Stash App Review: Get Started Investing With $5

Have you ever wondered how you can start investing in real companies without having to worry about the technical jargon of the stock market?

Today we’re discussing a modern investing platform that not only makes owning stocks simple and fun, but can also provide several additional benefits to the everyday investor.

Stash is a popular micro investing app with access to thousands of stocks and ETFs, built-in Stock-Back Rewards1, mobile banking2, and the ability to own pieces of your favorite companies. 

With several investing automation tools and a clean user-interface, Stash makes it easy to get started investing with as little as $5.

In this Stash app review I’ll be covering all of Stash's features, breaking down it's pros and cons, and discuss who I think this investing app is most ideal for. 

Check out our Stash app review below and see how it compares to today's top investing apps here.

This article contains affiliate links. To learn more, visit our affiliate disclosure.

Our Rating


☑️ Quick Summary ☑️

  • Get started investing with as little as $5  
  • Invest in thousands of single stocks and ETFs
  • Easy-to-understand terminology for new investors
  • Can invest in fractional shares of stocks
  • Offers an investing account, banking account2, retirement account, custodial account.

 🔮 Try Stash and Get a $5 Sign Up Bonus Here 🔮


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What Is The Stash App?

Stash is a popular micro-investing app that helps make it easy for new investors to invest in different areas of the stock market, bonds, crypto, and even some alternative investments. 

Whether you want to own a piece of your favorite company, invest in brands with a worthy cause, or simply try to grow your investments through the stock market, Stash offers something for everyone.

Available on both iOS and Android devices, Stash provides several financial tools and resources built into the app that can not only help you make investments but also guide you in building smarter money habits.


How Does the Stash App Work?

Stash is an extremely versatile app. Not only do they have an easy-to-use investment platform, but they also offer a banking (checking) account2, a Stock-Back® Card2, and even have the option to open an additional retirement account with some subscription plans.

I’ll touch more on each of these areas in just a bit. But, the most important thing you need to know is that Stash provides a very clean user-friendly interface and easy-to-understand terminology.


Stash currently offers over 3,700 investments (both ETFs and single stocks). If you're new to investing, an ETF stands for Exchange-Traded Fund.

Essentially, an ETF is a basket of related stocks grouped together in one investment. And single stocks (also known as "individual stocks") are single companies such as Amazon, Google, Walmart, etc.

ETFs are often composed of individual stocks related by a specific sector of the market. For example:

  • A technology ETF composed of technology related companies
  • A retail ETF composed of retail related companies
  • A dividend ETF composed of companies paying consistent dividends

Tip: ETFs can be an easy way to diversify your investment portfolio and may help reduce risk compared to solely investing in individual stocks.

The great thing about Stash is that not only do they currently offer over 3,700 single stocks and ETFs, but they have continued to add more ETFs and individual stocks over time.

Many of the investment funds on Stash are established ETFs from well known investment firms such as Vanguard and iShares.

Stash simplifies the names of these investment funds into easier-to-understand terminology for the everyday user.

Stash's ETF investment options offer something for every type of investor, whether you want to be conservative, moderate, or aggressive.

There’s also a number of different sectors and niches you can choose from.

Overall, this can really help take the guesswork out of investing as you can easily look over the preselected options, read their overview and performance, and choose the ETFs you are most passionate about.


Stash  Crypto

Stash now offers its users the opportunity to participate in the crypto markets.

Through your personal portfolio3, you can directly invest in some of the largest and most established cryptocurrencies available4, such as Bitcoin and Ethereum. You can also gain exposure to crypto in your Smart Portfolio through investment trusts.3

Account Minimum

While there is a monthly subscription fee (starting at $3/month), there is no minimum required to open a Stash account and start using all the built-in tools.  

There is also no investing minimum required. You can start investing with as little as $0.01 and continue to “Stash away” any amount that is comfortable for you to begin building your stock portfolio.

And with Stash’s investing automation tools, you can easily set up recurring deposits to your investment account.

So no matter how much or how little you have to get started with, these consistent contributions can add up and help grow your investments over time.



Smart Portfolio

For those who want an passively managed portfolio Stash also offers a fully automated portfolio option called Smart Portfolio. 

Smart Portfolio is their robo-advisor that invests for you based on your goals. The Stash Investment Team oversees the selection and allocation of your Smart Mix.

Stash’s Smart Portfolio automates investing for you by creating a personalized portfolio based on your risk level. When you deposit cash in a Smart Portfolio, it will automatically add money to your Smart Mix.

Fractional Shares

Stash also lets you invest in fractional shares of stocks and ETFs. 

What are fractional shares, you ask? Fractional shares are anything less than one full share of stock. Stash gives you the ability to invest in a "fraction" of a share of stock without needing to buy a full share. 

On many traditional brokerages, you will find many of the most popular stocks cost hundreds of dollars just to own a single share. But with Stash, you can buy a fractional share of that same stock with as little as $0.01.  

