Stash: Banking & Investing App

Stash: Banking & Investing App Wiki

Written by Stash Financial, Inc.


Rated 4.7 From 193,268 Votes
$ 0.00
  • Last Updated: 2020-10-05
  • New version: 2.9.52
  • File size: 206.49 MB
  • Compatibility: Requires iOS 11.0 or later. and Android 4.4. KitKat or later

Stash: Banking & Investing App


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Stash: Banking & Investing App is an iPhone and Android Finance App, made by Stash Financial, Inc.. Today, it has gone through many interations by the developers - Stash Financial, Inc., with the latest current version being 2.9.52 which was officially released on 2020-10-05. As a testament to the app's popularity or lack thereof, it has gathered a total of 193,268 Reviews on the Apple App Store alone, with an average user rating of 4.7 out of a possible 5 stars.

How does it Work?


Join 5+ million people on Stash, a personal saving, investing, and banking app. With Stash, you can buy fractional shares of stocks and funds, invest and bank together with Stock-Back®#, save and budget smarter, and learn personal finance skills as you go.^ Stash offers three plans, starting at just $1/month, each designed with different tools to save, invest, and budget. Pick the plan that's right for you or switch anytime. ----Transparent Pricing-- Stash Beginner ($1/month)** • Includes: Personal investment account & bank account access For the personal finance novice learning to invest and budget. Stash Growth ($3/month)** • Includes: Everything in Beginner + a retirement account For the long-term saver and investor with goals in mind. Stash+ ($9/month)** • Includes: Everything in Growth + 2 custodial accounts, metal debit card, 2x Stock-Back® rewards# & monthly market insights. For the savvy investor and debit card spender looking to maximize their Stash. For more information on each plan, visit our pricing page. Banking An online bank account that works seamlessly with your investment accounts and can earn you stock when you spend with Stock-Back®. Set up direct deposit get paid up to 2 days early§ plus, no overdraft‖, minimum balance, set-up or hidden fees.¶ Investing Invest in stocks with $1 or less. Stash lets you buy fractional shares of stocks, bonds, and ETFs with no add-on trading commissions*. We offer personal, retirement, and custodial (for children under 18) investing accounts. Stock-Back® Use Stock-Back® to build your portfolio while you shop. Earn stock rewards from your go-to brands, just by swiping your card#. Budgeting + Saving Make a budget and stick to it with new ways to organize and save money automatically. Advice Get personalized advice to help you build better financial habits. Plus, read articles, news, guides, and tips to learn to invest, save, and budget smarter. ^Stash offers access to investment and banking accounts under each subscription plan. Each type of account is subject to different regulations and limitations. See the Advisory Agreement and the Deposit Account Agreement for more information. **You’ll bear fees/expenses reflected in pricing of ETFs you invest in and may incur ancillary fees charged by Stash or its custodian not in monthly subscription price. § Early availability depends on timing of payor’s payment instructions and fraud prevention restrictions may apply. As such, the availability or timing of early direct deposit may vary from pay period to pay period. ‖ Transaction declined. No fee charged. ¶ Other fees apply to the bank account. # Stock-Back® is not sponsored or endorsed by Green Dot Bank, Green Dot Corporation, Visa U.S.A., or any respective affiliates. None of the foregoing has any responsibility to fulfill rewards earned in this program. T&Cs: https://bit.ly/2KLOqbN and https://bit.ly/3hFaH7l. For Securities priced over $1,000, purchase of fractional shares starts at $0.05. Disclosure Bank Account Services provided by Green Dot Bank Member FDIC, pursuant to a license from Visa U.S.A. Inc. Investment products & services are offered by Stash Investments LLC, not Green Dot Bank, and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value. Securities offered through Apex Clearing Corporation, Member FINRA/SIPC. Investing Involves Risk. Preliminary information provided to prospective clients prior to Stash accepting a signed advisory agreement is not investment advice & should not be relied on as such. Stash Investments LLC is an SEC registered investment adviser. Must be 18+ to open an account. Stash only available to US citizens, permanent residents & select visa types. For additional disclosures, view the last screenshot. More:bit.ly/2XCMDM0

Top Reviews

  • Stash is great for long term investing or for beginners learning the market


    By jayshorts
    I like the amount of stocks and etfs available on stash . I do not like that there are only 3 or 4 windows a day when your trade will be made and you cannot set a buy/ sell limit so you are basically hoping what ever position you are going for when u initiate the trade is close to the positiion when the trade is executed by stash . This makes day trading nearly impossible . Also have noticed stash Has reversed trades for no reason that I can tell . Trades that cost me money. I’m sure they have positions of their own but if they reversed sold my stock without my permission so they can profit or keep from losing market price is bs. Overall I like the app , just wish the interface was more graphical and there were more analytics about particular stock’s performance you could few when deciding how to move . Once again that’s why I said it’s a great way to save money and invest partial shares . But I feel as though there should be another tier , maybe along the lines of some of the competitors trading platforms out there . Not just a 9$ a month broker. Oh yeah and what about the glitch if you use stash as your primary bank and the round up and auto stash features don’t recognize your direct deposits . Should there be an internal round up and auto stash feature ? Also was sent a gift by stash yesterday which failed to load and I gained nothing , way to get me excited. All and all I give it a 3.75
  • Excellent


