SoFi vs Stori.
SoFi (S79/100) and Stori (S50/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. SoFi leads Stori 7-0.
| S SoFi №07 · OCC 79 /100 | S Stori №77 · CNBV 50 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 79 /100 | 50 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 2.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank OCC | Payment inst. CNBV |
| Deposit guarantee Per depositor | $250,000 US.FDIC | Safeguarded MX.IPAB |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 3.6 ★ 12k reviews | — |
| App store iOS + Android avg | 4.7 ★ iOS 4.8 · And 4.6 | 4.5 ★ iOS 4.5 · And 4.4 |
| Read review → | Read review → | |
Pick SoFi if…
Pick if you want the best US savings yield from an OCC-chartered bank with a clean account experience.
Pick Stori if…
Mexican credit-card-first neobank. SOFIPO licence under CNBV. Mass-market underbanked focus (no minimum income requirement) — credit-line access is the structural differentiator vs. Klar. ~3M Mexican customers.
- Best for fees SoFi won 1 of 4
- Best for protection SoFi won 2 of 2
- Best for reach SoFi won 1 of 3
- Best for ux SoFi won 2 of 2
SoFi vs Stori — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is SoFi better than Stori?
Under our v3 methodology, SoFi leads Stori 7–0 across 12 dimensions. Composite scores: SoFi 79/100 vs Stori 50/100. SoFi is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is SoFi or Stori cheaper?
Monthly fee — SoFi: €0; Stori: €0. Card FX markup — SoFi: Interbank; Stori: 2.00%. SoFi wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, SoFi or Stori?
SoFi holds a Full bank licence under OCC; deposit guarantee per depositor: $250,000. Stori holds a Payment inst. licence under CNBV; deposit guarantee per depositor: Safeguarded. SoFi is the stronger pick on regulatory protection.
Where can I use SoFi and Stori?
SoFi operates in 1 country; Stori operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.