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Step: All-In-One Money App

Step: All-In-One Money App

Build, Spend, Save, and Borrow

82K ratings
765 reviews
With Ads#112 in free Finance
💰 Finance
Free
With Ads

Details

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

Features

Background Location Access

Developer

Step Mobile Inc.
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Step: All-In-One Money App screenshot #9 for iPhone
📈no. 112
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Reviews summary↘︎
⭐765
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📝34+ tags
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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 82K 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

26.16.0

September 9, 2026

Bug fixes, stability and performance improvements

Charts

Top Free

📈 112+5

Finance

This app rose +5 positions in Finance chart.

Last updated on September 30, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Awesome saving and investing

They give you the tools too investments
Star child flower hopeStar child flower hope

Don’t trust this app with your money

I made a dumb decision by putting half of my paycheck into this app. I used it a few times. But then I started having a lot of issues with the app. Like for example. My Wife needed me to send her $100 to her Apple Pay and for some reason it wasn’t going through. Then I did an online payment for 300 dollars. The payment never went through but it was taken away from my account. I emailed Step. They told me that I needed to do a dispute. I did the dispute. A week ago and I still haven’t received credit or my money back. Today I emailed them again and they told me that they can’t give me any credit until the investigation is completed and it could take 60-90 days…. That’s insane… so ladies and gentlemen, do not put your money into this app. Don’t use this app because your money is not safe with.
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Dontheman305Dontheman305

Best app for banking and building credit

My favorite app
cjmacdonaldcjmacdonald

Good to use for children.

I’ve had my parents give me money biweekly for about two years if not a little more by now about 25-40 changing my the months every now and again. Never had a problem good way to teach the value of a dollar. I would recommend
Yo mom on deezYo mom on deez

Amazing app; completely UNDERrated

This app is completely underrated.
randon192randon192
See 760 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.