How to Transfer From Stash to Fidelity (and Vice Versa)
If Stash’s monthly fee is taking a bite out of your account balance, you could move your investments to Fidelity and get rid of that charge. With our step-by-step guide, you’ll know exactly how to make the move.
Step One: Open an Account at Fidelity
It may sound a little backward, but to move your Stash investment account, you actually don’t begin at Stash. All the paperwork (which will be electronic) is handled by the receiving firm, which in this case is Fidelity.
To get started, you’ll first want to open a new brokerage account
through Fidelity’s website. From there, choose Open an Account and select the account type you need. Follow the prompts and submit the requested information.
Fidelity offers many account types (which is different from Stash), and you’ll need to choose the one that matches the account you have at Stash. For example, if you have a taxable individual account at Stash, you’ll need to open a taxable individual account at Fidelity. If the account types don’t match, your transfer request can be rejected. The names on the two accounts must match as well.
Step Two: Submit an ACAT Request
With your new Fidelity account open and active, it’s time to begin the transfer. As already mentioned, everything is going to be handled on Fidelity’s side; so you’ll place the request inside your Fidelity account. Fidelity has an online Transfer of Assets (ACATS) process, which makes the move fairly simple.
To find the digital request form, go to the transfer section inside your Fidelity account (commonly found under Accounts & Trade) and look for an option such as Transfer an account to Fidelity.
You’ll get another screen asking for your current broker’s name. If Stash isn’t listed, Apex Clearing Corporation often is. Select Apex. Apex is the clearing firm/custodian for Stash’s brokerage accounts.
You’ll need to enter your Stash account number and possibly upload a copy of your most recent account statement. You’ll also be able to choose between a full transfer and a partial transfer.
If you choose a partial transfer, you’ll be able to name the specific assets to move while leaving others behind. With this option, your Stash account will stay open. If you want to move everything and close your Stash account, select full transfer.
If you own any partial shares of stocks or ETFs (and you probably do since Stash supports dollar-based investing), those fractional shares usually won’t move through ACATS and are generally sold and sent as cash instead.
Transfer Fee
Before you start, you should know that Stash does charge an outgoing ACAT fee. It’s
$100 per account. Fidelity does not charge a fee to receive an ACATS transfer, and any reimbursement of transfer fees (if offered) is usually handled case-by-case rather than as a standing advertised rebate.
Transfer from Fidelity to Stash
If you’re in the reverse situation (you have a Fidelity account and want to move to Stash), you can usually transfer eligible assets through the ACAT system as well. As the receiving firm, Stash (through Apex) can accept incoming ACATS transfers, and the request is typically started on the Stash side.
Opening that Stash account should be the first step.
Stash promotions can change, but new accounts are sometimes offered a bonus (often presented as bonus stock, or a cash bonus if the stock reward isn’t claimed) when opening through a promotion link and meeting the deposit requirements.
Just like with any ACATS move, the names and account registrations should match to avoid a rejection. Also keep in mind that fractional shares generally don’t move through ACATS and are usually liquidated into cash during the transfer process.
If you run into an asset that Stash doesn’t support, you may need to sell that position at Fidelity and transfer cash instead, then reinvest inside Stash.
A really important point to make is that Stash doesn’t offer all the investment vehicles that Fidelity does, and this may mean that you won’t be able to repurchase every asset you want to hold. Stash focuses mainly on stocks and ETFs, so you may want to log into your Stash account first and verify that the securities you want are available for trading.
Stash Compared To Fidelity
Read Fidelity vs Stash vs Schwab Comparison
One major advantage that Stash has over Fidelity is free shares of stock for shopping with a linked debit card. But Stash also charges an account fee twelve times a year, which Fidelity doesn’t charge.
Updated on 4/6/2026.
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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