Stash Review (2021 Update): Is It Right for You?


Stash investing is an online investing platform and money management app that allows you to invest in ETFs and individual stocks. It also lets you buy fractional stock shares. Stash isn’t a traditional robo-advisor since it doesn’t automatically invest or manage your account. Instead, it curates investment options and offers recommendations based on your desired risk level.

Stash’s model differs from its competitors. Instead of commission fees, customers pay a monthly subscription fee based on three account levels:

  • Stash Beginner: $1/month ($12 annually)
  • Stash Growth: $3/month ($36 annually)
  • Stash+: $9/month ($108 annually)

Stash Beginner is the entry-level account. Stash Growth and Stash+ are premium accounts that offer more account features and benefits. All three accounts come with an attached online bank account, and a complimentary debit card called a Stock-Back® Card.

It’s easy to open an account. When you first join, you’ll be asked some questions about your financial goals and other information. Then, you’ll choose one of three account types and add cash to your Stash account. Once your account is funded, you can start investing.

Top perks

Fractional shares

Instead of waiting until you’ve saved enough to purchase whole shares, Stash lets you buy fractional shares at a lower cost. Fractional shares are an increasingly popular robo-advisor investment option.

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Low barrier to entry

Stash accounts start at just $1 a month, and you can start investing for $5 or less. Stash’s mission is to simplify investing for its customers and low costs are just one of the ways it does that.

Investing tools

Stash comes with access to several tools that allow you to automate your investing and savings. The feature-rich Stash app is highly rated and will help beginner investors build a diversified portfolio.

Retirement accounts

Select Stash accounts have access to Roth and Traditional IRAs. You’ll need to upgrade beyond Stash Beginner to access its retirement options.

Stash debit card

All Stash accounts come with the Stock-Back® Card, which lets you earn stock on debit card purchases with well-known brands. You can use it fee-free at any ATM within Stash’s network. Stash banking features include mobile check deposits and automatic bill payments. There are no minimum balance requirements or account fees for this FDIC-insured online account. Plus, you can make instant transfers to your investment portfolio from your Stash bank account.

Custodial accounts

Stash+ account holders can set up custodial brokerage accounts for children, who can access the funds when they’re old enough. Stash banking is also included with custodial accounts.

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Stash App

Stash offers both mobile and web-based account management. Stash app reviews are mostly positive, with the mobile app receiving 4.7 stars out of 5 rating in the Apple App Store and 4.1 stars out of 5 on Google Play. The app includes Stash’s trading platform, which isn’t as robust as some of its competitors. It’s easy to use, but may not provide as much research as you’d like on available funds. However, the app lets you manage your Stash banking account and make instant transfers directly from anywhere in the world.

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