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Crypto with confidence—and get guidance as you go.
Stash Logo
 * Invest
   
   Automated investing.Let us invest for you based on your goals.Learn more →
   
   Invest your way.Choose your own stocks, ETFs, and more with expert
   guidance.Learn more →
    * Invest for kids
    * Invest for retirement
    * Stocks
    * ETFs
    * Crypto
    * Browse all investments

 * Bank
   
   Earn up to 1% in stock
   as you spend.1Get the Stock-Back® Card—the debit card that rewards you with
   stock.Learn more →
    * Banking
    * ATM Locator
    * Get paid early

 * Learn
 * Pricing
 * Employers
 * About
   
   Support Center.Get answers and contact Stash Support
   about all things Stash.Learn more →
    * About Us
    * Tax Center
    * StockParty

Log inGet started
Stash Logo
Sign up
 * Invest
   
   Automated investing.Let us invest for you based on your goals.Learn more →
   
   Invest your way.Choose your own stocks, ETFs, and more with expert
   guidance.Learn more →
    * Invest for kids
    * Invest for retirement
    * Stocks
    * ETFs
    * Crypto
    * Browse all investments

 * Bank
   
   Earn up to 1% in stock
   as you spend.1Get the Stock-Back® Card—the debit card that rewards you with
   stock.Learn more →
    * Banking
    * ATM Locator
    * Get paid early

 * Learn
 * Pricing
 * Employers
 * About
   
   Support Center.Get answers and contact Stash Support
   about all things Stash.Learn more →
    * About Us
    * Tax Center
    * StockParty


YOUR INVESTING
JOURNEY STARTS
HERE.


OUR PLANS MAKE IT EASY TO BUILD
WEALTH ON YOUR OWN TERMS.†

Get started

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




CHOOSE THE PLAN THAT’S RIGHT FOR YOU.

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


STASH GROWTH†

$3/month1 month on us
Offer is subject to Terms and Conditions. You have the option to open one
taxable brokerage account ("Personal Portfolio"), one Discretionary Managed
account ("Smart Portfolio"), and one IRA ("Retirement Portfolio") under this
plan. Regardless of whether or not you choose to open or close any of these
investment accounts, you may continue to receive Stash's Financial Counseling
services, which is impersonal investment advice where the subscription fee is
due.
Advice11
 * For beginner investing
 * For personal finances
 * For family finances
 * Stash+ Market Insights

Investing access12
 * Invest in stocks, ETFs, and crypto*
 * Personal Portfolio8
 * Smart Portfolio7
 * Retirement Portfolio4
 * 2 Kids Portfolios5

Banking access1
 * Get the Stock-Back® Card1
 * Get paid up to 2 days early3
 * Earn 1% in stock on card purchases1

Insurance access‡
 * $1k life insurance offered by Avibra‡

Get started


STASH+†

$9/month1 month on us
Offer is subject to Terms and Conditions. You have the option to open one
taxable brokerage account ("Personal Portfolio"), one Discretionary Managed
account ("Smart Portfolio"), one IRA ("Retirement Portfolio") and two UGMA I
UTMA accounts ("Kids Portfolios") under this plan. Regardless of whether or not
you choose to open or close any of these investment accounts, you may continue
to receive Stash's Financial Counseling services, which is impersonal investment
advice where the subscription fee is due. As part of this plan, you will also
receive the Market Insights Reports, which is impersonal investment advice.
Advice11
 * For beginner investing
 * For personal finances
 * For family finances
 * Stash+ Market Insights

Investing access12
 * Invest in stocks, ETFs, and crypto*
 * Personal Portfolio8
 * Smart Portfolio7
 * Retirement Portfolio4
 * 2 Kids Portfolios5

Banking access1
 * Get the Stock-Back® Card1
 * Get paid up to 2 days early3
 * Earn 1% in stock on card purchases1

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.

 * 1
 * 2
 * 3


THE BENEFITS OF
BEING A STASHER:


STOCK PARTY.

Get access to weekly stock parties where we give away pieces of stock from
well-known companies on the market.

Learn more →



THE BENEFITS OF
BEING A STASHER:


THE RIGHT TOOLS FOR INVESTING.

Build wealth your way with access to thousands of stocks and ETFs, or let us
invest for you with Smart Portfolio. Plus, earn stock as your shop with our
Stock-Back® Card.1

Learn more →



THE BENEFITS OF
BEING A STASHER:


THE ADVICE YOU NEED.

