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Alternatives

SoFi alternatives in 2026

Updated

Data as of

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SoFi Checking and Savings logoSoFiSavings account

SoFi is a savings account. SoFi lists 3.30% APY with eligible direct deposit or $5,000 in qualifying deposits, and 0.80% APY without them, in rates effective Oct 20, 2026. We checked that on Oct 29, 2026. Below are 18 other apps, starting with the other savings account, Ally, and then banking apps and investing apps. They're ranked by how close each app's category is to SoFi's, not by how good it is, and every fact shows the date we checked it.

Before you compare: This compares features and fees from each company's own pages. It isn't investment advice, and investing involves risk, including loss of money.

Short answer

The closest alternatives to SoFi are Ally, Chime and MoneyLion, because Ally is also a savings account and Chime and MoneyLion are banking apps. SoFi lists 3.30% APY with eligible direct deposit or $5,000 in qualifying deposits, and 0.80% APY without them, in rates effective Oct 20, 2026. We checked SoFi on Oct 29, 2026, and every card below shows its own dates.

What SoFi says on its own pages

Before you compare, here is what SoFi itself says about these points. Quotes are its own words, and each line links to the page we read.

  • Sharing with a partner: “Yes, we offer joint accounts with SoFi Checking and Savings!” (source, opens in a new tab, checked )
  • People per plan: “Our joint bank account helps two adults build toward the future as a team.” (source, opens in a new tab, checked )
  • Joint and personal views: “If you have both an individual SoFi Savings account and a joint SoFi Savings account at the time you qualify for the APY Boost” (source, opens in a new tab, checked )
  • Shared goals: “Save together towards your shared goals by easily adding a joint account holder.” (source, opens in a new tab, checked )
  • Exporting your data: “You can export your SoFi Checking and Savings transactions to a CSV file at any time by following these steps:” (source, opens in a new tab, checked )
  • Age and family: “You must be 18 years or older to open any SoFi Bank account with us whether joint or individual.” (source, opens in a new tab, checked )

What SoFi and its alternatives cost

  • SoFi Checking and Savings logoSoFi Checking and Savings

    SoFi says its Checking and Savings has no monthly, minimum or maintenance fees.

  • Ally Bank Savings logoAlly Bank Savings

    Ally charges no monthly maintenance fees on its savings account.

  • Chime logoChime

    Chime says its savings account has no fees, and you need an active Chime Checking Account to open one.

  • MoneyLion

    $0a month

    The optional MoneyLion One membership costs $9.99 a month, or $0 a month when you direct deposit $500 or more each month.

    As of · moneylion.com/one

  • Acorns logoAcorns

    $4a month

    Acorns has three monthly plans: Bronze at $4 a month, Silver at $8 a month, and Gold at $12 a month.

    As of · acorns.com/pricing

  • Ally Invest logoAlly Invest

    Ally Invest Robo Portfolios: the Cash-Enhanced Portfolio has a 0% advisory fee (it keeps 30% as a cash buffer), and the Market-Focused Portfolio has a 0.30% annual advisory fee.

  • Betterment

    Betterment's base price for investing accounts is $5/month. It switches to 0.25% a year of your investing balance once you set up recurring monthly deposits of $200 or more or reach a $24,000 balance. Premium is 0.65% a year and needs $100,000 invested.

    As of · betterment.com/pricing

  • Bloom logoBloom

    $15a month

    Bloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year.

    Cost over 1 and 3 years: $99.99 and $299.97, at the yearly list price before tax.

    As of · bloomapp.com/faq

  • Charles Schwab logoCharles Schwab

    Schwab Intelligent Portfolios, Schwab's robo-advisor, lists no advisory fee and no commissions. You still pay the operating expenses of the ETFs in the portfolio.

    As of · schwab.com/pricing

  • E*TRADE logoE*TRADE

    E*TRADE's Core Portfolios list a flat annual advisory fee of 0.30% for an account market value of $500+.

  • Fidelity Investments logoFidelity Investments

    Fidelity Go, Fidelity's robo advisor, lists a gross advisory fee of $0 for balances under $25,000 and 0.35% a year for $25,000 and above.

  • M1 logoM1

    M1 doesn't charge commission, trading or management fees for self-directed brokerage accounts. It charges a platform fee of $3/month, waived for clients with more than $10,000 on the platform.

    As of · m1.com

  • Public logoPublic

    Public's Generated Assets portfolios list a management fee of 0.49% a year (its Dividends portfolio page, for example).

  • Robinhood

    Robinhood Strategies has a 0.25% annual management fee. Eligible Robinhood Gold members ($5 monthly subscription) pay it on only the first $100,000 of assets in their account.

    As of · robinhood.com/us/en/strategies

  • SoFi Invest logoSoFi Invest

    SoFi's fee schedule (last updated 10/1/2026) lists a 0.25% annual advisory fee for Robo-Advisor accounts.

  • Stash logoStash

    $12a month

    The Stash Plan costs $12 a month, or $108 billed annually.

    As of · stash.com/pricing

  • Vanguard logoVanguard

    Vanguard Digital Advisor charges an annual gross advisory fee of 0.20% for index portfolio options or 0.25% for an active portfolio option. That fee is reduced by a credit for revenue Vanguard keeps from the investments in your account.

  • Wealthfront

    Wealthfront's advisory fee for The Wealthfront Portfolio is 0.25% annually.

    As of · wealthfront.com/pricing

  • Webull logoWebull

    Webull Advisors lists an annualized advisory fee of 0.20% on diversified strategies, with fees from 0.15% to 0.30% depending on the portfolio.

Bars show only when every app here lists a yearly price, so these prices sit side by side without them. Prices are list prices from each app's own page, before tax and any offer. Investing fees appear as each company states them. A yearly advisory fee is a percent of your balance, not a monthly price, so it never gets a bar or a price tag.

Alternatives to SoFi, closest category first

Each card puts the app's facts next to SoFi's, with the date we checked each one. The order follows how close the category is, not how good the app is.

