# Step: All-In-One Money App — Build, Spend, Save, and Borrow > All-in-one money app for credit building, savings, cashback, and borrowing. (iPhone/iPad app by Step Mobile Inc..) - Source: https://appshunter.io/ios/app/step-all-in-one-money-app/id1438006983 (this page in markdown: same URL + `.md`) - Developer: [Step Mobile Inc.](https://appshunter.io/developer/1438006982) - Category: Finance - Price: Free - Rating: 4.70/5 from 81,411 App Store ratings · 740 written reviews indexed - Age rating: 4+ - Requires: iOS 16.4 · 243 MB - Languages: American English - Released: 2019-02-01 - Data updated: 2026-08-28 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/step-all-in-one-money-app/id1438006983/reviews.md ## What is Step? Step is the ultimate money app to help you build credit, grow your savings, borrow money with no interest, and get cash back. Trusted by over 7 million users, Step puts more money in your pocket and helps you become more financially independent, giving you the freedom to chase your dreams. Why Step: BUILD CREDIT FOR FREE: The average Step user boosts their credit score by 57 points in their first year.  CASHBACK ON EVERY PURCHASE: Get at least 1% cashback on every card purchase and up to 10% at rotating merchants. EARN 3% ON YOUR SAVINGS: Unlock one of the highest savings rates in the country, FDIC-insured up to $1M.  EARN OVER $200/MONTH: Get paid to play games, take surveys, and more. GET UP TO $250 WITH STEP EARLYPAY: Don’t wait for payday. Get fast cash when you need it most. No interest. No stress. No direct deposit needed. Access between $20 - $250. More Reasons to Love Step: • Free credit building at any age • Step Visa Card accepted everywhere Visa is around the world • Safe and secure with built-in fraud protection with Visa’s Zero Liability Policy • 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. 1. Not everyone will qualify. Must be 18 years or older. To be eligible for loans over $100 a minimum qualifying direct deposit to your Step account is required. Offer can go up with on-time payments. Instant Transfers are available for a fee. Instant Transfers typically occur in seconds, but may take up to 30 minutes. Not all users will qualify. 2.  Average 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. 3. Requires Step Black enrollment, either through qualifying direct deposit or paid monthly membership. Ability to earn $200+ 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. ## Key features - Build credit for free - Cashback on purchases - Earn interest on savings - Get paid for activities - Early access to funds - No-interest borrowing ## Chart rankings - #170 in Top Free · Finance (US App Store) ## What do users think of Step? Overall sentiment: neutral **Pros** - 💳 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 **Cons** - 🐛 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 **Commonly reported bugs** - App login/access issues - Delayed card deliveries - Problems with linking bank accounts and cards **Most requested features** - Ability to deposit cash into the account - More flexible spending and withdrawal limits - Multiple login/authentication options - Improved customer support channels (phone, live chat) ## Recent user reviews (10 of 740) All indexed reviews: https://appshunter.io/ios/app/step-all-in-one-money-app/id1438006983/reviews.md ### 5/5 — WOW *2026-08-22, version 26.14.0* Best online banking app!!!! ### 3/5 — Not anything special *2026-08-21, version 26.13.0* I haven’t been able to borrow any money. The incentive to invite someone to join the app is way too low. You also can’t transfer a small amount of money without paying a fee. So crazy to pay a fee to move your own money. ### 2/5 — Ok app *2026-08-21, version 26.14.0* I really liked this app. I used it for investing in stocks for a couple of years but after I found out you can’t put anyone for a beneficiary on your stocks I plan on deleting the app. Pretty disappointing ### 2/5 — Step *2026-08-20, version 26.13.0* Step has not been very helpful. I requested a new card because mine was coming apart and I put money on it and couldn’t use it anymore at alot of places. I requested it they said ok but still never