finops:
  description: >-
    Stash operates on a subscription-based FinOps model rather than a
    consumption-based API pricing model. Users pay a flat monthly fee for
    access to investing, banking, and portfolio management features. There
    are no per-call API fees, transaction fees for stock trades within the
    platform, or account minimums. Key financial considerations include
    subscription costs, underlying fund expense ratios for ETFs, and
    potential SEC fees on stock sales.
  url: https://www.stash.com/pricing

  subscriptionPricing:
    - plan: Stash Growth
      monthlyFee: "$3.00"
      annualEquivalent: "$36.00"
    - plan: Stash+
      monthlyFee: "$12.00"
      annualEquivalent: "$144.00"

  freeTrial:
    available: true
    duration: 7 days
    description: Both plans include a 7-day free trial before billing begins.

  tradingCosts:
    commissions: "$0.00 — commission-free stock and ETF trading"
    accountMinimum: "$0 minimum to open; $5 minimum for Smart Portfolios"
    fractionalShares: true
    notes:
      - SEC fees may apply on stock sales (regulatory requirement).
      - ETF expense ratios apply to underlying funds (not charged by Stash
        directly but embedded in fund performance).

  bankingCosts:
    monthlyFees: Included in subscription
    overdraftFees: None
    atmAccess: Green Dot Bank ATM network (fee-free access)
    stockBackRewards:
      growth: "1% in stock on debit card purchases (up to $1,000/month)"
      stashPlus: "1% in stock on debit card purchases (up to $1,000/month)"

  retirementIncentives:
    iraMatch:
      growth: None
      stashPlus: "3% match on IRA contributions"

  insuranceBenefits:
    growth: "$1,000 life insurance policy (included)"
    stashPlus: "$10,000 life insurance policy (included)"

  notes:
    - Stash does not charge per-API-call fees; all costs are subscription-based.
    - No public API pricing tier exists for external developers.
    - Enterprise or embedded finance partnerships may have custom pricing;
      contact [email protected] for inquiries.
    - Subscription plans can be upgraded, downgraded, or cancelled at any time.
    - AUM: $4.3 billion under management as of May 2025.
    - Funding: $146M Series H raised in May 2025.