Stash Invest Review

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1 Minute Review

Stash is a personal finance hub app that offers access to investing and banking services. Designed for everybody, you can use Stash to budget, invest, bank, and gain financial literacy. Additionally, they offer tiered monthly subscription plans.1 

Best For

  • Casual investors or people looking to test the waters
  • Long-term investors who can tolerate potential market volatility
  • Savvy investors who can self-direct their strategy with the help of expert advice


  • No investing minimums2
  • Fractional shares
  • Flat-rate fee structure3


  • All educational services are done through the app/website, and there is no personal advisor on the phone or in person
  • Can’t roll over existing retirement accounts like a 401(k) or IRA
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Overview of Stash

Stash has grown to over 5 million (and counting) users4 since its inception in 2015. Stash is a comprehensive personal financial app built for everyone to have access to investing in themselves

With Stash, you can bank, invest and save5 — for retirement6 and other specific goals — from a central hub that you can access on your smartphone or on the web. 

Services Offered

Stash offers access to banking and investment accounts along with several useful budgeting, saving and automatic investing features. 

Stash encourages customers to follow The Stash Way–a long-term investing approach that they support by offering auto-investing which can help build your portfolio. You can start to invest with $5, and you canmake regular investments (even if they’re small) for a long-term investing strategy. You can select exchange-traded funds (ETFs), which are basically packages of stocks and bonds that fit a “theme.” You can choose ETFs from categories that resonate with you or invest in individual stocks from companies you already love. Stash offers fractional shares, so you can own pieces of stocks that you may normally have not been able to afford.

Stash can also help streamline saving for retirement. You have the option to choose between a Traditional or Roth IRA, which can offer potential tax benefits.6 You can use the Stash’s auto-investing technology to get you started on your retirement planning journey.

The Stash banking account, offered through Green Dot, is has no hidden fees,7and you can transferring money from a linked external account. Or, you can set up direct deposit — and potentially get paid up to 2 days early with ASAP Direct Deposit.8

With Stash you can get the Stock-Back® Card9. By using the Stock-Back® Card you can earn pieces of stock when you use your card. The Stock-Back® Card9 allows you to automatically invest in the stock of the brands you spend with. You can earn fractional shares of these companies while automatically investing in well-known merchants.10 

Auto-Stash is Stash’s auto-investing and savings tool. With your personal investment, retirement or custodial account, you can use the following tools to automate your investing and saving habits:

  • Rounds-Ups11
    • Round up to the nearest dollar on Stock-Back® Card purchases and Stash can automatically invest or save your spare change.
  • Set Schedule
    • Set regular automatic saving and investing intervals that will set aside money into your banking account or your investment account.

Depending on your financial needs, you can choose from 1 of 3 subscription tiers:1

Stash Beginner

  • Fractional shares
  • Investment account access included
  • No account fees personal banking7
  • Built-in budgeting and savings tools
  • Earn stock  with the Stock-Back® Card9
  • Financial advice and literacy resources
  • Get your paycheck up to 2 days early8

Stash Growth

  • Includes all Stash Beginner features
  • Includes a Roth or Traditional IRA6
  • Tax optimized retirement investing

Stash +

  • Includes all Stash Beginner + Stash Growth features
  • Up to 2 custodial investing accounts for kids12
  • Earn double Stock-Back® rewards for spending13
  • Monthly market insight report 

Account Minimum

Stash does not require customers to deposit a minimum amount of money to open a personal portfolio for investing or a Stash banking account, however, to receive your Stash Debit card, you must deposit at least $1.00 to your Stash banking account balance.3 

Fee Structures and Pricing

Stash charges a flat-rate monthly subscription fee, and there are no add-on commission fees that you may face with other platforms or more traditional advisors.3 You can switch tiers at any time.

  • Stash Beginner: $1 per month
  • Stash Growth: $3 per month
  • Stash+: $9 per month
$1, $3, or $9 a month 1
Account Minimum
  • $0 for Personal Portfolio, Investment Account (Taxable Brokerage Account) and Bank Account
  • $1 for IRA and Custodial Accounts

How to Open a Stash Account

You can join Stash easily—visit them here to get started. Stash uses a series of questions to zero in on your financial goals and can help direct the advice they give you for your saving, budgeting and investing strategy.

Once you and Stash know each other a little better, you can select the subscription plan that suits your needs the best. You can then fund your Stash account by linking an external bank and making a transfer.

