M1 Finance
SEC/FINRA
Stash
SEC/FINRA
M1 Finance vs Stash
Head-to-Head Comparison 2026
Our Verdict
M1 Finance has a higher rating of 4.2/5 compared to Stash (3.7/5). The minimum deposit is lower at Stash with 0 $.
Comparison Table
| Criteria | M1 Finance | Stash |
|---|---|---|
| Rating | 4.2/5 (1200 reviews)✓ | 3.7/5 (1100 reviews) |
| Regulation | SEC/FINRA | SEC/FINRA |
| Fees | $0 commission, M1 Plus $125/year for premium features | $3/month (Stash Growth), $9/month (Stash+) |
| Min. Deposit | 100 $ | 0 $ |
| Instruments | US Stocks, ETFs, Fractional Shares, Crypto | US Stocks, ETFs, Fractional Shares, Bonds |
| Platforms | M1 Finance Web, M1 Finance App | Stash App |
| Options Trading | No | No |
| Founded | 2015 | 2015 |
| Headquarters | Chicago | New York |
Detailed Comparison
Fee Comparison
M1 Finance: $0 commission, M1 Plus $125/year for premium features. Minimum deposit: 100 $.
Stash: $3/month (Stash Growth), $9/month (Stash+). Minimum deposit: 0 $.
Product Range
M1 Finance (4 categories)
Stash (4 categories)
Trading Platforms
M1 Finance
- M1 Finance Web
- M1 Finance App
Stash
- Stash App
Regulation & Security
M1 Finance is regulated by SEC/FINRA (HQ: Chicago).
Stash is regulated by SEC/FINRA (HQ: New York).
Who Is It For?
M1 Finance
US neobroker with pie investing, credit line and high-yield account
✓ Unique pie investing for automated portfolio
✓ Commission-free stock and ETF trading
✓ Integrated credit line (M1 Borrow) at low rates
✗ Only one trading window per day (Standard)
✗ No advanced trading tools
Stash
US finance app with guided investing, banking and retirement planning
✓ Guided investing with personalized recommendations
✓ Stock-Back program: earn stocks instead of cashback
✓ Fractional shares investing from $1
✗ Monthly fees expensive for smaller accounts
✗ No professional analysis tools
Frequently Asked Questions
Is M1 Finance or Stash cheaper?
Which broker offers more products: M1 Finance or Stash?
Which broker is better regulated?
Is M1 Finance or Stash better for beginners?
M1 Finance vs Stash: Which broker is better overall?
M1 Finance
US neobroker with pie investing, credit line and high-yield account
Open Account →From 100 $ min. deposit
Stash
US finance app with guided investing, banking and retirement planning
Open Account →From 0 $ min. deposit