Each Stash plan is designed to address a range of different financial needs and goals.

Stash Beginner was designed for beginners and includes all of our investing, banking, and budgeting basics. It could be a good starting point if you’re new to saving and investing, and want to dip your toes in first.

Stash Growth includes everything from Stash Beginner, but also comes with a retirement account (Roth or Traditional IRA) and tax benefits for retirement investing. If you’re serious about investing for a better life and building wealth over the long-term, this plan might be a good pick for you.

Stash+ is our premium plan offering, and it includes every tool, feature, and account type that Stash offers. Highlights include custodial investment accounts for kids and a metal Double Stock-Back Card. If you’re a debit card spender, have kids, or simply want to maximize the potential of your money on Stash, this plan could be right for you.

Stash is a personal finance app that can help anyone improve their financial life.

From budgeting to saving for retirement, Stash unites banking,¹ investing, and advice in one app that helps over 5 million people reach their financial goals—all for one low monthly price.^†

Stash can give you everything you need to manage your money and get more out of your paycheck. 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 you with useful advice for everything from budgeting to investing.

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, online banking,¹ budgeting and saving tools, the Stock-Back® Card, and advice and education. Depending on the plan you choose, you can also add a retirement account (IRA) and custodial investment accounts for kids.

3. Add money to Stash
   You can add money to Stash in two ways: direct deposit with early payday³ or link another bank to make recurring or one-time transfers.

4. Bank, budget, and create goals
   Use our bank account and automatic budgeting and saving tools to organize your cash into different spaces,⁶ create goals, and track your spending.⁷

5. Invest in fractional shares
   Once you’ve added cash to invest, you can immediately start investing in fractional shares of thousands of stocks and ETFs with $1 or less. Stash is built for long-term investing, not day-trading, so we only trade during four trading windows every day. (Note: Availability of trading windows is dependent on market conditions and may be subject to limitations.)

6. Earn stock rewards
   Spend with your virtual or physical Stock-Back® Card to start earning pieces of stock from Stash as rewards for your everyday spending.¹

Stash offers three subscriptions plans, starting at just $1/month.^†

Stash Beginner costs $1/month. It can work for first-time budgeters and investors and includes a personal brokerage account, banking with the Stock-Back^® Card,¹ budgeting, and personalized advice.

Stash Growth costs $3/month. It can work for people who want to build wealth over the long run and includes a personal brokerage account, banking with the Stock-Back^® Card, budgeting, personalized advice, and a Roth or traditional retirement account (IRA).

Stash+ costs $9/month. It can work for people with kids, debit card spenders, and those who want to learn more and includes a personal brokerage account, banking with the metal double Stock-Back^® Card, budgeting, personalized advice, a Roth IRA or traditional IRA retirement account, custodial investment accounts for kids, and an exclusive monthly market insights report.

Predatory fees are awful—but many big banks and financial institutions are addicted to them. In 2019, Stashers who paid at least one external bank fee paid an average of $382/year in overdraft fees to their other banks.^* Stash costs as little as $1/month for all your money needs with no hidden fees.^†

We’re 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 banking, investing, budgeting, retirement, rewards, financial advice, and thousands of stocks and ETFs.

Stash doesn’t believe in the bank fees charged by many major banks. Stash charges zero overdraft, minimum balance, maintenance, or hidden fees, and our ATM network includes 19,000 fee-free ATMs nationwide.² When investing, your subscription comes with unlimited trades with zero add-on trading commissions.^†

Learn about plans and pricing →

*The average amount of overdraft fees that a Stash banking user 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. The Stash banking account does provide overdraft services.

Yes! We understand that as your life changes, your needs can change as well. You can upgrade, downgrade, or cancel your Stash subscription plan at any time.^§

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).
• Stash offers FDIC-insured bank accounts through Green Dot Bank.

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.

Bank Account Services provided by Green Dot Bank, Member FDIC. Investment products and services provided by Stash Investments LLC, not Green Dot Bank, and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value.

Learn more about how we protect you and your assets →