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Pick the 100-envelope, 52-week, or a custom challenge. Each day, tap "Open a random envelope" (or pick one), then move that amount to your real savings. The board fills in as you go.
No. Stash never touches your bank or your money. It is a tracker. You move your own funds to your own savings account.
Only on your device. Nothing is uploaded. If you delete the app, your data is deleted too.
Yes, Stash supports multiple currencies including USD, EUR, and PLN.