Stash Investment App Review [Is It A Good Way to Pay Yourself First?]

Welcome to my Stash Investment App Review. Are you looking to invest your money into a simple but relatively safe vehicle? You might have heard of the Stash App by Liberty? Is it really worth your while?

Is the Stash App safe? I have been using this app since last year. Let me share my experience with you. Allow me to also show you what it is that I like and what it is that I don't like about this app, so that it can help you to make an easier decision.


Before we get started you may want to take a look at the proven method that I have been using to earn a passive income online. Click on the link that follows to learn more.

NAME OF PRODUCT : Stash By Liberty App

PRICE : Free

OWNERS : Liberty Group Limited

WHAT IS ABOUT : An App that allows you to save and invest money. You can invest any amount you choose,and you can also choose to which portfolio you would like the money to go to.



Stash is an app that is offered and operated by the Liberty Group limited company.

The main idea of this app is to create a tax-free investment vehicle. The point is to get you to start investing in your future by saving small amounts of money on a daily basis.

The Stash app can be downloaded onto both Android as well as on IOS devices.

The cool part is that it does not cost you anything to join. There is no minimum amount that you have to invest to get started.

You can start from small amounts and then you can go up to a maximum amount of R 36 000 on an annual basis.

You can also choose to split your money into two different portfolios with a simple click of a button. As a result, you can also choose also what percentage of your cash you would like to split among these portfolios.


Your first step is to download the app from the Google Play store. After having done so your next step then is to create an account. You will have to supply them with a valid email address.

Stash App Review how does the Stash App Work

You would also have to create a 4 pin non-sequential password. This is what you will use to log into your app.

The final part is then to link a payment card to the app. You can always change the card at a later stage.

 The cool part is that you can link any debit, credit, or check account card.These are the merchant accounts that they accept : 

  • FNB

  •  Standard bank

  • ABSA

  • Nedbank

  • Investec

  • RMB, Capitec and

  • Discovery (only Visa and Mastercard)

 Now you are ready to start saving or investing.


 There are four main ways to which you can invest money into your account.

Stash App Review how to invest in the stash app

The first way is to stash cash every day. You can choose to stash from 5 Rand up to 100 Rand per day.

The second way is to stash cash on sunny days. The app records what the weather is like in your specific area. If it is a sunny day, your credit card will be charged with the amount that you specify.

Stash Investment App How to invest your money into the Stash App

The third way is to stash cash when you sweat or have a workout.

 One drop stash is 5 cents for every

  • 20 calories

  • 20 seconds of activity

  • 100 meters

  •  100 steps

However, in order to use this feature, you would have to sync another app which is called Google fitness to have the Stash App record the relevant data.

Then the final way is to boost your Stash. At the end of the month you can boost or inject money into the account. You can boost from 0 Rands up to 1000 Rands.The choice is really up to you.

Cool so now that you know how it works, where actually does your money go?

Let me show you.

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The Stash App allows you to invest your money in two different portfolios.

You can choose,

  • The cash plus balance, or 

  • The top 40 shares balance.

The cash plus balance is more like a savings account. This is where your money is safely tucked away in a low-risk sector.

The top 40 shares are where your money is invested in some of South Africa's biggest companies.

As these companies grow so does your cash. Having said that, it is safe to say that if these companies should not perform well then neither will your stash.

That is why one of the really cool features about the Stash App is that you get to control over how you want your stash to be split. 

Take a look and see what I mean below.

The image above shows that I have split my ‘stash’ in a 25/75 ratio. You can choose to split your money into any ratio that you feel most comfortable with.

However, you can only do the switch once every 90 days. 

Before we take a look at the pros and cons there is one important thing that you need to know.

Let's say that you have accumulated a substantial amount. Now your intention is to transfer this money into another investment vehicle.

They have a client transfer form. This allows you to easily transfer your investment into another investment vehicle of your choice.

Another important document that will serve your loved ones will be the 'death withdrawal form.'

In the event of your passing, they need to fill out this form which will allow them to access your balance.


 It's free, it's easy to use and it's fun.

No minimum investment needed.

You can save up to R36 000 per year.(TAX-FREE)

They have a cool referral program


 You have to install another app to activate the fitness part of this app.

It's not clear if there are any charges incurred for withdrawing your money.

You can change your portfolio only once every 90 days.

Should you decide to cash out it will take seven days for the money to reflect into your account.


I first uploaded the Stash App last year and to be honest with you I did not pay much attention to it. Then this year I was looking for something where I could invest 10% of whatever my business was earning into a separate account.

I did not want the hassle of having to go to the bank and to follow all those time-consuming procedures. I found that with this cash app it made my needs much more easier.

If you want to pay yourself first I think that this app is a great way to get started. With the boost feature, it makes it really simple to activate 10 or 20% of your earnings to be tucked away.

In this way, you are making a commitment to investing in yourself first before everything else and before all the dreaded bills come your way. This can really make a difference as time goes on.

>>>Use My Code : ROO2231, when signing up to the STASH APP<<

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You see, I strongly believe that if you want to earn a passive income online you can do it. It is all about investing the time, the energy and effort into your own online business.

I started as a complete newbie, and you can do it as well. I would like to show you the exact method that I have used to getting there. Let me help you to get started in online world.Click here to get started.

 I hope that this review has helped you out.

 Looking forward to hearing from you.Wishing you a fantastic year of saving, investing and abundance.

 Kind Regards and Take Care 


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