Step: All-In-One Money App

Step: All-In-One Money App

Build, Spend, Save, and Borrow

82K ratings
745 reviews
With Ads#175 in free Finance
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • February 1, 2019
  • September 3, 2026

Features

Step: All-In-One Money App screenshot #1 for iPhone
Step: All-In-One Money App screenshot #2 for iPhone
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Step: All-In-One Money App screenshot #8 for iPhone
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

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+1

What's New in Step

26.15.0

September 3, 2026

Bug fixes, stability and performance improvements

Charts

Top Free

📈 175+2

Finance

This app rose +2 positions in Finance chart.

Last updated on September 5, 2026.

User reviews

Took money out of my account and didn’t even help.

Tried to do the cash advance. Took my money for a bogus subscription but wouldn’t give advance even though I’ve had a good standing with my bank for years along with regular deposits. SCAM. Will be disputing with my bank.

Adrian

I like it it’s amazing

Scam

Do not buy this it is a total scam install all my money and didn’t keep it safe. Do not buy.

My first Account

This was the very first account I had ever opened. It was very helpful during my high school years to receive money from my dad for lunch.

Also holiday and birthday money. Helped me learned how to manage and move my money. So it’s incredibly reliable and useful for parents who want a safe and easy to use account with their kids.

For teens. This is amazing for building credit. I got my credit to 707 in less than 2 years. Took me about 1 year and 3 months. Mainly cause I kept up with purchases and rented things and paid them off easily with step.

On top of that investing in stocks. It helps you with a very easy and simple UI. I honestly use it every so often and it’s incredibly good. When you get the black card you don’t have to pay with direct deposit of over $500.

It gives you points to trade for actual money or gift cards. It’s honestly the best thing I’ve seen. Plus 3% when you put money on your savings. It’s honestly the best I’ve seen. So yes. Highly recommend it especially for younger people.
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Stopped using an ordinary debit card entirely

I just love step they’ve helped me establish a super high payment history thus helping me in my credit journey. And can’t beat the price four bucks for step black. I hope to soon learn investing and stuff cuz they also offer an investment account thing. Well worth the money and the time! And I just LOVE getting credit card points for literally everything known to man that I happen to already shop for.
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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.