3.7/5 (88 reviews)
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About Stash

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Stash is a personal finance app that can help you invest for your future. With Stash, there are subscription options for investors with different levels of experience, and you have the ability to invest in thousands of stocks and ETFs. Prices start at $1 per month, and you can get started investing with $5.

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  • Invest in fractional shares
  • Plan options for a variety of investors
  • Investment advice available
  • Plans include life insurance


  • Unconventional pricing
  • Not designed for day trading

Bottom Line

Stash offers three plan options to help you invest over the long term. While its features may not be as robust as those on some other platforms, the tradeoff is its affordability and approachability.

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About Stash

Stash is a smartphone app that offers investing and banking. It's designed for long-term investing, not day trading. That means — beyond investing in fractional shares of stocks and ETFs — you can also use Stash to open an individual retirement account (IRA) or investment accounts for children. More than 5 million customers have signed up to use Stash’s platform since it started.

How does Stash work?

To join Stash, you’ll first answer a few questions about your financial goals and experience. This can help the app tailor its advice to your needs. From there, you can choose which of its three subscription plans work best for you: Stash Beginner, Stash Growth or Stash+.

Once you’ve chosen a plan, start putting money into your accounts either by direct deposit from your paycheck or by manually adding funds. You can then invest in your choice of thousands of stocks and ETFs or put money away for retirement.

You can also bank with Stash, giving you access to automatic saving and investing tools and the company’s Stock-Back Card, which earns you stock rewards as you shop with certain brands.

Stash plans

You can choose between three plans:

  • Stash Beginner is for investors who are just starting out. It offers advice for beginners, access to a Personal Portfolio and banking and $1,000 of life insurance from Avibra.
  • Stash Growth includes everything from the Stash Beginner plan, plus personalized advice geared toward growing your personal finances and access to a Smart Portfolio and a Retirement Portfolio (Roth or traditional IRA).
  • Stash+ is the company’s most comprehensive option. This plan includes everything in Stash Growth, plus two investment accounts for kids, a monthly market insights report, $10,000 of life insurance from Avibra and other benefits.

Stash fees

Stash’s plans come with a flat-fee subscription model. Prices vary by plan, but here’s how Stash’s rates break down at the time of publishing:

  • Stash Beginner costs $1 per month.
  • Stash Growth costs $3 per month.
  • Stash+ costs $9 per month.

In addition to the subscription fees, you will also pay additional fees for investing, including expenses reflected in the pricing of the ETFs in your investment account(s).

There will also be fees for various ancillary services charged by Stash and your account custodian. A full list of these fees can be found in the Ask Stash portion of its website.

Stash FAQ

What is the Stash monthly fee?

Stash’s monthly fees start at $1 per month for its beginner program and range up to $9 per month for its most advanced subscription. There may also be additional fees on top of your monthly rate, depending on your investment strategy.

Can I cancel my Stash account?

Yes, you can close your Stash account on its website. The process can take up to 10 business days, though.

What type of investment accounts does Stash offer?

Stash offers brokerage accounts, traditional and Roth IRAs and custodial investment accounts for children.

Is Stash legit?

Stash is a legitimate way to invest. Unlike many other investment apps, Stash is more of a long-term investment tool, so it’s important that you understand what type of investing you want. You should also familiarize yourself with the company’s pricing structure since it’s relatively unconventional and hard to compare with other brokerage platforms. That being said, Stash can be a good option for investing and banking from your smartphone.

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Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer
Original review: March 11, 2023

STASH IS HORRIBLE! DO NOT TRUST THEM AT ALL!!! I tried to set up a Stash account last year and their app told me I could not create one at this time. After that, I just deleted the app. Since August 2022, Stash has been taking $3 out of my account every month. I tried call several times but no one would answer. I finally spoke to someone in Feb. That rep told me the account would be closed and I would be refunded ALL the funds since August. Well, that was a LIE!