We provide up-to-date information about investing and financial education—so you
can learn as you go.




FREQUENTLY ASKED QUESTIONS


WHAT STASH PLAN SHOULD I CHOOSE?

Each Stash subscription is built for long-term investing and wealth creation.
Individual plans are designed to address a range of different financial needs
and goals.

Stash Growth was made for beginners and includes all of our wealth-building
basics, including access to a personal investing account, a retirement account,4
an automated investing account (Smart Portfolio),7 and the Stock-Back® Card1.
It’s a good starting point if you’re new to saving and investing.

Stash+ is our premium plan offering, and it includes every tool, feature, and
account type that we offer. Highlights include investment accounts for
children,5 a Stock-Back® Card that earns 1% stock on every swipe up to a $1000
per month,1 and an extra $10,000 of life insurance coverage through Avibra.‡ If
you’re a debit card spender, have kids, or simply want to maximize the potential
of your money on Stash, this plan could be right for you.


CAN I CHANGE OR CANCEL MY STASH PLAN?

Yes. You can upgrade, downgrade, or cancel your Stash subscription plan at any
time.§ We understand that as life changes, your needs may change as well.


WHY DOES STASH CHARGE A MONTHLY FEE?

We’re all about transparency. Unlike other investment apps, we don’t have
banking overdraft charges2 or add-on transaction fees†—just a flat monthly
subscription ($3 or $9 per month) for access to all your money needs. With
Stash, we believe in providing bonuses back to you—like earning stock through
your Stock-Back® Card1, which can grow in value over time. That’s in addition to
enjoying wealth-building tools like fractional share investing, a retirement
account,4 and unlimited financial advice.

Learn about plans and pricing →


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 choose your subscription plan, starting at just $3/month. †
    With Stash, you'll have access to a personal brokerage account, a retirement
    account, and a Smart Portfolio. You’ll also receive the Stock-Back® Card
    that lets you earn stock when you spend. And there’s even more benefits
    depending on the plan you choose, like budgeting and saving tools, advice
    and education and more.

 3. Add money to Stash.
    You can add money to Stash automatically or manually. It only takes 5
    minutes to 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. Budget, save, and create goals
    Use our automatic budgeting and saving tools to organize your cash and track
    your spending.

 5. Invest your way.
    You’ve got options. Choose to invest in fractional shares with $5 or
    less—you can pick from thousands of stocks and ETFs. You can also shop and
    earn stock with the Stock-Back® Card.1
    
    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.)


IS STASH SAFE?

Stash is 100 percent legit. From investments made to cash set aside, you can
feel confident in the security of your money.

 * Stash uses cutting-edge security features.
 * 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 access to FDIC-insured banking accounts through Stride Bank
   N.A., member FDIC.1

Learn more about how we protect you and your assets →


WHAT IS STASH?

Stash is a personal finance app that can help anyone improve their financial
life.

From budgeting to saving for retirement, Stash features banking, investing, and
advice all in one app. We’ve helped millions of Americans reach their financial
goals–all for one low monthly price.

Join 5+ million people using Stash.
Please enter your email address

By using this website you agree to our Terms of Use and Privacy Policy. To begin
investing on Stash, you must be approved from an account verification
perspective and open a brokerage account.

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.

Accounts

Individual BrokerageRetirement AccountsCustodial AccountsFor Employers

Invest

Self-directed InvestingAutomated InvestingStocksETFsCryptoStock partyBrowse all
investments

Bank

Mobile bankingStock-Back Card®Early Direct DepositATM locator

Resources

Learning CenterHow to start investingHow to invest in stocksHow to invest in
cryptoRetirement CalculatorCompound interest calculatorStash101 financial
education

Useful links

Safety and securityTax CenterStash CoreSystem statusHelp

Company

AboutCareersPress


Legal  |  Privacy Policy

 * Cryptocurrency trading and execution services are provided by Bakkt Crypto
   Solutions LLC (NMLS ID 1828849) through a software license agreement between
   Bakkt Crypto Solutions, LLC ("Bakkt") and Stash Financial, Inc. Bakkt is not
   a registered broker-dealer or a member of SIPC or FINRA and is licensed to
   engage in virtual currency business activity by the New York State
   Department. Cryptocurrencies are not FDIC or SIPC insured. Advisory products
   and services are offered through Stash Investments LLC, an SEC registered
   investment adviser. Cryptocurrency is a highly volatile investment; please
   ensure that you fully understand the risks involved before trading crypto.
   Visit Licenses Disclosures and User Agreement. Bakkt charges customers a fee
   on each cryptocurrency transaction based on their subscription plan with
   Stash, a portion of which Stash receives as revenue. If you are a resident of
   New York State, your ability to purchase one or more digital coins may be
   limited by Bakkt.

