All About Instant Transfers
What are instant transfers?
Transferring money within Stash generally is effective immediately but could take up to a few minutes; however, transferring to an external bank account can take 1-3 business days. Instant transfers allow you to transfer money to an external bank from your Stash banking account instantly for a 1% fee. (Note: It can take up to 10 minutes for your money to appear in your external account.)
You may not see instant transfers as an option if you haven’t linked an eligible external bank account.
Why do standard transfers take longer than instant transfers?
Standard transfers are processed by ACH (Automated Clearing House). These transfers are available at no additional fee, but may take 1–3 days to reach your external bank. Instant transfers are processed through a different network that allows for faster transfers, typically within 10 minutes.
How much do instant transfers to an external bank cost?
Instant transfers to an external bank cost 1% of the total amount transferred. The 1% will be deducted from the amount you enter. For example, if you enter $100, $99 will be transferred to your external bank and $1 will be charged as a fee by Stash.
Why was my instant transfer amount less than I expected?
Keep in mind, we do charge a 1% fee to process an instant transfer. If your transfer amount is 1% less, that is probably why.
If the transfer amount you received is less than the amount you transferred by an amount other than 1%, please contact us immediately at (800) 205-5164 from 8:00 a.m.-8:00 p.m. ET Monday-Friday, and from 10:00 a.m.-6:30 p.m. ET Saturday and Sunday.
Why did I get an error when I tried to instantly transfer funds to an external debit card?
You may get an error if there is an issue with your linked card. Your card may no longer be eligible if it’s expired, does not have enough funds on it, or if it’s been flagged for identity verification issues.
DISCLOSURES
Stash Banking services provided by Stride Bank, N.A., Member FDIC.
Related questions View all Bank Linking
-
Q. Managing Your Stock-Back® Debit Card
Stash makes managing your Stock-Back® Debit Mastercard® easy. You can order a new card, activate your card, How can I order a new card? You can easily order a replacement Stock-Back® Card1 24/7 right from your Stash account.…
-
Q. Securities Lending
Securities lending is a kind of investment activity that allows whole-share owners of securities to earn extra income by loaning out their shares. Partial share owners are not eligible for securities lending. The owner of the whole-share (the lender) loans their securities to a financial institution,…
-
Q. Linking your External Bank Account with Micro-deposits
Looking for an easy way to transfer money on and off of Stash? Link your external bank account to your Stash account! There are two ways to link your external bank account to Stash: Login to your external bank account from the Stash website [learn more here] Request micro-deposits into your external bank account [keep reading below for more info] Micro-deposits are two small amounts (usually less than $0.50) that Stash deposits into your external bank account.…
Didn’t find your question?
Tell us what you’re looking for, and we’ll search for resources that could help.
Ask your question