Updated September 28, 2026 · BrokerCue Editorial Team
growney vs Stash
What sets them apart
| Compare |  growney |  Stash |
|---|---|---|
| Management fee | 0.38% to 0.68% | $108 to $144 |
| Minimum investment | €25 | $5 |
| Regulators | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank | SEC, FINRA |
| Investor protection | EU ICS up to EUR 20,000 | SIPC up to USD 500,000 |
| Account types | Joint, Corporate | IRA, Roth IRA |
| Portfolio types | ETF, ESG, CashCovers more | ETF |
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Key differences
- growney scores higher overall: 9.3 vs 9.0.
- Regulators: only growney offers Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank.
- Regulators: only Stash offers SEC, FINRA.
- Founded is lower at growney: 2014 vs 2015.
- Account types: only growney offers Joint, Corporate.
- Account types: only Stash offers IRA, Roth IRA.
- Portfolio types: only growney offers ESG, Cash.
- Support channels: only growney offers Phone, Chat, Email.
Our verdict on each
growney
growney suits beginners in Germany who want savings and a managed portfolio under one roof, with joint and corporate accounts offered alongside ETF, ESG and cash portfolios. Entry starts at €25, and cash is offered at 2.25%, so a saver can begin small.
Stash
Stash suits US beginners who want a retirement pot built from a phone rather than a wide market. Trades cost $0 and the minimum deposit is free, but the account fee of $144 a year is the price of that simplicity.
Score breakdown
| Area | growney | Stash |
|---|---|---|
| Cost | 8.9Management fee of 0.38% to 0.68% a year against a robo-advisor median of 0.35%, with deposits and withdrawals free. | 9.1HigherA free minimum deposit and $0 trades rank 1 of 213 and 1 of 161, but the $144 account fee is the weight. |
| Offer | 9.6Higher | 8.8 |
| Trust | 9.4Higher | 9.0 |
Where each is licensed and available
| Country | growney | Stash |
|---|---|---|
| Germany | Not confirmed | |
| United States | Not confirmed |
Additional countries for growney: 1. Additional countries for Stash: 1.
Side by side, item by item
| Portfolio types | growney | Stash |
|---|---|---|
| ETF | Yes | Yes |
| ESG | Yes | No |
| Cash | Yes | No |
| Account types | growney | Stash |
|---|---|---|
| IRA | No | Yes |
| Roth IRA | No | Yes |
| Joint | Yes | No |
| Corporate | Yes | No |
What we checked
growney
- growney.de: 10 facts, checked September 26, 2026
Stash
- stash.com: 10 facts, checked September 26, 2026
How they place
| Ranking | growney | Stash |
|---|---|---|
| Stock and ETF brokers | 70 of 471 | 148 of 471 |
| Brokers for beginners | 22 of 88 | 38 of 88 |
| Robo-advisors | 18 of 151 | 57 of 151 |
Every fact side by side
| Fact | growney | Stash |
|---|---|---|
| Legal entity | growney GmbH | Stash Investments LLC |
| Headquarters | Germany | United States |
| Founded | 2014Lower | 2015 |
| Support channels | Phone, Chat, Email, Help centreCovers more | Help centre |
Brokers
| Fact | growney | Stash |
|---|---|---|
| Minimum deposit | Not confirmed | $0 |
| Stock trade fee | Not confirmed | $0 |
| Account fee | Not confirmed | $144 |
| Markets | ETFs, Funds | Stocks, ETFs |
| Features | Not confirmed | Fractional shares, Mobile app |
| Pricing model | Not confirmed | Commission free |
| Audience | Beginners | Beginners |
| Deposit and withdrawal fees | Tages- und Festgeld kostenlos | Not confirmed |
| Platforms | Not confirmed | Web, iOS, Android |
| Interest on cash | 2.25% | Not confirmed |
Pros and cons
growney
Pros
- Day and fixed-term deposits carry no deposit or withdrawal charge.
- German supervision through BaFin and the Deutsche Bundesbank, with protection at EU ICS up to EUR 20,000.
- Help runs on phone, chat and email, so a first-time investor has several routes to an answer.
Cons
- The management fee of 0.38% to 0.68% a year is the main ongoing cost, sitting above providers charging 0%.
- Instruments run to etfs and funds, so there is no direct share dealing here.
- Account types are limited to joint and corporate.
Stash
Pros
- Stock trades cost $0 and the model is commission-free, so small orders carry no per-trade charge.
- The portfolio option is an etf portfolio alongside ira and roth ira accounts, which keeps retirement saving in one place.
- Access runs through Web, iOS and Android, and fractional shares spread small contributions across holdings.
Cons
- The account fee of $144 a year leaves Stash at 134 of 138 brands on that measure, while eToro lists $0.
- Support runs on help centre only, so questions about a retirement account are left to articles.
- Trading is limited to stocks and etfs with an etf portfolio, so there is no forex, crypto or CFD route.
Who each suits
growney
Who it suits
- Beginners in Germany who want savings and a managed portfolio without choosing holdings themselves.
- Couples and companies, since joint and corporate accounts are supported.
- Anyone who wants day and fixed-term deposits alongside an invested plan.
Who should look elsewhere
- Not eToro, which charges 0% in management fees and suits people who place trades themselves.
- Not Axos Invest, whose minimum starts at $100 against €25 here.
- Not Vivid Standard, where plans run at 0.5% to 1.5% a year against 0.38% to 0.68% here.
Stash
Who it suits
- US beginners who want a retirement account, a phone app and a small starting amount rather than a wide market.
- Long-term savers content to hold stocks and etfs and an etf portfolio without picking markets themselves.
- Readers who weigh regulation first, since Stash is registered with SEC and FINRA in the US.
Who should look elsewhere
- Readers who want forex, crypto or CFDs, since CFI lists stocks, etfs and forex.
- Anyone put off by a yearly charge, as eToro lists $0 for its account.
- Readers who prefer a provider with a published entry figure, such as Vantage at $5, rather than a free minimum deposit.
Current offers
Stash
Current offer
Free trial
Try Stash for 7 days: 7-day trial
new Stash Plan subscriptions
Source, checked September 26, 2026
Country by country
| Country | growney | Stash |
|---|---|---|
| Germany | Yes | No |
| United States | No | Yes |
Questions about each
growney
What does growney charge to manage my money?+
growney takes a management fee of 0.38% to 0.68% a year on the portfolio it runs. That is the main ongoing cost, and it sits in the middle of the robo-advisor range, where the upper quartile reaches 0.6%. Day and fixed-term deposits add no deposit or withdrawal charge.
How much do I need to start with growney?+
The minimum investment is €25, below the robo-advisor median of €60.06. A low entry suits a beginner trying a managed approach, and it makes it easy to hold a small portfolio while the rest of the money sits in savings.
Stash
How much does Stash cost to run?+
Running the plan costs a management fee of $108 to $144 a year, and the account fee is $144. Stock trades cost $0 and the model is commission-free, so the charge sits with the subscription rather than the order. The site median account fee is €0, so Stash sits at the dear end of the table.
How much do I need to start?+
The minimum deposit is free, and the minimum investment is $5, so an account can be opened at a size that suits a monthly habit rather than a lump sum. Stash ranks 1 of 213 brands on this measure, against a site median of €4.64.
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