Stash vs SoFi Invest Comparison: Fees, Features, and More (2026)
Stash and SoFi 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 | SoFi Invest |
|---|---|---|
| Website | https://www.stash.com/ | https://www.sofi.com/invest/ |
| Broker Type | Subscription-based digital brokerage | Discount (self-directed online brokerage + robo-advisor) |
| Trading: Stock & ETF? | Yes | Yes |
| ETF & Stock commission | $0 trade commission; $12/month subscription plan | $0 commissions |
| Fractional Shares? | Yes | Yes ($5 min on select stocks/ETFs) |
| Percent Allocations? | No | No |
| Crypto Trading? | No (crypto ETFs only) | Yes. SoFi Crypto offers 28 cryptocurrencies (as of May 2026); requires SoFi Checking & Savings. |
| Crypto Fees | Not applicable | Tiered 1.90%/1.50%/1.25%/0.90% of trade value by monthly volume (<$1k/$1-5k/$5-10k/$10k+); possible ≤0.10% spread. |
| Options Trading? | No | Yes. Options trading available (long calls/puts, covered calls, cash-secured puts; 0DTE and IRAs). |
| Options Fee | Not applicable | $0 commissions and $0 contract fees. Regulatory fees apply (e.g., ORF $0.02, OCC $0.025 per contract). |
| Bond Trading Available? | No | No. Individual bonds not offered; exposure via bond ETFs and mutual funds only. |
| Receives payment for order flow (PFOF)? | Yes | Yes. Receives payment-for-order-flow revenue share via Apex Clearing. |
| Interface: Web trading? | Yes | Yes. Full trading on SoFi mobile app (iOS/Android) and sofi.com website. |
| Desktop trading? | No | No |
| API Trading? | No | No |
| Mutual Funds: Offered? | No | Yes |
| Total Mutual Funds | None | 6,800+ |
| NTF Mutual Funds | None | 6,800 |
| Non-NTF Fund Fee | Not applicable | 0.2% of purchase (max $20); 2% for interval/tender funds |
| Early Redemption Fee? | Not applicable | Yes (no SoFi short-term fee) |
| Redemption Hold (Days) | Not applicable | Fund-specific (CDSC varies by fund); no SoFi-imposed hold. |
| Early Redemption Fee | Not applicable | Fund-specific CDSC (varies); SoFi charges none (purchase tx fee 0.2% max $20). |
| Accounts: Margin Accounts? | No | Yes (Self-Directed; apply, $2,000 min). |
| IRAs Offered? | Yes; Traditional and Roth | Yes: Traditional, Roth, and SEP IRAs. |
| HSAs Offered? | No | No |
| Money Market Sweep? | Yes; Apex FDIC-insured sweep | Yes (optional FDIC bank sweep via Apex). |
| CDs Offered? | No | No |
| Robo-Advisor: Offered | Yes | Yes |
| Robo-Advisor Service | Smart Portfolio | SoFi Automated Investing (Robo Investing) |
| Robo-Advisor Fees | $12/month plan; 0.25% of managed balance quarterly (>= $1,000) | 0.25% annual wrap/advisory fee plus fund expenses; $50 min. |
| Basics: Headquarters | New York, NY | San Francisco, CA |
| Year Founded | 2015 | 2011 |
| Clearing Firm | Apex Clearing | Apex Clearing Corporation |
| Local Branches? | No | No |
| New Account Minimum | $0 |
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