# SoFi: Bank, Invest & Crypto — user reviews > 2,227 indexed App Store user reviews of SoFi by Social Finance, LLC, rated 4.70/5 from 385,474 ratings. - Source: https://appshunter.io/ios/app/sofi-bank-invest-and-crypto/id1191985736/reviews - App overview in markdown: https://appshunter.io/ios/app/sofi-bank-invest-and-crypto/id1191985736.md - Rating breakdown: 5★ 339,217 · 4★ 22,496 · 3★ 7,829 · 2★ 3,271 · 1★ 12,661 ## What do users think of SoFi? Overall sentiment: neutral **Pros** - 🚀 Convenient all-in-one finance app - 💰 Competitive interest rates on savings - 👍 Intuitive and user-friendly interface - 📈 Integrated investment platform - 💳 Useful credit card with rewards - 🔒 Secure account management **Cons** - 🐛 Buggy and unreliable account management - 🕰️ Slow money transfer and withdrawal process - 💸 Unwarranted account freezes and fund holds - 🤖 Poor and unresponsive customer service - 📈 Cluttered app with too many upsells - 🔍 Difficulty verifying identity and updating info **Commonly reported bugs** - Inconsistent account syncing and data display - Unreliable push notifications and alerts - Inability to modify existing orders and transfers - Glitches in app navigation and functionality **Most requested features** - Customizable budgeting and spending tracking - Recurring transfer and automatic payment options - Advanced charting and analysis tools for investments - Ability to hide irrelevant product offerings - Streamlined account management and troubleshooting ## Newest reviews (12 of 2,227) ### 2/5 — Poor service but ok banking *2026-08-22, version 3.110.0* I tried to address a problem where SoFi said they have instant bank transfer from a SoFi savings to credit card but it is not true. So beware if you need the service. I also tried to address it with their help department and they disconnected the chat. Then I reconnected and it said one minute wait. Over ten minutes later I tried to contact them again with no luck. Good luck trying to get them to solve the problem of them advertising one thing and not delivering it. My credit card is still being rejected even after several hours of having an “instant” payment made. Buyer beware. ### 2/5 — Horrible Crypto Notifications *2026-08-21, version 3.110.0* I got this app for banking, not for spammy notifications about Crypto. Was finally able to turn them off finally, but enabling these by default is a horrible user experience. ### 2/5 — App says “oops” and I can’t transfer money and I should get over it. *2026-08-19, version 3.109.0* Spilled milk graphic suggests not crying over spilled milk. But I need to move money today. Your tech is down. Awful experience. ### 2/5 — Too many ads/promos *2026-08-19, version 3.109.0* Constantly being sold to is annoying AF ### 2/5 — Notifications don’t work *2026-08-15, version 3.109.0* Text and push notifications don’t work but app and company is great ### 1/5 — Unreliable at best *2026-08-13, version 3.108.0* Too complicated to find what you need, too many errors to be reliable. ### 1/5 — Sub human scum *2026-08-13, version 3.108.0* These people man.. I applied for an account like a year ago and not only did they deny me, but still send me multiple emails per day. I unsubscribe from each one and then delete and they just keep coming and coming. There’s no way to make it stop. Awful. ### 1/5 — No *2026-08-13, version 3.108.0* I cannot use this bank. They block Zelle access until you set up direct deposit. Since my company pays me directly via Zelle, I can't even activate it. Deleting the app. ### 1/5 — DONT DOWNLOAD THIS APP *2026-08-12, version 3.108.0* You can’t even get a loan from here. I am a student that’s currently trying to enroll in school so I tried to get a loan off this app. I entered my info, and the co-sign info as well and I got rejected. The loan was $2700 I needed to payoff my last spring semester since it was last minute and I don’t have enough money to cover out of pocket. I got denied. When I tried to get a lower loan($1000) just to see if I would get accepted; they STILL DENIED ME!!!! So don’t download this app. It sucks. It wouldnt even help out college students. DO NOT GET IT!!! ### 1/5 — Unauthorized Charges Denied — Very Disappointing *2026-08-12, version 3.108.0* I had three unauthorized Google Ads charges hit my account that I did not make or approve. As soon as I noticed the transactions, I froze my card to prevent any additional charges and reported them to SoFi. Instead of feeling protected by my bank, my fraud claims were denied. One of their reasons was that I had been freezing and unfreezing my card around the time of the transactions. But I froze my card because I noticed the unauthorized charges. Taking immediate action to protect my account should not be used against me when investigating my claim. They also mentioned that I still had possession of my physical card. Having the physical card does not mean the card information couldn’t have been compromised and used online. I know what I purchased and what I didn’t. These Google Ads charges were not mine. I expected much better fraud protection from a company I trusted with my money. This experience has seriously made me reconsider banking with SoFi. ### 1/5 — Cash Deposits *2026-08-11, version 3.108.0* one of the only banks that slow with app updates and mobile cash deposit be slow there’s no barcoded so i gotta bring the card out side knowing other apple have it so it can be easier yall need to do better ### 1/5 — Can’t deposit check *2026-08-08, version 3.108.0* I can’t deposit my check ## Most critical reviews (10 lowest-rated) ### 1/5 — Suck bank *2026-08-25, version 3.110.0* Undocumented $10K/mo pull xfer limit now, put your checks on hold for a week, and can’t even reverse the app sending notifications for BTC that you’re not even subscribed to! ### 1/5 — Personal Loan Experience *2026-08-24, version 3.110.0* It has been two months since starting a personal loan. This loan intended to help pay bills and basic needs. Understand not the best financial strategy but limited on options in transitioning back to continue my education and being let go by my previous employer. I met all demands and information needed to be approved. Such as current employment. As is I had to ask my new employers to submit employment papers. I now have three jobs and donate plasma for gas or small bills money. However through the process Sofi