Appworthy
Hard to cancel
2 independent sources agreeHard to cancel: raised by 8 distinct reviewers (about 1 in 60 reviews we read)
Definition
Cancelling the subscription is blocked, hidden, multi-step, or simply does not take effect.
App Store rating4.7★311.5K ratings
Google Play rating3.7★105.7K ratings
PriceFreeListed price
Age4+Store age rating
Size204 MBiPhone download
CategoryFinance
DeveloperStash Financial, Inc.
What we found
Full reportSerious warnings 1 confirmed warning, and users report 1 more thing. Checked: 480 reviews, the Android app’s code, the store listing and the privacy label.
Money
- Free to download.
- Hard to cancelConfirmed
- 21 users report price risesNot confirmed · about 1 in 23 reviews we read
Positives
From our automated analysis, 30 Oct 2026. Every label links to its evidence in the full report below.
This analysis describes version 4.107.3.0 of the app (the version number recorded inside the package we inspected), analyzed 2026-10-30 .
The store currently lists version 4.131.1.0, updated 2026-10-15.
Preview
Store screenshots supplied by the developer.
About this app
Invest with confidence—expert-built portfolios, guidance, and automation
Stash is the investing app that helps everyday Americans make their money work harder. Whether you're planning for retirement, building a safety net for the future, or investing for the first time, Stash combines expert-managed portfolios with powerful automation and personalized guidance to help you stay on track.
As a Registered Investment Advisor (RIA), we act in your best interest—like the financial pros wealthy people hire, but built for real working people. With Stash, you’ll invest smarter, not harder, using the same long-term strategies professionals trust.
Automated investing, managed by experts
Smart Portfolio takes the guesswork out of investing with expert advice. Stash builds and manages a diversified portfolio designed to build wealth over time.…
From the developer’s store description.
For developers and the curious
The full report
The evidence, sources, measurements and versions behind every label above.
Findings and evidence
Things to watch for 1
Findings that met the published evidence standard.
Open evidence
Positives 2
Specific evidence of a useful property, within the stated scope.
No advertising SDKs
MeasuredNo advertising or mediation SDK among the 10 SDKs detected in the package
Definition
No advertising or mediation SDK of any kind was found in the package.
How we know
Package artefact
sha256:0349563f8b2dd9e2e09e50ab6115c59e71791dd540dade9cf199f0b6c6163034Developer says data deletion can be requested
MeasuredThe developer's store data-safety disclosure states that data deletion can be requested; we have not seen a deletion control in the app's own text
Definition
The developer's data-safety disclosure on the store states that users can request deletion of their data, or the app's own text offers a way to delete the account. This restates what the developer declares; it is not a test of whether deletion works. Apple publishes no equivalent disclosure, so on an Apple-only listing only the app's own text can support it.
One source only — shown, not confirmed 6
Open observations that have not cleared the evidence bar.
Price keeps rising
One source onlyPrice keeps rising: raised by 21 distinct reviewers (about 1 in 23 reviews we read)
This observation has not cleared the required evidence standard.
Definition
The price of the paid tier has been raised on existing users.
How we know
Trial converts to a charge
One source onlyThe app's own text says: "You won't be charged until your trial ends. If you add a debit card, you can use it to invest and add cash."
This observation has not cleared the required evidence standard.
Definition
The free trial demands a payment method up front and/or rolls into a paid subscription with no usable warning.
How we know
Package artefact
sha256:0349563f8b2dd9e2e09e50ab6115c59e71791dd540dade9cf199f0b6c6163034Pay to progress
One source onlyThe app's own text says: "Everything in Starter, plus…"
This observation has not cleared the required evidence standard.
Definition
Advancement or competition is gated behind spending money rather than playing.
How we know
Package artefact
sha256:0349563f8b2dd9e2e09e50ab6115c59e71791dd540dade9cf199f0b6c6163034Paywall blocks the basics
One source onlyThe app's own text says: "On the Starter Plan, you can invest in any of the stocks & ETF's in the Starter Collections. In order to invest in any other securities, you'll need to upgrade to Stash+."
This observation has not cleared the required evidence standard.
