Stash Review [2022]: An Investing App With A Unique Twist

Last Updated on September 20, 2022 by Harrison Brown
8/10 (Expert Score)
Product is rated as #5 in category Investing
7.8Expert Score
One Of Our Top Robo Advisor Stock Apps

If you're looking for a user-friendly platform that makes it easy to invest your money, Stash is a great choice. You can invest any dollar amount and plans start at just $3 per month, you can start building your portfolio without breaking the bank. And with advanced features like smart rebalancing, stock cash back, and an integrated bank account with 1,000s of free ATMs5, Stash is an excellent choice for those looking to invest without all the hassle and fees that generally come with such a task.

  • Fractional Shares
  • Stock-Back Card
  • Commission Free Trading
  • No 401(k) Options
  • Limited Customer Support
  • Debit Card Only For U.S. Customers

Sign Up Bonus

Open a Stash account and deposit $5.00 or more, and you'll get a $25.00 bonus added to your account once your initial deposit settles.
$25.00$5.00 CLAIM BONUS
To begin investing on Stash, you must be approved from an account verification perspective and open a brokerage account (“Personal Portfolio”). The promotion offer is subject to Terms and Conditions.

Pros & Cons

Pros & Cons Of Stash

  • Fractional shares: Allow you to buy stocks at $1.00 or less.
  • Stock-Back® Card2: Get cash back in the form of stocks deposited directly into your account.
  • Trade stocks & ETFs: No add-on commission fees.
  • No 401(k): Stash does not currently offer this account type
  • Support: Stash's support is not 24/7 and sometimes takes a while to get a hold of someone. 
  • The Stash Stock-Back® Card2: Only available to US residents.


Stash's Top Features

Automatic Investing

With Stash, you can set up automatic investing using the Auto-Stash feature so you can dollar-cost average into your account and never have to worry about timing the market. You can also enable round-ups, automatically investing your spare change into fractional shares of stock. Finally, with Smart Portfolio, you can have Stash automatically invest various amounts of money based on your spending habits using artificial intelligence.


  • Round-ups
  • Automatic contributions
  • Smart Portfolio

Stock-Back® Debit Card

With Stash's Stock-Back® Card2, get rewarded with a piece of stock every time you make a purchase.4 For example, if you buy something from companies like Apple, Amazon or Tesla you'll get a fractional share of that company’s stock deposited directly into your account. The value of the stock will depend on the stock's price at the time of purchase and how much you spent on that charge.


  • Stock-Back® Rewards
  • No hidden-fees
  • Thousands of fee-free ATMs5

Retirement Accounts

With Stash, you can open an individual retirement account (IRA) and start saving for your future. They offer both traditional and Roth IRAs. With a traditional IRA, you'll get tax-deferred growth on your investments, meaning you won't pay taxes on the money you make until you withdraw it in retirement. With a Roth IRA, you'll pay taxes on the money you contribute now, but all withdrawals in retirement will be tax-free.


  • Traditional IRA
  • Roth IRA

Custodial Accounts

Stash also offers custodial accounts (aka Kids Portfolio at Stash), which are investment accounts set up for minors. With a custodial account, the child will be the owner of the account, and the parent or guardian will be the custodian. The custodian will control the account until the child reaches adulthood at age 18.

Did You Know?

If you invest $5 a day from when a child is born, they could have over $73,000 by age 18 due to compound interest!

Bank Account

With the Stash banking account1, store your cash in the account with FDIC insurance for up to $250,000 thanks to its partner bank accounts. Additionally, get paid up to 2 days early3 with direct deposit. All these features come with every plan.


  • Get paid up to 2 days early3
  • Auto-invest
  • FDIC insurance up to $250,000


What Fees Does Stash Have?

Stash Growth – The growth plan is Stash's entry-level plan, which costs $3 per month. With this plan, you'll get more in-depth investing advice and access to retirement accounts, which include a traditional IRA and Roth IRA.

Stash+ – This is Stash's highest plan, which costs $9 per month. With this plan, you'll get everything from the Growth plan, plus access to advice for family finances, 2 custodial accounts, 2x Stock-Back® rewards,6 and $10,000 in life insurance.7

Stash Plans Comparison
Stash plans comparison

Customer Support

Stash Customer Support

Stash offers customer support through their in-app messaging feature, phone support, and email support.

(800) – 205-5164

8am-8pm EST M-F and 10am – 6:30pm EST Saturday/Sunday.


8am-8pm EST M-F and 10am – 6:30pm EST Saturday/Sunday.


How Does Stash Compare?

Webull Logo
Commission-free trading
High Sign-up bonus Promotion
Easy-to-use app interface
Limited customer support
No access to mutual funds
Lack of educational support
Acorns Logo
Automatically invest spare change
Automatic cash back at certain merchants
Intuitive automatic investing features
Monthly fee ($3-$5)
No tax-loss harvesting
Lower sign-up bonus compared to others
Zero fees or commissions
Banking, loans, & More All In One
High sign-up bonus for new users
No physical locations
No tax-loss harvesting
Currently only available to US residents

Stash Vs. Acorns

Stash and Acorns are two popular micro-investing apps. They both offer similar features, such as the ability to invest spare change, a debit card with cash-back rewards, and custodial accounts. However, Stash has some features that Acorns doesn't offer, such as the ability to earn cash back in the form of stocks.

