60
fair
SoFi: Mobile Banking App | unitQ Score
The unitQ score is the fraction of public feedback data (iOS & Android) that mentions quality issues.
100 = No Issues. 50 = Some Issues. 0 = All Issues
100 = No Issues. 50 = Some Issues. 0 = All Issues
8 Points Past 30 Days
Category: Finance
30-Day Trend
Android unitQ Score
Android User Feedback
26%
Android
86 Reports
86 Reports
iOS unitQ Score
iOS User Feedback
74%
iOS
245 Reports
245 Reports
User Feedback
74%
iOS
245 Reports
245 Reports
26%
Android
86 Reports
86 Reports
SoFi: Mobile Banking App - Latest Quality Issues
iOS
Mar 30, 2025
App is horrifically buggy
Shows incorrect information. Chat center is broken. Placeholder text is visible in the app. Very bad. You should not trust SoFi with your money or your private information. Even the “feedback” widget itself is broken. They ask for feedback after a support chat, but the widget is broken and doesn't work. lol so very bad.
iOS
Mar 31, 2025
Awful customer service
Awful customer service
iOS
Mar 31, 2025
Poor app experience
The app experience is extremely poor. The chat is so glitchy and at the end it asks you to rate the experience on scale 1 through 10 but none of it works. You can tap as long as you want and it won't record your choice. I also have had very underwhelming experience with live agents. They barely read the questions and just buy time with copy/paste answers. Not impressed
iOS
Mar 31, 2025
Horrible!
SoFi attempted duplicate withdrawals from my linked account. Then charged me ACH return fees when the fraudulent attempt was blocked by my bank. It has been a mess!! After 1.5 hours on chat support and being transferred to 5 different departments they simply stopped responding and ended the chat!
iOS
Mar 31, 2025
Appalling support
If there is a bank with less care for its customers it's SoFi. Helpful? Not a chance. Hit you with a random fee? No problem! Tell you how to pay a card? Nope! Lower your limit with no warning? You bet! My favorite part is that they will sell your personal info to at least 20 different lenders. So get ready to get a ton of spam. And they will give you a bunch of useless points. You thing it's a good thing? They just trying to keep you in their scam scheme.
iOS
Mar 31, 2025
Horrible
Locks up, waited 10-15 minutes for agent then unable to type in chat - unresponsive
iOS
Mar 31, 2025
No bonus paid !
They didn't give my referral bonus for my husband who opened a full account with direct deposite I'm very disappointed!
iOS
Mar 31, 2025
Not very efficient
Every time i access the app or web site i have difficulty finding what i need. i only have checking and savings and still i find the site as a whole very cumbersome. i've spent significant chat time trying to get what i need done. if i hadn't already invested the time and energy to make SoFi our new bank, I would opt for another bank. But here I am. and right now I am not a fan.
iOS
Apr 1, 2025
Margin call
Well I will be looking for a new bank. I have been buying low end stocks of this one type and now I'm -19$ in the whole on my invest page due to a $30 ACH fee which came out of my invested stocks and auto sold all to pay for the fee. I didn't sell anything. I never had a fee before on Robinhood or Webull. First time signing up they also didn't honor the sign up bonus. New bank and new app in my future. Saying sorry isn't gonna fix much. Actions over words
SoFi: Mobile Banking App - Product Description
Earn up to 4.50% on checking and savings accounts with SoFi.* Get up to $1000 in stock when you fund an active Invest account.† --- WHY DO OVER 5 MILLION MEMBERS LOVE SOFI? --- • Earn more, save more, and make the most of your money with SoFi Plus • Track your money like a champion with SoFi Insights (formerly SoFi Relay) • Get paid up to 2 days early when you set up direct deposit** • Experience zero account fees and no fee overdraft coverage with SoFi Checking and Savings*** • Save automatically, set savings goals, and organize your money with SoFi Vaults and Roundups --- MORE WAYS TO INVEST ALL IN ONE PLACE --- • Active investing in stocks, ETFs, and more - without commission • Experience user-friendly options trading with no contract fees • You can invest in your favorite company with as little as $5 with SoFi Fractional Shares (restrictions apply) • Plan for retirement with SoFi’s IRAs and other investment products • Invest in upcoming IPOs before they hit the public market (if eligible)**** --- SOFI INSIGHTS HELPS YOU GET YOUR FINANCES IN ORDER --- • Connect all your accounts on one mobile dashboard • Monitor your credit score at no cost • Track your spending and manage your budget • Talk 1-on-1 with a financial planner to set personalized goals • SoFi can alert you of upcoming bills so you never miss a payment --- SIGN UP FOR A CREDIT CARD THAT BRINGS YOU MORE --- • Check your balance and pay your bills all within the SoFi app • SoFi keeps your personal information guarded against fraud • Make international purchases without any extra fees • Receive up to $1000 of complimentary cell phone insurance coverage^ • Earn unlimited 2% cash back rewards^^ Support: Call (855) 456-SOFI (7634) or chat with us online at https://www.sofi.com/contact-us/ Website: https://www.sofi.com/ Social: https://www.facebook.com/SoFi https://www.linkedin.com/company/sofi/ https://twitter.com/SoFi https://www.instagram.com/sofi/ *SoFi members with direct deposit can earn up to 4.50% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum direct deposit amount required to qualify for the 4.50% APY for savings. Members without direct deposit will earn up to 1.20% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 8/2/2023. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. †Customer must fund their Active Invest account with at least $10 within 30 days of opening the account. Probability of customer receiving $1,000 is 0.028%. See full terms and conditions. **Early access to direct deposit funds is based on the timing in which we receive notice of impending payment, which is typically up to two days before the scheduled payment date. ***Overdraft Coverage is limited to $50 on debit card purchases only and is available to customers with monthly direct deposits of $1,000 or more. Members with a prior history of non-repayment of negative balances are ineligible for Overdraft Coverage. ****Investing in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. For a comprehensive discussion of these risks please refer to SoFi Securities’ IPO Risk Disclosure Statement. ^This World Elite Mastercard® Benefit comes with $1,000 in yearly coverage ($800 max per claim, 2 claims per year) should your cell phone get stolen or need certain repairs. Simply pay for your cell phone bill with your World Elite Mastercard to activate coverage. See ‘Peace of Mind’ section in your guide to benefits https://www.mastercard.us/en-us/personal/find-a-card/world-elite-mastercard-credit.html for details or call 1-800-MASTERCARD. ^^See Rewards Details at sofi.com/card/rewards
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