How do I cancel my Stash plan?

By Stash Team
Last updated June 9, 2026

You can cancel your Stash plan at any time in the app or online at Stash.com. Before you start, know what cancellation does: it may close your Stash accounts, sell investments, transfer remaining cash out, and generate tax forms later.

A subscription should be easy to leave. We’ll walk you through the steps plainly so you know what happens to your money, your investments, and your tax documents.

Before you cancel your Stash plan

Do these first so your closure is less likely to get delayed.

1. Make sure your external bank is linked. Help me link my external bank. A bank transfer is usually the easiest way to receive remaining funds.

2. Wait for recent deposits to become available. Recent deposits, including Auto-Stash contributions, may take up to 6 business days before they can be withdrawn.

3. Check for recent promotional funds. Some promotional funds may not be available for up to 90 days.

4. Turn off or redirect incoming money. If you use direct deposit or have recurring transfers scheduled, update those before closing.

5. Review possible tax impact. Selling investments can create taxable gains or losses. IRA withdrawals can create taxes and penalties.

6. Make sure your mailing address and email are current. Stash may need to send checks, confirmations, or tax document notices.

If you have unpaid fees, Stash will deduct them from your account balance before sending your remaining funds.

What happens when each type of Stash account closes

Different accounts have different rules. Here’s what to expect.

Stash Banking account

If you have a Stash Banking account:

• If an external bank is linked, remaining funds will be sent by bank transfer.

• If no external bank is linked, the remaining balance will be mailed by physical check, typically within 7–10 business days.

• If you have direct deposit, payroll, or bill payments connected, move those before closing so payments are not interrupted.

Investment accounts: Personal, Smart, or Custodial

When you close taxable investment accounts:

• Stash will sell the investments in the account as part of the closure process.

• Proceeds will be returned to your externally linked bank account.

• U.S. stock and ETF trades generally settle on the next business day after the trade date, but your full account closure can still take up to 10 business days after all required steps are complete.

• Selling investments may result in capital gains or losses. If that happens, you may receive a tax form after year-end.

• If you do not have an external bank linked, contact us at [email protected] to request a refund check for the remaining balance. Checks typically take 7–10 business days to arrive.

If you’re closing a Custodial account, funds are returned to the custodian’s linked bank account. The assets remain the property of the minor.

If you would rather transfer eligible investments to another brokerage instead of selling them, start that process with the receiving broker before you request closure. This is commonly called an ACAT transfer. Learn more about ACATs here.

Retirement account: IRA

Closing an IRA is different because retirement accounts have IRS rules.

• You do not need to manually sell investments. When you request a full IRA closure, Stash will automatically sell the assets in the account.

• You must complete the IRA Distribution Form. This form is required in the app so you can set mandatory tax withholding before the closure can process.

• Withdrawals before age 59½ may cost more. If you take an early IRA distribution, you may owe income tax and a 10% additional IRS tax unless an exception applies.

• A transfer may help avoid a taxable distribution. If your goal is to move your IRA to another provider, an ACAT or direct transfer may be better than withdrawing the money first. Start with the receiving broker and consult a tax professional if you’re unsure.

Note: If you attempt to withdraw more than 90% of your Managed IRA balance, the system will process a 100% withdrawal, which permanently closes the account.

How to cancel your Stash plan

Once your external bank is linked and any pending activity is complete, follow these steps:

1. Click here to open the Canceling Your Plan screen.

2. Select Cancel my plan.

3. Follow the prompts to close your account.

You can also log in at Stash.com or open the Stash app and navigate to your plan or subscription settings to start cancellation.

What happens after you cancel

Processing time

After you complete all required steps, the closing process can take up to 10 business days. You’ll receive a confirmation email when your account is completely closed.

Remaining funds

Remaining cash is usually sent to your linked external bank. If a check is required, delivery typically takes 7–10 business days after processing.

Tax documents

If you receive a tax document after your account is closed, Stash will notify you by email. You can still log in with the same username and password to access tax documents on our website.

Depending on your activity, tax forms may include brokerage tax forms for sold investments or IRA tax forms for retirement distributions. Tax forms are generally issued after year-end according to IRS deadlines.

Subscription fee refunds

Stash will refund any prepaid portions of your annual Stash subscription fee in accordance with the terms of your Advisory Agreement.

Need help canceling?

We can help. Call 800-205-5164 from 8:00 a.m.–8:00 p.m. ET Monday–Friday, or email [email protected].