SoFi - Banking and Investing App Positive ReviewsSocial Finance, Inc

SoFi - Banking And Investing Positive Reviews

4.7
4.77349 star

Total 29 Positive Reviews

SoFi - Banking and Investing App User Positive Comments 2024

SoFi - Banking and Investing app received 29 positive comments and reviews by users. Can you share your positive thoughts about sofi - banking and investing?

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SoFi - Banking and Investing for Positive User Reviews

Amazing app with a few suggestions for the developersI was looking for a way to have all my finances in one place and this is it. They have this awesome feature called vaults that allows you to store money for different goals/uses. At first the app looks like an advertisement, but all are important products they offer so I understand. If you are going to have crypto there needs to be a way to have the keys! The credit card is above average in terms of rewards. The investing side seems a little game like I would prefer to it to be more professional looking, coming from Charles Schwab. I am very excited to move my student loans into sofi when the time comes. Relay is also an interesting feature where you can track your activity. I would like the ability to set a budget and then compare my spending to what I set. Being able to do this in app would be a game changer. Also, if there is a way to be able to loan out shares and get paid that would be an amazing addition. I would also like the ability to choose a stock allocation and my monthly contribution be spread out accordingly, very similar to how it is done with m1 finance. Also the more financial data I can pull up about a company the better, I can’t use your app without pulling up seeking alpha for a more complete picture..Version: 2.91

Growing pains but well worth itSo, I am shifting all of my money away from my big name bank (after all, it seems a little archaic to be banking with a company that uses a horse-drawn carriage as their mascot). First, I will say that SoFi is not perfect. I have had to call their support several times through the setup process due to nuances in their systems, getting a joint account holder approved, ect. However, in my experience, the customer service is phenomenal. Thus, any of the issues that I have experienced has been taken care of swiftly and without compromise. Additionally, the benefit of having my banking (SoFi money), investing (SoFi Investing), and loan options all in one place is very useful. I am a medical student, so I hope to refinance my loans through SoFi once I go to residency. To summarize, SoFi is not perfect. It seems they are experiencing some growing pains. However, they have adequate staffing to face these growing pains. I will also say that they walk laps around the other banking companies out there (even some of the other “new” startups). Also, the app is clean cut and simple to use. I greatly appreciate SoFi!.Version: 1.7.7

Relays not working (update #1)After downloading the app, I noticed that the relay section wasn’t working. I put in a ticket and it’s been a few weeks and I haven’t been able to get relates to work appropriately. It seems that there are parts on the website that work if I do a little digging. Unfortunately that doesn’t translate to the app so there’s a lot of inconsistencies as to what I’m able to see on the app. All in all I’m on able to see everything that I am expected to see. I’m having a lot of trouble utilizing the tools that have been offered to me as a plus member. I guess if this continues for too much longer, I’ll have to go find another savings account with a better app that works. It is for this reason that I cannot send invitations to bring in my friends who are also shopping things like high-yield savings accounts. I nearly gave up but the relays started loading after calling SoFi and opening a ticket. Unfortunately, I cannot keep the details of my 401k/IRA connected. I would have to log into my accounts daily if I want to see my overall banking information..Version: 2.152

Fun bankUpdate: I use SoFi as my primary bank. Love the APR on the savings account and can get a decent APR on the checking. I now have the credit card and it’s okay. Nothing special really. Relay is still great and helps me keep track of where my money is going. I REALLY wish they would make a widget and improve login speed. It take at least 30sec to login sometimes. That issue along makes me want to use another bank. Otherwise I recommend it to people if they are searching for a decent online bank. I had SoFi bank (checking and Savings) for a few months now and really enjoying it. Love that it give you spending breakdowns in Relay and you get a lot of features including investing. It feels very robust and can feel overwhelming at first but once you understand everything it give you a lot of information. The one thing I am begging y’all to is make a quick view widget. Having a quick glance into my balances would be extremely helpful. I find it slow and clunky to login every time I want to check my balance..Version: 2.169

