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 hundreds 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.

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☑️ Quick Summary ☑️

- Get started investing with as little as $5  
- Invest in hundreds of single stocks and ETFs
- Easy-to-understand terminology for new investors
- Can invest in fractional shares of stocks
- Versatile app offering an investing account, banking account2, retirement account3, custodial account4, and many other features depending on the plan that you select.

 🔮 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, including real-estate, bonds, 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 VISA debit card2, and even have the option to open an additional retirement account3 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 288 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 rather than investing in individual stocks.

The great thing about Stash is that not only do they currently offer 288 single stocks and ETFs, but they have continued to add more ETFs and individual stocks over time.

It's important to note that all of the investment funds on Stash are actually 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.


Account Minimum

The minimum amount required to open an account and start investing on Stash is just $5. In comparison, many traditional investment brokerages may require you to invest hundreds of dollars just to get started investing in individual stocks.

Essentially, on Stash, you can start with as little as $5 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.



Fractional Shares

Unlike other popular investing apps, such as the Robinhood app, Stash 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 most 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. (Yes, that's 1 cent).  

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-Ups 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 debit card associated with your linked bank account, Stash will round-up your purchases to the nearest dollar.

Each time those round-up totals reach $5 or more, Stash will transfer that spare change from your external bank account to the cash balance of your Stash invest personal portfolio. Like Set Schedule, you can pause and resume this feature at any time.

Smart Stash

Smart-Stash is a feature that analyzes & studies your spending and earning patterns to intelligently save small amounts of money for you—only on days when you have the cash to spare.

You can set a max transfer amount and just like Set Schedule and Round-Ups, you can also 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 portfolio3 - their tax-advantaged Roth and Traditional IRAs (Individual Retirement Accounts), allow you to start saving for retirement with as little as $5.
  • Custodial portfolio4 - 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 checking account with no hidden fees5. Not only is access to the Stash banking account included in all plan tiers (more on that below), but it also has no monthly maintenance fees and no minimum balance fee5
    • The Stash banking account also includes a Stash VISA debit card2. When you spend with it, you can earn Stock-Back® rewards.1 


Stash Stock-Back Rewards

Speaking of the Stash debit card, with Stash you have the ability to obtain rewards from your everyday purchases with the Stash debit 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 debit card, you will earn a piece of stock at Starbucks. If your purchase does not match to a stock on the platform, then you earn a fractional share of an ETF on the platform.7 
  • 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.


Pricing and Fees

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

  • Stash Growth   
    • $3 per month6
    • Personal investment account
    • Retirement account
    • Bank account access  
  • Stash+   
    • $9 per month6 
    • Personal investment account
    • Retirement account
    • Bank account access
    • Custodial accounts 


Is Investing On Stash Safe?

As a member of SIPC (Securities Investor Protection Corporation), your Stash account is SIPC insured against brokerage failure. Securities in member's accounts are protected up to $500,000, including up to $250,000 in cash. For further details, please see

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 account. Your Stash banking account is insured to the regulatory limits by the Federal Deposit Insurance Corporation (FDIC).8



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 trading commissions.6 Just a set monthly fee which can be as low as $3 per month.6
  • 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 account, a debit 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 hundreds 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 have access to investing in thousands of 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® rewards from your everyday purchases. 

Plus, if you live an on-the-go lifestyle, the banking account 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.

Investment advisory services offered by Stash Investments LLC, an SEC-registered investment adviser. This material has been distributed for informational and educational purposes only, and is not intended as investment, legal, accounting, or tax advice. Investing involves risk.

Stash Stock-Back® is not sponsored or endorsed by Green Dot Bank, Green Dot Corporation, Visa U.S.A., or any of their respective affiliates, and none of the foregoing has any responsibility to fulfill any stock rewards earned through this program.

Debit Account Services provided by and Stash Visa Debit Card issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.  Investment products and services provided by Stash Investments LLC, not Green Dot Bank, and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value.  In order for a user to be eligible for a Stash debit account, they must also have opened a taxable brokerage account on Stash. Account opening of the debit account is subject to Green Dot Bank approval.

Stash does not monitor whether a customer is eligible for a particular type of IRA, or a tax deduction, or if a reduced contribution limit applies to a customer. These are based on a customer’s individual circumstances. You should consult with a tax advisor.

4 The adult (or Custodian) who opens the account can manage the money and investments until the minor reaches the “age of majority.” That age is usually 18 or 21, depending on the Custodian’s state. The money in a custodial account is the property of the minor. Money in a custodial account can be used by the parent or legal guardian, but only to do things that benefit the child.

Other fees apply to the debit account. Please see Deposit Account Agreement for details.

You’ll also bear the standard fees and expenses reflected in the pricing of the ETFs in your account, plus fees for various ancillary services charged by Stash and the custodian.

This material is not intended as investment advice and is not meant to suggest that any securities are suitable investments for any particular investor. Investment advice is only provided to Stash customers. All investments are subject to risk and may lose value.

8 Debit Account Services provided by Green Dot Bank and Stash Visa Debit card issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.  Your debit account is insured to the regulatory limits by the Federal Deposit Insurance Corporation (FDIC). is a paid Affiliate/partner of Morning Brew, Inc. Morning Brew, Inc. is not affiliated, associated, endorsed by, or in any way officially connected with Stash Investments LLC.



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