How SoFi compares at a glance

  • SoFi holds a 4.7 App Store rating. Of the apps below, Chime (4.8), MoneyLion (4.8), Betterment (4.8), Bloom (4.8), Charles Schwab (4.8), Fidelity (4.8) and Wealthfront (4.8) rate higher and Ally Invest (4.6), Robinhood (4.3) and Vanguard (4.6) rate lower.
  • For help, SoFi lists these channels: chat and phone. Of the apps below, Ally, MoneyLion, Acorns, Bloom, M1, Public, Stash, Wealthfront and Webull list email support.
  • SoFi offers joint and individual views, which Acorns and Stash say on their own pages they don't.
  • Ally, Acorns, Ally Invest, Bloom, Charles Schwab, E*TRADE, Fidelity, M1, Robinhood, Stash, Vanguard, Wealthfront and Webull offer options for kids, which SoFi's own pages say it doesn't.

Other savings accounts

  • Ally Bank Savings logo

    Ally Bank Savings

    Savings account

    Same category

    Ally Bank's online savings account pays a variable rate and includes savings buckets, round ups and recurring transfers.

    Price and fees
    AllyAlly charges no monthly maintenance fees on its savings account.As of Oct 29, 2026. Source: ally.com/bank/online-savings-account
    SoFiSoFi says its Checking and Savings has no monthly, minimum or maintenance fees.As of Oct 29, 2026. Source: sofi.com/banking/high-yield-savings-account
    APY or rate
    AllyAlly lists 3.2% APY, correct as of 10/28/26. The rate is variable.Ally says the same APY applies across all balance tiers, with no minimum balance requirement.As of Oct 29, 2026. Source: ally.com/bank/online-savings-account
    SoFiSoFi lists 3.30% APY with eligible direct deposit or $5,000 in qualifying deposits, and 0.80% APY without them, in rates effective Oct 20, 2026. The rate is variable.You need eligible direct deposit, or $5,000 in qualifying deposits every 31 days, to earn the 3.30% APY.As of Oct 29, 2026. Source: sofi.com/legal/banking-rate-sheet
    Platforms
    AllyAlly Bank Savings lists Web, iOS and Android.As of Oct 29, 2026. Source: ally.com/bank/online-banking
    SoFiSoFi Checking and Savings lists iOS and Android.As of Oct 29, 2026. Source: sofi.com/app-download
    App store rating
    AllyAlly Bank Savings has 4.7 out of 5 on the App Store from 114,326 ratings.As of Oct 29, 2026. Source: App Store listing
    SoFiSoFi Checking and Savings has 4.7 out of 5 on the App Store from 385,422 ratings.As of Oct 29, 2026. Source: App Store listing

    How Ally differs from SoFi

    Unlike SoFi, Ally offers options for kids. Ally lists email support, which isn't on SoFi's support list. Like SoFi, Ally is a savings account. Ally runs on iPhone and Android, as SoFi does. Like SoFi, Ally offers goals and data export. Ally lists phone and chat support, which SoFi provides too. Like SoFi, Ally is rated 4.7 on the App Store.

    Who it fits

    • Ally lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
    • Ally lists an APY on deposits. That fits a Saver, whose first fix is putting saved money to work.

Banking apps

  • Chime logo

    Chime

    Banking app

    Nearby category

    Chime is a financial technology company, not a bank, that offers checking and savings accounts through partner banks.

    Price and fees
    ChimeChime says its savings account has no fees, and you need an active Chime Checking Account to open one.As of Oct 29, 2026. Source: help.chime.com/what-is-the-chime-savings-account-f189355c
    SoFiSoFi says its Checking and Savings has no monthly, minimum or maintenance fees.As of Oct 29, 2026. Source: sofi.com/banking/high-yield-savings-account
    APY or rate
    ChimeChime lists 1.00% APY for standard members, 3.00% APY for Chime Plus and 4.00% APY for Chime Prime, in rates effective Oct 6, 2026. The rate is variable.Chime says there is no minimum balance, but you need $0.01 in savings to earn interest. The higher rates depend on Chime Plus or Chime Prime status, which ties to qualifying direct deposits.As of Nov 12, 2026. Source: help.chime.com/what-is-annual-percentage-yield-apy-dfafd381
    SoFiSoFi lists 3.30% APY with eligible direct deposit or $5,000 in qualifying deposits, and 0.80% APY without them, in rates effective Oct 20, 2026. The rate is variable.You need eligible direct deposit, or $5,000 in qualifying deposits every 31 days, to earn the 3.30% APY.As of Oct 29, 2026. Source: sofi.com/legal/banking-rate-sheet
    Platforms
    ChimeChime lists Web, iOS and Android.As of Nov 12, 2026. Source: help.chime.com/do-i-get-account-statements-from-chime-ec347b04
    SoFiSoFi Checking and Savings lists iOS and Android.As of Oct 29, 2026. Source: sofi.com/app-download
    App store rating
    ChimeChime has 4.8 out of 5 on the App Store from 1,655,300 ratings.As of Nov 12, 2026. Source: App Store listing
    SoFiSoFi Checking and Savings has 4.7 out of 5 on the App Store from 385,422 ratings.As of Oct 29, 2026. Source: App Store listing

    How Chime differs from SoFi

    Unlike SoFi, which is a savings account, Chime is a banking app. Chime rates 4.8 from 1,655,300 ratings on the App Store, where SoFi sits at 4.7 from 385,422 ratings. Chime runs on iPhone and Android, as SoFi does. On goals, AI features and joint and individual views, Chime matches SoFi. SoFi rules out options for kids on its own pages, and so does Chime. Like SoFi, Chime allows up to 2 people on one plan. Chime lists phone and chat support, which SoFi provides too.

    Who it fits

    • Chime lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
    • Chime lists an APY on deposits. That fits a Saver, whose first fix is putting saved money to work.
  • MoneyLion

    Banking app

    Nearby category

    MoneyLion is a financial technology company, not a bank, with a MoneyLion Spend account, MoneyLion Save, Instacash cash advances, investing and a marketplace of loan and card offers.

