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Step: All-In-One Money App

Step: All-In-One Money App

Build, Spend, Save, and Borrow

81K ratings
704 reviews
With Ads#135 in free Finance
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • February 1, 2019
  • July 23, 2026

Features

Developer

Step Mobile Inc.
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Step: All-In-One Money App screenshot #1 for iPhone
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Step: All-In-One Money App screenshot #9 for iPhone
📈no. 135
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Reviews summary↘︎
⭐704
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🔄6+ apps
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❓5 answered
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📦~ 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
+1

What's New in Step

26.11.0

July 23, 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.

More

Charts

Top Free

📈 135+4

Finance

This app rose +4 positions in Finance chart.

Last updated on July 26, 2026.

User reviews

Most RecentHighest RatedLowest Rated

God tier app

I never write reviews, but Step genuinely deserves all the praise i can give it. I first got it when i was 15, I am now 19 with a credit score of 734 thanks to Step. Also thanks to Step, i’ve been able to invest since i got the app. Being able to have 4 years of exposure and experience investing at 19 is such a blessing. THANK YOU STEP 🫡🫡
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cartisjizzragcartisjizzrag

HIGHLY RECOMMEND!!

I’ve been a member of step as a teen. And I as grow I continue to still hold a high trust in step and steps team and the entire bank itself. I highly recommend every teen to become a member and sign up. There hasn’t been anything other than great results of being a step member.
Step has benefitted me in so many ways I think many teens would benefit in as well. Definitely sign up and become a step member. Only great results can happen. JOIN STEP NOW!
-Amari.M
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Mr AmariMr Amari

Sleepy lady bug

Just right
cheewvaccacheewvacca

Bad customer service

I was trying to open an account to my teen and the account was under review for a week. Everything I tried to contact them the answer was “we will contact you by email in 1-3 business days “.
yennyseuyennyseu

What’s up?

I’ve used this card for years because my teenage daughter wanted it 4 years ago. Right now it’s getting declined everywhere and there’s no info on what’s going on which is concerning. Social media needs to be updated or something of there’s not going to be alerts on the app that something is going on. Doesn’t even show up at all even as declined. I’m super concerned that my money won’t even be accessible and there’s no info
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Jayel995Jayel995
See 699 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.