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Step: All-In-One Money App

Step: All-In-One Money App

Build, Spend, Save, and Borrow

81K ratings
697 reviews
With Ads#145 in free Finance
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • February 1, 2019
  • June 19, 2026

Features

Developer

Step Mobile Inc
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Step: All-In-One Money App screenshot #9 for iPhone
📉no. 145
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Reviews summary↘︎
⭐697
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📝40+ tags
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🔄6+ apps
Alternatives↘︎
❓5 answered
FAQ↘︎
📦~ in 2 weeks
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About

This app helps users build credit, earn cashback on purchases, and save money with high interest rates. It also offers early access to funds and opportunities to earn extra cash through various activities. The platform aims to improve financial independence and offers a secure, globally accepted Visa card.

✓Build credit for free
✓Cashback on purchases
✓Earn interest on savings
✓Get paid for activities
✓Early access to funds
✓No-interest borrowing
Show original description

What users say

Summarized from real user reviews of Step. Based on 81K reviews and a 4.7/5 average, it highlights the 5 positives and 5 negatives reviewers mention most about this Finance app.

Positive things

  • 💳Great for teens to manage money
  • 🚀Easy to use app and card
  • 💳Helpful for building credit
  • 💳No monthly fees
  • 💳Allows direct deposit and money transfers

Negative things

  • 🐛Account suspension and lockout issues
  • 🔍Lack of transparency on account closures
  • 🕰️Slow customer support response times
  • 🔒Security concerns with card information being compromised
  • 💳Limitations on deposits, withdrawals, and transactions
See all reviews

What's New in Step

26.10.0

June 19, 2026

With Step, you can build credit for free, get cashback, borrow up to $250 cash, and improve your financial future all in one app that is trusted by over 7 million people.

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Charts

Top Free

📉 145-1

Finance

This app dropped -1 position in Finance chart.

Last updated on July 18, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Step is a great app

Step is an amazing app for teens and step is often able to help you with your questions, problems, and more than you step.
Julian CollinsJulian Collins

STEP REVIEW

Step Is Overall A Great App, Definitely Good with credit building and helping you with ways to boost your credit. I love using Step it’s actually one of my favorite apps.
Br33zyTkBr33zyTk

Just Amazing

Had this since i was 13 and now im 18 and from all of my experiences, this is such a great banking app. They are quick to solving your issues and the perks u get are pretty cool. Loveeee being able to get step black for free just cause my direct deposit amount is enough to qualify. If i were u, id absolutely get this app!
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Welp were here igWelp were here ig

SCAM!!

Made me pay $4.99 for a subscription just to tell me I don’t qualify. Don’t waste your time or your money!
Rocc0890Rocc0890

Excellent

Good app and bank! Convenient
fashion4blyL8fashion4blyL8
See 692 more reviews

User experience

🐞

Reported Bugs

3 issues

App login/access issues

Bug

Delayed card deliveries

Bug

Problems with linking bank accounts and cards

Bug
✨

Requested Features

4 requests

Ability to deposit cash into the account

Feature

More flexible spending and withdrawal limits

Feature

Multiple login/authentication options

Feature

Improved customer support channels (phone, live chat)

Feature

FAQ

What does the Step app do?

The Step app is a comprehensive financial tool designed to help users build credit, grow their savings, and access funds. It offers features like free credit building, cashback rewards on purchases, high-interest savings accounts, and the ability to borrow money with no interest.

How can I build credit with Step?

Step allows users to build credit for free, with the average user boosting their credit score significantly in their first year. This feature is available at any age and helps users establish a positive credit history.

What are the savings and cashback features?

You can earn a high interest rate of 3% on your savings, which are FDIC-insured up to $1 million. Additionally, you receive at least 1% cashback on every card purchase, with opportunities for up to 10% cashback at select merchants.

Can I borrow money with Step?

Yes, Step offers Step EarlyPay, allowing you to get fast cash advances of up to $250 without waiting for payday. This service has no interest, no stress, and does not require direct deposit for access, though eligibility criteria apply.

Is Step available for free?

The core features of the Step app are available for free. While there are no hidden fees for basic services, some advanced features or instant transfers may incur a fee, and certain benefits like higher earning potential might require enrollment in Step Black.