Stash

Stash works on the same basic mechanic as other round-up apps, rounding debit card purchases up to the nearest dollar and investing the difference, but it splits the money across fractional shares you pick yourself rather than only a pre-set portfolio. The feature that sets it apart is Stock-Back, a rewards program that pays out a small slice of stock in the company you just bought from (or a related fund if that company isn’t public) instead of cash back on eligible purchases.

The Stash Plan costs $12 a month and bundles the investing account, a bank account with Stock-Back rewards, and a small amount of life insurance coverage into one subscription. Grab Holdings announced plans to acquire Stash in February 2026, and the deal had not closed as of this writing, so terms could shift once it does. It fits people who want their everyday spending to nudge them toward owning specific stocks, not just a generic diversified fund.