How to Create a Step Account without a Phone Number?

The Step Banking app operates as a personal money management platform while supporting the features of a traditional bank. It allows users to store, spend, transfer, and invest their funds. In addition, this platform is committed to enhancing financial literacy among its users, offering educational resources to help them.

It strives to provide a user-friendly experience tailored to a younger demographic while strongly emphasizing user safety. This guide unpacks everything you need to know about the Step banking app, including its features and security measures — like the requirement to submit a phone number when signing up.

What is Step App?

Step is technically not a bank but a money management app. The app offers the absence of fees, which sets it apart from many financial platforms that are often laden with charges. There are no overdraft, monthly maintenance, or minimum balance fees, making it useful for teens and parents keen to avoid surprise expenses.

Partnering up with Evolve Bank & Trust, it provides banking products like a Visa debit card linked to the user’s Step account. Alongside this feature, it offers an ability for parents to instantly transfer funds to their teen’s account and compatibility with digital wallets, as well as Google Pay and Apple Pay.

Also, Step allows for peer-to-peer money transfers, making it easier to share expenses or send gifts among friends. This feature of the Step banking app promotes teamwork in managing finances and teaches teens about digital transactions in a safe and controlled setting.

Additional Functions & Features

• Customization features provide an experience that’s tailored just for you. You can customise your notification settings and choose any theme from the app. Also, you can set spending limits, financial goals, and track your spending.
• Additionally, how you spend with your Step account affects your credit score, reflecting financial responsibility. So, with the Step Visa card, you can build a positive score with no hassles.
• Step ensures users’ data and finances are protected via encryption, anti-fraud measures, and FDIC insurance.
• Users can access features like transaction alerts and the option to lock the card attached to their Step account at the moment’s notice.
• Beyond its primary banking features, Step introduces elements that resonate well with its teen audience. Get cashback on your purchases, invest money in 1000+ assets, including crypto, and access learning resources about funds management, collectively known as Money 101.

So, below we’ll explain the registration process and why you need a phone number to use the Step app.

Do You Need a Phone Number for Step Signup?

Originating from the US, the Step Banking platform caters exclusively to residents within the country, offering its financial services with a keen focus on data security. Step requires a mobile number and a social security number upon signup to verify each user’s identity and confirm they are indeed from the United States.

Additionally, you’ll need to enter your first and last legal name, birthdate, street, city, state, apartment number, and ZIP code. Once you’ve provided this information for the Step Bank account, you can top up your balance, apply for a card, and more. These requirements are standard across American financial institutions.

Requiring a mobile phone number is necessary to enhance account security and allows you to receive SMS notifications. It also helps you recover your account if you forget your login details.

How to Register a Step Account Without a US Phone Number?

What is Step like when registering without a US phone number? It can pose difficulties, as the platform uses your phone data for security and verification purposes. One solution for those who don’t have a US phone number is to try a virtual US number.

This alternative can receive SMS messages, enabling you to go through the necessary confirmation steps. In the following part, SMS-Man describes its one-time numbers and provides a walkthrough on how to use them for Step signup.

How to Use Virtual Numbers From SMS-Man?

One-time virtual numbers from SMS-Man offer a convenient and secure way to finalize confirmation without revealing contact information. This internet-based data supports 200 countries and lets you receive confirmation messages from 1500+ apps, including Step. This method will save you from having to purchase a US SIM card while increasing your privacy. This way, you will be able to complete your Step banking app registration outside of the US.

Interested in getting started? Dive into this guide for the details on purchasing and utilizing a virtual number:

1. Register on sms-man.com through your social media.
2. Replenish your balance via the ‘top up’ option above.
3. Select the nation and app, then press ‘Buy SMS’.
4. Spot the phone number for Step in your cabinet.
5. Copy it and add when asked.
6. During the confirmation process, get back to SMS-Man and pick ‘Get SMS’.
7. Finalize your account.