Tip: some investments pay dividends. If you own an investment that pays a dividend in your Stash portfolio, your dividends are automatically received as cash and go into your free cash balance in your personal portfolio. If desired, you can then use these dividends to purchase investments with.


Set Schedule

Stash's Set Schedule feature lets you automate your contributions into your Stash personal portfolio on a weekly, bi-weekly, or monthly basis.

This encourages consistent contributions to your Stash investments without having to think about it. 

Because you’re not investing a sum of money into the stock market at a single time, you won't have to worry about "timing the market." You can pause and resume this feature at any time.


The Round-Ups5 feature lets you invest the spare change from your everyday purchases.

Simply link an external bank account to Stash and every time you spend with the Stock-Back® Card1 associated with your linked bank account, Stash will round-up your purchases to the nearest dollar and automatically invest the spare change. 

Like Set Schedule, you can pause and resume this feature at any time.

 You can see my full Stash app review in the video below:


Account Types

Stash offers four different account types:

  • Personal portfolio - their standard individual investment account. This is a non-retirement account, meaning you can withdraw funds at anytime.
  • Retirement portfolio - their tax-advantaged Roth and Traditional IRAs (Individual Retirement Accounts), allow you to start saving for retirement with as little as $5. 

  • Custodial portfolio - an account for those under 18. Adults, not just parents, can open custodial accounts with Stash. You manage the account and make contributions on their behalf. Once they turn 18 (in most states) the money belongs to them.
  • Banking2 - their banking account with no hidden fees6. Not only is access to the Stash banking account included in both plan tiers (more on that below), but it also has no maintenance fees and no monthly minimum balance fee6
    • The Stash banking account also includes a Stash Stock-Back® Card2. When you spend with it, you can earn Stock-Back® rewards.1 


Stash Stock-Back Rewards1

The Stock-Back® Card gives you have the ability to obtain rewards from your everyday purchases with the Stock-Back® Card in the form of earning pieces of stocks and funds.1

  • With the Stash Stock-Back Rewards program, you can earn fractional shares of stocks in retailers that you shop at such as Starbucks, Walmart, Amazon, Chevron, Netflix, and any other offered on Stash.
  • For example, when you make a purchase at Starbucks with your Stash Stock-Back® Card2, you will earn a piece of stock at Starbucks. If publicly traded stock of the merchant is not available on the Stash Platform, the stock reward will be in an ETF of your choice1. 
  • The unique aspect to Stock-Backrewards is that unlike other rewards programs that offer points or airline miles, stock has no expiration date and may appreciate with time. 

Do keep in mind though, the stock market is not a risk-free investment. Your Stock-Back Reward can lose value just as it can appreciate over time.


Monthly Subscription Fees

There are no add-on commission fees to buy or sell any investments on Stash. However, there is a fixed monthly subscription fee to use the app. Plans start as low as $3 per month. Below is a pricing breakdown of their different plans:

  • Stash Growth   

    • $3 per month
    • Personal investment account
    • Retirement account
    • Banking account2 access  
  • Stash+

    • $9 per month 
    • Personal investment account
    • Retirement account
    • Banking account2 access
    • Custodial accounts 


Is Investing On Stash Safe?

Your investments in your account are protected up to $500,000 total (including $250,000 for claims for cash). For details please see For uninvested funds, your Stash account is enrolled in the Apex FDIC-insured Sweep Program.

Deposits to the Sweep Program are covered by FDIC insurance up to $250,000 limit per customer at each FDIC-insured bank that participates in the Program. Once your cash is deposited with the participating banks under the Sweep Program, such cash will no longer be covered by SIPC.

 SIPC protects against the loss of cash and securities – such as stocks and bonds – held by a customer at a financially-troubled SIPC-member brokerage firm. SIPC works to restore to customers their securities and cash that are in their accounts when any potential brokerage firm liquidation begins.

SIPC insurance is investor protection for investment brokerages failures. SIPC does not protect against the decline in value of your securities. Investments in the stock market are subject to fluctuations in market value. 

SIPC insurance does not apply to the Stash banking account2. Stash offers FDIC-insured bank accounts through Stride Bank.



Who would I recommend the Stash app for?

Ideal for new investors

  • Since you can start investing with as little as $5, Stash makes investing very accessible.
  • Their investments use easy terminology that make them easy to understand.
  • They also have an area inside the app, called Stash Learn, which provides plenty of easy to read articles on saving, investing, and personal finance.

More Experienced investors who want to Invest efficiently

  • Stash provides you several tools to help automate your saving and investing, which helps encourage consistent contributions and may help grow your investments over time.
  • No add-on commission feesJust a set monthly fee which can be as low as $3 per month.
  • You can invest in fractional shares of expensive stocks that cost hundreds of dollars when buying a full share on other platforms. 

