Social Finance, LLC
3.8 
Category: Finance
Price: free
Age Rating: Everyone
Rating: 3.8
Available on: /
Updated on: Jul 3, 2026
Dive into the world of cryptocurrencies with SoFi's seamless crypto trading feature. You can buy, sell, and hold popular cryptocurrencies like Bitcoin and Ethereum, all from the same app where you manage your bank and investment accounts. This integration allows for a holistic approach to your financial life, making crypto accessible and straightforward.
SoFi equips you with a range of financial planning tools designed to help you budget, track spending, and set financial goals. These resources are tailored to guide you through your financial journey, ensuring you stay on top of your money management. With personalized insights, achieving your financial objectives becomes much more manageable.
SoFi offers a high-interest savings account that helps your money grow faster than traditional banks. With no account fees and easy access to your funds, you can save for your goals without worrying about losing out on interest. It's a smart choice for anyone looking to maximize their savings potential.
SoFi simplifies investing by providing a user-friendly platform where you can trade stocks, ETFs, and even cryptocurrencies. With educational resources and expert insights, you can confidently build a diversified portfolio that aligns with your financial goals. Plus, there are no commission fees, making investing more accessible than ever.
SoFi offers competitive interest rates on savings accounts. Seamless integration of banking and investing features. No account fees, maximizing your savings potential. Access to financial advisors for personalized guidance. User-friendly app for easy management of investments. 
Limited physical branches may hinder in-person support for customers. Investment options can be less diverse compared to traditional brokers. Customer service response times may be slower during peak periods. SoFi: Bank, Invest & Crypto is a multifaceted financial application designed to cater to a wide range of personal finance needs. Ideal for individuals looking to manage their banking, investments, and cryptocurrency all in one place, the app is particularly suited for young professionals and digital-savvy users. Whether you are looking to save for a major purchase, invest in stocks or ETFs, or delve into the world of cryptocurrency, SoFi provides a robust platform. Users can easily transition from budgeting tools to investment options, making it convenient for those looking to streamline their financial management. Moreover, the app is useful for first-time investors, offering educational resources and intuitive features that demystify the investing process.
The user experience of SoFi is one of its standout features. The app boasts a clean, user-friendly interface that simplifies navigation, making it easy for users to access various functions like banking, investing, and crypto trading. The on-boarding process is straightforward, allowing users to quickly set up their accounts and start managing their finances. One of the most appreciated features is the educational content that accompanies investment tools, which helps users make informed decisions. Additionally, the integration of social features allows users to learn from and interact with others in the community, enhancing the overall experience. Notifications and updates are timely, ensuring that users remain informed about their account activities and market changes.
SoFi operates on a competitive pricing model that attracts a wide range of users. The app offers commission-free trading for stocks and ETFs, which is a significant advantage for those looking to minimize expenses while investing. Banking features, such as high-yield savings accounts, come with no monthly fees, making it accessible for users who are budget-conscious. However, it’s worth noting that while basic features are free, certain premium services may incur fees, especially in cryptocurrency trading. Overall, SoFi's pricing structure is transparent, allowing users to understand what they are paying for without hidden charges.
SoFi continuously updates its app to enhance functionality and user experience. Regular updates include new investment options, improved security features, and expanded educational resources. The development team actively seeks user feedback, which has led to numerous improvements over time. For support, SoFi offers a comprehensive help center filled with articles and FAQs to assist users in troubleshooting issues. Additionally, customer service is available through multiple channels, including chat and email, ensuring that users receive timely assistance when needed. This commitment to support and updates demonstrates SoFi's dedication to providing a reliable and evolving platform for its users.
Security & Privacy Review
Google Play 
App Store 
Generally, the bank and the app are alright. However, I am having a major issue with the fact that some merchants simply don't accept the card as payment. In my experience this has mostly been restaurants. It's super embarrassing to have my card denied when trying to pay a bill. Even though the card still works via Google Wallet. SoFi needs to investigate why their card is not being accepted by some merchants.
It's a pretty alright app with lots of helpful features. I do really wish that the pop-up notifications I get would translate into persistent notifications in the app, or that clicking them might actually take me to review the trades I'm being notified about. As it is, I have to spend way too much time slogging through the menus and trying to remember disappeared information to track what's going on in my account and act appropriately.
really happy with this app/bank. had a bank before sofi ( I will not mention their names) but my account was hacked 3 times!! I finally got fed up with them and switched. I'm so glad I did. the app is easy to use, and you also earn points, which you can redeem for cash, or pay off your credit card/student loans. I'd give them 6 Stars if it would let me.
I've been using this app for about 3 months. I had no issues at first but I suddenly stopped getting the verification texts when I got a new phone(same phone number) and now the ID verification won't work either. I get all the way to the end after taking a selfie with my license and it suddenly can't verify or confirm that it's me. It doesn't matter that I can read every word on my ID in the pictures. I guess I'm just supposed to guess how much money is in my account now...
For scheduled Bill Pay, it doesn't use the description you give it to pay the payee. Meaning if you have multiple American Express accounts, once you schedule the payment, the description is dropped! That's REALLY DUMB!!! Even putting the last digits of the account would help but I don't understand why these dunderheads left it out! ONE STAR!!!!
Review Source: Google Play store public user reviews.
Yes, users can submit feedback and suggestions through the app or by contacting customer support directly.
Yes, SoFi - Banking & Investing collects personal data to provide services, comply with regulations, and enhance user experience, but it prioritizes user privacy and data security.
SoFi - Banking & Investing primarily requires an internet connection to access its services, so offline use is limited.
You can cancel your account and services through the app settings or by contacting SoFi customer support for assistance.
There is no subscription cost for using the SoFi - Banking & Investing app; however, certain services may have associated fees.
Customer numbers are unique and cannot be changed. If you have concerns, please contact customer service for further assistance.
You can reach our customer service team through the app or website, or by calling our support line. We’re here to help!
To log in, visit the SoFi website or open the app, then enter your email and password. If you encounter issues, try resetting your password.
You can find your customer number in your account settings once you're logged in to the app.
For assistance with account activation, please reach out to our customer service team via the app or website. We're ready to help!
We've made a bunch of bug fixes and improvements to help get your money right. It all adds up. Something else you'd like to see? Tell us more at [email protected].
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