Bank app facts
SoFi app
SoFi: Bank, Invest & Crypto on iPhone and Android. Store facts as of .
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What the SoFi app is for and who it fits
SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC, so SoFi is a bank as well as an app. The SoFi app is where you pay bills, deposit checks, send money and manage your digital wallet, and SoFi says live support is available 7 days a week.
SoFi says it doesn't charge account, service or maintenance fees on SoFi Checking and Savings, though it does charge for outgoing wires and some instant transfers. With direct deposit set up, SoFi says your paycheck can arrive up to two days early.
The same app also covers SoFi Invest, where SoFi says you can trade stocks and ETFs or choose automated investing. It fits people who want banking, investing and loans from one company, and investing always carries risk.
Written from these official pages, checked :
- sofi.com/banking (opens in a new tab) (checked Oct 25, 2026)
- sofi.com/app (opens in a new tab) (checked Oct 25, 2026)
- sofi.com/invest (opens in a new tab) (checked Oct 25, 2026)
Store ratings
These are store ratings from app users on the App Store and Google Play, not a Priceless Tay score.
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
App facts
- Last App Store update
- Version 3.121.0, released Nov 7, 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
What the app looks like, screen by screen
Every image we have of the SoFi app, grouped by task. 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 (4)
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 (1)
App Store marketing imageA row of Transfer, Deposit, Pay and Zelle buttons.App Store listing, as of
Card controls (1)
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 (2)
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 (2)
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 (1)
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 (3)
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
Budget (1)
App Store marketing imageA Spending pace to target card showing $7,000 spent, overspent by $1,000, against a $6,000 target line.App Store listing, as of
Other screens (1)
From SoFi's websiteA floating card showing a credit score of 732, up 10 points, rated Good, with a colored score bar.sofi.com, as of
Features its official sources state
SoFi's website, help center or app store listing states these 10 app features, in the bank's own words.
- Stated in the bank's official sources
Mobile check deposit
“take a quick snapshot of your check, and you’re done.”
- Stated in the bank's official sources
Card lock and unlock
“If you lose your card, you can easily freeze it or report it as lost or stolen right from the SoFi banking app.”
- Stated in the bank's official sources
Send money to people (P2P and Zelle)
“In the Banking section of the SoFi app, tap Transfer, then Send Money to a Friend.”
- Stated in the bank's official sources
Account alerts
“Plus, you can set push notifications to get real-time alerts about your account.”
- Stated in the bank's official sources
Budgeting or spending insights
“With comprehensive credit score monitoring, intuitive spending breakdowns, budgeting tools, and personalized financial insights”
- Stated in the bank's official sources
Automatic saving
“Set automatic savings goals with Vaults and use Roundups to keep the change when you spend.”
- Stated in the bank's official sources
Virtual assistant (SoFi Coach)
“To start using SoFi Coach, navigate to the home page of your SoFi app and tap the round SoFi Coach icon at the top.”
- Stated in the bank's official sources
Face or fingerprint sign-in
“Log into your mobile bank account using your fingerprint, your face, or a code sent via text.”
- Stated in the bank's official sources
Credit score in the app
“With free credit score monitoring from SoFi, you get weekly score updates”
As of · sofi.com/app
- Stated in the bank's official sources
Apple Pay or Google Pay
“Your SoFi Debit Card can be added to Apple Pay®, Google Pay™, or Samsung Pay®.”
✓ means the bank's official sources (its website, help center or official app store listing) state it, with the quote and page shown. ✕ means those sources say the bank doesn't offer it. We never mark a feature ✕ just because a page doesn't mention it.
Privacy and accessibility 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.
App privacy
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
SoFi
The App Store listing shows no accessibility labels for this app (checked Oct 25, 2026). That means the developer hasn't listed them, not that the app has no accessibility support.
FAQ
What accounts can I manage in the SoFi app?
SoFi says you can pay bills, deposit checks, send money and manage your digital wallet for SoFi Checking and Savings in the SoFi app, and that SoFi Invest accounts live in the same app.
Is SoFi a bank?
Yes, SoFi says SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.
Does SoFi offer early direct deposit?
Yes, SoFi says payday can come up to two days earlier when you set up direct deposit, based on when it gets notice of the payment.
Can I invest in the same SoFi app?
Yes, SoFi says you can trade stocks and ETFs, invest in IPOs or try automated investing, all in the SoFi app.
Compare SoFi with another app
Sources and dates
SoFi
- App Store facts, privacy and accessibility labels, screenshots and icon: App Store listing and Apple's iTunes Lookup API, checked Nov 12, 2026.
- Google Play rating and update date: Google Play listing, checked Oct 25, 2026.
- Features, from SoFi's official sources: sofi.com/banking/online-banking/mobile-banking, sofi.com/banking/automatic-savings, sofi.com/what-is-sofi-coach-and-how-does-it-work, sofi.com/app, sofi.com/banking/checking-account/digital-wallet.
How we compare bank apps explains every source and what we don't do yet. See every bank app.
This is education, not financial advice.