Stash Vs. Webull

Webull is an investing app that offers commission-free trades, real-time market data, and research. However, Webull doesn't provide the ability to invest spare change like Stash. Webull is better for investing in individual stocks and actively monitoring your account, whereas Stash is better for long-term investing and hands-off management. Stash also offers a Stock-Back® Card2 with stock-back rewards4, which Webull does not have.

Stash Vs. SoFi

SoFi is an investing app that offers commission-free trades and no account minimums. SoFi also can invest spare change, similar to Stash. However, SoFi doesn't offer a debit card with stock-back rewards or custodial accounts. SoFi is better for investing in individual stocks and ETFs, while Stash is better for long-term investing and hands-off management.


Stash FAQ

How Does Stash Work?

Stash is an investing app that helps you invest in stocks, ETFs, and more. It also has a Stash banking account with a Stock-Back® Card2 that gives cash back in the form of stocks. You can use Stash to invest your spare change, and it will automatically rebalance your portfolio to keep you on track and build wealth.

Who Owns Stash?

Stash is owned by Stash Investments LLC, which is a private company founded by Brandon Krieg in 2015.

Is Stash Legit?

Yes, Stash is safe. It is a registered investment advisor with the SEC and is a member of FINRA/SIPC. Your investments in your account are protected up to $500,000 total (including $250,000 for claims for cash). For details please see For uninvested funds, your Stash account is enrolled in the Apex FDIC-insured Sweep Program. Deposits to the Sweep Program are covered by FDIC insurance up to $250,000 limit per customer at each FDIC-insured bank that participates in the Program. Once your cash is deposited with the participating banks under the Sweep Program, such cash will no longer be covered by SIPC.

Can You Make Money With Stash?

Yes, you can make money with Stash by investing in stocks, ETFs, and other securities. You may also earn stock-back rewards from using the Stash Stock-Back® Card2, and you can grow your wealth over time.

How Much Does Stash Cost?

Stash has two different subscription plans: Growth and Stash+. The plans range from $3 to $9 per month and offer additional features depending on your plan.

What Is Stash?

Stash is an investing app that allows users to invest in stocks, ETFs, and more. It also has a Stash banking account1 with a Stock-Back® Card2 that gives cash back in the form of stocks deposited directly into your portfolio. Additionally, Stash's low fees make it an affordable option for anyone starting to invest.


Paid non-client endorsement. See Apple App Store and Google Play reviews. View important disclosures.

Nothing in this material should be construed as an offer, recommendation, or solicitation to buy or sell any security. All investments are subject to risk and may lose value.

1Bank Account Services provided by and Stash Visa Debit Card (Stock-Back® Card) issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association.

2All 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.

3Early 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.

4What doesn’t count: Cash withdrawals, money orders, prepaid cards, and P2P payment. If stock of the merchant is not available for a qualifying purchase, the security will be in shares of a predetermined ETF or from a list of predetermined publicly-traded companies available on the Stash Platform. See full terms and conditions.

5Fee-free ATM access applied to in-network ATMs only. For out-of-network ATMs and bank tellers a $2.50 fee will apply, plus any additional fee that the ATM owner or bank may charge.

6Double Stock-Back® Rewards is subject to terms and conditions.

7 Group life insurance coverage provided through Avibra, Inc. Stash is a paid partner of Avibra. Only individuals who opened Stash accounts after 11/6/20, aged 18-54 and who are residents of one of the 50 U.S. states or DC are eligible for group life insurance coverage, subject to availability. Individuals with certain pre-existing medical conditions may not be eligible for the full coverage above, but may instead receive less coverage. All insurance products are subject to state availability, issue limitations and contractual terms and conditions, any of which may change at any time and without notice. Please see Terms and Conditions for full details. Stash may receive compensation from business partners in connection with certain promotions in which Stash refers clients to such partners for the purchase of non-investment consumer products or services. Clients are, however, not required to purchase the products and services Stash promotes.

Ancillary fees charged by Stash and/or its custodian are not included in the subscription fee.

Stash has full authority to manage a “Smart Portfolio,” a discretionary managed account. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal. Stash does not guarantee any level of performance or that any client will avoid losses in their account.

Stash does not monitor whether a customer is eligible for a particular type of IRA, or a tax deduction. Clients should consult with a tax advisor.

Traditional IRA: Withdrawing prior to age 59½, generally means you’re subject to income tax and a 10% penalty. Withdrawals after age 59½ are only subject to income tax but no penalty.

Roth IRA: Withdrawals of the money (Contributions) you put in are penalty and tax free. Prior to age 59½, withdrawals of interest and earnings are subject to income tax and a 10% penalty. All earnings are tax free at age 59½ or older, assuming your first contribution was more than 5 years prior. Income Eligibility applies.

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

Stash Review [2022]: An Investing App With A Unique Twist
Stash Review [2022]: An Investing App With A Unique Twist

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