Stash vs Ally Invest Comparison: Fees, Features, and More (2026)
Stash and Ally Invest are two leading discount brokerages offering commission-free stock and ETF trading. Use this head-to-head comparison table to evaluate fees, features, trading tools, and account options to help you decide which broker is right for you in 2026.
| Feature | Stash | Ally Invest |
|---|---|---|
| Website | https://www.stash.com/ | https://www.ally.com/invest/ |
| Broker Type | Subscription-based digital brokerage | Discount (online self-directed brokerage) |
| Trading: Stock & ETF? | Yes | Yes |
| ETF & Stock commission | $0 trade commission; $12/month subscription plan | $0 eligible US stocks/ETFs ($2+); $4.95 + $0.01/share if <$2 |
| Fractional Shares? | Yes | No |
| Percent Allocations? | No | No |
| Crypto Trading? | No (crypto ETFs only) | No |
| Crypto Fees | Not applicable | N/A |
| Options Trading? | No | Yes |
| Options Fee | Not applicable | $0 commission + $0.50 per contract |
| Bond Trading Available? | No | Yes |
| Receives payment for order flow (PFOF)? | Yes | Yes |
| Interface: Web trading? | Yes | Yes |
| Desktop trading? | No | No |
| API Trading? | No | No |
| Mutual Funds: Offered? | No | Yes |
| Total Mutual Funds | None | Thousands (500+ fund families) |
| NTF Mutual Funds | None | Over 5,400 |
| Non-NTF Fund Fee | Not applicable | $0 (no-load); fund loads otherwise |
| Early Redemption Fee? | Not applicable | Yes (no Ally fee) |
| Redemption Hold (Days) | Not applicable | Varies by fund (prospectus); no Ally broker hold period listed |
| Early Redemption Fee | Not applicable | Fund-specific (often 0–2%); Ally $0 for no-load sales |
| Accounts: Margin Accounts? | No | Yes ($2,000 minimum equity required) |
| IRAs Offered? | Yes; Traditional and Roth | Yes (Traditional/Roth/Rollover at Invest; SEP at Ally Bank) |
| HSAs Offered? | No | No |
| Money Market Sweep? | Yes; Apex FDIC-insured sweep | Yes (Apex FDIC bank sweep; 0% interest) |
| CDs Offered? | No | Yes (brokered CDs; $24.95 per transaction) |
| Robo-Advisor: Offered | Yes | Yes |
| Robo-Advisor Service | Smart Portfolio | Robo Portfolios |
| Robo-Advisor Fees | $12/month plan; 0.25% of managed balance quarterly (>= $1,000) | 0% cash-enhanced (30% cash buffer) or 0.30% market-focused; ETF expenses extra |
| Basics: Headquarters | New York, NY | Charlotte, NC |
| Year Founded | 2015 | 2017 |
| Clearing Firm | Apex Clearing | Apex Clearing Corporation |
| Local Branches? | No | No |
| New Account Minimum | $0 |
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