Bank app comparison
Betterment vs SoFi app
Store facts as of
Short answer
On the App Store, Betterment has a store rating of 4.8 out of 5 from 66,106 ratings, and SoFi has a store rating of 4.7 out of 5 from 385,429 ratings, as of Oct 24, 2026. Betterment last updated its iPhone app on Oct 20, 2026, and SoFi on Oct 23, 2026. Of the 10 app features we look for on each bank's own website, we found 1 stated by Betterment and 8 by SoFi.
Store ratings
These are store ratings from app users on the App Store and Google Play, not a Priceless Tay score.
Betterment
Google Play rating (Android)
4.6out of 5
19.6K reviews, as shown on Google Play. Updated on Oct 19, 2026.
As of · Google Play listing
SoFi
Google Play rating (Android)
3.7out of 5
54.1K reviews, as shown on Google Play. Updated on Oct 23, 2026.
As of · Google Play listing
Updates and app facts
Betterment last updated its iPhone app on Oct 20, 2026, 4 days before we checked, and Google Play shows its Android app updated on Oct 19, 2026. SoFi last updated its iPhone app on Oct 23, 2026, 1 day before we checked, and Google Play shows its Android app updated on Oct 23, 2026.
Betterment
- Last App Store update
- Version 9.61.0, released Oct 20, 2026
- App size
- 150 MB
- Requires
- iOS 16.0 or later
- Runs on
- iPhone
- Languages
- 3 (English and 2 more)
- Developer
- Betterment
As of · App Store listing
SoFi
- Last App Store update
- Version 3.119.0, released Oct 23, 2026
- App size
- 282.6 MB
- Requires
- iOS 15.2 or later
- Runs on
- iPhone, iPad, iPod touch and Apple Vision
- Languages
- 1 (English)
- Developer
- Social Finance, LLC
As of · App Store listing
Features each bank states
| Feature | Betterment | SoFi |
|---|---|---|
| Mobile check deposit | Not found on the bank's site yet | Stated on the bank's siteSource: sofi.com/banking/online-banking/mobile-banking |
| Card lock and unlock | Not found on the bank's site yet | Stated on the bank's siteSource: sofi.com/banking/online-banking/mobile-banking |
| Send money to people | Not found on the bank's site yet | Stated on the bank's siteP2P and ZelleSource: sofi.com/banking/online-banking/mobile-banking |
| Account alerts | Not found on the bank's site yet | Stated on the bank's siteSource: sofi.com/banking/online-banking/mobile-banking |
| Budgeting or spending insights | Not found on the bank's site yet | Stated on the bank's siteSource: sofi.com/banking/online-banking/mobile-banking |
| Automatic saving | Stated on the bank's siteSource: betterment.com/cash-reserve | Stated on the bank's siteSource: sofi.com/banking/automatic-savings |
| Virtual assistant | Not found on the bank's site yet | Not found on the bank's site yet |
| Face or fingerprint sign-in | Not found on the bank's site yet | Stated on the bank's siteSource: sofi.com/banking/online-banking/mobile-banking |
| Credit score in the app | Not found on the bank's site yet | Stated on the bank's siteSource: sofi.com/app |
| Apple Pay or Google Pay | Not found on the bank's site yet | Not found on the bank's site yet |
| Stated on the bank's site | 1 of 10 | 8 of 10 |
✓ means the bank's own website states it, with the quote and page shown. ? means we did not find it stated on the bank's site, not that the app lacks it. We never mark a feature as missing unless the bank says so. Each ✓ links to the page it came from; the quotes are on each app's own page.
Screen by screen
Pick a task to see what each app shows for it. App Store, Google Play and bank website images are the bank's own marketing, so names and balances are sample data. Help center images come from the bank's support pages. See every bank app's screens.