had failed to update me on any progress. If a document was incorrect. If employer didn’t fill out the verification correctly. Had to contact customer support many of times to get updates or if anything is wrong. They are probably sick of me by now but I thank them for helping me and being patient. Also was required to submit bank verification. All though I use my current bank account in sofi to submit payments or buy stocks or make payments. Now I am facing potentially have my basic needs like water and gas shut off because my three jobs can not help with the all the payments nor have received help from Sofi. I do not know if this is unfair practice on Sofi behalf or what is going on. I hope this gets resolved soon before I have take any actions or lose essential needs. I have felt embarrassed by asking both employers and banking for verification. I feel the embarrassment of my significant other watching me struggled and barely making it by. ### 1/5 — Notification Spam *2026-08-21, version 3.109.0* I get multiple crypto notification spams even though I've disabled it. Very annoying. ### 1/5 — Processing times are way too long *2026-08-20, version 3.109.0* Every time i try to either deposit, transfer, or do anything cash related the turn around time is way too long and their estimated wait times are always wrong, be ware. ### 1/5 — STOP MESSING WITH STUFF *2026-08-20, version 3.109.0* ugh I need to change banks at this point because they are slowly removing features and changing the entire layout and process to deposit checks. What used to be a streamline process now makes you press 8 different buttons and slide a slider that barely works when there was literally NOTHING wrong with it before. Stop messing with stuff!!! It was FINE omg. What used to be a helpful budgeting platform is also absolutely useless with the recent changes to the relay system. I miss what this bank/app was when I joined years ago. ### 1/5 — Spam in my bank app! *2026-08-19, version 3.109.0* Every time I open my Sofi bank app, I get a popup window with spam that covers the entire screen and I have to click X. I wanted a bank, not an advertising app. The app is also generally not that good, which is pretty telling for a “modern” “tech” bank. ### 1/5 — Complicated *2026-08-18, version 3.109.0* By far one of most complicated apps I have ever tried to use, I don’t want the 2 factor authentication, all I want to do is log into it and use it. It’s damn near asking me for my blood type ### 1/5 — They’ll close your account without warning. *2026-08-17, version 3.109.0* First off 3 days for a whole check to be cashed? And then no warning when closing bank accounts? Not a good bank at all. Users beware! ### 1/5 — Not worth it. *2026-08-14, version 3.109.0* Terrible customer service, Very slow. “Instant transfer” is not a thing. They advertise that but it’s never instant. Wait days for funds. ### 1/5 — The worst banking app ever used *2026-08-14, version 3.108.0* I downloaded this app to use for investing, once I added some money, I could never withdraw it. I contacted customer service a few times via chat, the bot says now connecting you to a live agent, and live agent never comes. I transferred money to my external account maybe 10 times and it was all rejected. I tried transferring the account to my other brokerage account, they reject it as well. Don’t use this banking at all, they captive your money!!! ## Most praised reviews (10 highest-rated) ### 5/5 — The best banking app *2026-08-23, version 3.110.0* I used Chime for a while but had lots of issues. After Chime kept the balance from one of my accounts for several months, I learned they are a “fintech,” not a bank, so I had limited recourse. SoFi is different because SoFi has an FDIC Charter. I also couldn’t write checks from Chime. I eventually got my money back but still stayed with SoFi because it has lots more options, better support including dramatically better customer service and is a much more stable business. I’m glad I switched to SoFi! ### 5/5 — 5 year customer and zero problems. *2026-08-22, version 3.110.0* I am using SOFI branded credit card, SOFI money account and SOFI invest and crypto. Previously had used 3 very well know companies for each of these services (except crypto) for about 30 years. Very happy I consolidated these 3 under SOFI and added crypto. App is excellent and will only get better over time. ### 5/5 — The best *2026-08-20, version 3.109.0* 1. I get my paycheck early 2. I can trade stocks/options (needs chain options though) 3. I can buy sell and transfer crypto 4. Great apy savings 5. Rewards and discounts for being a member 6. I can get loans (6) small businesses loans all from the app 7. Has credit tracking, and wealth tracking ( can connect outside accounts to view in one place) 8. Has Ai coach to help with spending All in an app what more do you want! ### 5/5 — Fantastic *2026-08-19, version 3.109.0* Very safe, reliable, and innovative app. The 4.5% APY is making me money every month. Wish I would have switched to SOFI sooner! ### 5/5 — Glitchy & slow lately *2026-08-17, version 3.109.0* When I lock my card it takes forever to unlock so I can use Apple Pay. It's been numerous times I had emergency & could not use my card because it wouldn't unlock ### 5/5 — Amazing *2026-08-12, version 3.108.0* Helps a lot ### 5/5 — Ms Ann *2026-08-09, version 3.108.0* Excellent Customer Service and various products available. Happy to find a well organized banking experience. I recommend this bank for all your needs. ### 5/5 — Randomly broke check deposits *2026-08-08, version 3.108.0* App updated and I can’t deposit checks because the app can’t open my camera. Camera is functioning just fine, app has permission to access the camera and it still just breaks for no reason. Can’t do a mobile deposit in the browser because you can only deposit through the app, which is broken. Fix it and I’ll change the review. I know giving a bad review is the only way for problems to actually get fixed ### 5/5 — Modern banking & investment app without compromises *2026-08-05, version 3.107.0* 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. ### 5/5 — Great app *2026-07-28, version 3.106.0* Can we get a update to show the time and location etc for transactions in the next update that would be a great addition --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*