Those looking to get a lot of value out of a single finance app

  • Again, Stash is a versatile platform. You have access to an investing account, a mobile banking account2, a Stock-Back® Card with reward features, and even the option to save for retirement.



Who would I not recommend the Stash app for?

Not as ideal for active stock traders

  • Stash’s set of features are more geared towards long term investing and passive growth of your portfolio.
  • If you're instead looking for a stock trading platform with features more designed for active stock trading, you may want to compare Stash with some of these stock-trading platforms

Not as ideal if you want to invest in smaller/ less known companies

  • While Stash currently offers access to thousands of individual stocks, including major companies such as Amazon, Walmart, Netflix, Google, Starbucks, etc., they may not offer access to smaller/ less known companies.
  • The good news is that Stash continues to grow this list by adding new stocks over time. 
  • However, if you're looking to invest in specific individual stocks and ETFs, you may want to compare Stash with some of today's other top investing apps here.


Sign Up Bonus

When you join Stash and add at least $5 to your investment account, you can receive a $5 sign up bonus to invest in your Stash portfolio. If you'd like to try out the Stash app, feel free to join here and enjoy your free $5 sign up bonus today.   

Final Thoughts

If you're looking for an easy-to-use platform to get started investing, the Stash app is an ideal option worth considering.

The mobile app provides an extremely user-friendly experience, access to hundreds of your favorite stocks and ETFs, and even the ability to earn Stock-Back® rewards1 from your everyday purchases. 

If you live an on-the-go lifestyle, the banking account2 is another added bonus. With built-in educational resources and access to several investing automation tools, Stash truly makes it easy to get started investing in pieces of real companies with as little as $5. 

If you'd like to try out the Stash app for yourself and start building your own Stash portfolio, you can join here.

Alternatively, if you're more interested in trading stocks and ETFs you may want to compare Stash with these other stock-trading platforms. Or, feel free to check out today's other top investing apps here.


 Catch the latest investing app videos on the Everyday Investing YouTube channel:


Paid non-client endorsement. See Apple App Store and Google Play reviews. View important disclosures.

Nothing in this material should be construed as an offer, recommendation, or solicitation to buy or sell any security. All investments are subject to risk and may lose value.

1 All rewards earned through use of the Stash Stock-Back® Debit Mastercard® will be fulfilled by Stash Investments LLC and are subject to Terms and Conditions. You will bear the standard fees and expenses reflected in the pricing of the investments that you earn, plus fees for various ancillary services charged by Stash. In order to earn stock in the program, the Stash Stock-Back® Debit Mastercard must be used to make a qualifying purchase. Stock rewards that are paid to participating customers via the Stash Stock Back program, are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value. What doesn’t count: Cash withdrawals, money orders, prepaid cards, and P2P payment. If you make a qualifying purchase at a merchant that is not publicly traded or otherwise available on Stash, you will receive a stock reward in an ETF or other investment of your choice from a list of companies available on Stash. See Terms and Conditions for more details.

2 Stash Banking services provided by Stride Bank, N.A., Member FDIC. The Stash Stock-Back® Debit Mastercard® is issued by Stride Bank pursuant to license from Mastercard International. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Any earned stock rewards will be held in your Stash Invest account. Investment products and services provided by Stash Investments LLC and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value.

Your cash and securities are held in your brokerage account at Apex Clearing, and your cryptocurrencies are held in your crypto account at Apex Crypto.

4 Cryptocurrency trading and execution services are provided by Apex Crypto LLC (NMLS ID 1828849) through a software license agreement between Apex Crypto LLC and Stash Financial, Inc. Apex Crypto is not a registered broker-dealer or a member of SIPC or FINRA and is licensed to engage in virtual currency business activity by the New York State Department. Cryptocurrencies are not securities and are not FDIC or SIPC insured. Advisory products and services are offered through Stash Investments LLC, an SEC registered investment adviser. Cryptocurrency is a highly volatile investment; please ensure that you fully understand the risks involved before trading crypto. Visit If you are a resident of New York State, your ability to purchase one or more digital coins may be limited by Apex Crypto. Nothing in this material should be construed as a recommendation to buy or sell a particular digital asset. Apex Crypto charges customers a fee on each cryptocurrency transaction based on their subscription plan with Stash, a portion of which Stash receives as revenue.

5 This Program is subject to terms and conditions. In order to participate, a user must comply with all eligibility requirements and make a qualifying purchase with their Stock-Back® Card. All funds used for this Program will be taken from your Stash Banking account.

6 For a complete list of fees please see the Deposit Account Agreement for details.

Crypto is relatively new and can be volatile. Investments are Delaware Statutory Trusts and offer indirect exposure to Crypto.
Ancillary fees charged by Stash and/or its custodian are not included in the subscription fee.
*Offer is subject to T&Cs


















































I get it, I was there too. Let me help walk you through the process of getting started investing in the stock market and putting your portfolio in the best position to succeed! 👇



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