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T+1 FAQs

To align with the rest of the financial services industry, we are making changes to the timing of when trades will settle that will go into effect on May 28, 2024. This will mean that trades will start settling in one day instead of two. Below are some additional answers to questions you may have about what this change means for you.

What is T + 1 and how will it affect Stash Customers?

T + 1 means that it will take one day for a trade to settle, instead of two. This is a timeline that is set across the financial securities industry impacting transactions that are currently covered by T + 2 settlement. This includes stocks & exchange-traded funds.

When will T + 1 go into effect?

T + 1 will go into effect Tuesday, May 28th, 2024

When will the last T + 2 trade occur?

The last trade with T + 2 settlement will be Friday, May 24th, 2024

How will this benefit the industry?

Main benefits include reducing risk, improving liquidity & market stability, and Increasing operational efficiency

How does this benefit me if I’m a customer of Stash?

You will now receive funds from sales of securities in your Stash account one business day earlier.

If I’m a customer of Stash, do I need to do anything?

You don’t have to do anything at all. We have taken necessary steps to process transactions on the adjusted T + 1 settlement cycle come Tuesday, May 28th.

If you’re still unsure of what this change will mean for you, 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

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