Definition
The core of the app — not extras — sits behind payment, or previously-free function moved behind a paywall.
How we know
Package artefact
sha256:0349563f8b2dd9e2e09e50ab6115c59e71791dd540dade9cf199f0b6c6163034Usable without an account
One source onlyThe app's own text says: "Apex Securities Lending Agreement and Disclosure"
This observation has not cleared the required evidence standard.
Definition
The app's own screens offer a way past sign-up — guest access, skipping, or browsing before registering — rather than gating the product behind an account. The store's privacy disclosure is checked alongside it: that disclosure is self-reported, so it corroborates this credit rather than establishing it.
How we know
Package artefact
sha256:0349563f8b2dd9e2e09e50ab6115c59e71791dd540dade9cf199f0b6c6163034Works offline
One source onlyThe app's own text says: "Pull to refresh"
This observation has not cleared the required evidence standard.
Definition
The app's own copy describes working without a connection — offline mode, downloading for offline use, or content saved for later. Shown because readers filter on it; it is a feature, not a fairness property, and never counts for or against an app.
How we know
Package artefact
sha256:0349563f8b2dd9e2e09e50ab6115c59e71791dd540dade9cf199f0b6c6163034What reviewers report
480 reviews read for this analysis. Each observation keeps the sample and store it was based on.
Hard to cancel
Published findingI have canceled this subscription multiple times yet they still taking a monthly fee out of my account... they make it impossible to cancel
Horrible! I thought this was a nice app/idea until, without warning the monthly fee went from $3 to $13. Then, trying to cancel/close out my account was a nightmare. Obviously not easy so they can keep taking your money. The home page…
cost jumped to 12$ a month and they made it very difficult to cancel my plan considering I didn't have anything in the account? I had to reset up all my banking information even though they already had it and had been taking money for the…
Price keeps rising
Shown, not confirmedI've been using this app since 2017. Cruised along. Liked how I could navigate the windows, the articles, how it was easy to transfer funds. I also liked how it was $3 monthly to invest. Until today, when I opened my account and saw that…
Used this app for 10 years and thought it was a great way to get into investing. The basic plan used to be $1.00 a month then $3.00 a month. Now without warning they raised the price to $12.00 a month a 400% increase without even letting…
3rd update I cant access my documents after i transfered my account. they wont email me a copy of the 100 transfer fee. they want to rob me of another 5 dollars to send it to me in the mail. DONT USE I am with everyone else dont use stash…
A sampled review illustrates one person’s experience. It does not establish a finding on its own.
Measurements
“Not assessed” means we could not measure it. It is never a zero and never a pass.
From store data and reviews
Developer replies to reviews
Replies to at least 1 review in 20
Price in the store description
The store description lists a price and how often it bills
Cancelling, in the store description
The store description doesn’t say how to cancel (most don’t)
Themes reported by reviewers
2 themes reported
Counted from the reviews we have read for this app. "No theme reported" means no theme reached our reporting threshold — it is not a finding that nothing is wrong with this app, and we do not say it is.
Five-star share of ratings
65–79% five-star
Arithmetic on the stores' own published rating counts. It says nothing about why the ratings fall where they do.
In the app package we scanned
Android package 4.107.3.0, scanned 20 Oct 2026. These describe that package, not the current store version.
Sensitive permissions
6 or more requested
Counted against a fixed list of eighteen sensitive Android permissions: sixteen runtime permissions, among them location, camera, microphone, contacts and SMS, and two the user must switch on in system settings, drawing over other apps and usage access. Requesting one is not itself a finding.
Analytics or tracking SDKs in the scanned package
3 or more found
Advertising SDKs in the scanned package
None found
Counted as distinct SDKs in the package we scanned. One mediation bundle can contribute several, so this is not a count of advertisers.
How we know
Supporting measurements: not a complete list of possible harms or positives. Measurement vocabulary 1.4 · how these are measured
Versions and dates analysed
This analysis describes version 4.107.3.0 of the app (the version number recorded inside the package we inspected), analyzed 2026-10-30 .
The store currently lists version 4.131.1.0, updated 2026-10-15.
Store update history
Each store’s release notes, as the developer wrote them. They are the developer’s words, not ours.
