Step: All-In-One Money App

• Free

Last verified 30 Aug 2026

• Free to download

Last verified 31 Aug 2026

4.7 81553 ratings · App Store

1. 5/5Do not put all your eggs in one basket.

   An issue that I have run into is one you cannot easily see how close you are to the limits set on your card so be ready to break out the calculator, and two while Step claims you can request a limit increase for your card, they will most likely deny you stating that you have reached the maximum allowed. While others have 5x the limits set forth for the “average everyday user”. Step is great for most things but if you think you will hit the initial limit then you need to use another bank. So if you have any unusual purchases such as vehicle repairs, income tax or anything that may be sufficiently large don’t expect to use your card or at least for awhile after the purchase. And if you get a raise and your cost of living increases they leave you high and dry when you are trying to pay bills or in the store and your cards is declining no matter how much money you have. And they don’t adapt well, not sure how they calculate spending limit needs but someone who makes $1000 a month can have a $25,000 limit on their card but someone who makes $10,000 a month can only spend $5000. If you choose to use step always have a backup and a way to quickly move funds.

   Ragingseraphim · 30 Aug 2026

2. 4/5There’s a few things that could make it better

   So I’ve been using step for about a little over a year now and I like it, it’s a pretty cool app/bank. If you’re starting out on credit like I am it’s really good for that. I’m able to borrow up to just under $100 if I need to however, for the longest time (and I mean a good 6 months) I wasn’t able to because my card was declined when I accidentally used that one instead of my other card for tap pay on my phone. So that’s one thing I had a problem about. I’m tryna build credit here and it just got taken away😭😂. Another thing is finding an atm to withdraw money. I think this might just be a me problem but I can’t find an atm to save my life. I think it’s just my area however. And the last minor problem I have is Apple Pay. I send and receive money a lot through Apple Pay and it would be nice to be able to do that without having to keep my other bank account open just for that. I literally have another bank account open just to send and receive money and be able to deposit and take out cash. But other than that I love the fact it tells you what’s impacting your credit and what you need to do to get it up. Overall I give it 4 stars just because the good outweighs the bad. The problems I have aren’t keeping me from doing anything, just making everything have an extra step so I can’t hate it for that.

   Step 4 the W · 30 Aug 2026

3. 1/5Slow customer support

   I’ve been banking with step since I was 15, I loved it for many years even now. My only issue and my biggest issue is now support is slow to answer. My in app chat doesn’t work and they are slow when answering emails. I have been urgently trying to get a hold of them. They limited my account and cant access funds. They want me to verify my account by submitting documents but the email they send me takes me to the in app chat that doesn’t work. I’m highly disappointed especially as a customer that’s been using step for years. I loved banking with step but I feel as if I can no longer stay with them. I’m an adult now with bills and things I need to pay and can’t aces access the funds in my account. Again I’m disappointed and frustrated because it’s been days now since I last heard a response from anyone. One of their best features that I loved was the fast reply’s. Not necessarily fast but I definitely wouldn’t have been waiting days for a response. Especially when it’s this urgent. It my fault for not keeping money in another bank account but it’s ridiculous how I can’t even transfer money out. Or at least make purchases so I can pay bills. I have a kid I have to worry about and it’s hard right now not being able to get my funds. And even more frustrated my direct deposits won’t come through. Step do better and try to fix these issues your a good bank but this is a major issue that’s affecting me financially, and my everyday life.

   Coconut water milk · 30 Aug 2026

4. 5/5First card you should get

   I have used Step for about 3 and a half years now, and all I can say is that it has been my go-to card for everything. The app is super easy to use and user-friendly. I love how you are able to invest when you were not 18 yet. Along with that, you can build your credit at such a young age, so once you turn 18, you are already ahead of everyone. Customer support is super friendly and fast. I had to contact them when I got locked out of my account one night, and they got me back in the next day. I had tried multiple credit card companies, but I have not ever been able to build credit because I had no credit, so no one would give me a card. Step fixed that and got me on the road to success. I am forever grateful for what they have done. The card is free to use, but they do have a paid card if you want extra features. My only recommendation is bringing back the annual fee for the Black card as that is something I enjoyed instead of paying monthly. I am now 19 and already have a credit score of over 700 I will continue to use this card. I will always recommend this card to anyone who is either just starting out or needs to build credit.

   Ricky2140 · 30 Aug 2026

5. 1/5Closed My Account for “Fraud” with No Warning – Holding My $360 with No Explanation!

   I am BEYOND disappointed and frustrated with Step. I transferred $360 to my Step account this morning from another account IN MY NAME to use for a hair appointment, nails, and toes for a concert I’m attending on the 18th. This account was opened in 2023 and has never had any issues. I haven’t even used the account yet, and out of nowhere, Step closed my account and claimed it was for “fraud.” How is it fraud when the money came from ME, from a legitimate source with my name attached to both accounts? I received absolutely no warning, no explanation, no communication—just an account closure and now my money is being held under “investigation.” That’s nearly $400 that I NEED right now, and it’s being locked away for no valid reason. This is completely unprofessional, irresponsible, and unacceptable. You can’t just take people’s money, lock them out of their accounts, and call it fraud when it’s literally a clean transfer between my OWN accounts. This whole experience has caused me stress, panic, and disruption of my personal plans—and at the worst possible time. Step needs to understand that people rely on their funds and can’t afford to have them frozen without notice. If you’re considering opening an account with Step, BE CAREFUL. They’ll take your money and leave you stranded. I want my account reviewed and reopened ASAP or my money refunded immediately. I’ll keep speaking out until this is resolved

   Nashae Taylor · 30 Aug 2026

4.4 32079 ratings · Google Play

1. 1/5

   scammers. they steal customers money and don't return it. they robbed me of $1400 don't trust these criminals

   Michael Hammock · 1 Aug 2026

2. 3/5

   It's alright but aimed more at younger people. The borrow feature doesn't care that you get paid monthly and automatically wants repayment in two weeks, customer service doesn't care so it's stuck at a measly $50 max and $5??? Joke! Their cards run as credit and won't link anywhere with cashapp or anything like that. Cashapp gave me over draft and $50 borrow without even having direct deposit so that's where I updated my direct deposit to. None of their earn cash "points" offers ever pay...

   Justin Adrian Gagnon · 1 Aug 2026

3. 1/5

   It doesn't give you early pay or let you cancel your subscription. They stole all my bank account numbers and debit cards. Stay away.

   Brandon M · 1 Aug 2026

4. 1/5

   I was deactivated in one day 😂

   Witty Username · 1 Aug 2026

5. 1/5

   this app use to be great but now with the borrowing its only suppose to come out once you get paid but mine has been coming out multiple times a week and customer service is not understanding my problem. so they are no help at all

   Paige Fulton · 1 Aug 2026

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