Trusted by millions of Americans

Stash is a registered investment adviser with the US Securities and Exchange Commission (SEC). While such registration does not imply a certain level of skill, it does require us to follow federal regulations that protect you, the investor. By law, we have a duty to provide investment advice that is in the best interest of our clients.

No matter what, your investments are always your investments. All Stash accounts are held by our trusted partner and custodian Apex Clearing, a registered broker-dealer regulated by FINRA.

Apex Clearing is a member of SIPC. This means securities in your account are protected up to $500,000 (including $250,000 for claims for cash*). For details, please see

*To note, SIPC coverage does not insure against the potential loss of market value.

Protecting you is our top priority



Stash employs 256-bit encryption to protect all your information, from personal data to transaction history. We also use Secure Sockets Layer (SSL) to help ensure all information on our platform is safe.

Access Control

Access control

Stash accounts require a unique user ID, password, and PIN. You also have the option to use biometric recognition for account access. Additionally, session end-timers and log-in thresholds protect against unauthorized access.



Stash software, hardware, and IT infrastructure are kept secure with multiple levels of defense. We constantly monitor the latest technologies to keep our systems up-to-date with industry standards.

Frequently asked questions

View all security FAQs

Is it safe to link my bank account to Stash?

Stash follows the highest standards for data protection employed by financial firms and the financial services industry worldwide.

That includes using something called 256-bit encryption to secure your information, including personal data and fund purchase history. Stash further secures your account with Secure Socket Layer (SSL) technology, which ensures any information sent between the Stash App and its servers is protected.

What about Stash having access to my bank account?

Stash will never withdraw funds from your checking or savings account without your consent. In order to purchase any of the investments offered through Stash, you need to link a bank account to transfer funds and to make your desired fund purchase.

If you have more questions about whether it’s safe to link your bank account to Stash, send us an email. You can also read more about Stash’s security protocols here.

Is my personal information secure?

Stash employs 256-bit bank-grade encryption to secure all your information, from personal info to purchase history and more. Stash uses Secure Sockets Layer (SSL) to ensure any information sent between the Stash app and our servers is protected.

Is Stash regulated?

Yes, Stash is a Registered Investment Adviser. All Registered Investment Advisers (RIAs) are regulated by the Securities and Exchange Commission (SEC).

Is my money safe?

When you use Stash, your information is encrypted and stored on secure servers, and your funds and securities are held with your security in mind.

Your current investments are covered up to a maximum of $500,000 total, including $250,000 in cash balances through the Securities Investors Protection Corporation (SIPC). But SIPC coverage does not insure against the potential loss of market value. For uninvested funds, your Stash account is enrolled in something called the Apex FDIC-insured Sweep Program. And here are the details:

Stash accounts are enrolled in an interest-bearing Federal Deposit Insurance Corporation (FDIC) insured Sweep Program (“Sweep Program”) offered through our clearing firm, Apex Clearing Corp. Uninvested Cash in your Stash account will automatically be transferred into the Sweep Program and will earn interest based on the amount and duration of deposits and applicable interest rates. Deposits to the Sweep Program are covered by FDIC insurance up to the $250,000 limit per customer at each FDIC-insured bank that participates in the Sweep Program.

Once your cash balances are deposited with the participating banks under the Sweep Program, they will no longer be covered by SIPC.

Please ensure that you read the Terms and Conditions of the Sweep Program carefully. As with all investments, you should consider carefully if the Sweep Program meets your investment objectives.

Why does Stash need my social security number?

The Patriot Act requires all financial institutions to obtain, verify, and record information that identifies each person opening an account. We also require your Social Security number to issue you a tax reporting form at the end of the year. Your Social Security number is only used to verify your identity. Stash does not perform a credit check.

Have a security question or issue?

Please reach out to our support team.

Contact us