received the card and don’t from them at all. ### 1/5 — App Sucks *2026-08-20, version 26.14.0* I’ve Been Having Trouble With The App Not Allowing Me To Withdraw Any Money It’s Been Saying I’ve Reached My Limit For Transfers And I Haven’t Even Spent Any Money Yet I’ve Tried Reaching Out With Someone Directly From The Step Team And Haven’t Had Any Luck. ### 1/5 — Advance lie *2026-08-20, version 26.14.0* App store page explicitly says no direct deposit needed for advances, but that is a lie. ### 5/5 — Customer service *2026-08-18, version 26.14.0* Customer service is great with this app. I sent money to the incorrect child on this app and couldn’t figure out how to change it. I got great help from customer service. ### 5/5 — best app ever *2026-08-18, version 26.14.0* I love it!!! My score is 800+ ### 4/5 — This app and bank is great but… *2026-08-18, version 26.13.0* I love the step app, it’s cool how you can invest in stocks and crypto and how that have built in rewards. I have had it for about a year now and haven’t had any issues. The credit and Apple Pay are both easy to use with tap to pay. There is one issue that I hope is fixed, when you open the app I would like for it to ask you to login or use Face ID, it only uses Face ID when making a transfer or adding money to savings tab. It would be great and more secure if we could be asked for Face ID when we first opened the app. ### 5/5 — Step *2026-08-17, version 26.13.0* Thank you I appreciate this! ## Frequently asked questions about Step ### 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. ## Version history (last 5 releases) ### 26.14.0 — 2026-08-17 Bug fixes, stability and performance improvements ### 26.13.0 — 2026-08-03 Bug fixes, stability and performance improvements ### 26.11.0 — 2026-07-23 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. ### 26.10.0 — 2026-06-19 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. ### 26.9.0 — 2026-06-17 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. ## Apps similar to Step | App | Rating | Price | Category | | --- | --- | --- | --- | | [Current - Mobile Banking](https://appshunter.io/ios/app/current-mobile-banking/id1077366211) | 4.8 (195,858) | Free | Finance | | [Chime® – Mobile Banking](https://appshunter.io/ios/app/chime-mobile-banking/id836215269) | 4.8 (1,558,421) | Free | Finance | | [PayPal - Pay, Send, Save](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709) | 4.8 (6,298,440) | Free | Finance | | [Varo Bank: Online Banking](https://appshunter.io/ios/app/varo-bank-online-banking/id1517676784) | 4.9 (233,473) | Free | Finance | | [OnePay – Mobile Banking](https://appshunter.io/ios/app/onepay-mobile-banking/id1494523953) | 4.9 (410,809) | Free | Finance | | [Cash App](https://appshunter.io/ios/app/cash-app/id711923939) | 4.8 (8,634,711) | Free | Finance | ## Related topics [step](https://appshunter.io/ios/topics/step) · [step early pay](https://appshunter.io/ios/topics/step-early-pay) · [step teen banking](https://appshunter.io/ios/topics/step-teen-banking) · [step visa card](https://appshunter.io/ios/topics/step-visa-card) · [teen banking](https://appshunter.io/ios/topics/teen-banking) · [step app](https://appshunter.io/ios/topics/step-app) · [step up](https://appshunter.io/ios/topics/step-up) · [banking apps for teens](https://appshunter.io/ios/topics/banking-apps-for-teens) · [banking for teens](https://appshunter.io/ios/topics/banking-for-teens) · [the step up app](https://appshunter.io/ios/topics/the-step-up-app) · [all in one loans](https://appshunter.io/ios/topics/all-in-one-loans) · [rocco](https://appshunter.io/ios/topics/rocco) · [teen banking account](https://appshunter.io/ios/topics/teen-banking-account) · [g02](https://appshunter.io/ios/topics/g02) · [iget m4](https://appshunter.io/ios/topics/iget-m4) · [raiffeisen youth](https://appshunter.io/ios/topics/raiffeisen-youth) · [steps for money earn](https://appshunter.io/ios/topics/steps-for-money-earn) · [kid banking](https://appshunter.io/ios/topics/kid-banking) · [cash step](https://appshunter.io/ios/topics/cash-step) · [jassby](https://appshunter.io/ios/topics/jassby) --- *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 2026-08-28.*