We’ve got two separate plans, each with their own fee, and you can choose to pay monthly or yearly.
- Stash Growth: $3/month or $32/year
- Stash+ is $9/month or $97/year
You can check out what’s included in each plan here
We collect this subscription fee once a month, or once a year, based on your frequency preferences, around the date when you first opened your account. You’ll always be charged the same fee, unless you upgrade or downgrade your subscription, which you can do at any time. Your subscription is automatically renewed unless you cancel or change it, which you can do at any time.
Want to learn more about our subscription plan fees? We’ve got you covered. You can also check out our list of Ancillary Fees.
DISCLOSURES
¹Clients prepay the Stash Fee for a bundle of advisory services, which are provided by Stash upfront. Clients may continue to receive access to the Platform and certain advisory services under the Program even without opening a Stash Account or after a Stash Account has been closed. In the event of the closure of your Stash Account and/or cancellation of your Platform Tier Service, Stash will not refund any prepaid portion of the Stash Fee for the monthly billing period in which your Stash Account is closed and/or Platform Tier Service is canceled. In such case, Stash will continue to provide you with the Financial Counseling Service and you will retain access to the Platform and/or Program (without the power to open an Individual Account or otherwise effect brokerage transactions, as applicable) through the end of the monthly billing period in which your Stash Account is closed and/or Platform Tier Service is canceled.
If you pay your Stash Fee in advance annually, and you decide to either downgrade your subscription from Stash+ to Growth or modify your billing frequency from annual to monthly, then Stash will provide fee credits to your Stash Account in an amount that reflects the remaining prepaid portions of your Stash Fee for the remaining months in your annual billing period. If you cancel your subscription, then we will refund the prepaid portions of the Stash Fee for the remaining months in your annual billing period including any remaining fee credits, with the exception of the monthly billing period in which your Subscription is canceled.
See annual price T&Cs here.
FAQs
Stash at a glance
| Account minimum | $0 ($5 for Smart Portfolios). |
|---|
| Account management fee | $3 per month for automated investing. $9-a-month tier available with access to Kids Portfolios (custodial accounts) and higher Stock-Back® rewards. Full details about each option below. |
| Investment expense ratios | 0.08% to 0.14%. |
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After you complete your free trial, we will automatically bill you every one-month or one-year anniversary on the day that you signed up for your account. For example, if you sign up for Stash on April 9th, you'll be billed every month on the 9th (monthly billing), or every year on April 9th (yearly).
Why did Stash charge me $36? ›
Relatively high fees, especially for small portfolios.
Stash's monthly fee can be quite high for a small portfolio. If you have $1,000 in your account and pay $3 a month for Stash Growth, that's $36 a year—a wildly expensive 3.6% annual fee. Betterment charges an annual management fee of only 0.25%.
Can you actually make money on Stash? ›
Rather than receiving cash back or rewards points, cardholders can earn rewards in stock of their choice. Note, however, that the amount of stock you'll actually earn is pretty meager — Stash Growth users can earn 0.125% back on purchases while Stash+ customers can earn 0.25% back.
Is Stash really worth it? ›
Is paying for Stash worth it? The Stash subscription fee may be worth paying if you're a new investor who wants access to customized portfolio recommendations and personal finance advice. It may also be worthwhile for people who make frequent debit card purchases and want to earn stock rewards.
Why is Stash taking money out of my account? ›
Your subscription fee may be deducted from your Stash banking account balance.
How do I get Stash to stop charging me? ›
To cancel your Stash subscription, just follow these three steps: Go to https://app.stashinvest.com/manage-subscription/manage. Log in to your Account. Click Cancel My plan.
Does Stash actually give you $30? ›
Stash will pay the referring party for referral services provided by the referring party up to $30 for each Prospective Client who opens, links a bank to, and/or deposits funds into a Qualifying Account.
Can I get all my money back from Stash? ›
Q. How are refunds calculated if I close my Stash account or close my subscription plan? Stash will refund any and all pre-paid portions of your Stash subscription fee in accordance with the terms of your Advisory Agreement.
How risky is Stash? ›
When you use Stash, your information is encrypted and stored on secure servers, and your funds and securities are held with your security in mind. Your current investments are covered up to a maximum of $500,000 total, including $250,000 in cash balances through the Securities Investors Protection Corporation (SIPC).
You can cancel your Stash plan at any time in the app or online at Stash.com. Keep reading to learn what to do before you close, and how to cancel your plan in the app or on the web. Kids Portfolio(s): You'll need some help from us.
What is the best thing to invest in on Stash? ›
Try one of these 11 best short-term investments to get started:
- High-yield savings accounts.
- Certificates of deposit.
- Money market accounts.
- Money market mutual funds.
- Cash management accounts.
- Short-term corporate bond funds.
- Short-term government bonds.
- Municipal bonds.
Prior to age 59½, withdrawals of interest and earnings are subject to income tax and a 10% penalty. All earnings are tax free at age 59½ or older, assuming your first contribution was more than 5 years prior. Income Eligibility applies.
Do you pay taxes on Stash? ›
Stash Invest accounts are taxable brokerage accounts. You are required by the IRS to report income earned from capital gains and other applicable distributions. This means you will need to pay taxes on money you make through capital gains, dividends, and income interest.