    Price and fees
    MoneyLionThe optional MoneyLion One membership costs $9.99 a month, or $0 a month when you direct deposit $500 or more each month.As of Oct 29, 2026. Source: moneylion.com/one
    SoFiSoFi says its Checking and Savings has no monthly, minimum or maintenance fees.As of Oct 29, 2026. Source: sofi.com/banking/high-yield-savings-account
    APY or rate
    MoneyLionMoneyLion lists 3.88% APY on MoneyLion Save for MoneyLion One members, accurate as of 10/01/2026. The rate is variable.No minimum deposit is required to open the account, and no minimum balance is required to earn APY. The 3.88% rate is tied to MoneyLion One membership.As of Oct 29, 2026. Source: moneylion.com/one
    SoFiSoFi lists 3.30% APY with eligible direct deposit or $5,000 in qualifying deposits, and 0.80% APY without them, in rates effective Oct 20, 2026. The rate is variable.You need eligible direct deposit, or $5,000 in qualifying deposits every 31 days, to earn the 3.30% APY.As of Oct 29, 2026. Source: sofi.com/legal/banking-rate-sheet
    Platforms
    MoneyLionMoneyLion lists Web, iOS and Android.As of Oct 29, 2026. Source: moneylion.com
    SoFiSoFi Checking and Savings lists iOS and Android.As of Oct 29, 2026. Source: sofi.com/app-download
    App store rating
    MoneyLionMoneyLion has 4.8 out of 5 on the App Store from 330,603 ratings.As of Oct 29, 2026. Source: App Store listing
    SoFiSoFi Checking and Savings has 4.7 out of 5 on the App Store from 385,422 ratings.As of Oct 29, 2026. Source: App Store listing

    How MoneyLion differs from SoFi

    MoneyLion is a banking app, not a savings account like SoFi. MoneyLion lists email support, which isn't on SoFi's support list. MoneyLion's App Store rating is 4.8 from 330,603 ratings, against 4.7 from 385,422 ratings for SoFi. Like SoFi, MoneyLion links your bank accounts. MoneyLion runs on iPhone and Android, as SoFi does. Like SoFi, MoneyLion offers goals. SoFi rules out options for kids on its own pages, and so does MoneyLion. MoneyLion lists phone and chat support, which SoFi provides too.

    Who it fits

    • MoneyLion lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
    • MoneyLion lists an APY on deposits. That fits a Saver, whose first fix is putting saved money to work.
    • MoneyLion lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.

    Investing apps

    • Acorns logo

      Acorns

      Investing app

      Nearby category

      Acorns is an automated investing app that bundles investing, retirement and banking tools into monthly subscription plans.

      Price and fees
      AcornsAcorns has three monthly plans: Bronze at $4 a month, Silver at $8 a month, and Gold at $12 a month.As of Oct 29, 2026. Source: acorns.com/pricing
      SoFiSoFi says its Checking and Savings has no monthly, minimum or maintenance fees.As of Oct 29, 2026. Source: sofi.com/banking/high-yield-savings-account
      APY or rate
      AcornsAcorns lists a 3.59% APY on Emergency Savings and a 2.33% APY on Mighty Oak Checking, stated as of Sep 22, 2026. The rate is variable.Acorns says there is no minimum opening deposit or minimum balance for these accounts.As of Oct 29, 2026. Source: acorns.com/pricing
      SoFiSoFi lists 3.30% APY with eligible direct deposit or $5,000 in qualifying deposits, and 0.80% APY without them, in rates effective Oct 20, 2026. The rate is variable.You need eligible direct deposit, or $5,000 in qualifying deposits every 31 days, to earn the 3.30% APY.As of Oct 29, 2026. Source: sofi.com/legal/banking-rate-sheet
      Platforms
      AcornsAcorns lists Mobile app and Web app.As of Oct 29, 2026. Source: sqy7rm.media.zestyio.com/Acorns-Securities-Acorns-Advisers-Form-CRS--August-2026-.pdf
      SoFiSoFi Checking and Savings lists iOS and Android.As of Oct 29, 2026. Source: sofi.com/app-download
      App store rating
      AcornsAcorns has 4.7 out of 5 on the App Store from 960,195 ratings.As of Oct 29, 2026. Source: App Store listing
      SoFiSoFi Checking and Savings has 4.7 out of 5 on the App Store from 385,422 ratings.As of Oct 29, 2026. Source: App Store listing

      How Acorns differs from SoFi

      Acorns is an investing app, not a savings account like SoFi. Unlike SoFi, Acorns offers options for kids. SoFi includes joint and individual views, which Acorns says it doesn't offer. Acorns lists email support, which isn't on SoFi's support list. Acorns lists phone and chat support, which SoFi provides too. Like SoFi, Acorns is rated 4.7 on the App Store.

      Who it fits

      • Acorns lists an APY on deposits. That fits a Saver, whose first fix is putting saved money to work.
    • Ally Invest logo

      Ally Invest

      Investing app

      Nearby category

      Ally Invest is Ally's investing service in the Ally app, with self-directed trading and Robo Portfolios. Ally's savings account has its own entry.

      Platforms
      Ally InvestAlly Invest lists iOS and Android.As of Nov 3, 2026. Source: ally.com/bank/online-banking
      SoFiSoFi Checking and Savings lists iOS and Android.As of Oct 29, 2026. Source: sofi.com/app-download
      App store rating
      Ally InvestAlly Invest has 4.6 out of 5 on the App Store from 114,502 ratings.As of Nov 3, 2026. Source: App Store listing
      SoFiSoFi Checking and Savings has 4.7 out of 5 on the App Store from 385,422 ratings.As of Oct 29, 2026. Source: App Store listing

      How Ally Invest differs from SoFi

      Unlike SoFi, which is a savings account, Ally Invest is an investing app. Ally Invest has options for kids, where SoFi says no. Ally Invest rates 4.6 from 114,502 ratings on the App Store, where SoFi sits at 4.7 from 385,422 ratings. Like SoFi, Ally Invest runs on iPhone and Android. Ally Invest lists phone and chat support, which SoFi provides too.

      • Betterment

        Investing app

        Nearby category

        Betterment is an automated investing app with managed portfolios, IRAs and other retirement accounts, and commission-free stock and ETF trading.

