Stash Review

Richard Montana | September 24, 2021

Stash is an online investment platform that allows users to incrementally invest small amounts. Users can invest as little as $5 into fractional shares of thousands of stocks and over 250 ETFs. The firm offers retirement, banking, individual investment, and custodial accounts through a subscription model.

Pros / Cons
  • Automatic savings & investing tools
  • Offers fractional shares
  • Earn bonus stocks through debit card purchases
  • Low minimum investment requirement
  • Withdraw with "Stock-Back" card
  • Helpful educational resources in the investment app
  • High monthly fees for premium versions
  • High expense ratios on ETFs
  • No wealth management services
  • No tax-loss harvesting
  • No automatic rebalancing
  • USA investors only


Stash is designed to help you build your wealth for the long term by investing in various stocks and ETFs. The platform operates in a straightforward manner involving the following processes:

  • Set your financial goals: this is the first step to take when you sign up with Stash. You should seek relevant advice that would guide investment and achieve your financial goals.
  • Choose an investment plan: you are required to choose the plan that suits your investment capital — starting from just $1/month. Then, depending on your preferred investment plan, you can also open an individual retirement account (IRA)4 and investment accounts for kids.
  • Fund your account: you will need to add money into your Stash account.
  • Bank, budget, and create goals: the investment firm offers a plethora of automatic budgeting and saving tools to organize clients’ cash, create goals, and track spending.
  • Invest: after funding your Stash, you can choose to invest it in fractional shares of thousands of stocks and ETFs with a minimum of $5. Alternatively, you can make purchases with the Stock-Back® Card1 and earn stock on Stash in the process.
Stash Functionalities

Stash Functionalities

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Stash Investments LLC (‘Stash’) is an SEC-registered investment adviser. Investments with Stash are held through the Apex Clearing Corporation, a third-party SEC-registered broker-dealer and member of FINRA/SIPC.

Stash’s investment advisory services are available only to residents of the United States in jurisdictions where Stash is registered.

Portfolio Construction

Stash also lets you buy fractional shares, which allows you to choose how much to invest in pieces of stocks and ETFs. These fractional shares start at $0.05 for investments that cost $1,000+ per share.

Platforms & Tools

The firm provides investors with both a web platform and mobile app. Both platforms have a user-friendly interface to suit beginners who are looking for a seamless way to buy stocks and other investments. They are replete with essential tools for budget tracking and investment management. The mobile app is compatible with mobile devices running on Android and iOS.

Stash Investment Platform

Stash Investment Platform


Stash provides investors with a good selection of learning resources that are designed to educate its users on how to develop their financial plans to know the suitable investment for them. Some of the educational resources available at Stash include press releases, learning articles, a newsroom, and an FAQ section that answers some of the top questions that investors may have.

Stash Newsroom

Stash Newsroom


Stash offers the following account types: brokerage, retirement (Traditional or Roth IRA), and custodial investment accounts. The custodial account is an investment accounts for investors under 18 years old. Each of these accounts includes fractional share investing, automated tools, and unlimited advice while getting access to the accounts is dependent on the subscription plan you opt for.

Stash offers three subscription plans with minimum starting amounts as follows: Stash Beginner ($1/month), Stash Growth ($3/month), and Stash Plus ($9/month).

Stash Investment Plans

Stash Investment Plans

As Stash fees can vary and change, additional fees may not be listed in this Stash review.


The investment firm provides clients with a knowledgeable customer support team who are polite and responsive. The support team can be reached through telephone and email.


Stash allows investors to deposit and withdraw funds to and from their Stash accounts using credit/debit cards (Stock-back cards) and bank transfers.


To open a live account with Stash, click on the “Get Started” button at the top right corner of the firm’s website and follow the prompts. You will be required to provide some KYC documents for account verification.


Based in New York, Stash is a personal finance platform that simplifies investing, making it easy and affordable for everyday Americans to build wealth and achieve their financial goals. They provide customers with a proprietary mobile app and a range of useful investing tools.


Min $5 Deposit

Stash is an online investment platform that allows users to incrementally invest small amounts via an intuitive web platform & trading app.

All investments are subject to risk and may lose value.

About the Author

Richard Montana
Richard has many years of experience in broker research, testing, analysis and reviews. He knows what to look for through years of trading himself with different brokers and listening to the feedback of others.

Review Methodology

For all of our broker reviews, we research, validate, analyse and compare what we deem to be the most important factors to consider when choosing a broker. This includes pros, cons and an overall rating based on our findings. We aim to help you find the best broker according to your own needs. You can read more about our review process.