Step: All-In-One Money App

Step: All-In-One Money App

Build, Spend, Save, and Borrow

82K ratings
755 reviews
With Ads#180 in free Finance
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • February 1, 2019
  • September 9, 2026

Features

Background Location Access

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Step: All-In-One Money App screenshot #9 for iPhone
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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
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What users say

See all reviews

What's New in Step

26.16.0

September 9, 2026

Bug fixes, stability and performance improvements

Charts

Top Free

📈 180+1

Finance

This app rose +1 position in Finance chart.

Last updated on September 17, 2026.

User reviews

Mr credit

Best card to build credit, get 1% cash back if you have step black, reported to my credit every month, can add money using Apple Pay, can send money to other debit cards from the app”not going and deposit in person type of thing ) , free credit score, you get a virtual card and a metal card, never declines like chase, Wells Fargo or other cheap banks. High limit spending. Only bad thing can deposit check so I use chime for or Varo which are Great too. Can deposit at any 7 eleven or pharmacy without having to go deposit at branch. Just get it, will improve your credit for rental card purposes works but if now have Varo credit card which is a credit builder too. You’re welcome
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Banking

Good banking app just don’t do any wire transfers they don’t accept it at this time

Not good

It show I have deposit I payed my advance on time for months now they are saying I don’t get deposits in my bank account don’t set your self up im very mad with this app no cash advance has ever did me like them customer service sucks

Disappointed

Saying I don’t have enough being deposited I get a paycheck deposited in my account that’s over 1200 every two weeks.

Amazing app

Yeah, actually should help me. Keep checking on my credit card, but my credit up and it helps.

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.