SoFi: Mobile Banking App

28.7K reviews
Content rating
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image

About this app

SoFi is mobile banking made easy. If you’re interested in investing, you can get up to $1000 in free stock when you fund a SoFi Invest account. Our app enables you to pay bills, find ATMs, send money, make mobile deposits, and more.

- SoFi mobile banking users can earn up to 4.30% APY on their checking and savings accounts.*
- Discover mobile banking with all the features of a big bank without account fees.
- Banking with SoFi gets you paid up to 2 days early when you set up direct deposits.**
- Enjoy easy banking with over 55,000 fee-free ATM locations.
- Earn unlimited 2% cash back rewards with your SoFi Credit Card^^

Investing with SoFi gets you more.
- Get up to $1000 of stock when you fund a SoFi Invest account.
- Invest in popular financial products like stocks, ETFs, and IPOs with zero commissions.***

Automate your investing with no SoFi management fees.
- Save and invest in your future with SoFi IRAs and other retirement products.
- SoFi’s user-friendly trading platform allows you to buy and sell options online.

Better banking and financial health begin with SoFi.
- Experience zero account fees and no fee overdraft coverage.****
- Use our banking app to view upcoming bills to ensure you never miss a payment.
- Our mobile banking app gives users insights into their spending habits.
- Banking with SoFi enables you to monitor your credit score at no cost.
- SoFi Plus enables our direct deposit users to earn more, save more, and access more.

*SoFi members with direct deposit can earn up to 4.30% annual percentage yield (APY) on savings balances (including Vaults) and 1.20% APY on checking balances. There is no minimum direct deposit amount required to qualify for the 4.30% APY for savings. Members without direct deposit will earn 1.20% APY on all account balances in checking balances and savings balances without direct deposit (including Vaults). Interest rates are variable and subject to change at any time. These rates are current as of 6/9/2023. There is no minimum balance requirement. Additional information can be found 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.

***Investing in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. For a comprehensive discussion of these risks please refer to SoFi Securities’ IPO Risk Disclosure Statement.

****Overdraft Coverage is limited to $50 on debit card purchases only and is available to customers with monthly direct deposits of $1,000 or more. Members with a prior history of non-repayment of negative balances are ineligible for Overdraft Coverage.

^^See Rewards Details at
Fixed rates from 8.99% APR to 23.43% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of and are subject to change without notice. The average of SoFi Personal Loans funded in 2022 was around $30K. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.

Better banking and investing starts with SoFi.

Support: Call (855) 456-SOFI (7634) or chat with us online at



Banking with SoFi means 2-day-early paychecks with direct deposit and automated saving features to help you plan your future. Investing in options has also never been easier, thanks to SoFi’s contract fee-free platform.
Updated on
Jun 9, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info, Financial info and 5 others
This app may collect these data types
Personal info, Financial info and 5 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

28K reviews
Alan Coe
June 1, 2023
I have to close 4 full page advertisements everytime I log into my banking app before I can use it. Every single time, if you log out and back in 10 minutes later you have to see them again. Incredibly frustrating, there's also a second login screen that pops up after the first one telling me to create an account when I've already logged into the one that I have.
28 people found this review helpful
Did you find this helpful?
Social Finance, Inc.
April 11, 2021
Thanks for the honest review. We recommend checking your push notification preferences as these are typically faster than system-generated emails and can alert you to things like price changes on stocks in your watchlist/holdings by 5% or more, or they can just as easily be disabled to hide unwanted content. Questions? Call us at 855-456-7634.
Eldon Graham
April 22, 2023
Sofi is great. The ap is very easy to navigate. From new credit cards to investing, it's all here, and it's made so anyone can understand how to get from a to z no matter what your experience with technology may be. The ap breaks down spending into different categories so you can easily see where your money is going at all times. The information that it provides on so many different levels is amazing, from how to build credit all the way to investing in stocks and bonds.
72 people found this review helpful
Did you find this helpful?
Aiden Zimmermann
June 7, 2023
Banking is great. The app is horrible to use. It keeps freezing up my phone. Can't even use the back button to get out. I have to close SoFi from the list of running apps. Just not working. Only freezes on the home screen of the app, not on login or anywhere else.
1 person found this review helpful
Did you find this helpful?

What's new

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