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INVESTING
MADE EASY.


START WITH $5.

Get started

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


Crypto with
confidence.


NOW GET EASY EXPOSURE TO CRYPTO
WITH SMART PORTFOLIO. →

 * 1
 * 2
 * 3


WHY STASH?


INVEST AUTOMATICALLY.

Fractional shares make it easy to invest what you can afford on a set schedule.
Start by signing up for one of our three subscription plans, which will help you
stay on track.†

Learn more →



WHY STASH?


INVEST IN BUILDING WEALTH.

We can help you bank better with no hidden banking fees2 and access to early
payday through direct deposit.3 Plus, you can earn stock as you shop with the
Stock-Back® Card.1

Learn more →



WHY STASH?


INVEST IN YOUR FUTURE.

Stay focused on long-term goals with our retirement options4 and children’s
investment accounts.5

Learn more →



CHOOSE THE PLAN THAT’S RIGHT FOR YOU.

INVEST, BANK AND INSURE WITH EASE.† SWITCH OR CANCEL ANYTIME.§


STASH BEGINNER†

$1/month
 * Advice15
   For beginner investing
 * Investing access16
   Personal Portfolio11
 * Banking access1
   Stock-Back® Card1
   Get paid up to 2 days early3
 * Insurance access
   $1k life insurance offered by Avibra‡

Get started


STASH GROWTH†

$3/month

Everything in Stash Beginner.
Plus, you’ll also get:

 * Advice15
   For growing personal finances
 * Investing access16
   Smart Portfolio10
   Retirement Portfolio4

Get started
FEATURED


STASH+†

$9/month

Everything in Stash Growth.
Plus, you’ll also get:

 * Advice15
   For family finances
   Stash+ Market Insights
 * Investing access16
   2 Kids Portfolios (custodial accounts)5
 * Banking access1
   2x stock with the Stock-Back® Card1
 * Insurance access
   $10k life insurance offered by Avibra‡

Get started

Each plan includes Financial Counseling services which is impersonal investment
advice, as it relates to guides, reports, and education material about investing
and financial planning. Each plan includes the option to open a brokerage
account and a bank account. The subscription fee is due if a client is receiving
Financial Counseling Services regardless of whether or not a client chooses to
open and/or use a brokerage account. In order to obtain personalized investment
advice, clients are required to complete the suitability questionnaire during
registration, must be approved from an account verification perspective and open
a brokerage account. Click here for more details.


STASH—BUILT FOR EVERYONE, CUSTOMIZED TO YOU.




FREQUENTLY ASKED QUESTIONS


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.

Ready to build your wealth?
Get started

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

Invest in herstory—Stash celebrates Women’s History Month.
 * Plans
 * Invest
   
    * Investing
    * Smart Portfolio
    * StockParty
    * IRA
    * Kids Portfolios

 * Bank
   
    * Banking
    * Stock-Back® Card
    * ATM Locator

 * Learn
 * Help

Log inGet started
Sign up
 * Plans
 * Invest
   
    * Investing
    * Smart Portfolio
    * StockParty
    * IRA
    * Kids Portfolios

 * Bank
   
    * Banking
    * Stock-Back® Card
    * ATM Locator

 * Learn
 * Help

Welcome to Stash101, our free financial education platform. Stash101 is not an
investment adviser and is distinct from Stash RIA. Nothing here is considered
investment advice.

More about Stash

InvestingSmart PortfolioBankingStock-Back® CardRetirement accountsChildren’s
investment accounts

Company

AboutCareersPress

Useful links

Browse investmentsSafety and securityATM finderTax CenterSystem statusHelp


Legal  |  Privacy Policy

 * †Stash offers access to investment and banking accounts under each
   subscription plan. Each type of account is subject to different regulations
   and limitations. Stash Monthly Subscription Wrap Fee starts at $1/month.
   You’ll also bear the standard fees and expenses reflected in the pricing of
   the ETFs in your investment account(s), plus fees for various ancillary
   services charged by Stash and the Custodian. Please see Advisory Agreement
   for details. Other fees apply to the bank account. Please see Deposit Account
   Agreement for details. Access to a Discretionary Managed Taxable Brokerage
   Account ("Smart Portfolio") is available in the Stash Growth and Stash+
   plans.
 * §Depending on the subscription plan, there may be additional steps a user
   must take to cancel their account which may impact the amount of time it
   takes to fully close an account. You may incur ancillary fees charged by
   Stash and/or its custodian that are not included in the monthly Wrap-Fee.