        Platforms
        BettermentBetterment lists Web, iOS and Android.As of Nov 3, 2026. Source: betterment.com/help/tag/mobile-app
        SoFiSoFi Checking and Savings lists iOS and Android.As of Oct 29, 2026. Source: sofi.com/app-download
        App store rating
        BettermentBetterment has 4.8 out of 5 on the App Store from 66,359 ratings.As of Nov 3, 2026. Source: App Store listing
        SoFiSoFi Checking and Savings has 4.7 out of 5 on the App Store from 385,422 ratings.As of Oct 29, 2026. Source: App Store listing

        How Betterment differs from SoFi

        Betterment is an investing app, a different kind of app from SoFi. Betterment doesn't list chat support, which SoFi provides. Betterment's App Store rating is 4.8 from 66,359 ratings, against 4.7 from 385,422 ratings for SoFi. Betterment runs on iPhone and Android, as SoFi does. Like SoFi, Betterment offers data export, joint and individual views and shared goals. SoFi rules out options for kids on its own pages, and so does Betterment. Like SoFi, Betterment allows up to 2 people on one plan. Betterment lists phone support, which SoFi provides too.

        • Bloom logo

          Bloom

          Investing app

          Nearby category

          Bloom is a subscription app for learning to invest, with lessons, games and an investing account for adults and teens.

          Price and fees
          BloomBloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year.As of Nov 3, 2026. Source: bloomapp.com/faq
          SoFiSoFi says its Checking and Savings has no monthly, minimum or maintenance fees.As of Oct 29, 2026. Source: sofi.com/banking/high-yield-savings-account
          Platforms
          BloomBloom lists iOS and Android.As of Nov 3, 2026. Source: bloomapp.com
          SoFiSoFi Checking and Savings lists iOS and Android.As of Oct 29, 2026. Source: sofi.com/app-download
          App store rating
          BloomBloom has 4.8 out of 5 on the App Store from 46,609 ratings.As of Nov 3, 2026. Source: App Store listing
          SoFiSoFi Checking and Savings has 4.7 out of 5 on the App Store from 385,422 ratings.As of Oct 29, 2026. Source: App Store listing

          How Bloom differs from SoFi

          Bloom is an investing app, not a savings account like SoFi. Bloom offers options for kids, which SoFi's own pages rule out. Bloom lists email support, and SoFi's support list doesn't. SoFi provides phone and chat support, which Bloom doesn't list. On the App Store, Bloom is rated 4.8 from 46,609 ratings, next to SoFi's 4.7 from 385,422 ratings. Bloom runs on the same platforms SoFi covers: iPhone and Android. Bloom offers AI features, which SoFi includes too.

        • Charles Schwab logo

          Charles Schwab

          Investing app

          Nearby category

          Charles Schwab is a brokerage with the Schwab Mobile app, retirement and custodial accounts, and a robo-advisor called Schwab Intelligent Portfolios.

          Platforms
          Charles SchwabCharles Schwab lists iOS and Android.As of Nov 3, 2026. Source: schwab.com/mobile
          SoFiSoFi Checking and Savings lists iOS and Android.As of Oct 29, 2026. Source: sofi.com/app-download
          App store rating
          Charles SchwabCharles Schwab has 4.8 out of 5 on the App Store from 1,211,167 ratings.As of Nov 3, 2026. Source: App Store listing
          SoFiSoFi Checking and Savings has 4.7 out of 5 on the App Store from 385,422 ratings.As of Oct 29, 2026. Source: App Store listing

          How Charles Schwab differs from SoFi

          Charles Schwab is an investing app, not a savings account like SoFi. Charles Schwab has options for kids, where SoFi says no. On the App Store, Charles Schwab is rated 4.8 from 1,211,167 ratings, next to SoFi's 4.7 from 385,422 ratings. Like SoFi, Charles Schwab runs on iPhone and Android. Charles Schwab lists phone and chat support, which SoFi provides too.

          • E*TRADE logo

            E*TRADE

            Investing app

            Nearby category

            E*TRADE, from Morgan Stanley, is a brokerage with an investing app, retirement and education accounts, and managed Core Portfolios.

            Platforms
            E*TRADEE*TRADE lists Power E*TRADE Pro, Power E*TRADE Web, Power E*TRADE App, E*TRADE App and E*TRADE Web.As of Nov 3, 2026. Source: us.etrade.com/platforms
            SoFiSoFi Checking and Savings lists iOS and Android.As of Oct 29, 2026. Source: sofi.com/app-download
            App store rating
            E*TRADEE*TRADE has 4.7 out of 5 on the App Store from 380,746 ratings.As of Nov 3, 2026. Source: App Store listing
            SoFiSoFi Checking and Savings has 4.7 out of 5 on the App Store from 385,422 ratings.As of Oct 29, 2026. Source: App Store listing

            How E*TRADE differs from SoFi

            Coming from SoFi, note that E*TRADE is an investing app. Unlike SoFi, E*TRADE offers options for kids. SoFi provides chat support, which E*TRADE doesn't list. On data export, E*TRADE matches SoFi. Like SoFi, E*TRADE lists phone support. E*TRADE is rated 4.7 from 380,746 ratings on the App Store, the same 4.7 rating SoFi has.

            • Fidelity Investments logo

              Fidelity Investments

              Investing app

              Nearby category

              Fidelity is a brokerage with an investing app, retirement and education accounts, and a robo advisor called Fidelity Go.

              Platforms
              FidelityFidelity Investments lists iOS and Android.As of Nov 3, 2026. Source: fidelity.com/mobile/overview
              SoFiSoFi Checking and Savings lists iOS and Android.As of Oct 29, 2026. Source: sofi.com/app-download
              App store rating
              FidelityFidelity Investments has 4.8 out of 5 on the App Store from 3,378,991 ratings.As of Nov 3, 2026. Source: App Store listing
              SoFiSoFi Checking and Savings has 4.7 out of 5 on the App Store from 385,422 ratings.As of Oct 29, 2026. Source: App Store listing

              How Fidelity differs from SoFi

              Coming from SoFi, note that Fidelity is an investing app. Unlike SoFi, Fidelity offers options for kids. Fidelity rates 4.8 from 3,378,991 ratings on the App Store, where SoFi sits at 4.7 from 385,422 ratings. Like SoFi, Fidelity runs on iPhone and Android. On data export, Fidelity matches SoFi. Fidelity lists phone and chat support, which SoFi provides too.

