Stash Margin Interest Rates

Stash Margin Account Rates in 2022


Current Stash margin account rates: interest fees charged on margin loan. Stash margin requirements and lending cost.


Stash Margin Rates


Unfortunately, Stash Invest does not offer margin accounts at this time. As an alternative, we recommend a $0-commission broker called Webull that offers low margin rates:

Debit Balance Margin Rate
under $25,000 6.99%
$25,000.01 - $100,000 6.49%
$100,000.01 - $250,000 5.99%
$250,000.01 - $500,000 5.49%
$500,000.01 - 1,000,000 4.99%
1,000,000.01 - 3,000,000 4.49%
>3,000,000.00 3.99%


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Stash Promotion



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Webull Review


WeBull rating

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Stash vs Webull Overview


Webull offers free trading services in individual accounts, while Stash offers much more than securities trading but charges a monthly fee. Which broker succeeds in delivering the better overall experience? Keep reading—we’ll give you the answer.


Broker Cost


Broker Fees Stock/ETF
Commission
Mutual Fund
Commission
Options
Commission
Maintenance
Fee
Annual IRA
Fee
WeBull $0 na $0 per contract $0 $0
Stash $0 na na $1-$3-$9 per month $1-$3-$9 per month


Services


Broker Review Cost Investment Products Trading Tools Customer Service Research Overall Rating
WeBull
Stash


Promotions


Webull: 6 FREE stocks valued $34-$12,600 give-away at Webull.

Stash Invest: Get $20 bonus stock with this referral link.



Investing Programs


Webull offers self-directed trading in options, stocks, closed-end funds, ETFs, and cryptocurrencies. The broker’s taxable and retirement accounts come with no on-going fees and no commissions. They do not come with any other features, like debit cards or banking tools. Webull does not have a robo advisor, nor does it offer any other type of portfolio management.

Stash is a very different beast altogether. It sells monthly trading packages (there are three in total) that provide robo or self-directed investing plus life insurance, banking, and stock-back and round-up services.

The three plans cost $1, $3, and $9 per month. All three provide trading only in stocks and ETFs (the broker’s selection is smaller than the total trading on the U.S. exchanges).

The cheapest plan offers self-directed trading in taxable accounts. It comes with $1,000 in life insurance, a debit card that earns fractional shares of stocks, and a bank account with several features like early payday.

For $3 per month, IRAs and Stash’s automated investing service are available. And the $9 plan offers custodial accounts (which aren’t available at any price at Webull), more life insurance, and more stock back.

Winner: This will be debatable, but we think saving the monthly fee at Webull and getting the entire selection of U.S.-listed stocks and funds plus other tradable instruments is a better deal for most investors. Plus, Webull has regular promotions to earn free stocks that will help to compensate for the loss of Stash’s stock-back program.


Websites


Trading and account management are easy at either broker thanks to user-friendly web-based tools. On the Stash website, we were able to browse through stocks and funds and make a purchase starting at just $5. The order ticket only accepts whole-dollar investment amounts and has no advanced features of any kind. Real-time data is not available on Stash’s software, and the broker only submits customer orders to the exchanges during four trading windows.

Charts on the Stash site are very simple with zero tools and only 10 years of price data. There’s very little in terms of trade data on securities. Clearly, this broker is not designed for advanced trading. A security can be added to a watchlist, one of the few notable features.

Account management is a breeze at Stash thanks to a top menu where a host of tools can easily be found. Likewise, the Webull website has an account management section (located in the top-right corner, just click on your name) where account documents can be downloaded and funds can be transferred.

Webull goes one major step further than Stash with a browser platform that provides many advanced trading tools. These include:

- Real-time data
- Ability to send orders to the exchanges at will
- Full-screen charting with many tools
- Advanced trading tickets with bracket orders and much more
- Demo mode for extra practice
- Alerts, watchlists, and a stock screener

Winner: Webull


Mobile Software


Each brokerage firm in this investigation offers a mobile app. The Stash app is equally user-friendly as its website. The downside of this is that the platform is overly simple without many tools. Charts are only available in vertical mode, and not surprisingly there were no tools of any kind. Once again, the order ticket is a whole-dollar ticket without any advanced features. The app’s watchlist syncs with the website.

The same is true for Webull’s app: the watchlist is the same one that appears on the website. And at Webull (but not at Stash), it’s possible to create multiple watchlists.

Webull’s app has many tools that the most sophisticated traders will find advantageous. During our trial of the app, we especially liked the many charting tools. These include dual charting, comparisons, replays, and a screenshot tool.


WeBull versus Stash


Order entry itself is on a high level thanks to a trade ticket with more order types than the website offers. These include one-triggers-another and one-cancels-another orders.

A paper-trading feature makes practicing a lot of the app’s highlights possible, although the advanced orders aren’t available in simulated mode.

Winner: Webull


Desktop Platforms


Webull continues hitting home runs out of the park with another great piece of software: its desktop program. Unlike the browser system, but like its mobile app, it offers trading in multi-leg option strategies. During our testing of this system, we found it easy to place trades simply by clicking on a bid or ask price in chains. There’s also a graphical format on the options order ticket.


Webull or Stash Invest


Other great features on Webull’s desktop platform include:

- NOII data, which is order imbalance details concerning the closing and opening crosses on the Nasdaq exchange
- Ability to switch among multiple accounts
- Customizable layouts
- Hot keys
- Clickable heat maps

Stash has no desktop platform. Given the style of investing it offers, it probably never will.

Winner: Webull


Margin Accounts


Stash does not offer any type of margin trading at this time. Webull does and it charges interest on a sliding scale (currently 3.99% to 6.99%). Webull’s software displays margin details, such as maintenance requirement and whether a security is hard to borrow.

Winner: Webull


Miscellaneous Services


IPO Availability: Webull customers can participate in future IPO’s. Stash customers cannot.

Fractional-share Trading: On Webull’s platforms, it’s possible to submit orders either in traditional whole shares or in dollar amount. Stash only offers the latter.

IRAs: Roth and Traditional retirement accounts are available at Webull (for free) and at Stash (for $3 per month).

Dividend Reinvestment Program: Webull doesn’t offer dividend reinvesting, but Stash does.

Extended Hours: Only Webull offers them. Stash doesn’t even permit trading during the entire day session.

Winner: Webull


Recommendations


Small Accounts: Webull is better for small accounts because it has no monthly fee.

Stock/ETF Trading: Webull is better by far (except for dividend reinvesting).

Beginners: Stash’s robo program (for $3 per month) would be a good option for young investors, but Webull also offers simulated trading on all its platforms for free.

Long-Term Investors and Retirement Savers: Stash has a slight edge here thanks to custodial accounts and a large library of educational materials (found at Stash Learn).


Promotions


Webull: 6 FREE stocks valued $34-$12,600 give-away at Webull.

Stash Invest: Get $20 bonus stock with this referral link.



Stash vs Webull Summary


Stash is clearly designed for young, inexperienced traders. But oddly, it offers life insurance in its packages. Nevertheless, they may benefit from Stash’s simple method of investment management. Experienced traders who want powerful trading tools at no cost should stick with Webull.


Current Stash Margin Interest Rates


Stash margin account fees are as of 2022 and can change at any time. For up-to-date Stash margin interest rates, see their website.

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.