Pleasantly surprised!Initially I was drawn in because of the generous $300 new account bonus (with at least 5k of direct deposit in a 30-day period). I’ve been using Chase for many years and have been mostly satisfied with it, but heck, I’ll hop on any reasonable opportunity to get free money! My thought was to open a new checking/saving account, set up direct deposit, and once I get my bonus, I’ll transfer very thing back to Chase. Well, the opposite is happening—I’m now transitioning most of my money to SoFi!😆 Kudos to SoFi for the alluring bonus plus a whole bunch of other simple tasks you can complete to earn reward points=free money! I mean, what other financial institution gives you $5 for activating its new credit card? Or setting up auto payment? Or putting the credit card into your digital wallet!? Heck, I even got $8 (and I had no idea you could get points that way) for loading money in my Starbucks app via Apple Pay. Was that a glitch!? Lol. Anyhow, I’m so impressed with SoFi that I’m recommending it to people I know (referral perks are nice too!) Keep up the great work, SoFi!.Version: 2.122

Great App!!!!!!I think the sofi app is great. It’s convenient to manage all your personal finances, pay your bills, monitor your spending, buy stocks & crypto all in one place. It also has a high interest rate(1.25% up to $50k in each account) on their checking and savings accounts. I would like to see them add more money management features that would rival personal finance software from quicken, etc. that you have to pay for. I also like their credit card. It rewards you 2% cash back but currently 3% for an entire year on all transactions. But, the real reason I like their credit card is you get the cash back a couple weeks after your transaction instead of waiting till the end of the year. They also give me cash back for auto-investing. Investing on a regular basis is something I already do, now I get cash back for it. It also monitors my credit score at no additional cost. This features pretty much shows me what actions causes my credit score to go down or up. For example, my score dropped 8 points because I recently charged a $2300 purchase on one of my credit cards. It also shows me how much I saved each month by subtracting all my expenses from my income each month. Plus much more!.Version: 2.105

My New Business PartnerSoFi is such a blessing. I thank God for this company, at first I was a bit nervous because I wasn’t sure if it was legit or not because I never knew of anyone personally that used them. I did my research & step out of faith and SoFi came thru for me. They help me pay off my $10,000 credit card debt within two years (yah yah I know my debt was a lot), your able to pick how many years you would like I picked two because I have goals. The blessings about it the payments I have with SoFi is about the same amount I pay monthly without the loan but it would’ve been me just paying the minimum payments every month in it would’ve took me yearsssss like 15 years to pay off with the high interest rate on my cards per my cards statements tell me. SoFi saved me soooo much time & money. I look forward to doing future business with them. I would recommend this company to anybody. The process was quick and easy. Thank you SoFi you help take a huge burden off my shoulders..Version: 2.112

Requesting a SBLOC! But otherwise great appI love SoFi. I have transferred the vast majority of my assets here, and use pretty much all products (active, automated, IRA investing, checking and savings accounts with great interest rates, and credit card). The one feature I’d love most to see in the app is an SBLOC (Securities Backed Line of Credit) maybe in the Credit or Investing tab. Personally the only reason I ever see myself leaving SoFi is, eventually wanting to borrow against my assets with a solid (1-3% + SOFR interest rate) when I don’t generate as much income in the future, and not having an instrument to do so with in the SoFi app. I recognize this is a bit out there when compared to how simple SoFi tries to make finances. However I’d argue that with the introduction of Level 2 options, money market funds, cryptocurrencies, and other ETFs and various instruments that SoFi is also committing to bringing a wide variety of financial products to investors’ fingertips. If you’ve made it this far thanks for the reading and consideration and keep up the good work!.Version: 2.187

