Top questions

• Q. What am I investing in on Stash?

  With Stash, the thousands of investment choices fall into  buckets. The first bucket is stocks, which are little pieces of ownership in a single company. The second is Exchange Traded Funds (ETFs), which are baskets of investments traded on stock exchanges. …

• Q. What retirement accounts does Stash offer?

  Stash offers two types of retirement accounts (also known as IRAs): a Roth IRA or a Traditional IRA. When you sign up for Stash+, we’ll help you pick the account that’s right for you.  By adding a little money to your retirement account consistently over time,…

• Q. What makes Stash different?

  Stash stands out from the crowd in a few ways. Here’s how: Stash tailors investments to your interests and beliefs With us, you choose investments from a curated set of options that have been picked by our team and suggested to you based on the answers to questions we ask when you sign up.…

• Q. What Are Stash’s Trading Windows?

  Stash uses four trading windows because our platform is not intended to be used for day trading, but rather for long-term investing. By investing small amounts in a diversified portfolio over a long period of time, you can minimize your risk and save for your future.…

• Q. How do I cancel my Stash plan?

  We’ll be sorry to see you go! 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.…

• Q. How is my money on Stash protected?

  No matter what, your investments are always yours. All Stash accounts are held by our trusted partner and custodian Apex Clearing, a registered broker-dealer regulated by FINRA. At Apex, your investments are protected up to a maximum of $500,000 total, including $250,000 in cash balances through the Securities Investor Protection Corporation (SIPC).…

• Q. How do I change my risk level on Stash?

  Our risk assessment tool works to help you invest your money in a way that’s customized for your situation. Right now it’s not currently possible to override your risk level.  What happens if my job or income changes? Things change. We get it.…

• Q. What do I need to start using Stash?

  You only need a few things to get started with Stash:  Four dollars ($4) – $3 for your monthly subscription fee and at least $1 to put in your Personal investment account.  A bank account with a U.S. bank A Social Security number U.S.…

• Q. Why does Stash need my Social Security Number?

  Stash takes safeguarding your personal information very seriously—we use it only for identification purposes, and we never perform credit checks.  As a financial service institution, we’re required by law to obtain, verify, and record identification information. In addition, your social security number is needed to prepare an annual tax reporting form for you.…

• Q. How do I change my address?

  Moving can be a hassle. We get it. You can update your address at any time right from the Stash app. **IMPORTANT NOTE: YOU MUST UPDATE BOTH YOUR BANKING ADDRESS AND YOUR INVEST ADDRESS SEPARATELY. UPDATING JUST ONE OF THESE ADDRESSES WILL NOT UPDATE THE OTHER ADDRESS.**…

• Q. What happens to my shares if a stock splits?

  If a stock you own splits, don’t worry! This is nothing to worry about. Imagine that you have a $100 bill. You want to break it down, so you get change in the form of two $50 bills. You haven’t lost any money,…

• Q. What are Stash’s plan fees?

  Stash’s plans each have their own varying subscription fee based on the offerings included in each plan, and you can choose to pay monthly or yearly.  Visit our Pricing Page to see our available options.¹ We collect subscription fees once a month,…

• Q. How do I add a beneficiary to my account?

  While you cannot share an account with someone, you can designate a beneficiary on your account. This will allow them to claim ownership of the account in the event that you pass away. Both the beneficiary form for your Stash Retire and your Stash Invest account will require your account number.…

• Q. Can I use my Stock-Back card (debit card) at a gas station?

  Yes you can! Remember to select Debit when you use your Stock-Back® Card at the pump. You can also pay inside at the counter. Please note: Gas stations may hold up to $175 when you swipe your card at the pump because they do not know the final amount of the sale.…

• Q. I’m losing money in one of my investments. Should I sell and invest in something else?

  At Stash, we believe in taking the long view on your investments. We know this can be a little nerve-wracking, but an investment that is up today could lose value tomorrow. This is all a part of learning to invest. Even if you’re seeing an investment go down in value,…

• Q. How do I protect my Stash account?

  Stash accounts require a unique user ID,  password, and PIN. You also have the option of using biometric/fingerprint recognition for account access, which can help keep your account secure. We also recommend always logging out after use. We automatically log you out of the app after periods of inactivity and require you to enter your passcode to get back in.…

• Q. What happens to my money when I close my Stash account?

  If you decide to close your Stash account, a few things will happen (in this order): Your investments will be sold Once you request the closure of your account, Stash will sell any investments you may still own. It takes 2 business days for these funds to settle in your Stash account.…

• Q. How do I pick single stocks?

  When choosing a single stock to invest in, there are a few things you should keep in mind:  You can purchase any single stock available on the Stash app, regardless of your individual risk profile. If you want to purchase single stocks,…

• Q. Why is my account locked?

  There are many reasons why your Stash account may be locked. To get specific information about your situation, please give us a call at 800-205-5164 from 8:00 a.m.-8:00 p.m. ET Monday-Friday, or email us at support@stash.com so that a representative can assist you with unlocking your account. …

• Q. What is Apex?

  Apex Clearing is our custodian firm that handles services for your account. These services include custody of assets, reporting, trade confirmation, settlement, and securities delivery.  Apex Clearing is also a broker-dealer and FINRA/SIPC member. FINRA: Financial Industry Regulatory Authority SIPC: Securities Investor Protection Corporation …

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