Stash: Banking & Investing App

Stash: Banking & Investing App Wiki

Written by Stash


Rated 4.70404 From 164,804 Votes
$ 0.00
  • Last Updated: 2020-05-28
  • New version: 2.9.37
  • File size: 199.35 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. Today, it has gone through many interations by the developers - Stash, with the latest current version being 2.9.37 which was officially released on 2020-05-28. As a testament to the app's popularity or lack thereof, it has gathered a total of 164,804 Reviews on the Apple App Store alone, with an average user rating of 4.70404 out of a possible 5 stars.

How does it Work?


Join 4+ million people on Stash, a personal finance and investing app where you can buy stocks and funds with any dollar amount, experience banking with benefits, save and budget smarter, and learn as you go. We offer three subscription plans. Each plan is designed for a range of needs and goals and offers unique ways to save and invest. You can pick the plan that’s right for you, with the option to switch as your life changes. Transparent Pricing Stash Beginner ($1/mo.)** • Includes: Personal investment account & bank account access Stash Growth ($3/mo.)** • Includes: Everything in Beginner + a retirement account Stash+ ($9/mo.)** • Includes: Everything in Growth + 2 custodial accounts, metal debit card†, 2x Stock-Back™ rewards# & monthly market insights. Get Your Pay Up to 2 Days Early All plans include access to the Stash debit card, which comes with our FDIC-insured banking account. You can get paid up to 2 days early with direct deposit. Plus, no overdraft‖, minimum balance, set-up, or hidden fees.¶ Budgeting money made simple Make a budget and stick to it with partitions¤, a new way to organize your money. Earn Stocks & Funds As You Spend You can use the Stash debit card to earn stocks and funds through our Stock-Back® rewards program, building a portfolio that reflects where you shop#. Investing with any Dollar Amount Unlike other apps, 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. Unlimited Education Stash Learn can help you become a finance whiz. Read investing learning guides, stay up to date on financial news, and get tips on saving, budgeting, and investing. Automatic Saving & Investing Auto-Stash is always included. Save spare change with Round-Ups. Save effortlessly with Smart-Stash. Or try investing regularly with Set Schedule. *Promo subject to T&C. Limit one cash reward/user. Promo can't be combined w/ certain promos. See T&C: http://bit.ly/2Tedjjt **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 access to direct deposit depends on deposit verification & when Green Dot Bank gets notice from employer. May vary between pay periods. ‖ Transaction declined. No fee charged. ¶ Other fees apply to the bank account. ¤ Money moved into a partition must be moved back to available balance to be used and does not earn interest. # Stock-Back™ Rewards 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&C: https://bit.ly/2KLOqbN. Disclosure Debit 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. For bonus offer, you accept T&C: bit.ly/2XyzcN1 Investing Involves Risk. Listed investments currently available but not representative of all. Full list: bit.ly/2XaZplv. Information shown is for illustrative/educational purposes & isn’t a recommendation. Product & company names are trademarks™ or registered® trademarks of the holder. Use does not imply affiliation with or endorsement by them. 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. More:bit.ly/2XCMDM0

Top Reviews

  • A good habit of saving.


    By Maissssas
    I started Stash about four months ago. I didn’t deposit anything for the first month and kinda just researched the app a little bit. The first thing i love about Stash is that it’s super user friendly. It’s easy for me to navigate and it’s beautifully built. The second thing i like about it, is that you can go at your own pace, whatever that may be. This app is meant for INVESTING which means “stashing” your money away and forgetting about it. Me personally, I’ve always tried to set money back in my savings and checking account and it just seemed like nothing ever grows. With stash, I’m able to put back an amount that is comfortable for me. They have a feature called auto-stash and i turned that on. I set my limit at $10 a week, noticed it was super easy and wasn’t losing any sleep over it, so i moved it up to $30. I did $30 for a few weeks and got excited so i bumped it up to $60 a week. For me, this is the perfect flow right now. It’s been three months of consistent saving, NO withdraws, and i purchased some ETF’s and Stocks in a few companies and my stash account just hit $1,000 with $104 being a return. This is a great way for you to save a little bit of money, and letting it grow over time. I give it 5 stars for my experience. I may leave another review when i hit 5k!! 😛
  • 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!
  • 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.
  • 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.
  • Looks like a great application BUT!


    By captkarma
    I have been checking out investment applications as I currently use E-Trade. Either I missed the statement or there wasn’t one but after setting up an account so I could see how it works. I decided not to use the application so selected not to invest with them. I didn’t know that I needed to call and have them remove my account, which could take 10-14 days. I used a bank account that I don’t monitor because I usually move money into the account not out. It wasn’t till my wife took over the account that she asked me about a $1 charge by something called stash. It was well over a year so I didn’t remember what Stash was till I checked in the AppStore. Re-download the application, logged in, saw I wasn’t using and through the help discovered the only way to leave was to call support and have the account removed. This means if in the future I do decide to use a new account it will need to be added again, can’t just start using with an existing account without being charged a maintenance fee. Response to developers, As a suggestion it would be nice if an account that is not investing be held dormant for a specified time (1 month) then automatically deleted and only charge the account if there’s is an investment made.
  • It will take your money but won’t give it back


    By LlllAaaaa24
    I was happy with this app for the first couple years that I have used it. It has allowed me to save up a nice amount of money and gain some good experience with investing. However, my issue with it is this. My financial situation has changed recently so I decided I want to put a hold on the auto stash feature ( which automatically takes money out of your bank account and puts it into the app) as well as withdraw a cash balance I had in the app. First off, I could not put a hold on the auto stash feature, I have gone around and around in circles on the app trying to figure out how to turn the feature off. It could not be more confusing. Also, I could not withdraw the cash balance I had in the app. The app would “freeze” ( I don’t know how else to describe it) when I would try and finalize the transfer from the app to my bank account. I figured something was wrong with the transfer feature on the app, so since I couldn’t take money out I checked to see if I could put money in. Guess what?! That worked. The app will take my money no problem. But if I want to withdraw my money then all of a sudden it no longer works. I don’t think I am going to continue to use a service that will gladly take my money but will not give it back to me.
  • Great idea, horrible execution.


    By StashFounder
    I have been a Stasher for over a year and a Founder of their checking account. Recently Stash over drafted my Chase Bank account by duplicating an automatic transfer from my Chase checking account, and Stash admitted to their mistake. I tried to disconnect that external account and link another, but the app showed an error. Called customer service and they were also unable solve the issue and was referred to “operations”, which I assume is their tech support. Because I did not authorize this duplicate payment, Chase is in their right to charge me overdraft fees. Stash never returned my money, and on top of that have to pay the overdraft fee. The main appeal of Stash over other investment firms is the lack of fees and their auto-Stash, so if these don’t work there is no incentive to open a Stash account. Fortunately, other investment firms followed suit on Stash/Robinhood by not charging trade fees, so I can get much better service at the same price elsewhere. I agree with the core values and investment strategy of Stash, but technical difficulties are too common and too inconvenient for any working person to deal with, so I am closing my account and never returning to Stash again. Hoping I will get to see the money that was taken from me without my authorization. This is completely unacceptable, especially from an investment app that has only been good at hurting my returns.

External Links

Stash Official Website

Download for Free on On iTunes
Download for Android

Disclaimers:
This page was last edited on 2020-05-28.
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