Bank app comparison
SoFi vs Upgrade app
Store facts as of
Short answer
On the App Store, SoFi has a store rating of 4.7 out of 5 from 385,429 ratings, and Upgrade has a store rating of 4.9 out of 5 from 83,655 ratings, as of Oct 24, 2026. SoFi last updated its iPhone app on Oct 23, 2026, and Upgrade on Oct 16, 2026. Of the 10 app features we look for on each bank's own website, we found 8 stated by SoFi and 3 by Upgrade.
Store ratings
These are store ratings from app users on the App Store and Google Play, not a Priceless Tay score.
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
Upgrade
Google Play rating (Android)
4.4out of 5
29.9K reviews, as shown on Google Play. Updated on Oct 15, 2026.
As of · Google Play listing
Updates and app facts
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. Upgrade last updated its iPhone app on Oct 16, 2026, 8 days before we checked, and Google Play shows its Android app updated on Oct 15, 2026.
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
Upgrade
- Last App Store update
- Version 1.35.1, released Oct 16, 2026
- App size
- 97.6 MB
- Requires
- iOS 15.1 or later
- Runs on
- iPhone and iPod touch
- Languages
- 2 (English and French)
- Developer
- Upgrade, Inc.
As of · App Store listing
Features each bank states
✓ 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
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
Upgrade
Google Play marketing imageAn Android Upgrade menu listing Personal Loans, Credit Cards, Rewards Checking Preferred, Premier Savings, Home Improvement, Auto Finance and Flexpay.Google Play listing, as of
Transfer and send
SoFi
App Store marketing imageA row of Transfer, Deposit, Pay and Zelle buttons.App Store listing, as of
Upgrade
No official screen found yet
Card controls
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
Upgrade
Google Play marketing imageA OneCard Essentials screen showing $2,500.00 available credit and a $250.00 current balance, with a Rewards card showing $3.28 available and an Activity list.Google Play listing, as of 
App Store marketing imageAn Upgrade Card screen showing $2,500.00 available credit, a Rewards and Benefits card with a $3.28 available rewards balance and a Redeem button, and an Autopay row.App Store listing, as of 
App Store marketing imageA green Upgrade Card tile showing $2,500.00 available credit.App Store listing, as of 
App Store marketing imageA Rewards and Benefits card showing a $3.28 available rewards balance with a Redeem button.App Store listing, as of
Investments
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
Upgrade
No official screen found yet
Reports and insights
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
Upgrade
No official screen found yet
Transactions
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
Upgrade
No official screen found yet
AI assistant
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
Upgrade
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.
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
Upgrade
Data Used to Track You
- Identifiers
Data Linked to You
- Financial Info
- Contact Info
- Identifiers
Data Not Linked to You
- Usage Data
- Diagnostics
As of · App Store listing
Accessibility labels
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 SoFi and Upgrade?
SoFi has a store rating of 4.7 out of 5 from 385,429 ratings. Upgrade has a store rating of 4.9 out of 5 from 83,655 ratings. These are App Store ratings from users, not a Priceless Tay score.
What are the Google Play ratings for SoFi and Upgrade?
SoFi shows 3.7 out of 5 (54.1K reviews) on Google Play, and Upgrade shows 4.4 out of 5 (29.9K reviews).
When were the SoFi and Upgrade iPhone apps last updated?
SoFi released version 3.119.0 on Oct 23, 2026. Upgrade released version 1.35.1 on Oct 16, 2026.
Which Apple devices do the SoFi and Upgrade apps run on?
The App Store lists iPhone, iPad, iPod touch and Apple Vision for SoFi, and iPhone and iPod touch for Upgrade.
Which app features does SoFi state that we did not find for Upgrade?
SoFi's own website states card lock and unlock, send money to people, budgeting or spending insights, automatic saving, face or fingerprint sign-in and credit score in the app. We did not find those stated on Upgrade's website, which does not mean the Upgrade app lacks them.
Which app features does Upgrade state that we did not find for SoFi?
Upgrade's own website states apple pay or google pay. We did not find that stated on SoFi's website, which does not mean the SoFi app lacks it.
Keep comparing
- See every fact on the SoFi app page, with all four screenshots.
- See every fact on the Upgrade app page, with all four screenshots.
- Compare other bank apps, or read how we compare bank apps.
Sources and dates
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.
Upgrade
- 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 Upgrade's own website: upgrade.com/help/deposit-checking-savings/rewards-checking/what-is-mobile-deposit, upgrade.com/rewards-checking.
- Upgrade's help center says Rewards Checking Preferred customers use the Upgrade mobile app (help page 'Does Rewards Checking Preferred have a mobile app?').
This is education, not financial advice.
