How to Cancel Stash Investing in 2026 (Withdraw Money + Close Account)

Updated 2026-02-22 · 6 min read

Stash Pricing Tiers

• Stash Beginner ($3/month): Taxable brokerage account, fractional shares, Stock-Back card
• Stash Growth ($6/month): Everything above + Roth IRA or Traditional IRA
• Stash+ ($9/month): Everything above + custodial accounts for kids, 2x Stock-Back

For context: Fidelity offers taxable accounts, IRAs, custodial accounts, fractional shares, and auto-invest — all for $0. Stash is literally charging you monthly for what every major brokerage gives away free.

How to Cancel Stash (Step by Step)

Step 1: Sell Your Investments

1. Open the Stash app
2. Go to each investment and tap "Sell"
3. Sell all positions (this converts to cash in your Stash account)
4. Wait 2-3 business days for trades to settle

Step 2: Withdraw Your Cash

1. Once trades settle, go to Transfer
2. Transfer all cash to your linked bank account
3. Wait 2-5 business days for the transfer to complete
4. Also check your Stash banking account (if you have one) and transfer that balance

Step 3: Close the Account

1. Once your balance is $0 across all accounts
2. Go to Settings → Account
3. Tap "Close account" or contact support
4. Email support@stash.com if the in-app option isn't available

The Better Option: ACAT Transfer (No Tax Hit)

Instead of selling everything and paying taxes, transfer your investments directly to a free brokerage:

1. Open a free account at Fidelity, Schwab, or M1 Finance
2. Initiate an ACAT transfer FROM the new brokerage (they handle the paperwork)
3. Your stocks transfer directly — no selling, no tax event
4. Stash may charge a $75 ACAT transfer fee — but Fidelity and Schwab often reimburse it
5. Once the transfer completes, cancel your Stash subscription

The Real Cost of Stash

Stash's fees are devastating for small portfolios:

• $500 portfolio: $36/year fee = 7.2% annual cost (your investments need to return 7.2% just to break even)
• $1,000 portfolio: $36/year = 3.6% annual cost
• $5,000 portfolio: $36/year = 0.72% annual cost (still more than Vanguard's 0.03% index fund)
• $10,000 portfolio: $36/year = 0.36% (starting to be comparable to other platforms, but still free at Fidelity)

Stash only makes economic sense if your portfolio is over $50,000 — and at that level, you should be at a real brokerage anyway.

Free Alternatives to Stash

• Fidelity: $0 fees, fractional shares, IRAs, custodial accounts, auto-invest, excellent app. The clear winner.
• Schwab: $0 fees, great customer service, physical branches for in-person help, Intelligent Portfolios (robo-advisor) free over $5K.
• M1 Finance: $0 fees, "pie" investing (visual portfolio building), auto-rebalancing. Best for people who liked Stash's themed investing approach.
• Vanguard: $0 fees for ETFs, the original low-cost investing pioneer. Less flashy app but lowest-cost index funds on the planet.