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Start with $5, on us.

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Offer is subject to Terms and Conditions. To be eligible to participate in this Promotion and receive your Bonus, you must complete the following steps on or after the Effective Date: (i) click through the link above and follow the interactive instructions displayed, AND (ii) successfully complete the designated registration process of opening an individual taxable brokerage account (a “Personal Portfolio”). In the event you only complete the designated registration process to receive the Financial Counseling Service (as defined in your Advisory Agreement) or do not otherwise complete the account opening process for an individual taxable brokerage account (“Personal Portfolio”), you will not be eligible to receive the Bonus.

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Why Stash?



Invest automatically.

Fractional shares make it easy to affordably invest—on your own with a personal portfolio or in a Smart Portfolio tailored for you.10



Invest in building wealth.

We can help you bank better with no hidden banking fees2 and access to early payday through direct deposit.3


Stock-Back® Card

Invest with every swipe.

The everyday card that helps you earn stock while you shop.1



Invest in yourself.

Take stock of your life—our three subscription plans help make it affordable and easy.



Invest in your future.

Our retirement options can help you ease into a more secure future.4



Invest in your children.

Stay focused on their long-term goals with our children’s investment accounts.5

Trusted by 5 million people.
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

Frequently asked questions

How do I claim my $5 promo?

To receive your $5 to invest, simply sign up for Stash, complete your account and open a personal portfolio—then, we’ll give you your first $5 to invest. This promo is only available in your personal portfolio, and not redeemable for a Smart Portfolio.

How does investing with a Smart Portfolio work?

When you open a Smart Portfolio, we use your investing risk level and trusted financial research to build you a custom portfolio mix. All you need to do is add cash and we’ll take it from there. If your portfolio drifts 5% away from its target allocation, we’ll rebalance it quarterly.

Access to a Smart Portfolio is included in Stash Growth and Stash+. Learn about our plans →

What is Stash?

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.)

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.)

How much does Stash cost?

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.

Compare all subscription plans →

Why does Stash charge a monthly fee?

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.

Learn about plans and pricing →

*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.

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 →

What is Stash’s mission?

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.

Invest in yourself.
Start with $5.

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.