Great app, could use some quality of life improvementsSoFi is hands down my favorite app for fee-free automated investing and it’s pretty good at manual investing too. Personally I don’t use any of the other loan or relay options. I think it would be helpful to be able to set a “tab” as a default landing page when opening the app, so for me, the invest tab, just to save me a few taps every time I open the app. Manual stock watchlist sorting would be great so we can keep our favorites on top of the list but still be able to switch to % or $ day change when needed. It would also be great if you could change the timespan of the watchlist stock graphs like you can when you click on a single stock. A 1 week, month, quarter, year, etc. view would be really helpful as a toggle at the top of the watchlist so you can get an idea as to how all of your stocks are trending over time at once on the watchlist section. Without having to click on every single stock once and then backing out to check the next for week or month trend..Version: 2.46

Absolute worst customer service!!!!The one star I suppose is for the terrific interface which is simple, fun, and beautiful. What’s lurking behind it is just plain old terrible customer service. 1-hour plus wait times to talk to the first person who can’t help you. They are the gatekeeper to the mysterious “advisor” who is the only one who can actually fix your account or make any decisions. He or she is another two hours away, but if you hit their closing time the hold music will go dead but your phone will keep running. That’s the hint that you could be on the line till next Tuesday and nobody will touch your account until they’ve gone home, slept and had a nutritious dinner and complete breakfast, walk the dog and washed the car before they will mosey on in and make you wait another three hours before the attend your life and death financial matters. I am not kidding when I say they told me I would have to WAIT 7 BUSINESS DAYS FOR AN “ADVISOR” TO CALL ME BACK!!!! I kid you not. I swear. With no sense of irony at all they told me to fix my account to where my direct deposit would not get reject I would have to wait SEVEN (7) BUSINESS days , not just like linear days of the week to include the 48 hours of weekends, but 7 only counting M-F and excluding holidays, to fix my account to accept the money that I slave over during the week S-Sat. Don’t be fooled by the pretty app and overspending on advertising. It’s a sham..Version: 2.43

Amazing and very knowledgeable app. Thank you.So far I have been stuck on here for a few hours enjoying every moment. My head feels heavy from the amount of knowledge I just took in about investing. And in such a eazy way to understand explained way I’m very appreciative of that. There are a few more questions I have before deciding what I’m going to pick, but this app is definitely a keeper. Not many apps explain information or brake down the pros and cons of your decisions In Such a honest and positive manner and honestly is one of my number one policy’s when it comes to my personal beliefs of treating people and it is a must when I am making financial decisions or anything serious to do with my retirement and financial wellbeing and wealth health or happiness. So all together in reality only because the options was limited I gave this app a 5 star rating. On a personal note if asked by option what I would give it I’d most proudly say 10 stars. Thank you for your hard work dedication and attention to detail. Sincerely terrylee..Version: 2.168

Super impressive 💚🤑I’m an existing Wells Fargo client and I’ve been so since graduating high school. It was my first bank account…but it was just that- a bank account. With SoFi I’m excited to log in and complete tasks for points. I love how the investing portion (if you decide to dip into the investment waters) is incorporated within the banking experience. It does a lot for you! It tracks my income to the penny and teaches me better money habits while it’s at it. Also a lot of helpful articles within the homepage. Some might see that as overwhelming but I can tell their UX design team really looked into the psychology consumer behavior so as to make it seamless, clean and easy to use. And no monthly fees! No overdraft fees!! No fees!!! If anything you’re incentivized. So for example, if you deposit over $1000 in employer direct deposit you get a $50 “spot me” limit in case you go over. I mean who does that?! and that’s just one of those incentives. Soon I will need to refinance my student loans and I’m thrilled to do it through SoFi. 💰.Version: 2.160

Great but Lacks Recurring Transfer AbilitiesGreat simple app that lets you segregate your savings into “Vaults”, so they can act like sinking funds all the while still giving you 4.2% on all the savings and Vaults when you set up direct deposit to go to Sofi. However, I find it extremely annoying they have not added the ability to do Recurring Transfer from Sofi to external accounts even after TWO years of users like myself saying we NEED IT. For example, if I wanted to send money to my checkings at another bank (credit union) to pay for my auto loan I cannot do that. I like to pay my auto loan with my credit union account because they give me 0.25% off the interest rate when I pay with one of their accounts. This means I have to MANUALLY transfer my money every month to pay for my car loan. This is 2023 people, let’s automate payments whenever possible. If they added this function, I would likely be a more long term customer but this really turned me off. I do enjoy the savings rate, but I would consider looking to other banks to keep my money at if they don’t add this feature within the year..Version: 2.152.2