              • M1 logo

                M1

                Investing app

                Nearby category

                M1 is an investing app where your portfolio is a Pie of stocks and ETFs you choose, with automation and retirement and custodial accounts.

                Platforms
                M1M1 lists Web, iOS and Android.As of Nov 3, 2026. Source: help.m1.com/en/articles/9332048-your-first-deposit-at-m1
                SoFiSoFi Checking and Savings lists iOS and Android.As of Oct 29, 2026. Source: sofi.com/app-download
                App store rating
                M1M1 has 4.7 out of 5 on the App Store from 75,319 ratings.As of Nov 3, 2026. Source: App Store listing
                SoFiSoFi Checking and Savings has 4.7 out of 5 on the App Store from 385,422 ratings.As of Oct 29, 2026. Source: App Store listing

                How M1 differs from SoFi

                SoFi and M1 sit in different categories: M1 is an investing app. M1 has options for kids, where SoFi says no. M1 lists email support, which isn't on SoFi's support list. M1 runs on iPhone and Android, as SoFi does. M1 offers data export, which SoFi includes too. Like SoFi, M1 allows up to 2 people on one plan. M1 lists phone and chat support, which SoFi provides too. Like SoFi, M1 is rated 4.7 on the App Store.

                • Public logo

                  Public

                  Investing app

                  Nearby category

                  Public is an investing app for stocks, ETFs, options, bonds and crypto, with IRAs and managed Generated Assets portfolios.

                  Platforms
                  PublicPublic lists Mobile app and Web.As of Nov 3, 2026. Source: help.public.com/en/articles/5724380-explore-the-new-investing-experience-on-the-web
                  SoFiSoFi Checking and Savings lists iOS and Android.As of Oct 29, 2026. Source: sofi.com/app-download
                  App store rating
                  PublicPublic has 4.7 out of 5 on the App Store from 85,695 ratings.As of Nov 3, 2026. Source: App Store listing
                  SoFiSoFi Checking and Savings has 4.7 out of 5 on the App Store from 385,422 ratings.As of Oct 29, 2026. Source: App Store listing

                  How Public differs from SoFi

                  Unlike SoFi, which is a savings account, Public is an investing app. Public lists email support, and SoFi's support list doesn't. SoFi provides phone support, which Public doesn't list. Like SoFi, Public says on its own pages that it doesn't offer options for kids. Like SoFi, Public lists chat support. Public is rated 4.7 from 85,695 ratings on the App Store, the same 4.7 rating SoFi has.

                  • Robinhood

                    Investing app

                    Nearby category

                    Robinhood is a commission-free trading app with retirement and custodial accounts and a managed portfolio service called Robinhood Strategies.

                    Platforms
                    RobinhoodRobinhood lists Robinhood app and Robinhood Legend.As of Nov 3, 2026. Source: robinhood.com/us/en
                    SoFiSoFi Checking and Savings lists iOS and Android.As of Oct 29, 2026. Source: sofi.com/app-download
                    App store rating
                    RobinhoodRobinhood has 4.3 out of 5 on the App Store from 4,901,225 ratings.As of Nov 3, 2026. Source: App Store listing
                    SoFiSoFi Checking and Savings has 4.7 out of 5 on the App Store from 385,422 ratings.As of Oct 29, 2026. Source: App Store listing

                    How Robinhood differs from SoFi

                    SoFi and Robinhood sit in different categories: Robinhood is an investing app. Unlike SoFi, Robinhood offers options for kids. Robinhood's App Store rating is 4.3 from 4,901,225 ratings, against 4.7 from 385,422 ratings for SoFi. On data export and joint and individual views, Robinhood matches SoFi. Like SoFi, Robinhood allows up to 2 people on one plan. Robinhood lists phone and chat support, which SoFi provides too.

                    • SoFi Invest logo

                      SoFi Invest

                      Investing app

                      Nearby category

                      SoFi Invest is SoFi's investing account, with self-directed trading, IRAs and robo-advisor accounts in the SoFi app. SoFi's savings account has its own entry.

                      Platforms
                      SoFi InvestSoFi Invest lists App and Web.As of Nov 3, 2026. Source: sofi.com/wealth/assets/documents/sofi-invest-fee-schedule.pdf
                      SoFiSoFi Checking and Savings lists iOS and Android.As of Oct 29, 2026. Source: sofi.com/app-download
                      App store rating
                      SoFi InvestSoFi Invest has 4.7 out of 5 on the App Store from 385,411 ratings.As of Nov 3, 2026. Source: App Store listing
                      SoFiSoFi Checking and Savings has 4.7 out of 5 on the App Store from 385,422 ratings.As of Oct 29, 2026. Source: App Store listing

                      How SoFi Invest differs from SoFi

                      SoFi Invest is an investing app, not a savings account like SoFi. Neither SoFi Invest nor SoFi offers options for kids, going by each app's own pages. SoFi Invest allows up to 2 people on one plan, matching SoFi's cap. Like SoFi, SoFi Invest lists phone and chat support. SoFi Invest is rated 4.7 from 385,411 ratings on the App Store, the same 4.7 rating SoFi has.

                      • Stash logo

                        Stash

                        Investing app

                        Nearby category

                        Stash is a subscription investing app with brokerage, retirement and custodial accounts, fractional shares and managed Smart Portfolios.