 * ‡ Group life insurance coverage provided through Avibra, Inc. Stash is a paid
   partner of Avibra. Only individuals ages 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. This type of marketing partnership gives Stash an incentive to
   refer clients to business partners instead of to businesses that are not
   partners of Stash. This conflict of interest affects the ability of Stash to
   provide clients with unbiased, objective promotions concerning the products
   and services of its business partners. This could mean that the products
   and/or services of other businesses, that do not compensate Stash, may be
   more appropriate for a client than the products and/or services of Stash’s
   business partners. Clients are, however, not required to purchase the
   products and services Stash promotes.

 1.  Stash banking account opening is subject to identity verification by Green
     Dot Bank. In order for a user to be eligible for a Stash banking account,
     they must also have opened a taxable brokerage account on Stash. Bank
     Account Services provided by Green Dot Bank 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. Investment products and services
     provided by Stash Investments LLC, not Green Dot Bank, and are Not FDIC
     Insured, Not Bank Guaranteed, and May Lose Value.
     
     Green Dot Bank operates under the following registered trade names: GoBank,
     Green Dot Bank and Bonneville Bank. All of the registered trade names are
     used by, and refer to a single FDIC-insured bank, Green Dot Bank. Deposits
     under any of these trade names are deposits with Green Dot Bank and are
     aggregated for deposit insurance coverage. Green Dot is a registered
     trademark of Green Dot Corporation. ©2020 Green Dot Bank. All rights
     reserved.
     
     All rewards earned through use of the Stash Visa Debit card (Stock-Back®
     Card) will be fulfilled by Stash Investments LLC. 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® is not sponsored or endorsed by Green Dot Bank, Green Dot
     Corporation, Visa U.S.A., or any of their respective affiliates, and none
     of the foregoing has any responsibility to fulfill any stock rewards earned
     by this program. Stock rewards that are paid to participating customers via
     the Stash Stock-Back program, are Not FDIC Insured, Not Bank Guaranteed,
     and May Lose Value. In order to earn stock in the program, the Stash Visa
     Debit card (Stock-Back® Card) must be used to make a qualifying purchase.
     What doesn’t count: Cash withdrawals, money orders, prepaid cards, and P2P
     payment. If publicly-traded stock of the merchant (or a subsidiary thereof,
     if applicable) is not available or otherwise capable of being fulfilled for
     any reason, the stock reward arising from a qualifying transaction will be
     in an ETF or a publicly traded company available on the Stash Platform.
     Stash reserves the right to amend this program and the terms and conditions
     thereof and/or cancel this program at any time, for any reason, upon notice
     to you. See Terms and Conditions for more details. Double Stock-Back®
     rewards is subject to terms and conditions.

 2.  Fee-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. For overdraft, transaction is declined
     and no fee is charged. Neither Green Dot Bank nor Stash offers overdraft
     services. 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.
 3.  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.
 4.  A “Retirement Portfolio” is an IRA (Roth or Traditional). This is a
     Non-Discretionary Managed Account. 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.
 5.  This is a Custodial UGMA /UTMA account (Taxable brokerage account). The
     money in a custodial account is the property of the minor. This type of
     account is a Non-Discretionary Managed Account.
 6.  Availability of instant money transfers may be subject to limitations.
     Money can be moved via instant money transfer between your personal
     portfolio and your Stash banking account. Money moved into a partition must
     be moved back to the bank account available balance to be used and does not
     earn interest.
 7.  Spending Insights provided by Stash Investments LLC.
 8.  Not all stocks pay out dividends. And there's no guarantee any stock will
     pay dividends in a quarter or year.
 9.  When you Lock your card, withdrawals and purchases conducted using your
     card will not be authorized until you unlock your card. Some activity will
     continue, including your monthly fee, if applicable, debit transactions
     that were authorized before you Locked your card, transactions crediting
     funds to your account, ACH debit transactions conducted using your account
     and routing numbers, recurring bill payments, mobile check deposit, and
     cash deposits.
 10. This is a Discretionary Managed Account whereby Stash has full authority to
     manage according to a specific investment mandate. Balance” is defined by
     investing deposits into underweight assets, and for withdrawals, trimming
     overweight positions. As you deposit or withdraw funds, your portfolio can
     slowly be aligned to the target allocation appropriate for your risk
     profile by additional money movements throughout the year. The investment
     team at Stash built these portfolios with the goal of optimizing
     risk-adjusted returns. This is achieved by utilizing the diversification
     benefits highlighted by modern portfolio theory. The portfolios aim to
     optimize returns given a user’s overall risk profile. 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 the client’s account.
 11. A “Personal Portfolio” is a taxable brokerage account. This is a
     Non-Discretionary Managed Account.
 12. Stash through the “Diversification Analysis” feature does not rebalance
     portfolios or otherwise manage the Personal Portfolio Account for Clients
     on a discretionary basis. Each Client is solely responsible for
     implementing any such advice. This investment recommendation relies
     entirely on the responses you’ve provided regarding your risk tolerance.
     Portfolio recommendations through this tool are considered personalized
     investment advice. No asset allocation is a guarantee against loss of
     principal.
 13. To be eligible to receive a Stock Reward through stock party, you must
     complete the account registration process and open an individual taxable
     brokerage account ("Personal Portfolio") that is in good standing. This
     program is subject to Terms and Conditions.
 14. Stash may receive compensation from business partners for referring Stash
     clients to such partners for the purchase of non-investment consumer
     products or services. This conflict of interest affects the ability of
     Stash to provide clients with unbiased, objective promotions concerning the
     products and services of its business partners. This could mean that the
     products and/or services of businesses that do not compensate Stash may be
     more appropriate for a client than the products and/or services of Stash’s
     business partners. Clients are not required to purchase the products and
     services Stash promotes.
 15. If you purchase this plan, you will receive Financial Counseling Advice
     which is impersonal investment advice in the form of guides and educational
     materials about investing and financial planning, along with the ability to
     view the investments through the platform. In order to obtain personalized
     investment advice, clients are required to complete the suitability
     questionnaire during registration, must be approved from an account
     verification perspective and open a brokerage account.
 16. You may subsequently choose to open one or more investment advisory
     account(s). To begin investing on Stash, you must be approved from an
     account verification perspective and open a brokerage account.

