So you’ve narrowed your investing app choices down to Cash App and Stash but can’t decide which one to use?

Lucky for you, you came to the right place!

Investing app reviews and comparisons are what I do for a living, and these two apps are two of my favorites!

So let’s go over what each one has to offer and find the right investing app for you.

Which Investment App Is Best, Cash App Or Stash?

Cash App

Services 75%
Simplicity 100%
Sign-ups 80%
Stock Research 75%
Store Rating 85%


Services 85%
Simplicity 95%
Sign-ups 90%
Stock Research 85%
Store Rating 80%
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Stash is definitely a better investing app than Cash App is, unless you need the money transfer services of Cash App, or if you have something against paying a $1 monthly fee for Stash.

Stash has more features, better stock research tools, a better sign-up program, and is more geared towards offering a great investing experience.

Cash App is slightly easier to use because it’s a VERY simple app, BUT that simplicity comes at the cost of investing features and services.

Cash App and Stash Services

Cash App Services 75%
Stash Services 85%

The rankings in this category are determined by the features that each investing app has to offer, if the app feels useful, and the overall service the app provides.

So this takes into account things like service interruptions and also takes into account any monthly fees an app has.

Here’s a pretty table that shows the features of both Cash App and Stash:

Cash App FeaturesFree AccountPremium AccountStash FeaturesFree AccountPremium Account
Monthly Fee$0N/AMonthly FeeN/A$1, $3, or $9
Minimum Balance$0N/AMinimum BalanceN/A$0
Instant Depositsinvestment app feature yesN/AInstant DepositsN/Ainvesting apps feature no
Automatic Depositsinvesting apps feature noN/AAutomatic DepositsN/Ainvestment app feature yes
Stocksinvestment app feature yesN/AStocksN/Ainvestment app feature yes
ETFsinvestment app feature yesN/AETFsN/Ainvestment app feature yes
Optionsinvesting apps feature noN/AOptionsN/Ainvesting apps feature no
Cryptocurrencyinvestment app feature yesN/ACryptocurrencyN/Ainvesting apps feature no
Fractional Sharesinvestment app feature yesN/AFractional SharesN/Ainvestment app feature yes
DRIP/FRIPinvesting apps feature noN/ADRIP/FRIPN/Ainvestment app feature yes
Bondsinvesting apps feature noN/ABondsN/Ainvesting apps feature no
Mutual Fundsinvesting apps feature noN/AMutual FundsN/Ainvesting apps feature no
Paper Tradinginvesting apps feature noN/APaper TradingN/Ainvesting apps feature no
Margin Accountsinvesting apps feature noN/AMargin AccountsN/Ainvesting apps feature no
Retirement Accountsinvesting apps feature noN/ARetirement AccountsN/Ainvestment app feature yes
Banking Servicesinvestment app feature yesN/ABanking ServicesN/Ainvestment app feature yes
Human Advisorsinvesting apps feature noN/AHuman AdvisorsN/Ainvesting apps feature no
Robo Advisorsinvesting apps feature noN/ARobo AdvisorsN/Ainvesting apps feature no
Stock Screenersinvesting apps feature noN/AStock ScreenersN/Ainvesting apps feature no
Level 2 Market Datainvesting apps feature noN/ALevel 2 Market DataN/Ainvesting apps feature no
OtherMoney TransfersN/AOtherN/ARound-ups

Cash App vs Stash: Which app has the best service?

Both of these investing apps are wonderful apps so it’s hard to pick a favorite in this category, BUT each one has a slight advantage over the other for certain users.

If you have been wanting to find a money transfer app, or don’t want to worry about a monthly fee, then Cash App is a better choice for you. If you don’t need the money transfer service and don’t mind paying $1 per month, OR if you are interested in passive investing, then go with Stash.

Both investment apps offer fractional shares, but only Stash offers a Dividend Re-Investment Plan, which helps streamline the long-term investment process.

Cash App vs Stash: Simplicity

Cash App Simplicity 100%
Stash Simplicity 95%

You don’t want to get confused when you’re trying to invest, so a simple and intuitive interface is a wonderful feature for an investing app to have.

In this section we’ll cover why we scored Cash App and the Stash investing app the way we did, that way you can see for yourself which one is more simple and easy to use.

How easy is Cash App to use?

cashapp investing app

As far as simplicity goes, the only app that can compete with Cash App is a passive investing app and robo-advisor named Acorns.

As you can see in the picture above, Cash App is ridiculously simple, and you won’t have any problems figuring out how to use it.

Cash App even includes a simplified guide about investing, which explains some fundamental concepts in a way that anyone can understand.

It’s really refreshing seeing an investing app that’s nice and simple and Cash App really shines in this category.

How easy is Stash to use?

stash investing app

Cash App may technically be a little easier to use than Stash is, but don’t just automatically assume that Stash isn’t for you just because it scores a little lower in simplicity.

Stash can be turned into a passive investment vehicle by choosing from their list of Exchange Traded Funds (ETFs) and utilizing their Auto-Stash service, which allows you to deposit and invest automatically on a schedule.

ETFs are pretty much the best way to invest if you don’t want to put much thought into your investing because they allow you to easily diversify your investments without having to hand-pick the different stocks yourself.