It’s visually noisyI liked the app at first but it’s so field with ads and things I am not interested in. I’d love to see a user interface that is more customizable. It is a little overwhelming to come into an application and see banking credit cards, and personal loans. I’m not against that, but I have it in my visual say while I’m in the app and trying to do other things becomes cumbersome. There is something to be said about subtly and having the opportunity there and allowing the user to make that choice after having a good experience, using another aspect of the application. I suppose you could call and visual litter lol?? I REALLY would like the ability in the investment section to have a tool within the app, and within a particular stock to see the target pricing. Currently when I look at a stock, I leave the app and find the target, low medium and high pricing for a stock. I think this is a great opportunity for SoFi to add that within the application itself. You’ll lose customers to other applications or banking systems that may already have that within their tool so it would be great to see Sofi bill that into this app..Version: 2.155

All your money, all in one place!This is probably a strange necessity, but one of the most first things I look at when looking for a new bank is the visual design of its app. Because, well, a lot of the big bank apps are *ugly*. SoFi’s app is nice and clean, and doesn’t give me eye strain whenever I need to check my balances. But the real benefit of SoFi is that it’s essentially an all-in-one money solution. Most people will probably benefit most by starting with its high-yield checking and savings bundle, but they also have automated investing, manual investing (not just stocks and ETFs, but also cryptocurrency), and a credit card that offers unlimited 2% cash back. And if that wasn’t enough, the app can also track external accounts outside of SoFi. I’ve even got it set to track the silver and gold I’ve purchased from APMEX. But in addition to external accounts including bank accounts, credit cards, and loans, it can also track the value of your car and your home. And all of that doesn’t even scratched the surface. It really is an all-one-one finance app..Version: 2.149

Love it, but I’d like to see more!I have been using SoFi for about a month now, and I LOVE IT. Being able to see where my money is going, learning more about investing, and having a ton of tools to help me as I learn financial independence as a college student is really helping me to get smart about my money and spending. I do feel like there are a few more tools that could be added to improve the budgeting aspect of this app. For instance, a round-up tool that could round up the remaining change in your purchases, to go toward stock or savings would be extremely beneficial. I’d also love if there was a way to create little secondary pots of money for me to allocate toward certain bills, like a separate pot for rent or my phone bill that I could accumulate separate from my checking account, and then move over to my checking once the bill is due, to prevent over spending (perhaps even an auto-transfer). All in all, I understand that this app is still growing and fine tuning what is already presented, but I would love to see these additional features added!.Version: 1.7.21

I left a bad review but have since changed my mind.It was my fault but I am still learning. I am still trying to to understand their overdraft. I just don’t want my card to have that option. I don’t want a charge to go thru. Everything else is good. Their app has a Robinhood with credit karma vibe. I hope they keep extending their connection possibilities. Doing auto connection is nice but manual as a back up no matter the account is awesome. Also it would be cool to have a virtual bullion vault where you can prove you have it by scanning the bullion every month. Also a collector vault like coins, cards etc would be cool. So far so good. I was rude w customer service a few times and I’m sorry. I do wish everything that happens in account was documented in tracking. So if a charge tries on your card and it’s denied then i would like to have a record of that instead of just a notification. But they are still new. So I’m hoping to trust and grow with them. I plan on hopefully moving all 15 of my accounts to one place bc I’m exhausted at having so many accounts even as a Broke man..Version: 2.121.1

