SoFi: One-Stop-Shop Finances 4+

Bank. Borrow. Invest. Protect‪.‬

Social Finance, Inc

    • Free



SoFi is a one-stop shop for your finances, designed to help you Get Your Money Right®. Save, spend, earn, borrow and invest—all in one app.

Download the SoFi app, invite your friends and earn rewards.

Manage your money, invest and trade, check your rates and apply for loans. Do everything in one place.

When you save with SoFi Checking and Savings, you can earn high interest on your balances—up to 3.75% APY.**

SoFi Invest lets you trade crypto, invest in stocks, retirement funds and more. Trade crypto and get up to $100 in Bitcoin!***

Pay zero account fees with SoFi Checkings and Savings, which includes no annual, overdraft or other account fees.****

Get your paycheck up to two days early***** and save money effortlessly with automatic savings features.

Full disclosure can be found at the end of the App Store screenshots. Swipe to view disclosure or visit

Terms and conditions apply. SoFi Checking and Savings offered by SoFi Bank, N.A. Loans originated by SoFi Bank, N.A., NMLS #696891( Equal Housing Lender. Brokerage products offered through SoFi Securities LLC, member FINRA/SIPC. SoFi Securities LLC is an affiliate of SoFi Bank, N.A. Advisory services are offered through SoFi Wealth LLC, an SEC-Registered Investment Adviser. SoFi Bank, N.A. Member FDIC. ©2022 Social Finance, Inc. All rights reserved. Information as of Nov. 2022 and is subject to change. BK22-1031513

**SoFi members with direct deposit can earn up to 3.75% annual percentage yield (APY) on savings balances (including Vaults) and 2.50% APY on checking balances. There is no minimum direct deposit amount required to qualify for the 3.75% APY for savings and 2.50% APY for checking balances. Members without direct deposit will earn 1.20% APY on all account balances in checking and savings (including Vaults). Interest rates are variable and subject to change at any time. These rates are current as of 1/4/2023. Additional information can be found at

SoFi Checking and Savings is offered through SoFi Bank, N.A. The SoFi® Bank Debit Mastercard® is issued by The Bancorp Bank pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

***See terms and conditions at

****We work hard to offer high interest and no account fees. With that in mind, our interest rate and fee structure are subject to change at any time. See our terms and conditions at

*****Early access to direct deposit funds is based on the timing in which we receive notice of impending payment, which is typically up to two days before the scheduled payment date.

SoFi loans are originated by SoFi Lending Corp. or an affiliate and not all products are available in all states. Additional terms, conditions, and state restrictions apply; for details. Licensed by the DFPI, CFL# 6054612. NMLS# 1121636 (

Brokerage and Active investing products offered through SoFi Securities LLC, member FINRA(

The SoFi Bank Debit Mastercard® is issued by The Bancorp Bank pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Advisory services are offered through SoFi Wealth, LLC an SEC-Registered Investment Adviser.

What’s New

Version 2.139.1

We have made improvements and fixed bugs.

Ratings and Reviews

4.8 out of 5
216.3K Ratings

216.3K Ratings

MoneyMagnet8 ,

Some Suggestions

I am currently trading in 7 platforms right now. SOFI is my second favorite platform. I came back today in Sofi to add more money to my IRA and noticed that some stocks that I have I am not able to buy it anymore. I can only sell it but then I realized why I can’t buy it anymore. Sofi actually trying to help me to not keep losing money to those stocks that became penny stocks and then later on do a 1 to 25 - 1 to 100 reverse split. Thank you sofi for saving me. 😁. I do have couple suggestions though since I have invested quite an amount here and trade. First suggestions: If SOFI could add a modification like modifying an order the amount or the price without cancelling it. It is a hassle to cancel and then redo the order. Maybe try a simple button or something that we can modify an order quicker without canceling? You know what I mean? 😁 I always have issues when I am trying to change and especially when the price went low and wanted to buy the stocks low or even trying to sell it as well. I ended up missing the opportunity on buying it when it is really low and then selling it when it is really high because you have to cancel the entire orders instead of just pressing something to modify it. Second suggestions: If Sofi make a way that we can name our watchlist by category etc… between the 2 suggestions I prefer the first one that I can modify my orders without canceling the entire orders. Other than that SOFI is a great platform and I like it.

Developer Response ,

Thanks for the review. This is very helpful. We’re sorry that you’re running into this issue. Please email and our team would be happy to help. Include your usertag and “App Review” in the subject line. Thanks for being a SoFi member!

emeza1 ,

Easy navigation . Literally all my $ finances in one place.

I downloaded SoFi initially to check refinance rates for my car. Stayed for the awesome interface and services. I love that im able to track all my finances in one place. The value of my home, the balance on my robinhood, fidelity, and Bank of America accounts. My credit score. My credit card debts. All my reoccurring auto payments . It’s all here in one place on one screen. It’s incredible to see all your net worth all in one place. I received free money for opening an investment account with SoFi , so opened one as well, why not? Brokerage interface is easy to use as well. Unlike robinhood , it has a very “social media” vibe. You can add friends just like on Facebook and follow what trades they make and what positions they hold in their portfolios. There’s updated news/articles/ educational material regarding anything you’re interested in. This doesn’t feel like a banking app, it’s truly addictive like a social media app. I haven’t opened a checking or savings account with SoFi yet. It says they’re offering 1.25% apy for these accounts if you direct deposit. I don’t think I’ve ever seen any bank with that rate. I need to look more into it if there’s fine print , but it’s definitely where I’d rather park ny savings money instead of collecting dust at Bank of America . Overall a fun app. Can’t wait to see what other features get added on.

Chevvve ,

Absolute worst customer service!!!!

The one star I suppose is for the terrific interface which is simple, fun, and beautiful.
What’s lurking behind it is just plain old terrible customer service. 1-hour plus wait times to talk to the first person who can’t help you. They are the gatekeeper to the mysterious “advisor” who is the only one who can actually fix your account or make any decisions. He or she is another two hours away, but if you hit their closing time the hold music will go dead but your phone will keep running. That’s the hint that you could be on the line till next Tuesday and nobody will touch your account until they’ve gone home, slept and had a nutritious dinner and complete breakfast, walk the dog and washed the car before they will mosey on in and make you wait another three hours before the attend your life and death financial matters. I am not kidding when I say they told me I would have to WAIT 7 BUSINESS DAYS FOR AN “ADVISOR” TO CALL ME BACK!!!!
I kid you not. I swear. With no sense of irony at all they told me to fix my account to where my direct deposit would not get reject I would have to wait SEVEN (7) BUSINESS days , not just like linear days of the week to include the 48 hours of weekends, but 7 only counting M-F and excluding holidays, to fix my account to accept the money that I slave over during the week S-Sat.
Don’t be fooled by the pretty app and overspending on advertising. It’s a sham.

Developer Response ,

Thank you for your feedback. We regret to hear that your recent communication with us was not ideal and we can understand how that can cause frustration. Due to higher than normal requests, our callback time frame for an investment advisor is currently seven business days as these concerns are worked in the order they are received. We are diligently working to reduce the wait times so we can continue to serve our members as quickly as possible. If you have not done so, we encourage you to connect with our investment team at 855-525-7634 to ensure you have scheduled a callback for your concerns. You are welcomed to send us a detailed email at for potentially faster assistance.

App Privacy

The developer, Social Finance, Inc, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Contact Info
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Location
  • Contacts
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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