Bank like
an investor.

With our Stock-Back® Card,
you earn stock every time you swipe.1

Get started

To begin investing on Stash, you must be approved from an account verification perspective and open a brokerage account.

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We’ve helped Stashers avoid over $95 million in overdraft fees.
The amount of overdraft fees that Stash has helped users avoid is based on the number of transactions blocked due to insufficient funds multiplied by the average overdraft fee incurred. The data was obtained from linked checking accounts via Quovo. Overdraft data is based on a lookback of users' bank account transactions between September 1, 2019 and October 2, 2020 for the following types of fees: Overdraft Fees, as categorized by Quovo. The number of purchases blocked due to insufficient funds is based on a lookback from September 1, 2019 through October 2, 2020.

Choose your Stash.

Stop paying hidden bank fees.2 Start saving for your goals.

Stash Beginner

$1/month
  • checkmarkAdvice15
    For beginner investing
  • checkmarkInvesting access16
    Personal Portfolio11
  • checkmarkBanking access1
    Stock-Back® Card1
    Get paid up to 2 days early3
  • checkmarkInsurance access
    $1k life insurance offered by Avibra
Get started

Stash Growth

Stash+

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.

Frequently asked questions

How does banking with Stash work?

Simple investing and smart banking are at the core of every Stash subscription plan. Your online bank account with Stash is designed to help you achieve greater financial freedom through smart money management.

The Stock-Back® Card.1
Use our debit card to shop at well-known brands, and we’ll reward you with pieces of matching stock. Instead of points that might expire, we want to give you stock that can actually grow in value over time and help keep you out of credit card debt.

No hidden fees.2
We want you to save and grow your money, not worry about hidden fees—so we don’t charge any. The FDIC-insured digital bank account has no overdraft fees, no minimum balance fees, no monthly maintenance fees, and no set-up fees. You also have access to over 19,000 fee-free ATMs nationwide, as well as fast cash deposits with no extra fee at participating retailers like CVS Pharmacy, Walgreens, and Walmart. (Limits may apply. Money should be available about 10 minutes after you complete deposit.)

Instant transfers.6
Transfers within Stash between your investment portfolio cash and your bank account are instant, eliminating the wait times that can come with external bank account transfers. So you can make your money moves—faster.

Early payday.3
Our direct deposit users could get their paychecks up to 2 days early. It’s incredibly easy to set up direct deposit with Stash—you can even start by allocating a percentage of your paycheck to Stash and increasing from there.

App-friendly features.
Our banking and investing app features include: mobile check deposit, debit card lock and unlock,9 virtual card, real-time transaction alerts, automatic bill pay and check mailing, recurring transfers, and digital wallet compatibility for both Apple Pay and Google Pay.

How does Stash help me budget and save?

Stash is a personal finance app that comes with saving, investing, and budgeting tools that you can use to better manage your money. Together, they can help you get the most out of every dollar you earn, start building wealth, and reach your financial goals.

Save for goals.
Our goals feature lets you separate the cash in your online bank account into spaces for designated purposes. You can use this feature as a budget planner for rent, bills, groceries, an emergency fund, or your next vacation—your goals are completely customizable.6 You can even set a target date and dollar amount for each goal, and we’ll send you reminders to keep you on track.

Stay on top of spending.
We track your transactions in real-time and sort your spending into categories, such as Food & Drink, Shopping, and Bills. We also offer helpful insights into where your money is going. You can also set a monthly spending budget for your Stock-Back® Card,1 and we’ll let you know when you’re getting close to your limit.

Save with automatic tools.
You can pay your one-time and recurring bills automatically, helping you avoid late fees or interest charges (enrollment qualifications and limits may apply). We also offer automated saving and investing tools like round-ups, which automatically sets aside the spare change from your purchases for you to save or invest.

Can I save more with Stash?

Yes. On average, Stashers save 3x more than the average American.* How? By using our unique combination of saving, banking, and investing tools to take control of their money—and their financial lives.

Stash can help you stick to a budget, save and invest regularly, and track your purchases—so you can start saving more and spending less. And when you do spend with our Stock-Back® Card,1 we’ll give you matching pieces of stock in the brands you shop at. We’ll also be there for every step of your financial journey with personalized advice and unlimited financial education.

*Stasher is defined as a Stash customer with at least one investment account and a banking account with Stash who has received a direct deposit to their banking account in the last 30 days (as of March 16, 2020). Stashers saved approximately $340 per month on average during this time. This is calculated through a lookback at all money put into all of the Stash accounts listed above subtracted by the amount of money taken out of these accounts. The average American saved an average of $96 per month in 2019. This is calculated by multiplying the personal saving rate (generally viewed as the portion of personal income that is used either to provide funds to capital markets or to invest in real assets such as residences) and percentage of disposable income (money that households have available for spending and saving after income taxes have been accounted for), and then dividing by the number of months in a year. See here for more information. Stash does not offer an interest-bearing savings account. All analyses and calculations were made by Stash and do not necessarily reflect Green Dot Bank’s views or positions.

What is Stash?

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.

How does Stash work?

Stash can give you everything you need to build wealth for the long-term. Here’s how Stash works.

  1. 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.

  2. 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

  3. 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

  4. 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.

  5. 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.)

Is Stash safe?

Is Stash legit? Yes. From your investments to your cash, you can feel confident in the security of your money on Stash.

  • Stash uses cutting-edge security features.
  • Stash works to keep your spending safe and secure.
  • Stash is a registered investment advisor with the US Securities and Exchange Commission (SEC).

    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 offers FDIC-insured bank accounts through Green Dot Bank.1

Learn more about how we protect you and your assets →

Start achieving your money goals.

By using this website you agree to our Terms of Use and Privacy Policy. To begin investing on Stash, you must be approved from an account verification perspective and open a brokerage account.