Each plan includes Financial Counseling services which is impersonal investment advice, as it relates to guides, reports, and education material about investing and financial planning. Each plan includes the option to open a brokerage account and a bank account. The subscription fee is due if a client is receiving Financial Counseling Services regardless of whether or not a client chooses to open and/or use a brokerage account. In order to obtain personalized investment advice, clients are required to complete the suitability questionnaire during registration, must be approved from an account verification perspective and open a brokerage account. Click here for more details.
Stash is a personal finance app that can help anyone improve their financial life.
From budgeting to saving for retirement, Stash unites banking, investing, and advice all in one app that helps over 6 million reach their financial goals–all for one low monthly price.
Stash is on a mission to empower regular Americans to build wealth. We believe every financial decision can be an investment in your future—that’s why our tools and products are designed to help people achieve greater financial freedom.
Unlike a lot of other financial companies, we’re here to help build healthy financial habits, hit money goals, and remove long-standing barriers to building wealth.
By giving Stashers access to simple, affordable investing and unlimited financial education, we remove what we consider to be the two biggest barriers stopping regular Americans from building wealth: inaccessibility and lack of financial literacy.
In their place, we’re building a clear path to better financial futures for all Americans.
Is Stash legit? Yes. From your investments to your cash, you can feel confident in the security of your money on Stash.
While such registration does not imply a certain level of skill, it does require us to follow federal regulations that protect you, the investor. By law, we must provide investment advice that is in the best interest of our client.
Stash can give you everything you need to build wealth for the long-term. Here’s how Stash works.
Answer a few questions.
When you first join Stash, we’ll get to know you by asking some questions. These help us understand your financial goals and provide useful, specific advice for things like investing and budgeting.
Pick a plan.
Then, you’ll pick your subscription plan, starting at just $1/month.†
With Stash, you always get access to investing with a personal brokerage account, the Stock-Back® Card,1 budgeting and saving tools, advice and education, and life insurance coverage through Avibra.‡ Depending on the plan you choose, you can also open an individual retirement account (IRA)4 and investment accounts for kids.5
Add money to Stash.
You can add money to Stash automatically or manually. If you have 5 minutes, you can set up direct deposit to send either all or a part of your paycheck straight to Stash. You can even receive your paycheck up to 2 days early.3
Bank, budget, and create goals
You can also use our automatic budgeting and saving tools to organize your cash into different spaces,6 create goals, and track your spending.
Invest your way.
Once your cash is in Stash, you can choose to invest it in fractional shares of thousands of stocks and ETFs with $5 or less, or make purchases with the Stock-Back® Card1 and earn stock on Stash as you spend.
Stash is built for long-term investing, not day-trading, so all of our market transactions execute during four trading windows each weekday. (Note: Availability of trading windows is dependent on market conditions and may be subject to limitations.)
Stash offers three easy plans for long-term investing, starting at just $1/month.†
Stash Beginner costs $1/month. It can work for first-time budgeters and investors. It includes a personal investment account, the Stock-Back® Card,1 saving tools, personalized advice, and $1,000 of life insurance coverage through Avibra.‡
Stash Growth costs $3/month. It can work for people who want to expand their long-term wealth building plan. It includes a personal investment account, the Stock-Back® Card, saving tools, personalized advice, a Roth or Traditional retirement account (IRA),4 and $1,000 of life insurance coverage through Avibra.‡
Stash+ costs $9/month. It can work for savvy wealth builders and debit card spenders. It includes a personal investment account, a Stock-Back® Card that earns double stock,1 saving tools, personalized advice, a Roth IRA or Traditional IRA retirement account, investment accounts for kids,5 an exclusive monthly market insights report, and $10,000 of life insurance coverage through Avibra.‡
Predatory fees from financial services are awful. In 2019, Stashers who paid at least one external bank fee paid an average of $382/year in overdraft fees to their other banks.*
We think that’s wrong. So when we built Stash, we did it with a completely different financial structure. Stash plans are simple, transparent, and start at just $1/month with no hidden fees.†
We’re all about transparency. Just like how you pay a flat-fee subscription to a music streaming service for access to millions of songs, you pay Stash a flat-fee subscription ($1, $3, or $9 per month) for access to all your money needs—like fractional share investing, a debit card that earns stock when you spend,1 and unlimited financial advice.
*The average amount of overdraft fees that a banking customer paid is derived from data obtained from linked external checking accounts analyzed through the Quovo service. Average overdraft fee calculation is based on a lookback of users’ bank account transactions from January 1, 2019 through December 31, 2019 for the following type of fees: Overdraft Fees, as categorized by Quovo. Banking account does provide overdraft services.