    By Jamminalli
    Update: I have been using the app now for about two years. I enjoy the freedom of picking my investments and moving money around. It does take a while for the selling window to take place if you want to withdraw money, which I rarely do. What I didn’t like was the customer service I received through email. I received several emails with a one sentence response that did not address my concern. I have referred several people so far to use the app, and the latest was advertised at receiving $20. I was told it was a $5/20 where my friend gets $20. I’m verifying later today that she received $20 as the agent stated. That was not what the ad states. So be aware if you refer, that the “Get $20” may not apply to you. This is a great app and I compare it to fantasy football. You can pick up and get rid of “players“ as your investments if you don’t like the way they perform. You can view past performance, and it’s easy to diversify. I knew nothing about investing when I got started but this makes it easier to get started and learn if you’re interested. I’ve also referred a few people and we all got our free money! When I started using this app a couple of years ago, I was working to repair my low credit score and save just a little bit of money starting with $5. Now my credit is great, and not only do I have a little savings, I am also now well above my original goal of an initial investment that I felt was a good first milestone.
  • Beginner, I'm so excited about Stash!


    By Spbrenda
    Wow! I've started at the end of July and I feel very confident in this app. I've always wanted to invest. First I tried Merrill Lynch with my bank and they even called me, at first I thought I was opening just a retirement / savings account with them but they said I signed up for stocks which is very confusing since I thought it was savings. But I tried and really I couldn't understand nothing of that, I still haven't deposited anything because it's too confusing. So I researched other ways and this is when I found Stash. I started with $30 a week out my checking account then as of 2 weeks ago my only return was $2.35 and I had 4 ETFs but one seemed to not be doing so well, I know they say sell when market is low but as a beginner I don't understand all that but as it was not doing me well and the other 3 were better , I sold that one and put $10 out my stash account into the one doing extremely well. I feel very confident in my choices and as of yesterday I have a return of $4.35... In 2 weeks $2, that's amazing to me as it took me 4 months to get only $2.35. I'm still learning and I still want to open retirement and savings in stash as they offer both. I even got $5 for getting someone to sign up and it's $1 a month fee to stash :) no one can beat that! Win win!
  • Pretty good service for starting out


    By Etugdgjb
    Overall for the most part I’m pretty satisfied with Stash my only complaint is the lack of accessibility to stocks. Stash has roughly half of the companies listed on the NASDAQ available to it’s subscribers for investing. I have emailed in a few times regarding this issue and asked when specific stocks would be available in the portfolio. The only answer I get back is that they add new stocks daily. However, unless they also take some away daily I have not seen a growth in the overall size of the available stock portfolio to support that statement. I have not seen any of the stocks that I have requested become available either and it’s been at least four months since I last asked. I was forced to open a Fidelity account as well or miss out on some really good stock buys. Overall I do really like the app and how user friendly and easy it is to use. It is truly my preference for investing. Maybe if they ever get all of the stocks on the market available for purchase I will close my Fidelity account and go back to just using Stash. Right now though I can’t afford to miss out on all the money that they leave on the table.
  • Good concept, bad app, horrible customer service


    By VV249
    I like the fact that you can purchase partial shares with small amounts at a time, however, they keep offering these banking services and after you sign up and link your cards, you’ll never be able to see them again. They have all your info and give you no option to review or modify your choices. They’re also very bad at communicating changes, issues or due dates for offers. The app itself needs significant improvements, the FAQ is useless to me, and when I contacted customer service to ask where I could see all the banking options and services I signed up for within my account, customer service responded with instructions to update the app!!! Seriously??? Overall, this is a great idea, poorly executed and the way accounts have been managed is starting to make me paranoid about this not being an honest reliable company. I wonder if the earnings are also been manipulated because first; the values shown in the app are not real time (I look up the funds in other sources), so when you buy shares you’re not actually buying/selling at market price, you’re buying/selling at Stash price. Second, it seems like a lot of people start with earnings of 11-20% (great hook to keep someone motivated) that change to about 1-2% overtime. I could blame the market, but then again, you’re trading at Stash prices, not market, so I can’t trust what’s really happening to my investments. I think it’s time Stash gets some competition.
  • Poor customer service


    By MoonshineMike
    I’ve been investing with them since they started up a few years ago. I’ve been so impressed with them that I tell all of my friends about them and I even have taken advantage of their online banking services now as my primary bank. However, over the past few months I’ve encountered a number of technical errors with the stash app and have had to contact customer service on many occasions and each time the representatives have either not addressed the issue at all or just given me an answer that was different from the previous customer service rep indicating that they really don’t know what’s going on. It’s been about 3 months now that I’ve had the same technical error with the stash app. It took them 2 months to elevate the issue to their IT department who contacted me and I did what they said to do. Their solution was just to have me go to their online website and try to purchase my stocks that way... avoiding the app all together... So I logged into the website and purchased my stocks that way and finally it worked however, somehow the act of logging into their website completely locked me out of my Stash App. I contacted customer support and it’s been days and no response. These guys used to be great but obviously they expanded way too fast for their own good. They’re customer service and IT department aren’t trained properly to handle much of anything and they certainly aren’t on the same page. Get a grip guys. This is ridiculous.
  • Love the app, but a few things I’d like to see


