Review

Your financial life is fragmented across a dozen apps. Checking account at one bank paying 0.01% APY. Savings at another, maybe earning 0.5%. Brokerage account somewhere else with $7 trades. Student loans at whatever servicer bought them. Credit cards scattered. You check four different apps to understand your money, and none of them talk to each other. This isn't a 'problem' anyone promised to solve—it's just accepted as normal. Fragmentation costs real money. Your checking account pays nothing while inflation erodes it. High-yield savings accounts exist but require opening another account, another app, another login. Your student loans might refinance at a lower rate, but researching options takes time you don't have. Every financial decision requires context-switching between platforms, each optimized to keep you from leaving rather than helping you thrive. The big banks have no incentive to consolidate. They profit from inertia—customers who never notice the 0.01% APY, never realize they could refinance, never question the $12 monthly maintenance fee. Fintech apps solved individual problems but created the new problem of needing ten fintech apps. Nobody stitched it together into a coherent experience. SoFi is the closest thing to a complete financial platform. One app handles checking (no fees, no minimums, early direct deposit), savings (high APY, FDIC insured up to $3M), investing (stocks, ETFs, crypto, fractional shares, automated portfolios), and lending (personal loans, student loan refinancing, mortgages, auto loans). The SoFi Relay dashboard aggregates even external accounts into one view. The savings account APY consistently ranks among the highest available. The credit card offers 2% back when redeemed into SoFi accounts. Student loan refinancing has saved members thousands in interest. Free ATM access worldwide, Experian credit monitoring included, no foreign transaction fees. If you're managing money across multiple apps and accepting 0.01% on your checking balance, consolidation is the upgrade.