SoFi: One-Stop-Shop Finances 4+

Bank. Borrow. Invest. Crypto‪.‬

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 2.00% 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

INVESTMENT PRODUCTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE Terms and conditions apply. Loans originated by SoFi Lending Corp. or an affiliate. CFL #6054612, NMLS #1121636 ( Equal Housing Lender. Brokerage products offered through SoFi Securities LLC, member FINRA/SIPC. SoFi Checking and Savings is offered through SoFi Bank, N. A. Member FDIC.Advisory services are offered through SoFi Wealth, LLC an SEC-registered Investment adviser. [job code]

**SoFi members with direct deposit can earn up to 2.00% annual percentage yield (APY) interest on all account balances in their Checking and Savings accounts (including Vaults). Members without direct deposit will earn 1.00% APY on all account balances in Checking and Savings (including Vaults). Interest rates are variable and subject to change at any time. Rate of 2.00% APY is current as of 08/12/2022. 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’s Relay tool offers users the ability to connect both in-house accounts and external accounts using Plaid, Inc.’s service. The credit score provided to you is a VantageScore® based on TransUnion™ (the “Processing Agent”) data.

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 2.123

We've made a bunch of bug fixes and improvements to help get your money right. It all adds up. Something else you'd like to see? Tell us more at

Ratings and Reviews

4.8 out of 5
186K Ratings

186K Ratings

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.

a true believer. IPOE/SoFi ,

Sofi invest update

I know this is a lot but I think you should try a crypto car. The user would have a crypto portfolio in that portfolio her can have whatever crypto he/she wants. And as many (at least 5). Then a user fills that portfolio with money not the currency. The app then calculates how many shares they will get for each share. Like a 24/7 currency monitor that will always reflect whatever dollar amount he/she has in the “SoFi Crypto” accnt. Then he or she can make purchases and sell with crypto with everyday purchases. Once your a bank you’ll be the first with this
Imagine to be able to not even exchange coin because “Sofi Crypto” is the wallet. You just link your accnt or transfer any other sofi accnt, fund the crypto and go. Since you guys are all about learning you can persuade them by teaching people to sell and trade with Bitcoin is an investment. Yes at times a risky one. But luckily enough there’s more than one coin. And that’s where you can lure them. It can be a safe haven for your money. So instead of risking your money on one coin, Sofi Crypto will hold 5 coins of your choice and. Your amount in coin will reflect the amount of money in accnt/ portfolio

Also add a dark mode to your app and a beginner and professional tab on your invest app to allow for more and better details on charts stocks the obviously options.

Developer Response ,

Thank you so much for your clear and honest feedback! We would be happy to share this with our product management team for consideration. Please contact us at if you have any other feedback or suggestions you would like to provide.

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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