What is Invstr+?

Invstr+ allows you to save, spend, and buy US stocks and fractional shares commission-free, all from the convenience of one powerful account! Get checking and savings accounts, invest at $0 commission, and enjoy financial coaching in your pocket with personalized suggestions based on your trading behavior.

I’m already an Invstr, why do I have to register again?

Since we are dealing with real money and investments, your security is even more important to us. Furthermore, we must abide by the  legal and regulatory requirement to run AML (anti-money laundering) and KYC (know your customer) checks. When these are completed, they will help us and our partners guard against white-collar crimes including money laundering, corruption, and fraud, ensuring your money is as safe as possible.

What is multi-factor authentication?

Multi-factor authentication is a way to keep your account safe so that no one else can access your account. This is done by requiring at least two pieces of evidence to prove your right to access the service – in our case a login, a verification code sent to your mobile device, or face recognition.  

Why do I have to accept so many agreements?

Invstr has partnered with different providers to bring you the best product offering in banking, investment advisory, brokerage, and cryptocurrency investing. We package all of these together under the Invstr+ brand and deliver it as a seamless, secure service to you.

Why am I being asked for additional documents?

As part of opening a bank or brokerage account, we have to follow regulatory KYC (Know Your Customer) procedures to make sure you are who you claim to be. This may require additional proof such as an ID card verification, face verification, document verification such as utility bills as proof of address, and sometimes a biometric verification.

Why should I provide information about my income and occupation?

We must understand your level of income and wealth in order to meet suitability requirements for regulatory purposes. 

Why can’t I set up my Invstr+ account with my VPN turned on?  

For security reasons, we do not allow Invstr+ accounts to be set up via a VPN.  

Why hasn’t my account been approved? 

The most common reasons for non-approval are: you are underage (you must be over 18); you have an invalid Social Security number; you are not a citizen, resident of the U.S., or don’t have a valid U.S. visa. 

Why cant I log in via social login anymore?

If you open an Invstr+ account, which requires tighter security protocols, your Invstr Fantasy Finance social login is overridden. 

Who can I contact if I have any problems?

If you have any problems with your account, please email us at


What kind of trading accounts are supported?

Only General Investment Accounts for individuals over 18. However, we plan to add Custody and other accounts in the future. 

Can I transfer my account to or from another account?

You can transfer another account in for free using the Automated Customer Account Transfer service, or ACATS. 

How do I fund my investment account?

When you open an Invstr+ account, you automatically receive a checking account with our affiliate, Vast Bank. This lets you benefit from banking services, including a debit card, and smoothly move money to and from your brokerage account. All you need do is top it up by moving money from any other account you have to your Invstr+ account. 

Please note that at the moment, you can only fund your Invstr+ account with USD. There is no account funding minimum.

How often can I trade?

There is no limit to the number of stocks you buy and sell. However, regulations prevent what is called “pattern day” trading. This means you cannot buy and sell the same instrument on the same day more than four times in a five business day period.

Why was my order declined?

Your order could be declined for multiple reasons:

As an Individual, you may have:

  • insufficient funds to place an order. (if the price spikes before market opens and you do not have enough funds in your account to cover the share order, the order may be cancelled)
  • Caused a trade violation: Good Faith, Wash Trades, Spoofing or Layering, click here for more info

The Exchange may decline it because of:

  • Instrument specific or market wide circuit breaker
  • Illiquidity of an instrument
  • Volume issues with the instrument 
  • A reverse stock split 
  • Executing brokerage unable to execute the order
How long until my money is available to transfer out?

As part of normal fraud checking procedures, it typically takes five days.

How long until my money is available to trade with?

Normally, it takes two days for funds to be made available.

What fees will I be charged for trading?

Trade commissions are FREE. However, regulatory transaction fees are applied by the SEC and FINRA. These charges are miniscule. Please take a look at the “Service Fees” for a full breakdown of all charges. 

How do I cancel a pending order? 

You can request to cancel an Out-of-Hours, Limit, and Stop Order. However, we cannot guarantee that we will be able to action your request for cancellation once submitted. You may only cancel or withdraw an Order before that Order is executed within the limitations of the Third Party Broker.

What is a stop order?

A Stop Order is an order to buy or sell a stock once the price of the stock reaches a specified price, known as the Stop Price. When the Stop Price is reached, a Stop Order becomes a Market Order and is executed at the best available price (which can be lower or higher than the Stop Price).

How do I set a stop loss?

A stop loss can be set on the Review Order screen after deciding the size of investment you will be making. Here, you can adjust the size of the stop loss by tapping the + or – tabs. 

How do I set a limit order?

We plan to introduce limit orders in the future. 

What can I invest in? 

You can choose from thousands of US-listed securities, including stocks from foreign companies that are also listed in the U.S. through American Depository Receipts (ADRs), and exchange traded funds (ETFs). You can check out our instrument coverage in the Home screen by tapping on the + button to see what’s available.

When can I trade?