Home and accounts
Betterment
App Store marketing imageA Good morning, Alex home screen with total net worth and Betterment balance, and an Accounts list with Cash Reserve, Automated Investing, Self-directed investing and Retirement.App Store listing, as of 
App Store marketing imageA Cash Reserve screen showing a $17,032.38 balance, current APY, FDIC insurance and total interest paid, Deposit and Transfer buttons, and recent activity.App Store listing, as of 
App Store marketing imageAn Accounts list with Cash Reserve at $8,000.00, Automated investing at $40,368.66, Self-directed investing at $5,627.20 and Retirement at $75,915.12.App Store listing, as of 
App Store marketing imageA card showing current APY of 4.25% boosted, FDIC insurance up to $4M and $195.16 total interest paid.App Store listing, as of 
From Betterment's websiteA Checking card showing a $3,048.38 available balance and $36.00 in ATM fees reimbursed, with a No fees label.betterment.com, as of
SoFi
App Store marketing imageA Banking screen showing $51,526.90 total available balance, Checking and Savings balances, Transfer, Deposit, Pay and Zelle buttons, and an Activity list.App Store listing, as of 
App Store marketing imageA Good morning, Sammy home screen with Banking, Invest, Crypto and Personal loans rows and Relay insights tiles for spending and net worth.App Store listing, as of 
App Store marketing imageA card listing Checking at $4,256.90 and Savings at $47,270.00.App Store listing, as of 
App Store marketing imageRows for Banking at $27,282.12 and Invest at $38,651.40 with Crypto and Personal loans shortcuts.App Store listing, as of
Transfer and send
Betterment
No official screen found yet
SoFi
App Store marketing imageA row of Transfer, Deposit, Pay and Zelle buttons.App Store listing, as of
Card controls
Betterment
From Betterment's websiteA Manage account panel with a Card lock toggle switched off and a Change debit card PIN row.betterment.com, as of
SoFi
From SoFi's websiteA Debit card screen showing the card, an Activate your debit card prompt, a Freeze card toggle switched off, an Add to Apple Wallet button, and Reset PIN and Replace card rows.sofi.com, as of
Investments
Betterment
App Store marketing imageA Self-directed investing screen showing a $30,000.00 balance with a performance chart and a Holdings list with Amazon and Netflix.App Store listing, as of 
App Store marketing imageA Portfolio options screen asking Choose a portfolio to invest in, listing options such as Betterment Core, Goldman Sachs Smart Beta, Innovative Technology and Climate Impact.App Store listing, as of 
App Store marketing imageAn Automated investing screen listing account benefits including tax losses harvested of $1,742.55 and dividends earned, with an Automate your savings section.App Store listing, as of 
App Store marketing imageA Performance screen showing a $162,387.10 balance with a growth chart, time range buttons and an Accounts list.App Store listing, as of 
App Store marketing imageA Holdings card with Amazon at $4,206.74 and Netflix at $3,597.55 and an Add asset link.App Store listing, as of 
App Store marketing imageA callout showing $1,742.55 in tax losses harvested.App Store listing, as of 
App Store marketing imageA balance and invested line chart from 2011 to today with time range buttons.App Store listing, as of 
From Betterment's websiteAn Automated investing card with a $50,460.82 balance, a 90% stocks ring, a growth chart and time range buttons.betterment.com, as of 
From Betterment's websiteA Self-directed investing header above tiles for AAPL, GOOG, SPY, MSFT, AMZN and NVDA.betterment.com, as of 
From Betterment's websiteA Tax-coordinated portfolio row above Traditional 401(k) at $91,281.24 and Roth IRA at $24,109.32.betterment.com, as of
SoFi
App Store marketing imageAn Invest screen showing $11,305.40 with a one week performance chart, time range buttons and an Accounts section.App Store listing, as of 
App Store marketing imageA portfolio value of $11,305.40, up $178.60 in the past week, above a one week line chart and time range buttons from 1W to MAX.App Store listing, as of
Reports and insights
Betterment
No official screen found yet
SoFi
From SoFi's websiteA tilted home screen showing a Banking balance of $27,282.12 and Coach insights tiles for spending at $1,282, net worth at $1,378,220, subscriptions at $80 and a credit score of 732.sofi.com, as of 
App Store marketing imageRelay insights tiles for spending at $1,282.12, pacing high this month, and net worth at $1,278,220.50.App Store listing, as of
Transactions
Betterment
No official screen found yet
SoFi
App Store marketing imageAn Activity section with Checking and Savings tabs and a scheduled $500.00 transfer to savings.App Store listing, as of
AI assistant
Betterment
No official screen found yet
SoFi
App Store marketing imageA SoFi Coach Beta screen asking How can I help? with suggested topics for support, taxes and optimizing money.App Store listing, as of 
App Store marketing imageA July spending trend chat where the user asks How am I spending this month? and Coach shows a $7,000 spending pace chart against a $6,000 target with suggested follow-up questions.App Store listing, as of 
App Store marketing imageA user chat bubble asking How am I spending this month?App Store listing, as of
Sharing with a partner
Betterment
From Betterment's websiteA row reading Add someone to account with an arrow.betterment.com, as of
SoFi
No official screen found yet
Privacy labels
Apple's privacy labels are what each developer reports to Apple. Apple says it does not verify them. We copy the category names exactly as the App Store lists them.