SoFi has pluses and minusesOn the plus side is the possibility of a fully integrated personal financial system that incentivises sound practices like saving and investing. On the negative side, the app (and desktop interface) feel very cluttered with SoFi offerings that I can’t use or don’t need (and can’t hide or get rid of), which litters my screen and pushes the features I do use or need further down the page and makes me have to hunt for things. The interface needs to be much more customisable to alleviate this problem for committed users. A larger problem for me personally is that I want to move my primary banking and bill pay to SoFi, but their tools for tracking and categorising spending are so limited that this could ultimately be a deal-killer for me. You are limited to a few general spending categories which they define and the only way to customise transactions within these pre-determined categories are with tags (which are not searchable). Every time I categorize a transaction, I have to visually scan through a growing list of tags, trying to find the right one for each transaction. This makes the simple act of trying to accurately track my spending a tedious and laborious process. I hope they rectify this soon with more robust categorisation tools (like Mint) or I may have to abandon any plans to migrate my spending to SoFi since I depend on accurately tracked spending reports in order to do my taxes..Version: 2.72

I want to like this app but I don’tSeems like there is so much possibility for this app to be great. Who doesn’t want to see their finances in one place, manage banking and investments and more? Unfortunately it’s riddled with issues. Updates to manual information won’t take manual updates. Linked accounts have connection / sync issues constantly, debit and credit charge lists don’t line up for things like hotel charges and gasoline - the initial hold like $75 shows up and looks like someone used your card - but the transaction then reports elsewhere in the app correctly. I’m unable to delete linked accounts or they are linked multiple times. I don’t want to see student loan push notifications (I’m 61!) And I choose “see less like this” but there they are next time I log in. I have set up direct deposit from work but every day I have a push ad that says I should set up direct deposit. I’d like someone to get his/her/their/it act together. So much potential here yet so much noise, malfunction and mismatched logic. Fix fix fix. Please please please. Thank you!!!!!.Version: 2.61

My absolute favorite all-in-one finance appSoFi is an amazing company. The app is super slick and intuitive. I absolutely love the ease of bucketing my money into different accounts (for individual savings goals and budgeting), and I love the instant access to cash between my checking and investing account. I can trade stocks/funds instantly by tapping into my checking account. The interest rate on checking and savings (1.25% at the time of this review) is very competitive, and serves well as a place to store you idle cash (such as emergency fund, short term savings goals, etc.). Everything is clearly displayed on your dashboard in an easy-to-digest format. I can see my whole financial picture (including debts and loans) all in one place. SoFi stands for “Social Finance”, and that is exactly what this app nails. You can follow and track your friends investments, and see what other people are doing. It encourages transparency and openness, and motivates you to save and invest more. I feel like SoFi improves certain elements of behavioral finance where others have failed (i.e., Robinhood and the gamification of investing). I’m so honored and excited to belong as a member of SoFi, and can’t wait to watch this incredible company grow over the coming years..Version: 2.105

Lots of good features (maybe too much)SoFi has a lot of great features not found in other internet bank apps. Chime is my primary bank, but I use SoFi for their vaults. I love the vaults feature because I like to be super organized with my savings, and I have considered moving to SoFi as my main bank because of it and they ability to automatic split payments for direct deposit. My biggest complaint is this app is a lot! It’s almost overwhelming. SoFi really needs to take a more minimalist approach. The app UI could really be simplified a lot. They need make investing a separate app. It’s too much for someone like me just using the app for a bank. The homepage has too much irrelevant information. They need to get rid of the loan section or hide it better. It doesn’t need a whole tab. The credit card section would much better off just integrated into the bank section. SoFi also has an overwhelming amount of services they try role you into using. They really need redo the app from scratch with a simple, elegant user interface..Version: 2.110

