Stockpile: Smart Investing and Money Skills for Kids & Teens
Share Product:
Stockpile: Smart Investing and Money Skills for Kids & Teens
Stockpile is the smart way for families to teach kids and teens how to save, invest, and spend—offering fractional shares, debit cards, up to 25% off college tuition, and a built‑in learning experience.
Some products on phroogal.com may include affiliate links — learn how we make money.
Stockpile: Smart Investing and...
What Is Stockpile?
Stockpile is an app-based investing and money management platform designed for families.
It offers custodial accounts for minors under 18 where kids can invest in over 3,000 stocks and ETFs starting from $5.
Stockpile Overview
| Offer | Best For | Minimum | Fees | Action |
|---|---|---|---|---|
| Family Investing & Debit | Parents teaching kids real‑world finance | $0 to start investing | From $4.95/mo | Get Stockpile |
How Stockpile Works
Parents maintain control, approve trades, set allowances, and track spending—while teens can build financial confidence and even save on college tuition through the Tuition Rewards® program.
- Create Your Family Account: Parents open a Stockpile account and add up to five kids under one plan.
- Fund & Manage: Link any U.S. bank to fund investing, savings vaults, or use the debit card.
- Invest Together: Kids can select investments; parents approve fractional trades starting from $5.
- Debit Card Spending: Family Plus unlocks UV‑light debit cards for kids with parental controls and real‑time alerts.
- Tuition Rewards®: With Family Plus, earn up to 4,800 points per year—transferable and redeemable for up to 25% off tuition at ~500 colleges.
Key Features & Benefits
| Feature | Benefit |
|---|---|
| Fractional Investing | Buy stocks/ETFs with as little as $5—no need for full shares. |
| Custodial Accounts | Parents control trades while kids learn by participating. |
| Debit & Savings Vaults | Kids earn 2.00% APY in savings and use spending cards under parental oversight. |
| Gift Cards | Family and friends can send gift cards to purchase stocks. |
| Tuition Rewards® | Earn and transfer points worth up to $4,800/year; stack to save 25% on college tuition. |
| In-App Learning & Tips | Integrated lessons, market news, and personalized recommendations make teaching easier. |
Who Stockpile Ideal For
- Parents who want to actively teach kids about saving, investing, and budgets
- Teens ready to manage their own card & investments safely
Pricing & Plans
- Family Base ($4.95/mo or ~$47.45/yr): Investing, recommendations, learning tools, up to 5 kids.
- Family Plus ($9.95/mo or ~$83.40/yr): Adds debit card, savings vaults, and tuition rewards.
- No Trading Commissions: $0 stock and ETF trades. Crypto trades include ~1% fee.
Trust & Security
- Registered with SEC, member of FINRA and SIPC. Accounts insured up to $500K (including $250K cash).
- Debit & savings accounts issued by Green Dot Bank, FDIC‑insured.
- App rated 4.7 on App Store (56K+ reviews), 3.2 on Google Play (9K+ reviews).
- Secure: 2FA, real‑time alerts, parental locks and fraud prevention.
Frequently Asked Questions
Is Stockpile legitimate and secure?
Yes—Stockpile is SEC‑registered and SIPC‑insured. Green Dot Bank provides FDIC coverage for cash.
Can my child legally own stocks?
Yes. Custodial accounts mean kids legally own investments, while parents maintain control.
What is the Tuition Rewards® program?
Tuition Rewards® is exclusive to Family Plus members—200 points monthly + bonus on annual renewal. Points = $1 discounts, up to ~25% off tuition at ~500 participating schools.
Are there monthly or trading fees?
Stock and ETF trades are free; crypto trades have ~1% execution fee.
Can I support multiple kids under one family plan?
Absolutely—add up to 5 kids per plan and track them all in one dashboard.
Ready to Start Teaching Smart Money Habits?
Empower your kids to save, invest, and spend confidently—while building toward college savings.
| Account Types | Custodial |
|---|---|
| Features & Access | Debit Card, Educational Resources, Savings Goals |
| Fees & Pricing | Flat Monthly Fee |
| Investment Options | ETFs, Stocks |
| Minimum Deposit | $1–$99 |
| Perks & Value Adds | Rewards & Cashback |
| Platform Type | App Only |
We appreciate your honest feedback. Share your real experience to help others make confident money decisions.
Chris Bires –
NO PHONE NUMBER FOR CUSTOMER SUPPORT.
When they instituted an annual fee I transferred my accounts out to another free broker. They liquidated the partial shares, took $75 from EACH account, and then closed/restricted my accounts. I need the tax and transfer documents to get a fee reimbursement from the incoming brokerage, but stockpile won’t provide them. Why would they? AVOID THIS PLACE. Use a larger broker with a customer service department.