                        Price and fees
                        StashThe Stash Plan costs $12 a month, or $108 billed annually.As of Nov 3, 2026. Source: stash.com/pricing
                        SoFiSoFi says its Checking and Savings has no monthly, minimum or maintenance fees.As of Oct 29, 2026. Source: sofi.com/banking/high-yield-savings-account
                        Platforms
                        StashStash lists App and Web.As of Nov 3, 2026. Source: stash.com/invest
                        SoFiSoFi Checking and Savings lists iOS and Android.As of Oct 29, 2026. Source: sofi.com/app-download
                        App store rating
                        StashStash has 4.7 out of 5 on the App Store from 311,450 ratings.As of Nov 3, 2026. Source: App Store listing
                        SoFiSoFi Checking and Savings has 4.7 out of 5 on the App Store from 385,422 ratings.As of Oct 29, 2026. Source: App Store listing

                        How Stash differs from SoFi

                        Stash is an investing app, a different kind of app from SoFi. Unlike SoFi, Stash offers options for kids. SoFi includes joint and individual views, which Stash says it doesn't offer. Stash lists email support, and SoFi's support list doesn't. SoFi provides chat support, which Stash doesn't list. Like SoFi, Stash lists phone support. Stash is rated 4.7 from 311,450 ratings on the App Store, the same 4.7 rating SoFi has.

                        • Vanguard logo

                          Vanguard

                          Investing app

                          Nearby category

                          Vanguard is a fund company and brokerage with an investing app, retirement and custodial accounts, and a robo-advisor called Vanguard Digital Advisor.

                          Platforms
                          VanguardVanguard lists iOS and Android.As of Nov 3, 2026. Source: investor.vanguard.com/client-benefits/mobile-apps
                          SoFiSoFi Checking and Savings lists iOS and Android.As of Oct 29, 2026. Source: sofi.com/app-download
                          App store rating
                          VanguardVanguard has 4.6 out of 5 on the App Store from 177,567 ratings.As of Nov 3, 2026. Source: App Store listing
                          SoFiSoFi Checking and Savings has 4.7 out of 5 on the App Store from 385,422 ratings.As of Oct 29, 2026. Source: App Store listing

                          How Vanguard differs from SoFi

                          Vanguard is an investing app, not a savings account like SoFi. Unlike SoFi, Vanguard offers options for kids. Vanguard doesn't list chat support, which SoFi provides. Vanguard rates 4.6 from 177,567 ratings on the App Store, where SoFi sits at 4.7 from 385,422 ratings. Like SoFi, Vanguard runs on iPhone and Android. Like SoFi, Vanguard offers data export. Vanguard lists phone support, which SoFi provides too.

                          • Wealthfront

                            Investing app

                            Nearby category

                            Wealthfront is an automated investing app with The Wealthfront Portfolio, a brokerage account for stocks and ETFs, and retirement and 529 accounts.

                            Platforms
                            WealthfrontWealthfront lists Web, iOS and Android.As of Nov 3, 2026. Source: support.wealthfront.com/hc/en-us/articles/360043848572-Open-a-Cash-Account
                            SoFiSoFi Checking and Savings lists iOS and Android.As of Oct 29, 2026. Source: sofi.com/app-download
                            App store rating
                            WealthfrontWealthfront has 4.8 out of 5 on the App Store from 17,511 ratings.As of Nov 3, 2026. Source: App Store listing
                            SoFiSoFi Checking and Savings has 4.7 out of 5 on the App Store from 385,422 ratings.As of Oct 29, 2026. Source: App Store listing

                            How Wealthfront differs from SoFi

                            Coming from SoFi, note that Wealthfront is an investing app. Wealthfront offers options for kids, which SoFi's own pages rule out. Wealthfront lists email support, which isn't on SoFi's support list. Wealthfront doesn't list chat support, which SoFi provides. Wealthfront rates 4.8 from 17,511 ratings on the App Store, where SoFi sits at 4.7 from 385,422 ratings. Wealthfront runs on iPhone and Android, as SoFi does. On data export and joint and individual views, Wealthfront matches SoFi. Like SoFi, Wealthfront allows up to 2 people on one plan. Wealthfront lists phone support, which SoFi provides too.

                            • Webull logo

                              Webull

                              Investing app

                              Nearby category
                              Webull Cash Management screen
                              From Webull's website,

                              Webull is a trading app for stocks, ETFs and options, with IRAs, recurring investing and a robo service called Webull Advisors.

                              Platforms
                              WebullWebull lists Mobile app, Desktop and Web.As of Nov 3, 2026. Source: webull.com/trading-investing/webull-advisors
                              SoFiSoFi Checking and Savings lists iOS and Android.As of Oct 29, 2026. Source: sofi.com/app-download
                              App store rating
                              WebullWebull has 4.7 out of 5 on the App Store from 343,072 ratings.As of Nov 3, 2026. Source: App Store listing
                              SoFiSoFi Checking and Savings has 4.7 out of 5 on the App Store from 385,422 ratings.As of Oct 29, 2026. Source: App Store listing

                              How Webull differs from SoFi

                              Webull is an investing app, not a savings account like SoFi. Unlike SoFi, Webull offers options for kids. Webull lists email support, and SoFi's support list doesn't. SoFi provides chat support, which Webull doesn't list. On data export and joint and individual views, Webull matches SoFi. Webull allows up to 2 people on one plan, matching SoFi's cap. Like SoFi, Webull lists phone support. Webull is rated 4.7 from 343,072 ratings on the App Store, the same 4.7 rating SoFi has.

                              Who SoFi and its alternatives are for

                              Pick the tab that sounds like you. The questions come from app help centers, FAQ pages and user forums, and every answer comes from the app's own pages, with the date we checked it.

                              Just me

                              Budgeting on your own? These are the basics people ask about first.

                              • Is there support from the app's makers if I need help?

                                SoFi: Yes. Chat and phone.

                                In their words: “You have options, including chatting with us.”

                                As of . Source: sofi.com

                                Ally: Yes. Phone, chat and email.

                                In their words: “Call, chat or email us any time.”

                                As of . Source: ally.com

                                Chime: Yes. Chat and phone.

                                In their words: “Chat with us in the Chime app”

                                As of . Source: help.chime.com

                                MoneyLion: Yes. In-app chat, phone (24/7) and email.

                                In their words: “Here's how to contact MoneyLion Customer Care when you're in a pinch”

                                As of . Source: help.moneylion.com

                                Acorns: Yes. Chat (Acorns app or Help Center), email and phone.

                                In their words: “Chat: Chat with us anytime through the Acorns app or from the Acorns Help Center (click "Need Help?" in the bottom right corner).”

