How to Transfer From Stash to Fidelity (and Vice Versa)
If Stash’s monthly fee is eating away at your account balance, you could move your investments to Fidelity and eliminate that type of account 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 somewhat paradoxical, but to move your Stash investment account, you actually don’t do anything at Stash. All the paperwork, which will be electronic, is handled on the receiving end, which in this case will be at 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 type of account you want. Follow the prompts and submit the requested details.
Fidelity offers many account types, and you’ll need to pick the one that corresponds to the account type you have at Stash. For instance, 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 also need to match.
Step Two: Submit an ACAT Request
With your new Fidelity account open and active, it’s time to start the transfer. As already mentioned, everything is going to be handled on Fidelity’s side of things, so you’ll make the request within your Fidelity account. Fidelity has an online Transfer of Assets process, which helps keep things straightforward.
To find the digital request form, go to the transfer area inside your Fidelity account, commonly found under Accounts & Trade, and look for an option like Transfer an account to Fidelity.
You’ll get another screen asking you for your current broker’s name. If Stash isn’t listed, Apex Clearing Corporation often is. Select Apex. Apex is the clearing firm and custodian for Stash brokerage accounts.
You’ll need to submit your Stash account number and possibly a copy of your most recent account statement. You’ll also be able to specify a full transfer or partial transfer.
If you select partial transfer, you’ll be able to specify specific assets to move while leaving others behind. With this option, your Stash account will remain open. If you want to move everything and close your Stash account, select full transfer.
If you have any partial shares of stocks or ETFs, and you probably do since Stash supports dollar-based investing, those fractional shares won’t transfer through ACATS. Stash sells fractional shares, adds the proceeds to your portfolio cash, and sends the cash to the receiving broker.
Transfer Fee
Before pulling the trigger, you should be aware that Stash has an outgoing ACAT fee. It’s
$100 per account. Fidelity does not charge a fee to receive a transfer of assets, 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 opposite situation, meaning you have a Fidelity account and want to be at Stash, you can usually transfer eligible assets using the ACAT system as well. As the receiving firm, Stash can accept incoming ACAT transfers, and the request is typically initiated 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 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 to 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, ETFs, automated investing, and retirement investing, so you may want to log into your Stash account first and verify that the securities you’re interested in are available for trading.
Stash Compared To Fidelity
Read Fidelity vs Stash vs Schwab Comparison
A major advantage that Stash has over Fidelity is the Stock-Back® Card, which can reward qualifying debit-card purchases with stock rewards. But Stash also charges an account fee, something that Fidelity doesn’t do for standard brokerage accounts.
Updated on 6/29/2026.
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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