App Store
Version 5.0.8 · 2026-10-27
Squashed bugs that were impacting feature functionality, providing a better app journey.
Google Play
Version 4.131.1.0 · 2026-10-15
No release notes were provided for this version.
Version 4.131.1.0 · 2026-09-29
No release notes were provided for this version.
Version 4.129.0.0 · 2026-09-29
No release notes were provided for this version.
Assessment record
- Status
- Automated analysis
- App identifier
stash-apple-1017148055- Assessment date
- 30 Oct 2026
- Sources used
- 6 independent signals: user reviews, SDKs in the app package, the app's own on-screen text, the app manifest, the store listing and the store privacy disclosure
- Reviews read
- 480
- Package examined
- Android · 4.107.3.0 · scanned 20 Oct 2026
- Human inspection
- Not completed
Assessed 2026-10-30 from 480 user reviews, the app's package, the store listing and its privacy label.
How we know
- Measurement vocabulary
- 1.4
How this page was produced
Analyzed 2026-10-30 Version analyzed: 4.107.3.06 independent signals480 reviews scannedConfidence: HighNot human-reviewedVocabulary v1.14Methodology v1.3
Signals run: user reviews, SDKs in the app package, the app's own on-screen text, the app manifest, the store listing and the store privacy disclosure.
Store facts
What the stores publish. Store ratings are the stores’ numbers, not Appworthy’s, and are never averaged across stores.
App Store
- Store rating
- 4.66 ★ · 311,481 ratings
- Version
- 5.0.8
- Updated
- 27 Oct 2026
- Price
- Free
- Age rating
- 4+
- Size
- 204 MB
Google Play
- Store rating
- 3.68 ★ · 105,720 ratings
- Version
- 4.131.1.0
- Updated
- 15 Oct 2026
- Price
- Free
- Age rating
- 4+
- Size
- Not supplied
- Developer
- Stash Financial, Inc.
- Category
- Finance
- Listing price
- Free
No itemized purchase list is available for this listing.
Method and limits
How the automated analysis works
This assessment is produced automatically. Six independent signals are read — user reviews, SDKs in the app package, the app's own on-screen text, the app manifest, the store listing and the store privacy disclosure — and each candidate finding is filed under the sources that support it.
No charge stands on one kind of evidence — with one published exception. A finding is either a measured fact that anyone can reproduce (an ad SDK is in the package; every recurring plan the store lists is named as weekly, the term read from the purchase names, with a list cut off at the store’s 10-item maximum not assessed; the privacy label omits a tracker we can see), or it is an interpretation — and an interpretation needs independent sources to agree before it reaches the catch list. The exception is a harm only users can see: a charge may publish from reviews alone, as “Reported by N users”, once enough reviewers raise it to clear that charge’s own published bar. That agreement rule is what replaced the human reviewer, not a model’s confidence.
There is no overall score, on purpose. A 0–99 number was published here until 2026-09-15. It was withdrawn because it discriminated too weakly to be the instrument — 44.7% of every pair of apps tied — and because a single number is a verdict where a count is an observation. What publishes instead is a row of measurements, each of which says what was counted and, where we could not look, says that instead.
Findings under One source only are real reports we do not stand behind as findings. They are shown because withholding them entirely would hide a genuine complaint, and labelled because publishing them as charges would be an accusation off a single source.
Limits of this report
- A package scan is static. It identifies code and text in one Android build. It does not measure a live ad session, test a deletion request, or count the steps needed to cancel.
- Reviews keep their sample. A review-only charge shows distinct reviewers, the share and the sample size, and is published only once it clears that label’s published threshold. Calibration labels are machine-drafted and not yet confirmed by a person.
- Not assessed is a state. It is never a zero and never a pass.
- A missing label is not a clean bill of health. It means the evidence did not support one, not that the app is problem-free.
Not yet human-reviewed. A hands-on test can confirm or contradict a finding and adds its own measurements; it does not change a measurement row. Hands-on inspections are not yet open.
Request a correction
Write to [email protected], or use the form. Name the finding, the app version and the evidence that needs correcting. Factual corrections are free and never depend on buying anything.