 * +Promotion offer is subject to Terms and Conditions available in
   registration.

 * ^Your cash and securities are held in your brokerage account at Apex
   Clearing, and your cryptocurrencies are held in your crypto account at Bakkt.
 * Recommendations provided through the crypto calculator will only be displayed
   if you’ve invested a minimum of $20.00 into your Personal Portfolio.

 * †Stash offers access to investment and banking accounts under each
   subscription plan. Each type of account is subject to different regulations
   and limitations. Subscription fee starts at $3/month. You’ll also bear
   standard fees and expenses reflected in the pricing of the ETFs, 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.
 * §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.

 * ‡ 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. Clients are, however, not required to purchase the products and
   services Stash promotes.

 1.  Stash Banking services provided by Stride Bank, N.A., Member FDIC. The
     Stash Stock-Back® Debit Mastercard® is issued by Stride Bank pursuant to
     license from Mastercard International. Mastercard and the circles design
     are registered trademarks of Mastercard International Incorporated. Any
     earned stock rewards will be held in your Stash Invest account. Investment
     products and services provided by Stash Investments LLC, not Stride Bank,
     and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value. In order
     for a user to be eligible for a Stash banking account, they must also have
     opened a taxable brokerage account on Stash.
     
     All rewards earned through use of the Stash Stock-Back® Debit Mastercard®
     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. In order to earn
     stock in the program, the Stash Stock-Back® Debit Mastercard must be used
     to make a qualifying purchase. What doesn’t count: Cash withdrawals, money
     orders, prepaid cards, and P2P payment. If you make a qualifying purchase
     at a merchant that is not publicly traded or otherwise available on Stash,
     you will receive a stock reward in an ETF or other investment of your
     choice from a list of companies available on Stash. 1% Stock-Back® rewards
     are subject to terms and conditions. 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. 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.

 2.  Get fee-free transactions at any Allpoint ATM, see the app for location
     details, otherwise out-of-network ATM fees may apply. For a complete list
     of fees please see the Deposit Account Agreement for details.
 3.  Early access to direct deposit funds depends on when the payor sends the
     payment file. We generally make these funds available on the day the
     payment file is received, which may be up to 2 days earlier than the
     scheduled payment date.
 4.  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.  The money in a custodial account is the property of the minor.
 6.  Not all stocks pay out dividends.
 7.  This is a Discretionary Managed Account whereby Stash has full authority to
     manage. 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.
 8.  A “Personal Portfolio” is a non-Discretionary Managed Account.
 9.  Stash through the “Diversification Analysis” feature does not rebalance
     portfolios or otherwise manage the Personal Portfolio Account for clients
     on a discretionary basis. Recommendations through this tool are considered
     personalized investment advice. No asset allocation is a guarantee against
     loss of principal.
 10. 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.
 11. If you purchase this plan, you will receive Financial Counseling Advice
     which is impersonal investment advice. 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.
 12. 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.
 13. 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†.
 14. Immaterial changes have been made to this quote for editorial purposes.

 * Nothing on this website should be considered an offer, solicitation of an
   offer, tax, legal, or investment 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. All investments are subject to risk and may lose value. If
   applicable, your Stash banking account is a funding account for purposes of
   the Advisory Agreement. Your subscription fee may be deducted from your Stash
   banking account balance.
 * By clicking on any third-party links above, you will leave Stash’s website
   and link to a non-affiliated third-party website. The privacy practices of
   those third parties may differ from those of Stash. Therefore, we recommend
   you review the privacy statements of those third-party websites, as Stash is
   not responsible for those third parties' privacy or security practices.
 * All individuals featured on this website are paid actors or employees of
   Stash.
 * By using this website, you understand the information being presented is
   provided for informational purposes only and agree to our Terms of Use and
   Privacy Policy. Stash does not provide comprehensive financial planning
   services to individual investors. 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”), an SEC registered investment adviser. 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.
 * Stash supports an accessible internet. If you have any questions about our
   features, please contact us at accessibility@stash.com. Information provided
   by Stash Support is for informational and general educational purposes only
   and is not investment or financial advice.
 * Email: support@stash.com Tel: (800) 205-5164
   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 2023 Stash Financial, Inc. All rights reserved.