“The freaking worst! I need to research some legal cases but okay this company bombards you with emails and commercials like every two damn seconds, its ridiculous! I mean to the point of annoyance. I wish I never signed up to "get you…”
Independent automated assessment · 3 signal sources · 588 reviews scanned · analyzed 2026-10-06.
4.6 ★439,298 ratings
5M+Downloads
12+Age rating
291 MBApp size
FreeIn-app purchases
About this app
Why do 15.8M members love SoFi? Bank, invest, and own crypto all in one app, now with SoFi Coach, your free AI-driven financial guide.
NEW! SOFI COACH: AI-DRIVEN FINANCIAL GUIDE • Chat with Coach for personalized financial insights, powered by SoFi Financial Planners. • AI-driven analysis of your spending, budget, credit score, debt, and investment portfolio.
ONLINE BANKING • Open a bank account with no account, service, or maintenance fees and no minimum balance required. • Mobile banking app to send money, transfer funds, pay bills, and manage your finances.
HIGH-YIELD SAVINGS ACCOUNT • Savings Vaults help you organize your emergency fund and savings goals in one place. • Instant transfers between checking and savings with no fees.…
Preview
Real screenshots from the store listing.
Independent evidence report
Evidence and review signals
This is where the page changes from an app-store listing into an evidence report: findings, important reviews, pricing and a dated history.
Which version this describes
When we ran this analysis, and what the store lists now.
App Store
This analysis describes version 3.116.0 of the app, analyzed 2026-10-06 . The app may have changed since.
The store currently lists version 3.116.0, updated 2026-10-02.
Google Play
This analysis describes version 3.114.0 of the app, analyzed 2026-10-04 . The app may have changed since.
The store currently lists version 3.115.0, updated 2026-10-02.
The app has been updated since this analysis. The findings on this page describe version 3.114.0, not the version now listed on the store.
Release notes for the newer versions, in the developer’s own words:
Version 3.115.0 · 2026-10-02
No release notes were provided for this version.
What we measured
Each line is a measurement published as a measurement, never a verdict.
Each line is a measurement, published as a measurement. Where we have not looked, the line says so rather than reading as a zero.
Developer replies to reviews
Replies to at least 1 review in 20
Price in the store description
States a price and a billing period
Cancelling, in the store description
Does not say how to cancel
Themes reported by reviewers
1 theme reported
Counted from the reviews we have read for this app. "No theme reported" means no theme reached our reporting threshold — it is not a finding that nothing is wrong with this app, and we do not say it is.
Five-star share of ratings
80–89% five-star
Arithmetic on the stores' own published rating counts. It says nothing about why the ratings fall where they do.
In the package we scanned
No package has been scanned for this app, so nothing is published about what it ships. That is an absence of evidence about the app, not a finding about it.
Graded bands · predicate set 1.4 · how these are measured
What the analysis found
App-specific findings, grouped by what each one rests on. How they are graded lives on its own page.
Positive evidence 1
Things this app does right, published at the same strengths as the catch list.
Developer says data deletion can be requested
The developer's data-safety disclosure on the store states that users can request deletion of their data, or the app's own text offers a way to delete the account. This restates what the developer declares; it is not a test of whether deletion works. Apple publishes no equivalent disclosure, so on an Apple-only listing only the app's own text can support it.
What we saw: The developer's store data-safety disclosure states that data deletion can be requested; we have not seen a deletion control in the app's own text
One source only — shown, not confirmed 1
A single kind of evidence. We publish these because withholding them would be the bigger distortion, and we do not treat any of them as a finding we stand behind.
Reported by users: Aggressive ad load
Advertising volume or placement that interrupts normal use: ads between every action, unskippable or forced full-screen ads.
What we saw: Aggressive ad load: raised by 5 distinct reviewers (10.0% of 50 reviews scanned)
Highlighted reviews
Representative public review excerpts shown as user reports, not Appworthy audit evidence.
“The mobile app is filled with pop up ads and an interface that is constantly trying to sell you on more SoFi services. SoFi started applying a $120/year fee to my 2% cash back, NO ANNUAL FEE, credit card. When I closed all my accounts…”
“Popup ads annoying — The banking functions are actually pretty good, but why do I have to look at some sort of ads (e.g. asking me open crypto account) every time I open the app? While that may be normal for an entertainment app…”
Assessment & version history
App changes and Appworthy events in one timeline.
Store listing updated to version 3.116.0.
What this app sells
Useful store-disclosed pricing, kept below the app listing.
Business modelFree
Prices and terms as disclosed by the store listing.