Betterment
Data Used to Track You
- Contact Info
- Identifiers
- Usage Data
Data Linked to You
- Financial Info
- Location
- Contact Info
- User Content
- Identifiers
- Usage Data
- Diagnostics
Data Not Linked to You
Not listed on the App Store page.
As of · App Store listing
SoFi
Data Used to Track You
- Identifiers
Data Linked to You
- Purchases
- Financial Info
- Contact Info
- User Content
- Identifiers
- Usage Data
Data Not Linked to You
- Location
- Contacts
- Identifiers
- Usage Data
- Diagnostics
As of · App Store listing
Accessibility labels
Betterment
The App Store listing shows no accessibility labels for this app (checked Oct 24, 2026). That means the developer hasn't listed them, not that the app has no accessibility support.
SoFi
The App Store listing shows no accessibility labels for this app (checked Oct 24, 2026). That means the developer hasn't listed them, not that the app has no accessibility support.
FAQ
What are the App Store ratings for Betterment and SoFi?
Betterment has a store rating of 4.8 out of 5 from 66,106 ratings. SoFi has a store rating of 4.7 out of 5 from 385,429 ratings. These are App Store ratings from users, not a Priceless Tay score.
What are the Google Play ratings for Betterment and SoFi?
Betterment shows 4.6 out of 5 (19.6K reviews) on Google Play, and SoFi shows 3.7 out of 5 (54.1K reviews).
When were the Betterment and SoFi iPhone apps last updated?
Betterment released version 9.61.0 on Oct 20, 2026. SoFi released version 3.119.0 on Oct 23, 2026.
Which Apple devices do the Betterment and SoFi apps run on?
The App Store lists iPhone for Betterment, and iPhone, iPad, iPod touch and Apple Vision for SoFi.
Which app features does SoFi state that we did not find for Betterment?
SoFi's own website states mobile check deposit, card lock and unlock, send money to people, account alerts, budgeting or spending insights, face or fingerprint sign-in and credit score in the app. We did not find those stated on Betterment's website, which does not mean the Betterment app lacks them.
Keep comparing
- See every fact on the Betterment app page, with all four screenshots.
- See every fact on the SoFi app page, with all four screenshots.
- Compare other bank apps, or read how we compare bank apps.
Sources and dates
Betterment
- App Store facts, privacy and accessibility labels, screenshots and icon: App Store listing and Apple's iTunes Lookup API, checked Oct 24, 2026.
- Google Play rating and update date: Google Play listing, checked Oct 24, 2026.
- Features, from Betterment's own website: betterment.com/cash-reserve.
- Betterment's app covers Cash Reserve and investing. Features are read from betterment.com/cash-reserve.
SoFi
- App Store facts, privacy and accessibility labels, screenshots and icon: App Store listing and Apple's iTunes Lookup API, checked Oct 24, 2026.
- Google Play rating and update date: Google Play listing, checked Oct 24, 2026.
- Features, from SoFi's own website: sofi.com/banking/online-banking/mobile-banking, sofi.com/banking/automatic-savings, sofi.com/app.
This is education, not financial advice.
