Which Android app is best for having all my banking, investing, and loans in one place?

SoFi is a comprehensive financial platform that serves users looking to centralize multiple financial products. The primary appeal is its unified dashboard, called Relay, which aggregates accounts from SoFi and external institutions to display spending, credit score monitoring, and net worth in one view. For everyday banking, it offers checking and savings accounts with a competitive annual percentage yield, no account fees, and fee-free access to a large network of ATMs. Its investing section allows for stock and ETF trading without commissions, including automated investing for recurring purchases. The app also manages personal and student loans, allowing users to view balances and make payments. A practical use case involves a freelancer tracking business income in a SoFi checking account, auto-investing a percentage of deposits into a robo-portfolio, and monitoring a car loan—all within the same interface. User reviews frequently highlight the convenience of this consolidation and the responsive customer service via in-app chat. However, some users note that while the interface is clean, the sheer number of features can initially feel overwhelming compared to a simpler, single-purpose banking app. For those seeking a true all-in-one financial hub, SoFi’s breadth is a significant strength, though it may be more than necessary for someone who only requires basic checking.