How To Withdraw Money From Stash (2022) - Brokerage Reviews

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why can't i withdraw my money from stash Stash Withdrawal: Limit, Time, Fee, and How To in 2026

How to Withdraw Money from Stash Invest

If you have a Stash account and want to take some money out, you’re in the right place. Below, we’ll walk through the different ways to move a free cash balance out of Stash while keeping costs low and timing as fast as possible.

Moving Cash Out of a Stash Brokerage Account

After a taxable Stash investment account has a free cash balance, you can send the money to a linked bank account without much effort. On the top of the Stash website, there is a Transfer link. Click it to open the broker’s ACH transfer form. It’s quick to complete and usually takes only a few minutes. If you have a Stash bank account, it should already appear here automatically. You can also transfer money to an outside checking or savings account, but that account must be linked first. Stash gives you two ways to connect a bank: instant and manual. Manual linking requires routing and account numbers. Instant linking uses Plaid and asks for your bank login. The manual option can take several business days to finish, while the instant option is immediate if it works. On the day we tested this, Plaid was unavailable, so manual linking may be the only route sometimes. Also, accounts linked manually cannot receive round-ups. How to Withdraw Money From Stash Once your bank is linked, choose it as the destination in the ACH form, enter the amount, and submit the request. That’s it. How to Withdraw From Stash If you have a retirement or custodial account, you’ll need to call customer service to withdraw funds. The online transfer tool won’t work for these accounts. Also keep in mind that these account types come with legal rules, and withdrawals may create tax issues.

Moving Money Out of a Stash Bank Account

Stash also provides bank accounts with FDIC insurance through its partnership with Green Dot Bank. You can move money out of these bank accounts using the same transfer tool on the Stash website. It’s also possible to move money into a Stash bank account from a Stash investment account.

Moving Funds to Another Stash Brokerage Account

Cash can be transferred from one individual taxable Stash account to another individual taxable Stash account. Stash does not allow moving cash from a taxable account into a retirement or custodial account. To do this, return to the Transfer link on the Stash website and follow the same steps described above. In this case, the receiving account will be your second Stash brokerage account.

Timeframe

Transfers between Stash accounts are usually completed right away. ACH withdrawals to an outside bank typically take about 3 to 5 business days, and once the money arrives, the receiving bank may hold it for a few more days depending on its own availability rules. Stash robo accounts follow the same general withdrawal process, but the timing can be longer. You may have to sell securities first, and the sales must settle before cash can be withdrawn. For an automated account, total time to completion can be around 5 business days.

Instant Transfers on Stash

Stash is gradually introducing instant transfers for some users. This feature is available only on the website, not in the mobile app. It can send cash to a linked bank account immediately, although in some cases it may take up to 10 minutes. Stash charges a 1% fee for instant transfers.

Other Stash Money Withdrawal Options

The options discussed so far use the ACH network. There is another way to move money out of a Stash investment account (not a bank account): Automated Customer Account Transfers. Often called an ACAT transfer, this method can move both cash and securities from one brokerage firm to another. It does not move money between bank accounts. Another downside to ACAT is the fee. Stash charges $75 for each outgoing ACAT transfer, although the receiving brokerage may reimburse it. If you plan to use ACAT, it’s worth confirming whether the new broker will cover the cost. The third drawback is speed. ACAT transfers take at least 8 business days to complete. A cash-only transfer could take even longer. To begin an ACAT transfer, you must complete a transfer form with the receiving brokerage firm (not Stash). If you only want to move cash and keep your stocks and ETFs at Stash, make sure you request a cash-only transfer.

Stash Visa Debit Card

One convenient way to spend or withdraw cash from a Stash banking account is with the Stash Visa debit card. There is no charge to add the card to a bank account. However, the card is not available for brokerage accounts. A Stash bank account is automatically linked to an investment account, though. The Stash debit card works anywhere Visa is accepted, and spending or cash withdrawals pull from the available balance in the banking account. Stash customers can withdraw cash for free at ATMs in the Allpoint network, which has about 19,000 machines. Outside the Allpoint network, Stash charges $2.50 per ATM withdrawal, and the ATM operator may add its own fee. Checking your balance at a non-Allpoint ATM costs 50¢. Using a teller for a cash withdrawal costs $2.50. Any transaction outside the United States has a 3% fee. Even though the debit card can be expensive in certain cases, buying from many participating retailers can earn you fractional shares of stock in those companies. Used carefully, that perk may offset some costs.

Why Can’t I Withdraw Money From Stash?

Like other financial firms, Stash uses hold periods before cash can be withdrawn. Cash deposits can be held for up to 5 business days before they are available for withdrawal. Money from selling stocks or funds (including trades in robo accounts) must settle before it can be withdrawn. This is usually two business days after the sale. The cash may appear in your Stash account right away, but you can’t take it out until the settlement date. For example, if you sell Ford shares on Tuesday, the cash proceeds can be withdrawn on Thursday.

Withdrawal Limits

The Stash debit card has an ATM withdrawal limit of $500 per day. For ACH transfers, the daily withdrawal maximum is $3,000. Over a rolling 7-day period, ACH withdrawals are capped at $20,000. Stash also has a $1 minimum for ACH transfers. The cutoff time for transfer instructions is 9:45 pm, PST.

Tracking Withdrawals

Stash’s website records all money movements in and out of your accounts. To find this transaction history, click your name in the upper-right corner and choose “Portfolio activity” from the vertical menu on the left side of the screen.

Withdrawals on the Mobile App

The steps above describe the withdrawal tools on Stash’s website, but you can also move cash using the Stash mobile app. The app works in a very similar way and looks a lot like the website. On the bottom menu, the Transfer icon is on the far right. Tap it to open the cash transfer tool. In the app, the settings menu is in the upper-left corner. Tap your initials and scroll down to find the option to manage an external bank account. As on the website, Plaid and manual linking are the two available methods.

Stash Review

Stash Invest rating Review of Stash Invest Account » Updated on 1/24/2026. About the Author Chad Morris is a financial writer with more than 20 years experience as both an English teacher and an avid trader. When he isn’t writing expert content for Brokerage-Review.com, Chad can usually be found managing his portfolio or building a new home computer.
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