                                As of . Source: support.acorns.com

                                Ally Invest: Yes. Chat (after you log in), secure message and phone.

                                In their words: “Log in for chat support or send a secure message.”

                                As of . Source: ally.com

                                Betterment: Yes. Phone.

                                In their words: “Call us directly at (718) 400-6898 .”

                                As of . Source: betterment.com

                                Bloom: Yes. Email.

                                In their words: “Please contact support@joinbloom.co for direct refunds if you do not recognize the service, were unable to sign up or have a special inquiry.”

                                As of . Source: bloomapp.com

                                Charles Schwab: Yes. Phone, chat and branches.

                                In their words: “Reach out to Charles Schwab customer service by phone, chat, or visit your local branch.”

                                As of . Source: schwab.com

                                E*TRADE: Yes. Phone.

                                In their words: “Speak with a Customer Service Representative about your brokerage or bank account.”

                                As of . Source: us.etrade.com

                                Fidelity: Yes. Phone (24/7), chat (Fidelity Assistant 24/7, live chat with an associate) and Investor Centers.

                                In their words: “For any customer service questions, call us 24/7 at: 800-343-3548”

                                As of . Source: fidelity.com

                                M1: Yes. Chat, email and phone.

                                In their words: “Alternatively, you can send us an email or for urgent requests give us a call at 312-600-2883.”

                                As of . Source: help.m1.com

                                Public: Yes. Email and in-app chat.

                                In their words: “You can always reach us over email at support@public.com .”

                                As of . Source: public.com

                                Robinhood: Yes. Chat (24/7) and phone (call back).

                                In their words: “When you contact us, you can request a call back to discuss your issue, and we'll call you as soon as an agent is available, typically in less than 30 minutes.”

                                As of . Source: robinhood.com

                                SoFi Invest: Yes. Chat and phone.

                                In their words: “You have options, including chatting with us.”

                                As of . Source: sofi.com

                                Stash: Yes. Phone and email.

                                In their words: “If you cannot log in, call Stash Support at 1-800-205-5164, Monday through Friday, 8 a.m. to 8 p.m. ET, or email”

                                As of . Source: stash.com

                                Vanguard: Yes. Phone.

                                In their words: “Our Client Services team is available Monday through Friday, 8 a.m. to 8 p.m., Eastern time”

                                As of . Source: corporate.vanguard.com

                                Wealthfront: Yes. Phone and email.

                                In their words: “Wealthfront’s team of client service specialists are available via phone or email in the event you can’t find your answer in our Help Center”

                                As of . Source: support.wealthfront.com

                                Webull: Yes. Email and phone.

                                In their words: “support@webull.com +1 (888) 828-0618”

                                As of . Source: webull.com

                              Family

                              Bringing in more of the household? Here's what each app says about families and kids. See apps with custodial accounts for kids.

                              • Does it have accounts or features for kids or teens?

                                SoFi: No.

                                In their words: “You must be 18 years or older to open any SoFi Bank account with us whether joint or individual.”

                                As of . Source: support.sofi.com

                                Ally: Yes. It has accounts or features for kids or teens.

                                In their words: “Once a minor reaches the age of majority in their state, control of the funds must be transferred to the minor.”

                                As of . Source: ally.com

                                Chime: No.

                                In their words: “You must be at least 18 years old.”

                                As of . Source: help.chime.com

                                MoneyLion: No.

                                In their words: “Be at least 18 years old (or the age of majority in your state or jurisdiction of residence).”

                                As of . Source: moneylion.com

                                Acorns: Yes. It has accounts or features for kids or teens.

                                In their words: “Smart money app & up to 4 debit cards”

                                As of . Source: acorns.com

                                Ally Invest: Yes. It has accounts or features for kids or teens.

                                In their words: “As the owner of a self-directed account, the choice is yours. We offer the following account types:”

                                As of . Source: ally.com

                                Betterment: No.

                                In their words: “Betterment only supports accounts for individuals the ages of 18 or older.”

                                As of . Source: betterment.com

                                Bloom: Yes. It has accounts or features for kids or teens.

                                In their words: “Bloom charges a subscription fee for access to an investing account (including UTMA/UGMA custodial brokerage accounts for teens 13-17), 200+ interactive financial lessons, and stock rewards for learning.”

                                As of . Source: bloomapp.com

                                Charles Schwab: Yes. It has accounts or features for kids or teens.

                                In their words: “A Schwab One Custodial Account lets you invest in your child's future while teaching them how to build it.”

                                As of . Source: schwab.com

                                E*TRADE: Yes. It has accounts or features for kids or teens.

                                In their words: “Save and invest on a child’s behalf with a custodial account, while maintaining full control until they reach adulthood.”

                                As of . Source: us.etrade.com

                                Fidelity: Yes. It has accounts or features for kids or teens.

                                In their words: “The only brokerage account teens ages 13–17 can own independently”

                                As of . Source: fidelity.com

                                M1: Yes. It has accounts or features for kids or teens.

                                In their words: “Opening an M1 Custodial Account (UTMA/UGMA) allows you to invest and manage assets on behalf of a minor”

                                As of . Source: help.m1.com

                                Public: No.

                                In their words: “Public does not offer custodial accounts at this time.”

                                As of . Source: help.public.com

                                Robinhood: Yes. It has accounts or features for kids or teens.

                                In their words: “Custodial accounts let you invest on behalf of a minor, directly from your Robinhood app.”

                                As of . Source: robinhood.com

                                SoFi Invest: No.

                                In their words: “At this time we do not offer UTMA (Uniform Transfers to Minors Act) or UGMA (Uniform Gifts to Minors Act) accounts.”

                                As of . Source: support.sofi.com

                                Stash: Yes. It has accounts or features for kids or teens.

                                In their words: “With a custodial account (aka Kids Portfolio at Stash), you can buy stocks and ETFs on behalf of the children in your life”

                                As of . Source: stash.com

                                Vanguard: Yes. It has accounts or features for kids or teens.

                                In their words: “Any adult resident of the U.S. can open or contribute to an UGMA or UTMA.”

                                As of . Source: investor.vanguard.com

                                Wealthfront: Yes. It has accounts or features for kids or teens.

