SoFi - Mobile Banking App SupportSocial Finance, Inc

SoFi - Mobile Banking App Support

4.77382 star

Total 287,422 Ratings

What is SoFi - Mobile Banking? Description of SoFi - Mobile Banking

Earn up to 4.50% on checking and savings accounts with SoFi.*

Get up to $1000 in stock when you fund an active Invest account.†

• Earn more, save more, and make the most of your money with SoFi Plus
• Track your money like a champion with SoFi Insights (formerly SoFi Relay)
• Get paid up to 2 days early when you set up direct deposit**
• Experience zero account fees and no fee overdraft coverage with SoFi Checking and Savings***
• Save automatically, set savings goals, and organize your money with SoFi Vaults and Roundups

• Active investing in stocks, ETFs, and more - without commission
• Experience user-friendly options trading with no contract fees
• You can invest in your favorite company with as little as $5 with SoFi Fractional Shares (restrictions apply)
• Plan for retirement with SoFi’s IRAs and other investment products
• Invest in upcoming IPOs before they hit the public market (if eligible)****

• Connect all your accounts on one mobile dashboard
• Monitor your credit score at no cost
• Track your spending and manage your budget
• Talk 1-on-1 with a financial planner to set personalized goals
• SoFi can alert you of upcoming bills so you never miss a payment

• Check your balance and pay your bills all within the SoFi app
• SoFi keeps your personal information guarded against fraud
• Make international purchases without any extra fees
• Receive up to $1000 of complimentary cell phone insurance coverage^
• Earn unlimited 2% cash back rewards^^

Support: Call (855) 456-SOFI (7634) or chat with us online at



*SoFi members with direct deposit can earn up to 4.50% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum direct deposit amount required to qualify for the 4.50% APY for savings. Members without direct deposit will earn up to 1.20% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 8/2/2023. There is no minimum balance requirement. Additional information can be found at

†Customer must fund their Active Invest account with at least $10 within 30 days of opening the account. Probability of customer receiving $1,000 is 0.028%. See full terms and conditions.

**Early access to direct deposit funds is based on the timing in which we receive notice of impending payment, which is typically up to two days before the scheduled payment date.

***Overdraft Coverage is limited to $50 on debit card purchases only and is available to customers with monthly direct deposits of $1,000 or more. Members with a prior history of non-repayment of negative balances are ineligible for Overdraft Coverage.

****Investing in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. For a comprehensive discussion of these risks please refer to SoFi Securities’ IPO Risk Disclosure Statement.

^This World Elite Mastercard® Benefit comes with $1,000 in yearly coverage ($800 max per claim, 2 claims per year) should your cell phone get stolen or need certain repairs. Simply pay for your cell phone bill with your World Elite Mastercard to activate coverage. See ‘Peace of Mind’ section in your guide to benefits for details or call 1-800-MASTERCARD.

^^See Rewards Details at

  1. SoFi - Mobile Banking App User Reviews
  2. SoFi - Mobile Banking Pros
  3. SoFi - Mobile Banking Cons
  4. Is SoFi - Mobile Banking legit?
  5. Should I download SoFi - Mobile Banking?
  6. SoFi - Mobile Banking Screenshots
  7. Product details of SoFi - Mobile Banking

SoFi - Mobile Banking App User Reviews

What do you think about SoFi - Mobile Banking app? Ask the community a question about SoFi - Mobile Banking!

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SoFi - Mobile Banking Pros

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. 💰.PshadajVersion: 2.160

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..Emeza1Version: 2.98.1

✓   SoFi - Mobile Banking Positive Reviews

SoFi - Mobile Banking Cons

DON’T WASTE YOUR TIMEComplete waste of time and you will also look bad to the people you tell to go make an account with Sofi because you will tell them that they will get a bonus when they open an account but this is a scam that tell you and the person you referred will get a bonus but you never get it or at least the person I referred didn’t and neither did I. I also was supposed to get another bonus for just applying for a mortgage loan rate or something like that which I did and I still haven’t gotten that one either and I doubt I will. I definitely will let everyone I know to stay away from this false bonus app because they will just be wasting time for nothing. And customer service doesn’t help at all. I called once and was told that I should see the bonus get deposited in 30 days. It’s been way more time than that and still nothing. I tried to call back to see why I still hadn’t got either bonus and they changed the menu options to make it impossible to speak with a real person and they also removed the option to get help with bonuses so good luck getting any bonus at all. If I could’ve gave 0 stars I would’ve..QueenDiaz214Version: 2.105

More about sales than functionalityI only use the SoFi application for banking in a checking and savings account. I find the Ally application much better and more intuitive, if only Ally could Match the interest rates. The SoFi app puts a lot of quick access menus that I will never use in more prominent positions that the useful functionality that I want to see. For example, at the top of the banking tab, and filling half the screen, I have the following options. 1) Refer your friends. 2) Autopilot 3) Pay in 4 (early access) 4) Shop local. Get Rewards. 5) Buy stocks, ETFs, and more. Below these things I will never use, I finally have two account tabs. These two tabs should be at the top where they are most accessible. In fact i wish I could just remove that whole 1 to 5 section from the display all together! My other main complaint is that when I do a transfer, the default from/to accounts are my Ally accounts. I believe the defaults should be SoFi accounts when in the SoFi app! My home tab feels more likely a Facebook news feed than a banking app. When le the app does have most of the functionality you would want for banking, it’s not well organized..Dragon ChiefVersion: 2.137

✗   SoFi - Mobile Banking Negative Reviews

Is SoFi - Mobile Banking legit?

Yes. SoFi - Mobile Banking is 100% legit to us. This conclusion was arrived at by running over 287,422 SoFi - Mobile Banking user reviews through our NLP machine learning process to determine if users believe the app is legitimate or not. Based on this, AppSupports Legitimacy Score for SoFi - Mobile Banking is 94.5/100.

Is SoFi - Mobile Banking safe?

Yes. SoFi - Mobile Banking is quiet safe to use. This is based on our NLP analysis of over 287,422 user reviews sourced from the IOS appstore and the appstore cumulative rating of 4.7/5. AppSupports Safety Score for SoFi - Mobile Banking is 95.0/100.

Should I download SoFi - Mobile Banking?

There have been no security reports that makes SoFi - Mobile Banking a dangerous app to use on your smartphone right now.

SoFi - Mobile Banking Screenshots

  • sofi - mobile banking iphone screenshot 1
  • sofi - mobile banking iphone screenshot 2
  • sofi - mobile banking iphone screenshot 3
  • sofi - mobile banking iphone screenshot 4

Product details of SoFi - Mobile Banking

App Name:
SoFi - Mobile Banking
App Version:
Social Finance, Inc
Legitimacy Score:
Safety Score:
Content Rating:
4+ Contains no objectionable material!
Finance, Business
App Size:
543.95 MB
Bundle Id:
Relase Date:
10 April 2017, Monday
Last Update:
09 October 2023, Monday - 20:05
IOS 14.0 or later

SoFi - Mobile Banking 2.173 Update Note
✱ Version History

• Earn more, save more, and make the most of your money with SoFi Plus • Track your money like a champion with SoFi Insights (formerly SoFi Relay) • Get paid up to 2 days early when you set up direct deposit** • Experience zero account fees and no fe....

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