 * Stash does not offer an interest-bearing savings account.
 * Fractional shares start at $0.05 for investments that cost $1,000+ per share.
 * 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. All product and company
   names are trademarks™ or registered® trademarks of their respective holders.
   Use of them does not imply any affiliation with or endorsement by them.
 * All individuals featured on this website are paid actors or employees of
   Stash.
 * Stash Investments LLC ('Stash') is an SEC registered investment adviser. By
   using this website, you accept our Terms of Use and Privacy Policy. Stash’s
   investment advisory services are available only to residents of the United
   States in jurisdictions where Stash is registered. In order to open a Stash
   account, you must be at least 18 years of age. Nothing on this website should
   be considered an offer, solicitation of an offer, or advice to buy or sell
   securities. Any historical returns, expected returns or probability
   projections are hypothetical in nature and may not reflect actual future
   performance. Account holdings are for illustrative purposes only and are not
   investment recommendations. The content on this website does not constitute a
   complete description of Stash’s investment advisory services. View a full
   list of available investments on Stash. Stash does not provide financial
   planning services to individual investors. Before investing, consider your
   investment objectives and Stash’s fees and applicable custodial fees. Stash
   Financial, Inc. is a digital financial services company offering financial
   products for U.S. based consumers. Stash is not a bank or depository
   institution licensed in any jurisdiction. Advisory products and services are
   offered through Stash Investments LLC. Stash Capital LLC, an SEC registered
   broker-dealer and member FINRA/SIPC, serves as introducing broker for Stash
   Clients’ advisory accounts. FINRA BrokerCheck reports for Apex Clearing are
   available at https://brokercheck.finra.org/. Apex Clearing Corporation, a
   third-party SEC registered broker-dealer and member FINRA/SIPC, provides
   clearing and execution services and serves as qualified custodian for
   advisory assets of Stash Clients. Products offered by Stash Investments LLC
   and Stash Capital LLC are Not FDIC Insured, Not Bank Guaranteed, and May Lose
   Value. Market data by Thomson Reuters (Refinitiv). For more information, see
   our disclosures. All product and company names are trademarks™ or registered®
   trademarks of their respective holders. Use of them does not imply any
   affiliation with or endorsement by them.
 * Email: support@stash.com Tel: (800) 205-5164
 * Information provided by Stash Support is for informational and general
   educational purposes only and is not investment or financial advice.
 * Google Play and the Google Play logo are trademarks of Google, Inc.
 * Apple, the Apple logo, and iPhone are trademarks of Apple, Inc., registered
   in the U.S.
 * STASH, StashInvest, and Stock-Back are registered trademarks of Stash
   Financial, Inc.
 * © Copyright 2022 Stash Financial, Inc. All rights reserved.