stashcom

Stash is a U.S.-based fintech that blends beginner-friendly investing, retirement accounts and banking in one mobile-first app. It emphasizes fractional shares, educational guidance and low minimums so new investors can build portfolios and savings without complexity.

Founded2015

Price$ (affordable subscription)

FocusInvesting & banking app

AvailabilityU.S. accounts only (digital)

Why Stash

All the basics—investing, retirement and banking—packed into a single app.

01Fractional shares made simpleBuy portions of expensive stocks and ETFs with any amount of money—ideal for building diversified portfolios without large capital.

02Guided, beginner-first experienceActionable lessons, thematic investing ideas and clear next steps help new investors learn while they build real portfolios.

03Banking plus investingCombine checking-style features, a debit card with Stock-Back® rewards and investment accounts under one verified, mobile-first platform.

Everyday banking with rewards

Stash Banking pairs a spendable checking experience with an FDIC-insured account and a physical debit card. Cardholders can earn Stock-Back® rewards—fractional shares when they shop—so everyday purchases double as investment opportunities. The account integrates with the app for transfers, budgeting and instant access to cash while keeping everything within the Stash ecosystem.

Investing for new and busy savers

The Stash app focuses on simplicity: low minimums, fractional shares, curated ETFs and retirement accounts (Roth, Traditional). Automated options and thematic portfolios let hands-off investors allocate by goals, while educational content guides decisions. For parents, custodial UTMA/UGMA accounts and recurring contributions make long-term saving straightforward.

What They Sell

Individual brokerage accountsRoth IRATraditional IRACustodial (UTMA/UGMA) accountsManaged portfolios / thematic ETFsFractional shares & ETFsStash Banking (checking & debit)Stock-Back® rewards

Our Verdict

What we like

Fractional shares let you invest with any amount
Beginner-focused education and goal-based guidance
Integrated banking and investing in one app
Low minimums and simple recurring contributions

Worth knowing

Available only to U.S. residents
Subscription fees can feel high relative to very small balances
Not suited for active or advanced traders

FAQ

Does Stash ship a physical debit card?

Yes. When you open a Stash Banking account and complete verification, a physical debit card is mailed to your U.S. address. Delivery timing varies by carrier and location.

Can I withdraw or close my Stash account?

You can sell holdings and withdraw cash to a linked bank account, or request an ACATS transfer for eligible assets. Withdrawals and transfers take time to settle; any open positions must be sold before a full cash withdrawal.

Are there discounts, promos or referral rewards?

Stash occasionally runs promotions and a referral program that rewards new and existing users. Check the Stash website or app for current offers and terms.