Develop a Stash Clone App for Your Business

The financial sector is going through a gradual change. People don’t need to personally visit a bank branch to open a new savings account. They can let go of the lengthy paperwork and high bank fees. A Fintech app like Stash makes it simpler and hassle-free to explore financial services. Users can find everything on a single platform, whether it’s loans, savings options or investment plans. The app streamlines the processes and improves efficiency. The users can keep track of their money and control their spending through the app.

Your business can develop an investing app like Stash to provide convenience to the users. The AI app can offer personalized insights for enhancing user experience. Suffescom is a one-stop solution for offering secure and convenient investment management. Collaborate with our team of experts and build a feature-rich Stash clone app. You can take your business to new heights with this informative blog.

How Stash the Financial Revolution Began?

Stash was started with a strong mission. Brandon Krieg, David Ronick, and Ed Robinson founded the app in 2015. The aim was to enable profitable investments. The mobile app made it convenient for everyone to explore financial services. Starting with investing, it gradually turned into an all-in-one financial platform.

This is how the journey of Stash made a shift in the Fintech sector:

• Stash was launched on the iOS App Store in 2015. The app expanded its reach to Android users in 2016.
• In 2022, Stash offered enhanced access to cryptocurrency for its subscribers. They could create a separate crypto account on the app.
• There were more than 9 million accounts on the Stash app in 2024. In the first 6 months of 2024, the gross margin was 80%.
• This AI app offers personalized financial advice to users. Stash had 1.3 million paying subscribers. Assets that were being managed were $4.3 billion, as reported in May 2025.
• This leading app currently has 1.5 million active subscribers.

Stash continues to grow its user base and improve its offerings. It enables users to develop better financial habits. They can save, invest, and grow their earnings on the app. Stash clone app development can be a worthwhile decision for your business. A smart Fintech app can solve the user’s financial challenges and bring big gains.   

How Do Apps Like Stash Work?

We build apps like Stash with a robo-advisor that offers substantial help to investors. It guides them about their personal finances, smart portfolios, and investment/banking services. It has an intuitive platform that is easily navigable by both users and platform owners. The app is available for both web apps and mobile apps(iOS and Android).

Stash enables users to invest smarter and build wealth. This is how an app like Stash works:

• Fractional Shares: The users don’t need to buy an expensive share of a company like Amazon or Google. They can buy a small portion of a share. This means they can invest in a stock with just $5.00. It encourages users to make investments at a lower cost.
• Guided Investing: The app allows users to look for investment options that have a particular theme. The users can invest in “clean and green” energy companies. It enables them to understand what they are investing in and why.
• Tools for Efficient Processes: What if the user forgets to invest on a particular date? No worries! The app has tools that make it effortless to invest. A fixed amount goes from the bank to the investment account on a particular date every month. This improves the user experience.

You can talk to our professionals at Suffescom and build an app like Stash with innovative features. Making the whole investment process, be it in mutual funds, stocks, and ETFs, seamless.

Top 10 Popular Investing Apps Like Stash in the USA

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Top-Notch Features Of Our Stash Clone App

Want to create a mobile app like Stash with best-in-class features? Let’s see how to make money management and investment smooth while complying with ultra-modern technologies. 

1. Admin Panel

This allows you to run the platform efficiently. The Admin Panel gives you total control and clear visibility over everything. Ensure that your business complies with regulations and operates smoothly.

Comprehensive Dashboard

See how many users you have and the total money they’ve invested. Get real-time data to know how many trades happen in a day.

KYC Management

Quickly approve new users and handle KYC to check identities. Meet legal requirements and manage every user's profile and account settings from one secure place.

Control Over Investment

Decide which stocks, ETFs, and fractional shares your users can buy. Allow a wide range of investments on the platform for higher returns.

Tracking of Funds

Get detailed reports on the funds received and spent. Keep an eye on the money you make from subscription fees and trading commissions.

Content and Education Manager

Apps like Stash allow easy uploading of articles and managing educational content. Keep your users informed and help them become smarter investors.

Regular Security Checks

Every action taken by every admin is logged and time-stamped. This is crucial for security and provides a perfect paper trail for any regulatory audits or compliance checks you may face.

2. User Panel

A Fintech app like Stash can make investing simple and fun. It has all the tools they need to grow their money.

Personalized View of Portfolio

A clean interface shows how much money the user has. They can see how well they are investing. This relates to personal, retirement and accounts for kids.

Fractional Shares

The users don’t need to invest more to own a piece of Google or Amazon. This feature enables buying of a small fractional share of a company's stock. It allows users to invest a small amount.

Convenient Saving

Auto-Stash allows transfers from a bank account to the investment portfolio. The users can pick the dates for transfer. This makes investing effortless.

Stock-Back Debit Card

The user can earn a piece of stock as a reward when they purchase with a debit card. Buying the essential products helps them build wealth.

Financial Guidance

Create a mobile app like Stash that educates users and offers personalized tips. They can learn about a new investment opportunity on the app.

