To begin investing on Stash, you must be approved from an account verification perspective and open a brokerage account.
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.
Get access to weekly stock parties where we give away pieces of stock from well-known companies on the market.13Learn more →
The right tools for investing.
You can earn stock as you shop with our Stock-Back® Card.1 Plus, create a balanced portfolio with Smart Portfolio, available when you sign up for a Stash Growth or Stash+ plan.10Learn more →
The advice you need.
We provide you with up-to-date information about investing and financial education—so you can learn as you go.
Each Stash subscription plan is built for long-term investing and wealth creation. Individual plans are designed to address a range of different financial needs and goals.
Stash Beginner was made for beginners and includes all of our wealth-building 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.4 If you want to expand your long-term investing plan, this subscription might be a good pick for you.
Stash+ is our premium plan offering, and it includes every tool, feature, and account type that we offer. Highlights include investment accounts for children,5 a Stock-Back® Card that earns double stock,1 and an extra $9,000 of life insurance coverage through Avibra.‡ 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.
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.§
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.
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.)
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 is a personal finance app that simplifies investing, making it easy and affordable for everyday Americans to build wealth and achieve their financial goals.
Stash was built with a simple philosophy: everyone should have access to investing. Thanks to fractional shares, anyone can invest in the stock market with $5 or less. And along with other investing and saving tools, like the Stock-Back® Card,1 Stash helps more than 5 million people reach their financial goals. (This is not an endorsement or a statement of satisfaction by any Stash client and is defined by the number of clients who have e-signed.)