Stash vs Alpaca Comparison: Fees, Features, and More (2026)
Stash and Alpaca 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 | Alpaca |
|---|---|---|
| Website | https://www.stash.com/ | https://alpaca.markets/ |
| Broker Type | Subscription-based digital brokerage | API-first self-clearing broker-dealer (Trading API for retail/algo; web dashboard available) |
| Trading: Stock & ETF? | Yes | Yes |
| ETF & Stock commission | $0 trade commission; $12/month subscription plan | $0 commission (retail US stocks/ETFs); plus SEC/FINRA/CAT fees. Elite Smart Router: $0.0005–$0.004/share |
| Fractional Shares? | Yes | Yes (from $1 notional; 2,000+ US equities) |
| Percent Allocations? | No | Yes, via API |
| Crypto Trading? | No (crypto ETFs only) | Yes (most US states via API/dashboard; 24/7) |
| Crypto Fees | Not applicable | Maker/taker 0.15%/0.25% (under $100k 30d vol) to 0%/0.10% ($100M+); on received asset |
| Options Trading? | No | Yes (Levels 1-3 equity/ETF; index options live) |
| Options Fee | Not applicable | $0 commission retail equity/ETF options; index $0.50/contract + ORF/OCC/exchange pass-throughs |
| Bond Trading Available? | No | No (Broker API partners only; not Trading API/dashboard retail) |
| Receives payment for order flow (PFOF)? | Yes | Yes (receives PFOF rebates) |
| Interface: Web trading? | Yes | Yes web dashboard; no official mobile app (third-party/TradingView yes) |
| Desktop trading? | No | No |
| API Trading? | No | Yes (Alpaca Trading API) |
| Mutual Funds: Offered? | No | No |
| Total Mutual Funds | None | None |
| NTF Mutual Funds | None | None |
| Non-NTF Fund Fee | Not applicable | N/A |
| Early Redemption Fee? | Not applicable | N/A |
| Redemption Hold (Days) | Not applicable | N/A |
| Early Redemption Fee | Not applicable | N/A |
| Accounts: Margin Accounts? | No | Yes; all accounts opened as margin (limited margin if equity under $2,000). |
| IRAs Offered? | Yes; Traditional and Roth | Yes; Traditional and Roth IRAs for US tax residents (Trading API). SEP-IRA in agreements. |
| HSAs Offered? | No | No |
| Money Market Sweep? | Yes; Apex FDIC-insured sweep | Yes; opt-in FDIC Bank Sweep/High-Yield Cash for uninvested cash (variable APY, up to $1M FDIC). |
| CDs Offered? | No | No |
| Robo-Advisor: Offered | Yes | No |
| Robo-Advisor Service | Smart Portfolio | N/A |
| Robo-Advisor Fees | $12/month plan; 0.25% of managed balance quarterly (>= $1,000) | N/A |
| Basics: Headquarters | New York, NY | San Mateo, CA |
| Year Founded | 2015 | 2015 |
| Clearing Firm | Apex Clearing | Self-clearing (Alpaca Clearing) |
| Local Branches? | No | No |
| New Account Minimum | $0 |
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