Orders to buy or sell will only be executed during market hours. However Out of Hours, Limit, and Stop Orders can be placed and queued at any time, but can only be executed during market hours and when the conditions of the order are met. The largest marketplaces are the New York Stock Exchange (NYSE) and NASDAQ (based in New York City), which have normal trading hours of 9:30a.m. to 4.00p.m (Eastern Standard Time), unless there’s an early close due to a holiday.

How are my orders routed?

If your order is accepted, it will be transmitted to the third party broker for execution.

Why was my trade rejected?

Trade rejections can happen when you place an order and it doesn’t go through because none of the market counterparties will take the other side of your trade. These counterparties are known as market makers. This could be because the instrument has been suspended, or because of wild or extreme volatility, leading to the market maker being unable or unwilling to find a counter buyer or seller for your trade order. It may also get rejected if you place a stop order above the current bid price. 

What are fractional shares?

Fractional shares let you buy a company’s stock from as little as $1. It doesn’t matter what the price of the stock is. You can also buy whole shares if you prefer. 

How to initiate an ACATS?

Transferring from another broker to Invstr+ is simple. In settings tap transfer from other brokers. Depending on the brokerage, there are specific steps you will need to take. For instructions please see click here 

Do I see real time prices?

Yes. We provide real time prices free of charge. The price you see is what is known as the “Last” price – the price at which a trade has occured on the exchange from which we source the data. It is important to know that the displayed price is “indicative.” This means that your order may be executed at a slightly different rate from what you see on the app. This is because some instrument prices can change significantly from one second to another. Optionally, you can select to see the “Live” price, or National Best Bid and Offer (NBBO), which then requires the broker to execute your order at the best available ask price when buying and the best available bid price when selling. You will be charged extra for this.

How are dividends paid out? 

Any dividends paid out by a company will be paid into your account on the payment date. Dividend payments may be subject to U.S. withholding tax, which will be withheld by the broker. Withholding tax is normally 30%.

What is a “partial execution”?

A partial execution means that only some of your order got filled. Partial executions occur when there aren’t enough shares to fill your order. Partial executions occur most commonly with limit orders placed on low-volume stocks.

What happens to my stocks if a company is delisted?

When a company is delisted, its stock no longer trades. However, you do still own the same percentage of that company. If the delisting is voluntary, it’s typically because it has been acquired by another company, in which case your shares will be transferred to the acquirer company’s. Alternatively, it could be because the company has decided to go private, in which case it will offer to buy back your shares for cash. If the delisting is involuntary, typically it is because the company has gone into liquidation,in which case your shares will have little to no value.

What tax forms are generated and when will they be delivered?

For a full breakdown of which tax forms will be generated and when they will be delivered, please click here

How do I close my trading account?

In order to close your account, all your open stock positions must be sold and all cash removed. You should then contact us so we can close the account in full. 

For a list of fees, please click here


Risk Disclosure:

Invstr is not a bank and banking services are provided by Vast Bank, N.A.

Brokerage and Banking services are currently only available to U.S. residents.

Invstr app and web services are provided by Invstr Ltd. Advisory services are provided by Invstr Financial LLC, an investment adviser registered with the Securities Exchange Commission (SEC) details of which can be obtained here. Securities brokerage and custody services are provided by Apex Clearing, a broker dealer registered with the SEC and a member of FINRA and SIPC. There is no bank guarantee on securities and securities may lose value.

Investing involves risk and can lead to losses. Past performance does not guarantee future results.

Invstr app and web services are provided by Invstr Ltd. Invstr+ advisory services are provided by Invstr Financial LLC, an investment adviser registered with the Securities Exchange Commission (SEC). Securities brokerage and custody services are provided by Apex Clearing, a broker dealer registered with the SEC and a member of FINRA and SIPC. There is no bank guarantee on securities and securities may lose value. Vast Bank N.A. a nationally chartered bank and member of the FDIC, provides the banking products, including the products and services related to digital asset accounts. As with any asset, the value of Digital assets can go up or down and there can be a substantial risk that you lose money buying or holding digital assets. You should carefully consider whether trading or holding Digital assets is suitable for you in light of your financial condition. Your digital account does not support wallet to wallet transferring of your digital assets (i.e. cryptocurrencies) outside the platform. Any Digital Assets in your digital asset account are not insured by any government entities, including but not limited to FDIC or SIPC. The Invstr Visa® Debit Card is issued by Vast Bank, N.A. pursuant to a license from Visa U.S.A Inc and may be used everywhere Visa debit cards are accepted. Invstr Ltd, Invstr Financial LLC and Invstr Securities Ltd are subsidiaries of Marketspringpad Holdings (collectively “Invstr”) and Invstr is solely responsible for the application services and website content.

Watchlists provided when users first access the service are not a recommendation to invest. Instead they are provided to help users better navigate the service. Users are free to edit and create their own watchlists. From time to time, Invstr will suggest instruments solely based on an individual’s interest and the interest levels of the Invstr community. The statistical and portfolio builder models generated by Invstr do not reflect actual investment results and are not guarantees of future results. Comments provided by Invstr leaders, influencers or members of the Invstr Community are not recommendations and should not be construed as such. Invstr does not endorse the content or the positions posted by them. Their investment approach, and that of the models provided by Invstr, may be different from yours and may not be appropriate for you.