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Step gives families and teens the tools to manage their money to become financially literate and independent at an earlier age. Sign up for your first bank account and spending card in minutes.

Get your allowance, shop with your personalized Visa Step Card, get spending notifications, send and receive money with family and friends instantly and never pay outrageous banking fees again.

- Apple Pay
- Customize your own Visa Step Card
- Send and receive money instantly
- FDIC insured bank account
- Track your balance in the app
- Shop online
- No monthly fees, no overdraft fees
- Earn unlimited rewards for referrals

Convenience for parents:
- Send money to your teens instantly
- Use Step for your teen’s allowance
- Visibility into your teen’s spending
- Connect your existing debit card, bank account or other apps for instant transfers
- Teach financial literacy

What’s New

Version 2.3.3

Fresh out of the oven with a hot new release:
∙ Quick access right from the home screen to common actions, such as adding or withdrawing money, managing your Step Card, or to setup recurring payments.
∙ Getting back into your account is easier than ever, when you link a verified email, or sign in with Apple or Google.
∙ You can now setup a passcode for your Step app, so securing your account is easier than ever!
∙ More options for choosing where to ship your Step Card.

Ratings and Reviews

4.7 out of 5
14.9K Ratings

14.9K Ratings

cloudytings ,

This app is one of a kind!

Ok this app is AMAZING!!! I’m 14 and me and my friends find this app so helpful, we like to go shopping together a lot and obviously can’t bring our parents cards with us because it’s theirs, so we usually need to carry all of our money and we are always losing it, then we have to recount and all of that but STEP!!!! Step came into our life’s and we are SO THANKFULL!! And our cards came into the mail pretty fast! My parents can send me money and I can send money back! Same thing we my friends too! And also if you are a teenager and want to download STEP your going to need parent approval and you parent has to get the app also they they know what you spend your money on and who sends you money and also what money you send!! Overall this app is the best! Cash app and Venmo all have fees when STEP doesn’t!!! I hope this review helped because honestly from my experience you should 100% GET THIS APP!!!!!!

Developer Response ,

Hey, cloudytings! Thanks so much for taking the time to share your feedback with us - we’re so glad you’re loving Step! We’re happy to have you as part of the #StepFam! 💙💗💛

det234456 ,


The step card is the absolute best thing ever. I’m 16 and there’s not many options banking wise for me due to me being under 18. I love step because there’s seriously NO hidden fees. Everything is free from getting the card to actually putting money in your account. It’s super easy to use, it takes 2 seconds for me to add money from a debit card. Another one of my favorite things about step is that my parents can send me money instantly, I don’t have to use their card anymore to make online purchases or to buy things in the store. I just started working at my first job about 2 weeks ago and now I can even cash my checks in on step or use direct deposit! Guys, if you’re thinking about whether you should make a step account, do it, do it, do it!!!

Developer Response ,

This is what we love to hear, det234456! Thank you for being a part of Step 💙💗💛

Shdjfidbdiskfbdiekd ,

Too many issues

When I first started using the app I didn’t have any issues. The most I kept in my account was around 30 bucks. I had used my moms PayPal to find my account and worked perfectly fine. The second time I used PayPal, I funded $80 into my account. They flagged that transaction as “suspicious activity” and blocked my account from actions. IT HAS BEEN TWO MONTHS. I cannot take the money out, spend it, or add more funding. They requested proof of the PayPal transaction and a form of identification from my sponsor. My sponsor sent the requested documents and they keep asking for more personal information. It is very frustrating having money that I cannot touch. It all feel like a scam and like they just want to steal your money. If I ever get my money out, I’m never using this app again. There is just too many issues and personal information is always being asked for. Nothing is ever enough, more and more just keeps being requested to “lift limitations”. I don’t recommend this app. Please save yourself from the countless headaches. I hope I’m finally able to have my limitations lifted. They deserve zero stars.

Developer Response ,

Hi there, we’re sorry to hear this. It sounds like your account may have been been limited as part of our safety review for your protection. As your account security is our highest priority, the Step Safety team will reach out to the email address we have on file to collect additional documentation if we haven’t already. Please be sure to follow up with us there by replying directly to our email. Thank you for your patience and understanding!

App Privacy

The developer, Step Mobile 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 Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Linked to You

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

  • Purchases
  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

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


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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