This allows you to simply dollar-cost average your investments without having to put a massive amount of time trying to keep your portfolio balanced or trying to calculate which individual stocks need to get bought and sold constantly.

If you want to know more about ETFs, check out this article about them to get a more detailed explanation.

Stash recently added more trading windows for it’s auto-stash feature, which allows you to invest more frequently. Having very few trading windows, like M1 Finance, can be a little annoying, so this is a very welcome addition and sets Stash apart from some of the other investment apps.

So which investing app is more simple, CashApp or Stash?

Well that’s a simple question, teeheehee (yay puns!).

Cash App is one of the simplest investing apps around so it wins in this category, but only slightly.

Stash is still extremely easy to use and you won’t have any trouble figuring out how to use either one.

CashApp and Stash: Sign-up and referral rewards

CashApp Sign-up and referrals 80%
Stash Sign-up and referrals 90%

Everyone loves getting extra money, right?

I know I do.

As a matter of fact, I probably never would have gotten involved with investing or even making my own websites if it wasn’t for the allure of getting a free share of a stock from Robinhood.

I simply didn’t know this stuff interested me, and I saw an ad and thought “eh why not, I’ll see what this is about…”

Now here we are!

Cashapp sign up and referral rewards

cashapp referrals

As you can see, Cash App sign-up bonuses and referrals aren’t going to make you filthy rich, but more money is always nice, especially when you’re hurting for cash.

Cash App doesn’t require a whole lot to be eligible for their sign-up or referral bonus. All you have to do to be eligible is be a new user and send someone $5 within 14 days of joining.

Luckily, your contact list will show who’s using Cash App so you can just send the $5 to one of your friends and have them send it back to you.

You can also receive a bonus $5 every time a new user signs up with your referral link, as long as they send $5 to someone within 14 days, so you can make a little money fairly easily if you get your friends to sign up, especially since they can send YOU the $5 when joining instead of having to find someone else they trust.

Stash sign up and referral rewards

stash investing app referral bonus

Stash has a pretty generous sign-up and referral program where they will pay you and the person who referred you $20 if you sign up and deposit $5 into your account.

Turning $5 into $25 is a REALLY good deal, and receiving $20 to refer someone who only has to deposit $5 is also a really good deal, BUT Stash limits the amount of money you can earn from referrals to $500 per year.

Most people won’t refer that many people in a year, so I wouldn’t worry too much about that limit, BUT if you’re an affiliate marketer (like me) then it’s a pretty big drawback.

On top of their normal referral rewards, Stash will occasionally run additional promotions for referring multiple users in a month, sometimes paying upwards of $200 for referring  a few people! (last time you only had to refer 2 users)

Unfortunately, Stash doesn’t have any of their amazing promotions running right now so you’ll have to get by with the regular $20 reward.

Cash App Vs Stash: Sign-up and Referral Rewards Recap

As they say “Cash is king”, but in this case they aren’t referring to Cash App.

Sending $5 to receive $5 isn’t a bad deal, but depositing $5 to receive $20 is a pretty big difference.

Stash has a much better sign-up and referral bonus program for the typical user and despite the $500 a year limit, Stash simply beats Cash App by paying out 4x the cash.


Cash App Versus Stash: Stock Research Tools

Cash App Stock Research 75%
Robinhood Stock Research 85%

CashApp research tools

Cash App’s stock research tools could definitely use some improvement, but they work.

The app was designed to be very simple so Cash App doesn’t offer you powerful technical analysis tools, but their tools do just about as much as any of the other apps. (besides Webull, which has a ton of tools).

Realistically, if you’re wanting to get involved with day-trading then Cash App probably isn’t a good fit for you, because day-trading is a completely different beast than long-term investing, and frankly, if you don’t know the difference then you NEED to go do some more research about it.

Here’s a really good guide about the differences between day-trading and investing you should check out to learn more about that.

Stash stock research tools

stash investing app research tools

As you can see, Stash doesn’t have the most powerful technical analysis tools to ever exist either…

But that’s okay. 

Mediocre tools are common in the mobile Fintech industry, where developers usually choose to make investment apps simple to use so they don’t overwhelm investors.

If you let the Stash Auto-invest feature do the work for you, then you won’t even need to worry too much about tools.

If powerful tools are important to you, then you may want to consider checking out Webull, OR using investing platforms that are more tailored to day-traders like TD Ameritrade’s Thinkorswim platform.

Which investing app has the best tools, Cash App or Stash?

Honestly, neither one of these apps have very good research tools, BUT since the tools on mobile apps aren’t commonly very great, nor are they very important for long-term investors in general, it doesn’t feel right to severely penalize their ranking for something that isn’t going to make or break you.

Stash has better research tools, but they could still use some work.

If you want to do better research and find these tools to be sub-par, check out Marketwatch, which is a 3rd party service that specializes in market data and analysis, rather than being made to provide an easy way to get involved with investing, like most mobile investing apps are.

Which Investing App Did You Prefer? Cash App or Stash?

In order to provide better reviews, we’re interested in what you think about these apps, and which one you picked, if any.

If neither of these apps seem like the right fit, take a look at our homepage where we have a list of the different investing apps we have reviewed so far.

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