    By rctking
    I understand this app being more of an investment app and the options are amazing for ETFs. On the other hand, investing in companies single hand can be tough. I like seeing the ‘average price’ in which you are invested to the stock with multiple transactions. But with these transactions I do not see where the exact price you bought it for is at. Maybe I’m not seeing it somewhere, but watching the market on different apps and finding a good spot to buy ( on say a ‘low’) is difficult to monitor when you can’t see or depict how much you actually bought the stock for when you make a purchase. Along with this, an added ‘day’ part to the progress charts of the stock would be nice aside from just the: week,month, 6month etc. that would help track buying and selling for more frequent traders as they continue to “Stash” their money into different companies. But like I said in the beginning, I understand this is more of an investing app and not one to be of frequent trading. I like this app and will continue to use it for right now, but as trading becomes more frequent - I may have to move on to something else like E-trade or RobinHood. Other than that , it’s wonderful tool for learning and getting to know the basics for a well priced monthly fee. A great way to start investing.
  • I love the debit card more than anything else


    By Ms. Shields
    Stash is a great app. But in my opinion I feel like unless you can invest in a very large amount of money it’s not worth investing the small amount unless you’re trying to make a savings, because any profit that you receive goes back to them for their one dollar fee which equivalents to $12 a year and on small investment that’s about all you’re pretty much profit for the year. I ended up pulling my largest investment which was around $100 which was holding a steady profit of about $4 dollars. I’m going to still hold onto the app since I left all of my stock back investment in there that way when I’m in a position to put a couple of thousand dollars in there then I will really see a difference especially for the investment account I picked, it’s a good one, which is also a big factor because you can lose big-time if you don’t choose carefully which business you invest in; which that was a learning experience for me because before Stash I didn’t know anything about investing, now I feel like I know enough to want to be an investor. With all that being said I absolutely love love love having the debit card I get direct deposit there and it’s great no fees with the bank I really do absolutely love the debit card.
  • Put my account in a negative balance don’t use


    By Baxstar.S
    Hello guys this is my first review of a app why my first this is the app that put my bank account in a negative balance so I am a beginner and wanted to make some money so I bought small invest of like 10 dollars they gave me 5 n I used 5 i then I decided I wanted to invest good money so I picked some stocks I would like in fortune so I put them in my portfolio it added up to 20$ I’m auto stash I set a schedule for 20$ to be taken out the next week I get payed then stash took money out my bank the same day but the thing is I only had 17 dollar in my bank account and it tried to take 20 but since there was not enough my bank charged me a 29 dollar fee which put me in a -17 dollar balance I am very sad about this so I call stash n try to talk to them the say that the 20 will go back to my back so I’m thinking it will all be okay then stash hits my nank again even tho I’m already in a negative balance they try to take money from me ;( n they put me in -46 dollar balance cause my bank charges 29 dollar overdraft fees since the money they wanted wasn’t there my bank did the overdraft fee again even when I turn off n everything in stash what I’m saying guys is don’t use stash it will take your money you won’t get it back till this day my money will never be seen thank you and hope you can understand my bank is still in negative balance ;( anyway thank you for reading my review bye.
  • Horrible Customer Service


    By Lifted CEO
    This app was great AT FIRST! Everything seemed fine, I invested in some stocks and had about $25 in my portfolio. Then I decided (since I felt a little more comfortable) to transfer $25 to my portfolio and reached $50 in my portfolio. I used my $25 to invest in some more stocks but the next day, all my investments were gone and my portfolio was back down to $25 and I actually lost money because all of my returns from the investments were gone. I called Stash and they said that the transfer was cancelled. I attempted to redo this like three times but every time “my bank” supposedly cancels the transfer. I don’t understand why this is happening and customer support didn’t help me at all. They just kept telling me that the stocks “were not mine” to begin with. So if they’re not mine, fine. I don’t want them to be anymore anyway. This app is a joke, I read reviews and more people are having issues like me. Someone suggested Robinhood so I’m going to try them now. Bye, Stash, I’m out! ✌️ By the way, I forgot to mention. Even after closing my account and selling all my investments, Stash still managed to charge my bank account $6 for I don’t even know what. But that’s funny how they can charge me for their BS but when I want to transfer money to invest, it always get “cancelled”. Seems a bit weird, right? This company is a scam. Seemed like a great idea but it’s poorly executed. Hopefully other companies are doing it the right way.

External Links

Stash Financial, Inc. Official Website

Download for Free on On iTunes
Download for Android

Disclaimers:
This page was last edited on 2020-10-05.
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