SoFi alternatives
short answerThe closest alternatives to SoFi are Cash App, Revolut and Chime. All are neobanks operating in North America, comparable to SoFi on custody, licence, cards, fees and FX — compared field by field below. No affiliate links.
The 8 closest alternatives
| neobank | type | hq | reported users | compare |
|---|---|---|---|---|
| Cash App | hybrid crypto | Oakland, US | 59M transacting actives (2025) | directory → |
| Revolut | hybrid crypto | London, UK | 50M customers (2025) | directory → |
| Chime | traditional | San Francisco, US | 22M members (2024) | vs SoFi → |
| Phantom | web3-native | San Francisco, US | 15M MAU (2025) | directory → |
| Varo | traditional | San Francisco, US | — | directory → |
| Current | traditional | New York, US | — | directory → |
| Ally Bank | traditional | Detroit, US | — | directory → |
| Dave | traditional | Los Angeles, US | — | directory → |
go deeperBack to the SoFi profile, ask who owns SoFi?, or filter your own shortlist in the directory.
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.