Editorial Team

Editorial Team

Stash vs. Unifimoney 2021

Investing can be difficult for the uninitiated. If you don't know anything about stocks and different kinds of funds, you may find it difficult to start investing and creating a portfolio. The situation only gets worse if you find it hard to save enough money to invest in the first place. 

But thanks to the rise of Fintechs, a plethora of affordable investing and budgeting apps can help you with both: finding the money in your budget to invest and creating your first investment portfolio. Stash is one app that wears both these hats. Unifimoney, on the other hand, is a full-service digital bank with a high-end robo advisor. It helps high-earning professionals grow their wealth with the power of technology. This Stash vs. Unifimoney comparison will help you decide which one is a better fit for you.

Stash vs. Unifimoney: Overview

Stash and Unifimoney are two different kinds of apps. Stash is a beginner budgeting and investing app, whereas Unifimoney is a money-management super app and a full-service online bank. And even though Stash also offers a bank account, the major overlap between the two apps is in their investment tools.


Stash is created to make saving for investments (via budgeting tools) and investing easier for a beginner. The app combines some budgeting tools that allow you to save enough money to invest, and it encourages starting investing as early as possible, even if it's with $1. This notion is endorsed by its focus on fractional shares. The app also includes a no-fee banking account, but it doesn't offer any interest on the un-invested funds in your checking account. 

Stash isn't a robo-advisor and doesn't create an investment portfolio for you. But it does make investing easier for you with its educational resources and the way it describes ETFs to beginners. With Stash, you can invest in both individual stocks (3,278 companies currently listed) and ETFs (91 ETFs currently listed). 


Unifimoney takes it a level deeper than Stash and doesn't just make investing easier for you; it makes banking and money management a breeze. Besides offering fee-free banking (if you can keep up the minimum account activity), it also offers a market-beating 0.2% APY that's twenty times more than what the largest conventional banks offer. 

Unifimoney also helps you create your investment portfolio from scratch, but it also includes robo-advisory in the mix. You can self-direct investments, but it would be a mistake not to harness the power of AI-driven robo-advisory services that rival those of exclusive trading firms. With portfolio rebalancing and a wider range of asset-classes at your disposal, you can improve your portfolio's hedging (using precious metals) and harness the potential of volatility (via crypto) for better returns. 

Stash vs. Unifimoney: Major Differences

The major differences between the two are in their approach to investment (and investment tools), range of products, and fee structure.


Stash is often compared to Acorn for its rounding up features and how the app nudges beginners towards saving and investing. But it's also comparable to the famous investment app, Robinhood, because of its self-directed investment features. 

But when we compare Stash vs. Unifimoney for investing features, Unifimoney's investment platform is on a different scale, and not just it offers a robo-advisor on top of self-directed investment, but because the robo-advisor it offers is significantly more powerful than most of its competitors. Ironically, Unifimoney solves the problem that Stash set out to solve: Helping beginners invest. Unifimoney's robo-advisor is much better at creating profitable investment portfolios than a novice investor would be (even with the help of an adequate investment platform like Stash). 

Stash delivers on its promise to make investing easier for beginners and helps them with portfolio creation. But the choices they make (even if they are based on Stash's suggestions) will only be as good as their ability to read the market. Unifimoney's investment platform (powered by Tenjin AI), on the other hand, creates a portfolio that matching your risk appetite and investment goals. And not just that. The automatic rebalancing and its proprietary market correction index ensure your portfolio is on the right track and offers adequate protection against market crashes by timely liquidating your assets.

Range of products

Stash is inherently a budgeting and investing app that now includes some banking features. It also offers a relatively unique product: the stock-back card, which, instead of earning you cashback on qualified purchases, buys stocks for you in that company (or an ETF of the merchant and product doesn't fall under a publically traded company). 

Unifimoney is a full-service online bank that offers all the relevant products, including a hybrid checking/savings account, a credit card, mortgage and auto loan products, and even life insurance (in the future). 

Stash's range of products is in-line with the goal of the app. But it also means that it can only be a part of your money management apps/software you use. On the other  hand, Unifimoney is one comprehensive super app that takes care of almost all your money management needs, i.e., from banking to investing and portfolio management, though you may need to rely on a budgeting app if you need help in that regard.


While Stash's banking and investing is fee-free and doesn't require any minimum balance, you still have to pay a flat monthly fee, starting at $1 a month. Stash Growth, which is aimed towards long-term investments, costs $3 a month and Stash+ costs $9 a month. Unifimoney has no banking costs, but you do have to pay 0.15% of Assets Under Management a year in advisory fees. Higher tiers cost $0.3% AUM and 1% AUM, respectively, but as you can see from different tiers' performance, this cost is well-justified.



Despite its limitations, Stash is a good investing app, but only if you are interested in building your portfolio with your own hands. If you like learning about stocks and ETFs and can diversify and rebalance your portfolio yourself, and want to start investing even with limited funds, Stash is a good app to try. But it's not well-suited if you want to combine all your banking and investing tools in one place. That's what Unifimoney does for you. It also takes the burden of selecting securities and actively managing your portfolio from you and does it for you. For you, the winner from Stash vs. Unifimoney depends on your investing and banking needs.

*Important information and disclaimers

The above does NOT constitute an offer, solicitation of an offer, nor advice to buy or sell specific securities. The opinions listed above are not the opinions of Unifimoney Inc. or Unifimoney RIA, Inc. but represent the opinions of independent contributors. These contributors may or may not hold positions in the stocks discussed. Investors should always independently research any stocks listed and form their own opinions, while recognizing that any investments made may lose value, are not bank guaranteed and are not FDIC insured.