Secure Banking Options

The users can easily link their existing bank accounts for investing on the app. They can use the integrated Stash account to enjoy amazing banking features.

3. Owner Panel

It offers insights to make smart decisions that ensure the company's growth and increased revenue.

Performance Reports

Get the reports that matter. Know how much it costs to acquire a new customer. Learn how much revenue they bring over time. This helps in planning for business growth.

Managing of Marketing

Create, launch, and track the success of your referral programs, limited-time promotions, and any campaigns aimed at getting users to try new features. It’s your engine for growth.

Creating Subscription Plans

Easily create subscription plans, like a Starter plan or a Plus plan. Set the pricing and decide which features are included in each. You have complete control over your revenue structure.

API Integration

Manage the API integration of app. Provide real-time stock prices and reporting tools to users. It keeps your platform running smoothly.

Advanced Data Analytics

This tool provides detailed analysis on what features users love. Get insights to improve the quality of your product.

Monitoring of Performance

Continuously check the performance of Fintech app like Stash. This ensures security and fixes any issues for an enhanced user experience. 

What are the Essential APIs for a Fintech App Like Stash?

You need to integrate your app with APIs to keep it secure and running smoothly. These are some essential APIs that you need to consider for your Fintech app like Stash:

APIs for Opening the Account

The linking of your app with these APIs ensures a smooth experience for new users. Service like Chase connects the app to the users’ bank accounts. It allows users to securely log into their bank and make transfers. Integrating your app with APIs like Dwolla can enable quick money transfers.

Stock Trading APIs

These APIs enable users to buy and sell stock through the app. It relates to the legal and financial process of trading. This API integration manages the entire trading process. This starts from executing the fractional share orders to handling government reports.

APIs for Real-Time Information

Create a mobile app like Stash that tells what's happening in the market. These APIs provide stock information in real-time. The users can view live stock prices. They can analyze the past market data through charts. The Stash Clone app makes users aware of the financial news. They can measure the company’s financial health and make informed decisions.

Security and Messaging API Integration

These tools keep the user’s information secure on the app. Brokerage APIs verify the user’s identity and prevent money theft. It ensures that the users meet the know your customer requirements. Messaging APIs like Twilio enable communication on the app.

What Are The Security Features Of Our Stash Clone?

Our Stash clone script comes with multiple payment features that require high-level security. Thinking about how to create a decentralized finance app that is fully secure?

Check out some of the essential security characteristics that make the application 100% safe and protected from unauthorized elements. 

1. 256-Bit Encryption

Everything from the transaction history to personal information, this cybersecurity technique uses the AES algorithm to encrypt and decrypt data/files.

2. Transport Layer Security

This cryptographic protocol prevents all sensitive/private information from getting leaked by offering the utmost data integration and authentication.

3. Biometric Recognition

Automated biometric recognition helps in the identification of people to access their accounts through facial scans or fingerprint impressions.

4. Access Control

Helps in identifying users by validating their login credentials and offering 2-factor/multi-factor authentication.

5. Cutting-Edge Technology

All the components of the app are secured with contemporary technologies. This ensures the Fintech App like Stash remains up-to-date with industry standards.

6. PCI DSS Compliant

With the PCI DSS feature, all the data related to the cardholder data is safeguarded to mitigate data breaches and fraudulent activities.

Also Read: Neobank App Development Solutions

Stash Clone App Development Process: Key Steps We Follow

To develop a swift investment app like Stash, our development team, comprising highly qualified project managers, app developers, designers, QA, and marketers, works with full dedication. Hiring our best fintech software development company allows you to build a robust and secure app.

1. Market Research

The first and foremost step is to perform market research that helps in gauging the mood of the target audience. Depending upon that, all the necessary steps are taken regarding app development, keeping the client's needs in mind.

2. Selecting Programming Languages

Choose the top programming languages that are helpful in automating tasks, improving performance, and instilling robustness, security, and advanced features in the stash clone app.

3. Front-end Development

MVP app development for the front-end ensures smooth functioning and attracts users. The front-end languages include javascript, react,vue, angular, Django, Swift, etc.

4. Back-End Development

Helps in the safe and systematic storage of data to make sure that every necessary thing on the client side is working perfectly. The back-end languages include Python, PHP, Golang, Perl, etc.

5. Testing & Launch

Our Stash clone app is tested by our quality analysts, who detect the bugs and remove them after performing several testing techniques. After that, the app was finally launched for the general public.

6. Marketing & Post Maintenance

Our team of marketers will also help in the marketing of the app on several platforms. If any technical issues arise, then they are perfectly resolved by our specialists

Compelling Reasons to Invest in an App Like Stash

Let’s explore the advantages of a White Label Digital Banking App & Platform like Stash:

1. Ready To Launch

Our stash clone app doesn't need to be built from scratch, making it a ready-to-deploy product.

2. Banking Services

Stash clone app offers top-tier bank account services via features like direct deposit and a debit card.