Some suggestionsThis is a great app! I plan on moving my wife and I’s direct deposits here. However, I did have a couple of suggestions. 1. Please add scroll-to-top functionality for clicking at the top of the screen. 2. Separate all of the SoFi articles and such either into a separate tab or separate area. Most people want the “home” of their finance app to just be account overviews and such. Not a barrage of articles and suggestions. Also, every time the app is opened, it loads all of this stuff which is probably slowing it down a bit. 3. Add the ability to remove some of the “Accounts” at the very top of the Home tab. Such as life insurance (which I already have through my employer) and Student Loan Refi. 4. Refine the ability to create and maintain budgets. I’d even be willing to pay for this feature if it is refined enough. Monarch is able to charge $100/year for their budgeting app. By refine, I mean: a.) Add other connection options (Plaid is the main one, but doesn’t work with some providers). An example of one I’ve seen in Monarch is MX. b.) Make it so that reoccurring charges can be added/modified/maintained. Currently, they can only be recategorized. And it’s not picking up on my monthly mortgage payment from what I can tell as well as one of my utility bills. c.) Add the option to view all daily/monthly/yearly reoccurring charges at once. Currently, “reoccurring activity” only allows you to add or manage accounts. Pretty useless in my opinion as it is right now..Version: 2.188

Everything you need from a true investing appI would have given this platform 5 stars but due to the amount of time and uncertainty on how long it will take to review and approve my account I can’t it has been 12 hrs and still no update I can’t wait onto start trading !! Also what makes me give this app four stars, well now that I’m including this I should have rated 3 stars but this is a honest review so I’ll be fair. But what’s frustrating is that most of these investment services or “apps” use plaid when connecting your bank account and that is soooooo frustrating when I can’t link any of my bank accounts to SoFi because they don’t support my institution or bank so now I’m trying to figure out how to add money when I have 3 bank accounts and none of them will connect ugggh I just wanna trade!! But overall if you’re looking for a good overall investing experience this is the app to go for you will not be dissapointed!!! I love the fact u can see what other users are investing and watching as well pretty neat !!!.Version: 2.36.1

I’ve Finally Found Exactly What I’ve Been Looking ForI’ve been a member for about two years now and I must say that I’m very impressed with SoFi. A few years ago I had finally had enough with traditional brick and mortar banks and began my quest for an alternative. I kept my primary bank and started trying different online banks, which I kept separate as a precaution. I found SoFi Money through a recommendation from Stock Advisor and created an account. The rewards program is outstanding, the percentage yield for the savings account at 4% is mind blowing, and the additional products and services are pretty cool. The investment platform is basic and mainly geared towards novice investors however having the ability to build a strong portfolio all in the same place is fantastic. I utilize Trading View for analysis and such so not having the in depth tools within is not a huge turnoff. I’m sure they will be introduced eventually as SoFi is constantly evolving. All in all, I feel confident in my decision to use SoFi for my financial needs and look forward to seeing what else they bring to the table. I do have a few suggestions that I’d like to provide that I believe would be well received by both your company and clients as well. Please feel free to reach out to me directly or provide an email address so I can contact you privately. Keep up the great work!.Version: 2.147

Old guy new to Fintech...and other techie productsI’m an older man that is learning these new millennial trends like online banking. Because of my age and disability, my generation like to do things the old way, like going to a physical bank. But as of late, I have a hard time being mobile and waiting in the long lines because of the pandemic. I had no choice but to conquer my fears to learn about how to use the computer and understand the latest technology. And believe me, many of us old people struggle to learn the latest technologies. Regarding SoFi, I can not believe the simplicity of using the app. It is easier to use than what I thought because of difficulties from other online Fintech companies that made me struggle. Because I never understood about playing the stock market, SoFi made it easy for me to buy shares, which I never had the education or knowledge on where to start. Not only that, the customer service were helpful in guiding me when I did have little hiccups. Much credit to this new company making my banking online easier in my life..Version: 2.40

