SoFi: Bank, Invest & Crypto

SoFi: Bank, Invest & Crypto

Online Banking & Investing

386K ratings
2196 reviews
#21 in free Finance
💼 Business
💰 Finance
Free

Details

  • Released
  • Updated
  • April 10, 2017
  • August 7, 2026

Features

SoFi: Bank, Invest & Crypto screenshot #1 for iPhone
SoFi: Bank, Invest & Crypto screenshot #2 for iPhone
SoFi: Bank, Invest & Crypto screenshot #3 for iPhone
SoFi: Bank, Invest & Crypto screenshot #4 for iPhone
SoFi: Bank, Invest & Crypto screenshot #5 for iPhone
SoFi: Bank, Invest & Crypto screenshot #6 for iPhone
SoFi: Bank, Invest & Crypto screenshot #7 for iPhone
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About

Manage your banking, investments, and cryptocurrency all in one place. This app offers fee-free checking, high-yield savings, commission-free stock trading, and the ability to buy, sell, and hold over 25 cryptocurrencies. It also provides tools for loan pre-qualification and credit score monitoring.

Buy, sell, and hold cryptocurrency
Fee-free checking account
High-yield savings account
Commission-free stock and ETF trading
Fractional share investing
Loan pre-qualification and credit score tracking
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What users say

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+1

What's New in SoFi

3.108.0

August 7, 2026

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 mobilesupport@sofi.com.

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Charts

Top Free

📊 21

Finance

The app has maintained its position at 21 recently.

Last updated on August 9, 2026.

Events

Read more about Meet SoFi Coach™

Meet SoFi Coach™

Your smart, personal guide to getting money right.

Jul 7, 2026 Aug 7, 2026

Read more about Bitcoin Pizza Party

Bitcoin Pizza Party

Get a slice of $300K in BTC.

May 22, 2026 Jun 14, 2026

Read more about SoFi Plus Premium Membership

SoFi Plus Premium Membership

The smart way to get more from your money.

May 6, 2026 Jun 6, 2026

User reviews

App problems and more

The good thing about SoFi is that they offer many options for investing, crypto, all in one place. Their rates also good for checking and savings. The problem comes when you need customer service, in app chat, then is a big headache. Under qualified customer service, glitches in app when you try to reach support, error messages, inability to upload anything, messages of “suspicious activities” when you pay the same merchant for years which creates problems with companies you do business with because they reject a charge, dispute resolution issues, no accountability for their errors, i have never ever received pay two days earlier with direct deposit. Honestly, pretty disappointing.
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DO NOT DOWNLOAD THIS APP

IVE TRIED TRANSFERING MONEY TO MY BANK AND ITS NOT LETTING ME ADD MY ACCOUNT ITS SAYING TO TRY ANOTHER ACCOUNT. IVE TRIED MY CAPITAL ONE AND IT SAYS THE SAME THING NOW MY MONEY IS STUCK. HORRIBLE INTEREST

Over Hyped

This is definitely just another overhyped mobile banking app. It’s literally chime with a different look. They slow ash with everything even notifications come in late after transactions

Modern banking & investment app without compromises

Appreciate how things just work, there’s actually dark mode, TOTP support. Wish the Zelle UI matched the rest of the app, but that’s quite a minor thing as it still works without issue.

Scammers

No help no options typical finance company here to lie cheat an steal all they can they could carless about your credit score. Fake fake fake associates never call the workers are worst then robots. Fake copy and paste reply zero help empty offer

User experience

🐞

Reported Bugs

4 issues

Inconsistent account syncing and data display

Bug

Unreliable push notifications and alerts

Bug

Inability to modify existing orders and transfers

Bug

Glitches in app navigation and functionality

Bug

Requested Features

5 requests

Customizable budgeting and spending tracking

Feature

Recurring transfer and automatic payment options

Feature

Advanced charting and analysis tools for investments

Feature

Ability to hide irrelevant product offerings

Feature

Streamlined account management and troubleshooting

Feature

FAQ

What does the SoFi app do?

The SoFi app allows users to manage their banking, invest in stocks and ETFs, buy and sell cryptocurrency, and track their credit score. It aims to consolidate various financial activities into a single platform, eliminating the need for multiple apps.

What are the key features of the SoFi app?

Key features include a fee-free checking account with early direct deposit, a high-yield savings account with organizational vaults, commission-free stock and ETF trading with fractional shares, the ability to buy/sell/hold over 25 cryptocurrencies, loan pre-qualification, and credit score monitoring.

Is the SoFi app free to use?

The app itself is free to download and use. While there are no account or service fees for checking and savings accounts, certain transactions like outgoing wire transfers may incur fees. Trading stocks and ETFs is commission-free, but other fees may apply.

What kind of accounts can I open with SoFi?

You can open a SoFi Checking Account and a SoFi Savings Account. The app also facilitates cryptocurrency trading and allows for stock and ETF investing. Additionally, it offers tools for loan pre-qualification and credit score monitoring.

How does SoFi protect my financial information?

The app employs bank-level encryption to protect personal and financial information, along with fraud alerts. It also provides instant notifications for suspicious account activity to ensure your money is safe. A financial support team is available seven days a week for assistance.