Shop like an investor.

Do debit differently—earn stock every time you spend with the Stock-Back® Card.1

Get started

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

Stock Back debit card on mobile phoneStock Back debit card on mobile phone

Shop at


Shop at


Stacked Stash branded debit cards

Rethink what a debit card can do.

Buy from well-known brands and automatically receive a piece of stock in that company. Or, get rewarded with a default investment that you choose when you shop local or at privately owned companies.1

Over 50M pieces of stock rewarded.

(as of 03/31/2022)

Why bank with Stash?


No hidden fees.

We can help you build wealth with no overdraft or minimum balance fees.2


Stay secure.

Lock and unlock your Stock-Back® Card with a single tap.9


Access cash from anywhere.

Find thousands of no-fee ATMs with your Stock-Back® Card.2


Shop it. Tap it. Earn it.

Pay on the go when you add the Stock-Back® Card to your digital wallet.


Grow wealth automatically.

Use Round-Ups and recurring transfers to invest on the regular.18


Take control.

Track your spending with Stash’s money management tools.

Stock back debit card in digital wallet

Getting started

Sign up for Stash, deposit at least $1 in your Stash banking account and you are set—your card can be used instantly with your digital wallet.

Get started

Frequently asked questions

How does banking with Stash work?toggle answer

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.

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
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, recurring transfers, and digital wallet compatibility for both Apple Pay and Google Pay.

What is Stash?toggle answer

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

From budgeting to saving for retirement, Stash features banking, investing, and advice all in one app. We’ve helped millions of Americans reach their financial goals–all for one low monthly price.

Does Stash have ATM access?toggle answer

Absolutely! Stash has over 19k fee-free ATMs. Click here to find one near you.

How much does the Stock-Back® Card cost?toggle answer

The cost of the Stock-Back® Card is included in your subscription fee. We offer Stash Growth or Stash+ subscriptions, starting at just $3 a month.

Stash Growth costs $3/month. Ideal for first-time investors, this plan includes a personal investment account, the Stock-Back® Card, and saving tools. You’ll also get expert advice geared toward your goals, along with a Roth or Traditional retirement account (IRA),4 an automated investing account (Smart Portfolio), and $1,000 of life insurance coverage through Avibra.

Stash+ costs $9/month. It’s a great choice for savvy wealth builders and debit card spenders. It includes a personal investment account and a Stock-Back® Card that earns double stock on every swipe.1 Stash+ also gives you access to investment accounts for kids, a Roth IRA or Traditional IRA retirement account, and an automated investing account (Smart Portfolio). That’s in addition to personalized advice, an exclusive monthly market insights report, savings tools, and $10,000 of life insurance coverage through Avibra.

What purchases qualify for stock rewards?toggle answer

For the most part, your regular purchases—including gas, groceries, travel, and dining—will earn you stock. Non-qualifying purchases include ATM withdrawals, gift or prepaid cards, and money orders. For a full list and more details, see the Terms and Conditions.

How much stock will I earn?toggle answer

You’ll earn 0.125% stock on all of your everyday purchases, and up to 5% at certain merchants with bonuses. For a full list and more details, see the Terms and Conditions.

Where does the Stock-Back® Card work?toggle answer

Your Stock-Back® Card works in over 125 countries—this includes purchases, ATM withdrawals, and online transactions.