Updated September 28, 2026 · BrokerCue Editorial Team
Stash vs WH SelfInvest
Where Stash and WH SelfInvest differ
| Compare |  Stash |  WH SelfInvest |
|---|---|---|
| Stock trade fee | $0Lower | $1.90 |
| Account fee | $144 | €0 |
| Markets | Stocks, ETFs | Stocks, ETFs, Forex, CFDs, Options, Futures, BondsCovers more |
| Platforms | Web, iOS, Android | NanoTrader, TradingView, Trader Workstation, Mobile Apps |
| Minimum deposit | $0 | Not confirmed |
| Inactivity fee | Not confirmed | €0 |
| Regulators | SEC, FINRA | Not confirmed |
| Investor protection | SIPC up to USD 500,000 | Not confirmed |
| Retail accounts that lose money | Not confirmed | 76% |
| Account types | IRA, Roth IRA | Not confirmed |
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Key differences
- WH SelfInvest scores higher overall: 9.3 vs 9.0.
- Stock trade fee is lower at Stash: $0 vs $1.90.
- Markets: only WH SelfInvest offers Forex, CFDs, Options.
- Platforms: only Stash offers Web, iOS, Android.
- Platforms: only WH SelfInvest offers NanoTrader, TradingView, Trader Workstation.
- Support channels: only Stash offers Help centre.
- Support channels: only WH SelfInvest offers Email, Phone.
- Features: only WH SelfInvest offers Demo account, Copy trading.
Our verdict on each
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.
WH SelfInvest
WH SelfInvest sits in Luxembourg and covers stocks, ETFs, forex, CFDs, options, futures and bonds under an account fee of €0 and an inactivity fee of €0, which suits investors who want many asset classes without a standing charge. Stock dealing is the cost to watch, at $1.90 a trade.
Score breakdown
| Area | Stash | WH SelfInvest |
|---|---|---|
| Cost | 9.1A free minimum deposit and $0 trades rank 1 of 213 and 1 of 161, but the $144 account fee is the weight. | 9.1The standing fees are flat, at €0 and €0, while the dealing charge of $1.90 a trade pulls the score down. |
| Offer | 8.8 | 9.5Higher |
| Trust | 9.0 | Not confirmed |
Where each is licensed and available
| Country | Stash | WH SelfInvest |
|---|---|---|
| United States | Not confirmed |
Pick Stash if, pick WH SelfInvest if
Pick Stash if stock trade fee matter most.
Pick WH SelfInvest if offer and markets matter most.
How they place
| Ranking | Stash | WH SelfInvest |
|---|---|---|
| Stock and ETF brokers | 148 of 471 | 86 of 471 |
Every fact side by side
| Fact | Stash | WH SelfInvest |
|---|---|---|
| Features | Fractional shares, Mobile app | Demo account, Fractional shares, Copy trading, Mobile appCovers more |
| Pricing model | Commission free | Not confirmed |
| Audience | Beginners | Not confirmed |
| Legal entity | Stash Investments LLC | Not confirmed |
| Headquarters | United States | Luxembourg |
| Founded | 2015 | Not confirmed |
| Support channels | Help centre | Email, Phone |
Robo-advisors
| Fact | Stash | WH SelfInvest |
|---|---|---|
| Management fee | $108 to $144 | Not confirmed |
| Minimum investment | $5 | Not confirmed |
| Portfolio types | ETF | Not confirmed |
Where each stands against the rest
| Fact | Stash | WH SelfInvest | Median |
|---|---|---|---|
| Minimum deposit | $0below the median | Not confirmed | $25 |
| Stock trade fee | $0at the median | $1.90highest quarter | $0 |
| Inactivity fee | Not confirmed | €0below the median | €2.45 |
| Retail accounts that lose money | Not confirmed | 76%highest quarter | 72.13% |
Median across 135 listed brokers.
Pros and cons
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.
WH SelfInvest
Pros
- The account fee is €0 and the inactivity fee is €0, so an account left open or left idle is not billed, and the standing cost sits level with Vantage at $0.
- A single account covers stocks, etfs and forex, so shares, forex, CFDs, options, futures and bonds can be held and traded together.
- The platform choice runs from NanoTrader, TradingView and Trader Workstation, so the same account can be worked from a desktop terminal or from mobile apps.
Cons
- Stock dealing costs $1.90 a trade, where eToro charges $0 for its stock dealing.
- That dealing charge ranks 123 of 161 on our data, while the account fee sits at 1 of 138 and inactivity at 1 of 56, so the standing costs lead the table while dealing sits near the back of it.
- Support runs on email and phone, so a live chat window and a help centre are not part of the contact options.
Who each suits
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.
WH SelfInvest
Who it suits
- Investors who want shares and leveraged products side by side, since stocks, etfs and forex puts forex, CFDs, options, futures and bonds in the same account.
- People who split activity between a desktop terminal and mobile apps, since NanoTrader, TradingView and Trader Workstation covers both.
- Traders who want to test before committing, since demo account, fractional shares and copy trading includes a demo account and fractional shares.
Who should look elsewhere
- Anyone who mainly wants cheap stock dealing: eToro charges $0 for stock dealing against $1.90 here.
- Crypto traders, since crypto is missing from stocks, etfs and forex although CFI covers stocks, etfs and forex.
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 | Stash | WH SelfInvest |
|---|---|---|
| United States | Yes | No |
Questions about each
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.
WH SelfInvest
Does WH SelfInvest charge an account fee?+
The account fee is €0 and the inactivity fee is €0, so there is nothing to pay for holding the account open and nothing for leaving it idle. That is why the brand ranks 1 of 138 on our data for the account fee and 1 of 56 for inactivity.
What does it cost to buy a stock?+
A stock trade costs $1.90, and that is the charge which scales with how often you trade. It ranks 123 of 161 on our data, so anyone dealing in shares regularly will feel it far more than the flat fees. Multiply it by the number of trades you expect.
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