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Acorns vs Stash

Acorns is an investment app that automatically invests your spare change. Good for young investors to get into the habit. How does it compare to Stash? Read our comparison chart below.

Acorns is geared towards young investors who have trouble saving. This investment app automatically rounds up and invests your spare change whenever you make a purchase. The service fee starts at $3/month for accounts. There is no minimum to open.

While Stash simplifies investing for novices. This app is not a robo-advisor and will not manage investments for you. Instead, it guides beginners to select investments aligned with their goals and risk level. There is no minimum balance to start investing.

Compare Acorns with Stash, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 Acorns
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Acorns

Stash

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Benefits and Features

Savings
No
 
Stock TradingPart of service fee. No add-on trading fees.
$0
Options Trading
No
No
Annual Fee
  • Acorns Bronze ($3/mo) - includes personal taxable account, IRA, and checking account
  • Acorns Silver ($6/mo) - includes everything in Bronze, emergency fund, 25% match on rewards, and 1% IRA match on Acorns Later contributions
  • Acorns Gold ($12/mo) - includes everything in Silver, investment accounts for kids, 50% match on rewards, custom portfolio, Trust & Will, $10K Life Insurance, free Acorns Early account, and 3% IRA match on Acorns Later contributions
  • STASH Growth ($3/mo)
  • STASH+ ($9/mo)
Cryptocurrency Trading
No
 
Minimum Deposit
$0
$1
Checking
Yes
 
Mutual Fund Trading
No
 
Commission Free ETFsA selection automatically chosen by Acorns 
Phone Support
Yes
Yes - normal business hours, plus Sat & Sun 11a-5p ET
Live Chat Support
No
No
Email Support
Yes
Yes
Human Advisors
No
No
Robo Advisor
Yes
Yes
Assets Under Management
$4.7 Billion
$3 Billion
Tax Loss Harvesting
No
No
Goal Tracker
Yes
Yes
Automatic Deposits
Yes
Yes
Broker Assisted TradesAcorns automatically invest and trade for you 
Good ForBeginners; Passive investors; Those who have trouble saving/investing on their own 
Inactivity FeeNone, but you will keep paying the monthly fee 
Maintenance Fee
Monthly fee for the service
 
Online Platform
Yes
Yes
iPhone App
Yes (4.7 stars, 760k ratings)
Yes
Android App
Yes (4.3 stars, 156k ratings)
Yes
BankingIncluded in Acorns Bronze ($3/mo). Free metal debit card, no minimum balance, no overdraft fees, and 55,000+ fee-free ATMs nationwide.All users get a cash account with a debit card. No minimum balance, no overdraft fees, and free ATM access at 55,000+ ATMS.
Mobile App
iOS & Android
iOS & Android
Two-Factor Authentication
Yes
 
Locations
No
 
Online Community
No
 
Seminars
No
 
Trading Platform 
Web Trading, Mobile Apps
Virtual Trading
No
 
Fractional Shares
Yes
Yes
Taxable Accounts
Yes
Yes
401k Plans
No
No
IRA Accounts
Yes
Yes
Roth IRA Accounts
Yes
Yes
SEP IRA Accounts
Yes
No
Trust Accounts
No
No
529 Plans
No
No
 

CreditDonkey® Reviews

 Acorns
Annual FeeStarStarStarEmpty StarEmpty StarStarStarStarHalf StarEmpty Star
Minimum DepositStarStarStarStarStarStarStarStarStarStar
Mobile AppStarStarStarStarHalf Star
Customer ServiceStarStarStarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
Ease of UseStarStarStarStarStar
Pros & ConsPros:
  • No minimum to open account
  • Invest with spare change
  • Cash-back program
Cons:
  • Fees are high for small balances
  • No tax benefits
  • Limited investment options
Pros:
  • Guidance for beginners
  • Automatically save and invest through round-ups and recurring transfers
Cons:
  • Fees are high for small balances
  • High ETF expense ratio
  • Limited research
Bottom LineInvestment app that automatically invests your spare change. Good for young investors to get into the habit... Read full reviewGood investment app to guide beginners to invest in stocks... Read full review
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Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

Acorns: Pricing information from published website as of 11/29/2024.

Stash: Pricing information from published website as of 08/14/2019

Acorns

$20 Investment Bonus

  • Open an Acorns account (new users only)
  • Set up the Recurring Investments feature
  • Have your first investment be made successfully via the Recurring Investments feature

Which is Better: Acorns or Stash?

Still need help deciding which investing is better? Read the in-depth reviews below. You may also be interested in comparing Acorns or Robinhood.


Articles on Acorns

Acorns Review

Acorns automatically invests your spare change. But can it help make you money? Find out if this app is safe and legit.

Apps Like Acorns

Acorns is one of the best micro-investing apps out there. But is it for everyone? Read on to see some of your alternatives.

Is Acorns Safe

Acorns lets you invest spare change from every purchase. But is it safe to use? Learn just how secure the micro-investing app is.

How to Make Money Using Acorns

Acorns "rounds up" everyday purchases and invests it for you. What's the catch? Read this review to find out how to make money using the app.

Articles on Stash

Stash

Can Stash help make you money? Find out if the investing app is legit and how it compares to apps like Acorns and Robinhood.

Comments

Comments may be filtered for language. CreditDonkey makes no guarantee of comments' factual accuracy. These responses are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Visitors may report inappropriate content by clicking the Contact Us link.


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