I called back today and spoke with "John". I explained the situation to him and he put me on hold to speak with a supervisor. He comes back and says they can only refund me for THIS year which is 2 months' worth of Stash payments. I told him this was unacceptable & I wanted to speak to a Manager. "John" continued to tell me over and over again that they can only give me 2 refunds. I continued to ask for a manager which he NEVER put on the phone. By this point, I'm pissed. He mutes me to speak to his manager that he will NOT put on the phone. I ended up cussing him out and hanging up on him. This company is FRAUDULENT! THEY ARE FAKE! DO NOT TRUST THEM! DO NOT USE THEM! DON'T EVEN DOWNLOAD THE APP! IF I COULD GIVE THEM -5 I WOULD!

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Rated with 2 stars
Verified Reviewer
Original review: Jan. 4, 2023

STASH is a mobile investing app like any other (Acorns, Robinhood, etc.) where you have to subscribe to a monthly plan in order to use their services towards a personal/IRA/custodial account. The features they advertise are great based on what plan you subscribe to, you can even have your investments set up automatically from your banking into a personal or retirement.

However, I’ve had great too many problems with this app. Come Dec 2022, my partner and I hit a financial bump in the road that caused us to cancel and budget down our expenses. STASH being one of the expenses that would need to be stopped. While waiting for the account to be closed, I would “pause” the automatic investments only for them to randomly be turned on by themselves again without my consent or knowledge until money would be taken out as we’d checking our online banking with our personal bank account.

Upon receiving notification of their team being in the process of closing my account for good, I attempted to transfer funds from the IRA in STASH to my personal banking, of around $30, only for them to get back and say they’ve initiated it but as our personal banking reflects they did not deposit my money but instead took our last $30 from our checkings and an additional $10 for overdraft fees causing our account to be completely drained.

I’ve been on hold for 45 minutes with their customer service line which is ridiculous and all of this should not be this complicated. This app is suppose to make your personal financing experience easier but when you cannot afford monthly subscriptions and investments, attempting to cancel and get your $ returned to you is a nightmare.

Would not recommend just because of my personal inconveniences but if you can personally afford their features, I see the benefit that it may have in the long-run just as is expected with any investing app. I am so upset and now we are worried about how we will support ourselves until we can figure out how to make more $ in the meantime for necessary everyday expenses. STASH, you deserve 1 star from my personal experience in closing/canceling with your app, and the wait times to get any support from your customer service teams are ridiculous. I expect for all my emails to be answered ASAP and for my money to be rightfully returned to me. So upset.

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    Rated with 1 star
    Verified Reviewer
    Original review: Oct. 6, 2022

    I have been a Stash user for a few years and due to the recent toilet that the market has remained in I was removing/closing all my accounts to include Retirement with Stash. No matter the reason they had me fill out a document to get that money out since they had closed my account prior to moving the cash to my bank. I have now been waiting 4 days for a reply after I had sent them all the documents they requested. I have emailed customer service daily to see where we were, no response. It's starting to look sketchy in my opinion with this amount of money. Just beware.

    4 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: Nov. 7, 2021

    Still no reply... And their password reset does not work. I can not get my money back from them.... Why can't I log on to my account or reset my password. You do not reply. Someone has already tried to hack my account and now you won't reply or help??

    9 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: Oct. 22, 2021

    I joined this on a whim in 2017 at the behest of a coworker, and set it up to put $5 in my account every week. I set it to invest in Tesla. I honestly forgot about and checked the other day and that stock had gone up like 1300% and I had like $2800 I didn't know I had. So, I would say this app rules! Also they invite me to online parties where you can get a tiny amount of free stocks. Pretty pretty pretty good.

    5 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: Oct. 9, 2021

    Great company to invest in. Shares aren't so high that I can't afford and I've made a lot of profit over time. It was easy to understand the ups and downs too. They give a good breakdown on exactly how it works all the way around.

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    Rated with 4 stars
    Verified Reviewer
    Original review: Oct. 8, 2021

    Fabulous! I invested in both of these companies and made money. I recommend investing your money in them. It's a smart idea and will help you in the future. Your children will thank you! Do it and see what happens.

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    Rated with 3 stars
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    Verified Reviewer
    Original review: Oct. 7, 2021

    Comments to the effect that small investments pay off is misleading. I made pennies over months. The cost of using the service did not make sense since I ended up spending more than I could make. It doesn't seem fair to charge small investors the same as large investors.

    2 people found this review helpful
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