FAQs about Stash - A Personal Finance app

Written by True Tamplin, BSc, CEPF®

Reviewed by Subject Matter Experts

Updated on January 28, 2024

Are You Retirement Ready?

Stash is a personal finance app that makes investing easy and affordable. With Stash, every American can build wealth and achieve their financial goals.

The philosophy behind the building of Stash was that everyone needs to have access to investing.

Fractional shares start at $0.05 for investments that cost $1,000+ per share. Additionally, Stash has investment and saving tools like the Stock-Back Card, which has enabled more than 5 million people to reach their financial goals.

Is Stash Safe?

Stash is legit and gives you guaranteed security for your cash and the investments you make. Stash uses cutting-edge security features and works to keep your spending safe and secure.

Also, it is a registered investment advisor with the US Securities and Exchange Commission (SEC). It provides FDIC-insured bank accounts through Green Dot Bank.

How does Stash work

With Stash app, you can build wealth for the long term. So how does it work?

Answer a few questions

On joining Stash, you answer some questions that enable them to know you and understand your financial goals. It helps you get specific advice that is useful for investing and budgeting.

  • Pick a plan

The subscription plan you pick can be $3 per month. Stash enables you to gain access to investing with a personal brokerage account, Stock-Back Card, budgeting and saving tools, advice, and education.

You can get life insurance through Avibra. Based on your account, you can open an individual retirement account (IRA) and investment accounts for kids.

  • Add money to Stash

The good thing is that Stash allows you to add money either automatically or manually. It will only take you five minutes to set up a direct deposit and send either all or part of your paycheck to Stash. You can even receive your paycheck up to two days earlier.

  • Bank, budget, and set goals

Stash has automatic budgeting and saving tools that help organize your cash into different spaces, set goals, and track your expenditure.

  • Invest

With your cash in Stash, you have an option to invest it in fractional shares, which allows you access to thousands of stocks and ETFs with $5 or less or use your Stock-Back Card to make purchases and earn stock on Stash as you spend.

The best thing to remember is that Stash is built for the long-term and not day-trading. Therefore, all of the market transactions execute during four trading windows each weekday.

Market conditions determine the availability of trading windows and are subject to limitations.

  • How much does Stash cost?

There are two easy plans for your long-term investing with Stash: Stash Growth, and Stash+.

Stash Growth

Stash Growth is designed with beginners in mind, offering a comprehensive set of wealth-building essentials.

This includes access to a personal investing account, a retirement account, an automated investing account known as Smart Portfolio, and the Stock-Back® Card.

It serves as an excellent entry point for those who are new to the world of saving and investing.


Stash+ stands as their premium plan, encompassing every tool, feature, and account type within our offering.

Notable features include investment accounts tailored for children, a Stock-Back® Card that accrues 1% stock rewards on every swipe, up to a maximum of $1,000 per month, and an additional $10,000 in life insurance coverage through Avibra.

If you frequently use a debit card, have children, or seek to optimize your financial potential on Stash, this plan may be an ideal choice for you.

Why is there a monthly fee on Stash?

Stash gives you access to your money needs in a simple and transparent way. We can draw an analogy to how one can pay a flat-rate to a music streaming service to access millions of songs.

By paying a flat fee of $3 or $9 every month, you get access to fractional share investing, a debit card that will earn you stock when you spend, financial advice, and many other benefits depending on your plan.

With Stash, you are guaranteed that there is no hidden fee, and every plan is straightforward. Stash understands how awful predatory fees from financial services can be.

That is why Stash is about transparency and making everything simple and accessible.

FAQs about Stash – A Personal Finance app FAQs

About the Author

True Tamplin, BSc, CEPF®

True Tamplin is a published author, public speaker, CEO of UpDigital, and founder of Finance Strategists.

True is a Certified Educator in Personal Finance (CEPF®), author of The Handy Financial Ratios Guide, a member of the Society for Advancing Business Editing and Writing, contributes to his financial education site, Finance Strategists, and has spoken to various financial communities such as the CFA Institute, as well as university students like his Alma mater, Biola University, where he received a bachelor of science in business and data analytics.

To learn more about True, visit his personal website or view his author profiles on Amazon, Nasdaq and Forbes.

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