1. Home
  2. 💰 Finance
  3. Step
Step: All-In-One Money App

Step: All-In-One Money App

Build, Spend, Save, and Borrow

81K ratings
726 reviews
With Ads#163 in free Finance
💰 Finance
Free
With Ads

Details

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

Features

Developer

Step Mobile Inc.
✨Promote your app ✨
Step: All-In-One Money App screenshot #1 for iPhone
Step: All-In-One Money App screenshot #2 for iPhone
Step: All-In-One Money App screenshot #3 for iPhone
Step: All-In-One Money App screenshot #4 for iPhone
Step: All-In-One Money App screenshot #5 for iPhone
Step: All-In-One Money App screenshot #6 for iPhone
Step: All-In-One Money App screenshot #7 for iPhone
Step: All-In-One Money App screenshot #8 for iPhone
Step: All-In-One Money App screenshot #9 for iPhone
📈no. 163
Charts↘︎
📌Ready
Reviews summary↘︎
⭐726
Reviews↘︎
📝38+ tags
Tags↘︎
🔄6+ apps
Alternatives↘︎
❓5 answered
FAQ↘︎
📦~ in 2 weeks
Updates frequency↘︎
🖼️Get Icon
Icons↘︎

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

26.13.0

August 3, 2026

Bug fixes, stability and performance improvements

Charts

Top Free

📈 163+8

Finance

This app rose +8 positions in Finance chart.

Last updated on August 16, 2026.

User reviews

Most RecentHighest RatedLowest Rated

App is garbage , i would give it negative

I was banking with them for 6 years and got the Step black for $4.99 someone did unathorized charges to my account I reported it as disputes Step later on closed my account and no updates on the disputes whst a ridiculous app after banking with them for so long
!
JamilamslikatJamilamslikat

Moving money isn’t the easiest

Since it’s considered a credit card, I cannot use my step card in certain situations
Applepa55word$Applepa55word$

Mr T

Comes in clutch when you are a little short
miket(omiket(o

Outstanding

Best service, help right away if needed. Can help your child or teens with spending and managing their money. My family and I love step!!
Also Shout out to SAM for BEST customer service!!
Mzhyde 😊Mzhyde 😊

Horrible

- Completely unreliable and awful customer service.Do not waste your time with Step EarlyPay. I completely meet all of their direct deposit and account requirements, yet the app still blocks me and won't let me cash out when I need it. To make matters worse, their customer service is incredibly slow and completely useless at resolving the issue. It is incredibly frustrating to do everything right on your end and still get locked out of your funds with zero support. Avoid this app if you actually need a reliable backup plan.
Show more
Jwin408@Jwin408@
See 721 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.