3. Reduced Fees

Stash clone app possesses transparent pricing with low monthly fees, making it accessible to an extensive range of investors.

4. Customization

We help you with Stash clone app development. The app can be fully customized as per your business requirements.

5. Auto-Stash

Automatically transfers money from the linked account to the desired Stash account in real-time.

6. Diversification

You can make an app like Stash that provides a wider range of investment options that help build a diversified portfolio.

Money-Making Strategies for a Stash Clone App

Stash clone app is an online investment application where users take part in day-to-day investments. An AI banking software development company can make an effective strategy that suits your business vision. It can implement the proven revenue models for increased profits. For businesses, it serves as a great way to earn massive income.

1. Subscription Plans

There are three subscription plans offered by Stash, i.e., Stash Beginner, Stash Growth, and Stash+ for $1/month,$3/month, and $9/per month, respectively, offering fabulous features.

2. Cashback

The cashback rewards provided to users via a Stock-back card allow the app owners to earn money every time they make a purchase through this card.

3. Payment Processing Fees

Apps like Stash earn revenue through payment processing fees. It is earned whenever users deposit or withdraw funds from their respective accounts.

4. Partnerships and Commissions

The buying of financial products provided by Stash's partners helps them earn commission from such partnerships.

How Much Does It Cost To Develop A Stash Clone App?

Stash like app development cost usually ranges between $5,000 to $25,000. But the cost can vary based on the customization requirements. Based on numerous factors, the AI banking app development cost can vary based on various factors will vary. Few of these are given below;

In-Built Features

You can add advanced features in app like Stash. Development costs will depend on the number and complexity of features. This includes banking features, automated investments and retirement accounts. You can also build an app like Stash with educational content. 

• Basic: $5,000-$10,000 
• Complex: $10,000- $15,000 
• Advanced: $15,000- $20,000

Platform Compatibility 

Do you want the app to run on only iOS or Android, or both? Building native apps for both platforms can increase the costs. But cross-platform apps can be a budget-friendly option. This is because a single codebase is needed for launching apps on multiple platforms. 

• Cross-Platform Apps: $5,000- $15,000 
• Native Apps: $15,000- $20,000 

Security and Compliance 

Multi-layer security is crucial for apps like Stash. Data encryption and user verification for login can add to the costs. The user’s financial information should be protected on the app. You also need to comply with legal regulations to build a secure app. This includes Know Your Customer (KYC) requirements. 

• Basic Security Measures: $5,000- $10,000 
• Advanced Security Measures: $10,000- $20,000 

Integrations for Real-Time Data 

API integration is crucial during Stash clone app development process. This enables the users to view live stock prices and trade instantly. They can also transfer money from their online account on the app. Complex integrations can also affect the development costs. 

• Simple Integrations: $5,000- $10,000
• Complex Integrations: $10,000- $20,000 

Scalability of App

Backend technologies are used for storing the vast user data. The app should be robust and adaptable. It should be able to handle the growing user base and transactions. A scalable app can support your business growth. It enables your app to enter new markets. Building a complex and highly scalable app can increase costs. 

• Higher Scalability: $5,000- $10,000
• Limited Scalability: $10,000- $20,000  

The list is huge; for more detailed information, take consultation from our specialists. 

Hire Suffescom As Your Stash Clone App Development Partner 

The demand for Fintech apps is growing. This is a great time for your business to take advantage of market opportunities. These apps can provide peace of mind to users. They make their lives easier and comfortable. These apps can expand your business reach and grow revenue. Want to build a Stash Clone app with advanced functionalities?

Suffescom is your companion for Stash clone app development. We develop an app with similar functionalities like Stash. We provide you with ready-to-launch solutions to stay ahead of the competition. Feel free to customize the app and add your branding. We assist you even after the app launch for 24/7 support. Book a free consultation with our team!

FAQs

How much does it cost to develop a stash clone app?

The Stash clone app development cost ranges between $5,000 and $25,000. You can talk to our experts for a clear understanding of the cost to build an app like Monzo or Stash. Choose from our flexible pricing plans based on your budget.

How long does it take to develop a Stash clone app?

It can take around 2 to 5 weeks to make an app like Stash. But the timeline can still depend upon the level of personalization you want. A highly customized and complex app might take longer to develop. Whereas an app with basic features take less time to develop.

Which Is The Safest Investment App Available Worldwide?

The Stash app is one of the safest investment apps built with the highest security standards. Multi-layer security keeps the user’s information in safe hands. The app offers identity verification features and secure money transfers for a secure experience.

What are the revenue models of the Stash Clone App?

You can make an app like Stash to get higher returns. It allows your business to earn money in different ways. Subscription Plans, payment for order flow, cashback, and interest on cash are the revenue models of the Stash clone app.

What are the top alternatives to Stash?

You can build top apps like Stash, including Acorns and Wealthfront. These apps offer micro-investing and robo-advising. Robinhood is a leading app for investing in stocks and cryptocurrencies.  

• NEO Banking Solutions