That takes care of the sign-up process. With your Stash subscription, you can set goals14 and use automatic saving and budgeting features to meet them.

You can start investing as soon as you have cash into your investment account. You can invest less than a $1 in a portfolio of investments you can choose from thousands of stocks and ETFs available on the Stash platform.

Stash Investment Style

You can invest in fractional shares, allocating whatever you put in your investment account toward your choice of thousands of stocks and ETFs. Stash focuses on long-term investments and has only four trading windows throughout the day for this reason.15 You can shape your portfolio to focus more on long-term investing rather than a focus on  buying and selling. If you receive dividends from your investments,16 they’ll show up in your cash balance account.

Stash assesses your risk tolerance too, which can help you diversify your portfolio by making suggestions of fractional investments in stocks and ETFs that you can make. 

Stash Overall

Stash can be a useful digital financial app with a focus on making investing more accessible to smaller investors. You can do your banking, savings, investing and retirement planning in one place, all while gaining access to useful financial knowledge and education.5 

You can sign up easily. Stash will take the time to get to know you as a person and an investor to identify your financial goals and help you set a strategy to meet them. Visit Stash online today or download its app.

Benzinga is a paid solicitor of Stash. 

1 Stash offers three plans, starting at just $1/month. For more information on each plan, visit our pricing page.

2 Fractional shares start at $0.05 for investments that cost $1,000+ per share.

3 Stash Monthly Wrap Fee starts at $1/ month. You’ll also bear the standard fees and expenses reflected in the pricing of the ETFs in your account, plus fees for various ancillary services charged by Stash and the Custodian. Please see the Advisory Agreement for details. Other fees apply to the bank account. Please see the Deposit Account Agreement.

4 This is not an endorsement or a statement of satisfaction by any Stash client. 

5 Stash offers access to investment and banking accounts under each subscription plan. Each type of account is subject to different regulations and limitations. See the Advisory Agreement and the Deposit Account Agreement for more information. 

6 For retirement, Stash offers access to traditional or Roth IRAs. Stash does not monitor whether a customer is eligible for a particular type of IRA, or a tax deduction, or if a reduced contribution limit applies to a customer. These are based on a customer’s individual circumstances. You should consult with a tax advisor.

7 Other fees apply to the bank account. Please see the Deposit Account Agreement for details. If applicable, your Stash banking account is a funding account for purposes of the Advisory Agreement. Your Stash subscription fee may be deducted from your Stash banking account balance.

8 Early availability depends on timing of payor’s payment instructions and fraud prevention restrictions may apply. As such, the availability or timing of early direct deposit may vary from pay period to pay period.

9 All rewards earned through use of the Stash Visa Debit card (Stock-Back® Card) will be fulfilled by Stash Investments LLC. Rewards will go to your Stash personal investment account, which is not FDIC insured. You will bear the standard fees and expenses reflected in the pricing of the investments that you earn, plus fees for various ancillary services charged by Stash. Stash Stock-Back® Rewards is not sponsored or endorsed by Green Dot Bank, Green Dot Corporation, Visa U.S.A., or any of their respective affiliates.

10 What doesn’t count: Cash withdrawals, money orders, prepaid cards, and P2P payment. See full terms and conditions.

11 This Program is subject to terms and conditions. In order to participate, a user must comply with all eligibility requirements and make a qualifying purchase with their Stock-Back® Card. All funds used for this Program will be taken from your Stash Banking account. This Program is not sponsored or endorsed by Green Dot Bank.

12 For children, Stash offers access to UGMA/UTMA accounts. The adult (or Custodian) who opens the account can manage the money and investments until the minor reaches the “age of majority.” That age is usually 18 or 21, depending on the Custodian’s state. The money in a kid’s portfolio is the property of the minor. Money in a kid’s portfolio can be used by the parent or legal guardian, but only to do things that benefit the child.

13 Double Stock-Back® Rewards is subject to terms and conditions.

14 Money moved into a Goal must be moved back to the bank account available balance to be used and does not earn interest.

15 Availability of trading windows is dependent on market conditions and may be subject to limitations.

16 Remember, not all stocks pay out dividends. And there’s no guarantee any stock will pay dividends in a quarter or year. Dividends may be subject to additional taxes, and are considered taxable income. Please refer to the IRS for additional information.

This material is not intended as investment advice and is not meant to suggest that any securities are suitable investments for any particular investor. Investment advice is only provided to Stash customers. All investments are subject to risk and may lose value.