Compare SoFi Invest and Stash on fees, DRIP, fractional shares and research for dividend investing.
Updated August 26, 2026
SoFi Invest and Stash both court beginners with fractional shares and app-first design, but their business models differ where it counts. SoFi (4.3/5) charges no subscription: $0 commissions, no account minimum, no options contract fees, and free 30-minute consultations with certified financial planners. Stash (4.0/5) charges $3 or $9 a month, and its signature perk is the Stock-Back debit card, which pays rewards in fractional shares instead of cash back.
Both cover the dividend essentials — free reinvestment into fractional shares. SoFi gives you a per-security DRIP toggle in Active Invest and automatic reinvestment in its robo portfolios. Stash reinvests automatically in Smart Portfolio, retirement, and custodial accounts with a DIY toggle, but reinvestment takes 3–4 business days to process. Watch Stash’s stacking costs: the subscription plus a 0.25% advisory fee on Smart Portfolios once your balance passes $1,000.
A modern all-in-one financial platform combining commission-free investing with banking, loans, and complimentary access to financial advisors.
A beginner-friendly investing app with the unique Stock-Back card that rewards your spending with fractional shares instead of cash back.
| Feature | SoFi Invest | Stash |
|---|---|---|
| Our Rating | 4.3/5 | 4/5 |
| Trading Commissions | $0 | N/A |
| Account Minimum | $0 | $0 |
| Fractional Shares | Yes | N/A |
| DRIP | Free | Automatic |
| Research Tools | Basic | Basic |
| Best For | Beginners | Stock-Back Enthusiasts |
Want the full breakdown of fees, DRIP, and research tools? Read our SoFi Invest review and Stash review.
SoFi for most dividend investors. Stash’s $3/month is $36 a year — a 3.6% drag on a $1,000 balance, which no dividend yield outruns — while SoFi charges nothing monthly and adds free financial planner access and a 1% IRA match. Stash earns its fee only if the Stock-Back card and round-ups genuinely make you invest money you otherwise wouldn’t; even then, plan to graduate once the habit sticks. SoFi’s own catch is minor by comparison: log in at least twice a year to dodge the $25 inactivity fee.
SoFi. Both offer free dividend reinvestment with fractional shares, but SoFi charges no monthly fee while Stash costs $3–$9 a month — a heavy drag on the small balances both platforms attract. SoFi also reinvests dividends promptly, while Stash’s reinvestment takes 3–4 business days.
Stash charges $3/month (Growth) or $9/month (Stash+) — the old $1 Beginner plan is gone — plus a 0.25% annual advisory fee on Smart Portfolios with balances of $1,000 or more. SoFi has no subscription; its robo-advisor is 0.25% annually, and the main fees to watch are a $25 inactivity fee after 6 months without a login and a $75 transfer-out fee (Stash charges $75 to transfer out too).
Yes, both reinvest dividends free with fractional share support. SoFi lets you toggle DRIP per security in Active Invest and reinvests automatically in Automated Invest. Stash reinvests automatically in Smart Portfolio, retirement, and custodial accounts, with an on/off toggle for your DIY portfolio — though processing takes 3–4 business days.
Only as a bonus, not a reason to pay. The base rate is 0.125% — $0.125 in stock per $100 spent — doubling to 0.25% on Stash+, with up to 5% at select partner merchants. You’d need to spend $2,400 a month just for base rewards to cover the $3 subscription, so treat Stock-Back as a nudge toward investing, not a return.
Both are built for beginners — fractional shares from $5, no account minimum, and free dividend reinvestment — so the decision is about what you pay for guidance. Stash charges $3–$9 a month for its guided approach, Smart Portfolio, and Stock-Back card. SoFi charges nothing monthly and adds free 30-minute sessions with certified financial planners, a 0.25% robo-advisor if you want hands-off investing, and a 1% IRA match. For a first dividend portfolio, SoFi keeps more of your money invested.
Not sure these are the right fit? Explore more comparisons.
Investing involves risk, including possible loss of principal. Past performance does not guarantee future results. This content is for informational purposes only and should not be considered investment advice.