Step: The All-In-One Money App

Step Mobile, Inc

About this app

Step is the ultimate all-in-one money app for Gen Z. Build credit for free, borrow money when you need it most with no interest, earn cash playing games & taking surveys, and unlock 4% on your savings—all in one app that is trusted by over 6.5 million users. 
Build credit, save money and get ahead starting as early as your first paycheck. Step is financial independence at your fingertips. 

Why Step:

BUILD CREDIT FOR FREE: The average Step user boosts their credit score by 57 points in their first year. 

EARN OVER $200/MONTH: Get paid to play games, take surveys, and more.

CASHBACK ON EVERY PURCHASE: Get at least 1% cashback on every card purchase and up to 10% at rotating merchants.

EARN 4% ON YOUR SAVINGS: Unlock one of the highest savings rates in the country, FDIC-insured up to $1M.

GET UP TO $250 WITH STEP EARLYPAY: Don’t wait for payday. Get fast cash when you need it most. No interest. No stress. Just set up direct deposit to get started.

More Reasons to Love Step:
1. Free credit building at any age
2. A rewards card with $500+ in perks and rewards
you don’t have to qualify for 
3. Safe and secure with built-in fraud protection with Visa’s Zero Liability Policy
4. Merchant blocking features • No security deposit, no interest and no hidden fees



*Step is a financial technology company, not a bank. Banking services provided by Evolve Bank & Trust, Member FDIC.

**Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use.

***Early access to direct deposit funds depends on the timing of the submission of the payment file from your payer. These funds are generally made available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

The availability and amount of Step EarlyPay loans are subject to your eligibility and creditworthiness. Minimum Step EarlyPay loan amount is $20, and maximum amount is $500. Instant Transfers are available for a fee. Instant Transfers typically occur in seconds, but may take up to 30 minutes.

Average credit score increase is based on analysis conducted by TransUnion based on 594 Step users aged 21-27 with a positive increase in their credit score within a 360-day period beginning from the first instance of Step reporting to the credit bureau.

Unlimited cashback and 4% on savings requires Step Black enrollment, either through qualifying direct deposit or paid monthly membership.

Ability to earn $500+ in the form of credits on purchases or statement credits for purchases with select Step Black partners, as will be advertised. Step does not provide, endorse, or guarantee any third-party product, service, information or recommendation listed above. The third parties listed are solely responsible for their products and services, and all trademarks listed are the property of their respective owners. Enrollment may be required.

Ratings and reviews

The Step app seems to be ok. There was an unauthorized transaction on my account and they immediately gave me a provisional credit. They worked very efficient and effective on my dispute.. Ended up winning and my account was never closed. The only problem i seem to find in the app. is the limited transfers to linked banks. All in all i give it ☆☆☆☆. I would recommend it but it wouldn't be my first recommendation.

loveeeeee this app. I like that you get points on every purchase that you can turn into money/gift cards. I love that it shows your credit score. overall just a short helpful banking app. you can even make money (points) without spending a dime by playing games or doing surveys! it's nothing like THOSE survey and game apps that 'pau' you. if you know, you know.

Great app. My main gripe with it is the limit on what you can take out of your account at a time. Having a $3k monthly limit for withdrawing money is excruciating low, and makes it feel pointless to save for bigger things due to the restriction. I'm going to have to find a different bank because of this; it simply isn't reasonable to longterm save with Step. (Not to mention quite a few retailers don't accept Step as a payment method, so withdrawing the money is a necessity a lot of the time)