Investing Referral Code

How Does Stash Work? Step-by-Step Guide to Claim a Free $5 Stash Referral Code Signup Bonus Too!

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Stash is a company that markets itself to new investors without a lot to invest with initially, but who wish to get started in the micro-investing arena. Monthly subscriptions start at just $3 to open a growth account, and every new member can get a Stash Banking Account¹ with no overdraft fees² when they join. When new members sign up using this link, they get a $5 sign-up bonus, with a Stash Invest referral code auto applied, as well as a Stock-Back® Card³ with  rewards for purchases when used.

Stash’s Best Features

Micro-investing platforms are often viewed as watered down versions of actual powerhouse trading platforms, but this is not the case in practice. Stash has many great features for first-time investors, some of which are quite practical. With a banking account with no overdraft fees² for all members, the service stands out from banks that typically penalize the user with a mountain of fees, some of which are impossible to avoid. Furthermore, with Stash, you can receive your paycheck up to two days earlier.It is also possible to invest in ETF and stocks without having to pay the full amount for expensive stocks like Apple, Google and Tesla, thanks to fractional shares.. What additional Stash features might be of interest to potential new investors?

ETFs and Stock Access

Facebook, Chevron and Apple are three of the many stocks and ETFs that Stash users can invest in, along with many other reputable brands. Finance, retail, healthcare, bonds, goods and services, and technology are a few examples of investment categories.

Account Types for Every Need

Investment, retirement, and custodial accounts are all available through Stash. Stocks can be traded in investment accounts, while custodial accounts allow you to invest on behalf of a minor or dependent.

$5 Signup Bonus

Stash is currently offering a $5 bonus for new users who sign up through this link and deposit at minimum $5. The Stash Invest referral code automatically gets applied, when they open a new account. You will be able to claim your $5 promotional reward by following this process.

Competitive Pricing

Stash has two pricing tiers, each with a different monthly fee. Growth, and Stash+ accounts cost $3, and $9 a month, respectively, to maintain. When comparing Growth and Stash+ accounts, it is important to note that Stash+ has access to all company offerings, whereas the Growth account does not. With every account, you get a Stash banking account¹ that can be withdrawn from many ATMs worldwide. Stash mails out a Stock-Back® card³ once the account holder has $5 or more in it, usually immediate for those who sign up with a Stash referral code. Using the mobile app, you can access and manage your account wherever you are.


Users are encouraged to automate their deposits into their Stash accounts regularly in order to take advantage of the compounding potential of small investments over time. In addition to being able to round up Stock-Back® Card purchases⁵ and save the difference in the account, Stash also allows users to set up automatic deposits of a specified amount.

How to Sign Up

New accounts can be registered online or through the mobile app. Users must create a new and unique username and password, and fill out online forms with personal information, verify identity with a Social Security Number, and link financial accounts. Approval is usually immediate, though funding of an account might take around five business days.


Stash is one of the better options for those looking into getting into micro-investing, but also have other financial needs, like the need for a Stash Banking Account¹ with no overdraft fees² and a Stock-Back® Card³. The $5 promotional bonus and Stash referral code link offer is only available for a limited time, so anyone interested in signing up should do so immediately.


What are the requirements to open a Stash account?

You must be 18 years old, have a Social Security number, have a bank account with a U.S. bank, be a citizen, hold a Green Card or have an approved Visa. To qualify for the $5 sign up bonus, you must do so with a Stash referral code.

Can I invest in crypto with Stash?

Yes. You can invest in crypto within your Personal Portfolio⁶ and in Smart-Portfolio

What investment advice is available on Stash?

FAQs and email only. No access to live investment advice or human financial advisors.


Paid non-client endorsement. See Apple App Store and Google Play reviews. View important disclosures. Offer is subject to terms and conditions.

Nothing in this material should be construed as an offer, recommendation, or solicitation to buy or sell any security. All investments are subject to risk and may lose value.

Cryptocurrency trading and execution services are provided by Apex Crypto LLC (NMLS ID 1828849) through a software license agreement between Apex Crypto LLC and Stash Financial, Inc. Apex Crypto is not a registered broker-dealer or a member of SIPC or FINRA and is licensed to engage in virtual currency business activity by the New York State Department. Cryptocurrencies are not securities and are not FDIC or SIPC insured. Advisory products and services are offered through Stash Investments LLC, an SEC registered investment adviser. Cryptocurrency is a highly volatile investment; please ensure that you fully understand the risks involved before trading crypto. Visit

¹ Stash Banking services provided by Stride Bank, N.A., Member FDIC. The Stash Stock-Back® Debit Mastercard® is issued by Stride Bank pursuant to license from Mastercard International. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Any earned stock rewards will be held in your Stash Invest account. Investment products and services provided by Stash Investments LLC and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value.

² For a complete list of fees please see the Deposit Account Agreement for details.

³ All rewards earned through use of the Stash Stock-Back® Debit Mastercard® will be fulfilled by Stash Investments LLC and are subject to Terms and Conditions. You will bear the standard fees and expenses reflected in the pricing of the investments that you earn, plus fees for various ancillary services charged by Stash. In order to earn stock in the program, the Stash Stock-Back® Debit Mastercard must be used to make a qualifying purchase. Stock rewards that are paid to participating customers via the Stash Stock Back program, are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value. What doesn’t count: Cash withdrawals, money orders, prepaid cards, and P2P payment. If you make a qualifying purchase at a merchant that is not publicly traded or otherwise available on Stash, you will receive a stock reward in an ETF or other investment of your choice from a list of companies available on Stash. See Terms and Conditions for more details.

⁴ Early access to direct deposit funds depends on when the payor sends the payment file. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

⁵ This Program is subject to terms and conditions. In order to participate, a user must comply with all eligibility requirements and make a qualifying purchase with their Stock-Back® Card. All funds used for this Program will be taken from your Stash Banking account.

⁶Your cash and securities are held in your brokerage account at Apex Clearing, and your cryptocurrencies are held in your crypto account at Apex Crypto.

Stash has full authority to manage a “Smart Portfolio,” a discretionary managed account. Crypto is relatively new and can be volatile. Investments are Delaware Statutory Trusts and offer indirect exposure to Crypto.

Stash offers access to investment and banking accounts under each subscription plan. Each type of account is subject to different regulations and limitations. Stash Monthly Subscription Wrap Fee starts at $3/month. You’ll also bear the standard fees and expenses reflected in the pricing of ETFs, plus fees for various ancillary services charged by Stash and/or the Custodian. Please see the Advisory Agreement for details. Other fees apply to the bank account. Please see the Deposit Account Agreement.

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Editorial Disclaimer: The editorial content on this page is not provided by any of the companies mentioned and has not been endorsed by any of these entities. Opinions expressed here are author's alone

The content of this website is for informational purposes only and does not represent investment advice, or an offer or solicitation to buy or sell any security, investment, or product. Investors are encouraged to do their own due diligence, and, if necessary, consult professional advising before making any investment decisions. Investing involves a high degree of risk, and financial losses may occur.

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