                                In their words: “we offer an ability to open a taxable Wealthfront Portfolio for a minor!”

                                As of . Source: support.wealthfront.com

                                Webull: Yes. It has accounts or features for kids or teens.

                                In their words: “All custodial accounts will be opened as UTMA accounts.”

                                As of . Source: webull.com

                              A question shows only when every app here has a current official source that answers it. We only say no when the app's own page does.

                              What real users say

                              These are other people's opinions, not Priceless Tay's. We quote public reviews and posts word for word, link each one and show its date, but we haven't checked the claims in them. A post counts toward a theme when it uses one of that theme's keywords, so a mention can be praise or a complaint.

                              What SoFi users say

                              Based on 500 App Store reviews, 1 Reddit post and 1 Hacker News post dated Apr 2026 to Oct 2026, read Oct 2026. We collected the Reddit data with Apify, a scraping service, on Oct 24, 2026.

                              • Of the 502 reviews and posts we read, 85 mention deposits, transfers or getting paid.
                              • Of the 502 reviews and posts we read, 74 mention how easy or hard the app is to use.
                              • Of the 502 reviews and posts we read, 70 mention customer service or support.

                              Positive

                              “Most user friendly banking app there is. Been a member for years. Every year they add something new”
                              App Store reviewer on the App Store, . See the App Store reviews. Apple doesn't give single reviews their own link, so this opens the app's reviews.

                              Critical

                              “If you think an online bank is better than a brick and mortar just wait until you need customer service...”
                              App Store reviewer on the App Store, . See the App Store reviews. Apple doesn't give single reviews their own link, so this opens the app's reviews.

                              Positive

                              “my favorite is sofi. i personally use them as a bank...”
                              u/theyhis in r/budgetingforbeginners on Reddit, . Read it on Reddit.
                              Where these come from
                              • SoFi reviews on the App Store, read Oct 24, 2026. The public feed returns the 500 most recent US reviews. We kept every one dated inside the window.
                              • Hacker News search for SoFi, read Oct 24, 2026. Public search of comments and posts. 8 named the app; we kept 1 where the writer shares their own use of it.
                              • Reddit search for SoFi, collected Oct 24, 2026. Collected with Apify (harshmaur/reddit-scraper) on Oct 24 2026: a keyword search for "SoFi checking savings", posts and comments from after Oct 24 2025. It returned 81, most of them about something else. We kept 0 where the writer shares their own use of the app or a clear opinion of it, plus 1 from another app's search that discusses this app. We left out moderators, bots, company accounts, referral posts and people promoting their own apps.
                              • YouTube search for SoFi, collected Oct 24, 2026. Collected with Apify (streamers/youtube-scraper) on Oct 24 2026: a search for "SoFi checking and savings review" from the past year, up to 8 videos. It returned 8. We kept 0 and left out the app's own channel, sponsored videos, videos with affiliate or referral links and videos about a different product. We count themes from each video's title, description and captions, but we don't quote videos, because the captions we have carry no timestamps.
                              • u/theyhis in r/budgetingforbeginners on Reddit, Oct 21, 2026.
                              • imzadi on Hacker News, Jul 28, 2026.

                              FAQ

                              What are the closest alternatives to SoFi?

                              The closest alternatives to SoFi are Ally, Chime and MoneyLion, because Ally is also a savings account and Chime and MoneyLion are banking apps. This list is ordered by how close each app's category is to SoFi's, not by how good it is.

                              How much does SoFi cost?

                              SoFi says its Checking and Savings has no monthly, minimum or maintenance fees. We checked this on Oct 29, 2026.

                              What APY does SoFi list?

                              SoFi lists 3.30% APY with eligible direct deposit or $5,000 in qualifying deposits, and 0.80% APY without them, in rates effective Oct 20, 2026. SoFi says the rate is variable. You need eligible direct deposit, or $5,000 in qualifying deposits every 31 days, to earn the 3.30% APY. We checked this on Oct 29, 2026.

                              What is SoFi's app store rating?

                              SoFi Checking and Savings has 4.7 out of 5 on the App Store from 385,422 ratings. That's a snapshot from the store listing on Oct 29, 2026, not our score.

                              Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.

                              Another option: Fifecta

                              If none of these feels right, here is one more option to look at. Fifecta gives every paycheck a plan with FUNDS, and it starts from your Money Type, so the plan matches how you already handle money.

                              Keep comparing

                              Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.

                              Want a plan built on your Money Type?

                              Fifecta gives every paycheck a plan with FUNDS, so you know where each dollar goes.

                              Sources and confidence

                              Last checked
                              Sourced facts
                              177 facts, each linked and dated
                              SoFi Checking and Savings7 sourced facts, last checked Oct 29, 2026
                              Ally Bank Savings7 sourced facts, last checked Oct 29, 2026
                              Chime7 sourced facts, last checked Nov 12, 2026
                              MoneyLion7 sourced facts, last checked Oct 29, 2026
                              Acorns10 sourced facts, last checked Oct 29, 2026
                              Ally Invest9 sourced facts, last checked Nov 3, 2026
                              Betterment10 sourced facts, last checked Nov 3, 2026
                              Bloom10 sourced facts, last checked Nov 3, 2026
                              Charles Schwab10 sourced facts, last checked Nov 3, 2026
                              E*TRADE10 sourced facts, last checked Nov 3, 2026
                              Fidelity Investments10 sourced facts, last checked Nov 3, 2026
                              M110 sourced facts, last checked Nov 3, 2026
                              Public10 sourced facts, last checked Nov 3, 2026
                              Robinhood10 sourced facts, last checked Nov 3, 2026
                              SoFi Invest10 sourced facts, last checked Nov 3, 2026
                              Stash10 sourced facts, last checked Nov 3, 2026
                              Vanguard10 sourced facts, last checked Nov 3, 2026
                              Wealthfront10 sourced facts, last checked Nov 3, 2026
                              Webull10 sourced facts, last checked Nov 3, 2026

                              Each fact links to the official page it came from, with the date we checked it. Once a fact is older than 30 days, it comes off the page until we check it again. How we source, date and index this data.

                              This is education, not financial advice.