Ask Stash

How long does it take for money to transfer in, out and within Stash?

Our mission is to make investing your money as simple as possible. Part of that is facilitating safe, secure, and speedy transfers. While we make each transfer as quickly as possible, not every transfer has the same processing speed. We’ll go over the time frame for our transfers below. You can always check your transaction activity in app or online for the latest status on your recent transfers.

Here’s how to view transaction activity in the app. 

  • Open Stash
  • For Invest transaction activity:
    • From Home, tap Invest
    • Tap the portfolio you’d like to view
    • Scroll down to see Recent activity 
  • For Bank transaction activity:
    • From Home, tap Bank
    • Scroll down to see Recent activity

Here’s how to view transaction activity online. 

  • Log in to stash.com
  • For Invest transaction activity:
    • From Home, select your name in the upper right corner
    • Select Portfolio activity
    • Select the portfolio you’d like to view 
  • For Bank transaction activity:
    • From Home, select Bank on the navigation bar
    • Scroll down to find recent transaction activity

Transfers into Invest from an external bank
When you transfer money from your external bank account to your Invest portfolio(s), the amount transferred is immediately shown as ‘pending’ in your Invest portfolio activity. If you made the transfer during business hours¹, you’ll see a credit for the amount in your portfolio cash instantly¹. However, it can take up to 3 business days for the transfer to be ‘complete’ and for the money to move out of your external bank account.

Transfers into Bank² from an external bank
It can take up to 5 business days for money to move out of your external bank account into your Stash banking account. The amount transferred is immediately shown as ‘pending’ in your Stash banking account transactions. When completed, the status of the transaction changes from ‘pending’ to ‘complete’ and the amount is added to your Stash banking account’s available cash.

Transfers out of Stash to a linked external bank
Barring any transfer limitations, your money is removed almost immediately from a Stash banking account or Invest portfolio when transferred to an external bank account if you have enough funds available to transfer. However, it may take funds up to 3 business days to appear in that external account. The exact length of time depends on how quickly your bank processes ACH transfers. Transfers out of Smart portfolios may take additional time, if sales are required. In general, transfers out of Smart portfolios may take up to 5 business days, or more, depending on your account activity.

Transfers within Stash between Invest and Bank
Transfers within Stash between your Stash banking account and personal portfolio are instant, so you can get immediate access to your money if you move it to your Stash banking account instead of your external bank account. Transfers out of Smart portfolios may take additional time, if sales are required. In general, transfers out of Smart portfolios may take up to 5 business days, or more, depending on your account activity.

Cash deposit
You can add cash to your Stash banking account within 30 minutes using retailers like CVS Pharmacy®, Walgreens, Rite Aid, and Walmart. Simply approach the register with cash and your Stash Stock-Back card (your debit card) and ask for the money to be placed on your account. Please note that the retailer may charge a fee up to $4.95.  

Selling investments, including single stocks and ETFs
Due to an SEC-mandated waiting period, money from selling investments will be available for use 2 business days after the sale has been initiated. For more information on selling investments, check out this article.

Please note: Bank transfers from your external bank are completed through ACH, which can only occur on business days, excluding federal and market holidays.

 


DISCLOSURES

Smart Portfolio – This type of account is a Discretionary Managed Account. This is an individual taxable brokerage account that Stash has full authority to manage according to a specific investment mandate. 

 

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