Sofi invest updateI know this is a lot but I think you should try a crypto car. The user would have a crypto portfolio in that portfolio her can have whatever crypto he/she wants. And as many (at least 5). Then a user fills that portfolio with money not the currency. The app then calculates how many shares they will get for each share. Like a 24/7 currency monitor that will always reflect whatever dollar amount he/she has in the “SoFi Crypto” accnt. Then he or she can make purchases and sell with crypto with everyday purchases. Once your a bank you’ll be the first with this Imagine to be able to not even exchange coin because “Sofi Crypto” is the wallet. You just link your accnt or transfer any other sofi accnt, fund the crypto and go. Since you guys are all about learning you can persuade them by teaching people to sell and trade with Bitcoin is an investment. Yes at times a risky one. But luckily enough there’s more than one coin. And that’s where you can lure them. It can be a safe haven for your money. So instead of risking your money on one coin, Sofi Crypto will hold 5 coins of your choice and. Your amount in coin will reflect the amount of money in accnt/ portfolio Also add a dark mode to your app and a beginner and professional tab on your invest app to allow for more and better details on charts stocks the obviously options..Version: 2.57

Great app, but could be better.I’ve been logging into this app pretty much every day since I started my SoFi account at the beginning of July. It has a very clean interface, and definitely not cluttered. I use the iPhone app on the go, and the iPad app when I have more than a simple transaction, or I’m needing to do multiple things at home. I absolutely LOVE the Vaults feature - I’ve been wanting a feature like that for years, and was the biggest impetus in getting me to switch. In the app, it’s quick, easy, and instant to transfer money between SoFi accounts and in and out of Vaults. Could be better: Allow customers to hide products that don’t apply to them (i.e. I’ve been out of school for almost 25 years, and won’t be getting a student loan anytime soon), complete allowing the entire app to work in dark mode, instead of just certain screens. Allow SoFi Insights to function similarly to a check register for transactions, so we can mark them as "paid" or "reconciled". I know SoFi is still a bit new to the banking game, and there will be growing pains I’m sure - but so far they’ve got a good handle on it, and this app is proof of that. I hope to see incremental improvements that will make this one of the best banking apps available..Version: 2.162

Most ExcellentI am rewriting my review for SoFi. I feel like my first one wasn’t detailed enough to do it justice. The SoFi app is an all around efficient app. You get the chance to have a checking account,savings, investing, cryptocurrency, IRAs,Relay, and now a credit card. Plus the app is super simple to use and easy to understand. Plus their really aren’t any fees to this account and I was fortunate enough I was able to be grandfathered into the all atm reimbursement. Plus I took advantage of several sign up bonuses they offer and it really got me into investing. It doesn’t have all the l stocks and ETFs but they do offer the most popular ones. The interest they pay at the moment is low but that is only because the feds lowered the interest rates. So without a doubt I’m sure they will raise it again once the Feds do. Plus their debit card has cash back offers. With the relay you are also able to see your spending and track your credit score. All around I would recommend this cash management account to anyone. 5 Stars! NO CAP!.Version: 2.34

Easy navigation . Literally all my $ finances in one place.I downloaded SoFi initially to check refinance rates for my car. Stayed for the awesome interface and services. I love that im able to track all my finances in one place. The value of my home, the balance on my robinhood, fidelity, and Bank of America accounts. My credit score. My credit card debts. All my reoccurring auto payments . It’s all here in one place on one screen. It’s incredible to see all your net worth all in one place. I received free money for opening an investment account with SoFi , so opened one as well, why not? Brokerage interface is easy to use as well. Unlike robinhood , it has a very “social media” vibe. You can add friends just like on Facebook and follow what trades they make and what positions they hold in their portfolios. There’s updated news/articles/ educational material regarding anything you’re interested in. This doesn’t feel like a banking app, it’s truly addictive like a social media app. I haven’t opened a checking or savings account with SoFi yet. It says they’re offering 1.25% apy for these accounts if you direct deposit. I don’t think I’ve ever seen any bank with that rate. I need to look more into it if there’s fine print , but it’s definitely where I’d rather park ny savings money instead of collecting dust at Bank of America . Overall a fun app. Can’t wait to see what other features get added on..Version: 2.98.1


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