Trade stocks, cryptocurrency, ETFs, and participate in upcoming IPOs at the IPO price with SoFi Invest®. Pay no account fees and earn cash back rewards when you spend on your favorite brands with a SoFi Money® debit card.*
---Invest: Stocks, crypto, and automated investing
• No commissions & no account minimums to invest in stocks
• Get in on the IPO action at IPO prices
• Buy a piece of popular stocks starting at $1 with fractional shares
• Trade Bitcoin
---SoFi Money: save, spend, and earn—all in one product.
• Pay zero account fees. No annual, overdraft, or other account fees.**
**We work hard to give you cash back rewards and charge no account fees. With that in mind, our interest rate and fee structure is subject to change at any time. See our terms and conditions at sofi.com/legal.
---Loans: You can check your rates and apply all online or in our app.
• Personal loans for what you need—and when you need them. Fund a home renovation or consolidate credit card debt.
• SoFi is the leading student loan refinancing provider. You can save thousands when you refinance your student loans.
Investments products: ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE
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Investing in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. For a comprehensive discussion of these risks please refer to SoFi Securities’ IPO Risk Disclosure Statement at sofi.com/iporisk.
SoFi Money® is a cash management account, which is a brokerage product, offered by SoFi Securities LLC. Member FINRA/SIPC. Neither SoFi nor nor its affiliates is a bank.
SoFi loans are originated by SoFi Lending Corp. or an affiliate and not all products are available in all states. Additional terms, conditions, and state restrictions apply; https://www.sofi.com/eligibility for details. Licensed by the DFPI, CFL#6054612. NMLS#1121636 (nmlsconsumeraccess.org).
We offer no guarantee that specific investments and strategies will be suitable or profitable. SoFi Relay, financial planning and automated investing via SoFi Wealth LLC, a registered investment advisor. Brokerage services via SoFi Securities LLC, registered broker dealer and member FINRA/SIPC.
Crypto, due to its volatility, carries a higher degree of risk. FINRA, the SEC, and the CFPB have issued public advisories concerning this. SoFi Crypto via SoFi Digital Assets, LLC, a FinCEN registered Money Service Business.
SoFi isn’t endorsing, and is not affiliated with the brands or companies displayed. Active investing via SoFi Securities LLC, member FINRA/SIPC, IN19-1324
Brokerage and Active investing products offered through SoFi Securities LLC, member FINRA(www.finra.org)/SIPC(www.sipc.org).
Stock Bits is a brand name of the fractional trading program offered by SoFi Securities LLC. You are granting SoFi Securities discretion to determine the time and price of the trade. Fractional trades will be executed in our next trading window. The execution price may be higher or lower than it was at the time the order was placed.
The SoFi Money® World Debit Mastercard® is issued by The Bancorp Bank. The SoFi Credit Card is issued by The Bank of Missouri (TBOM). Both are pursuant to license by Mastercard® International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Terms & Conditions apply. Learn more at sofi.com/credit-card
*Details at SoFi.com/card/rewards
SoFi will assess a fee for each crypto transaction outside of rewards redemption.
Crypto trading involves significant risk and holdings aren’t protected by FDIC or SIPC insurance. For more information, visit SoFi.com/crypto.
We've made a bunch of bug fixes and improvements to help get your money right. It all adds up. Something else you'd like to see? Tell us more at firstname.lastname@example.org.
Ratings and Reviews
I know this is a lot but I think you should try a crypto card. The user would have a crypto portfolio in that portfolio her can have whatever crypto he/she wants. And as many (at least 5). Then a user fills that portfolio with money not the currency. The app then calculates how many shares they will get for each share. Like a 24/7 currency monitor that will always reflect whatever dollar amount he/she has in the “SoFi Crypto” accnt. Then he or she can make purchases and sell with crypto with everyday purchases. Once your a bank you’ll be the first with this.
Imagine to be able to not even exchange coin because “Sofi Crypto” is the wallet. You just link your accnt or transfer any other sofi accnt, fund the crypto and go. Since you guys are all about learning you can persuade them by teaching people to sell and trade with Bitcoin is an investment. Yes at times a risky one. But luckily enough there’s more than one coin. And that’s where you can lure them. It can be a safe haven for your money. So instead of risking your money on one coin, Sofi Crypto will hold 5 coins of your choice and. Your amount in coin will reflect the amount of money in accnt/ portfolio
Also add a dark mode to your app and a beginner and professional tab on your invest app to allow for more and better details on charts stocks the obviously options.
Developer Response ,
Thank you so much for your clear and honest feedback! We would be happy to share this with our product management team for consideration. Please contact us at email@example.com if you have any other feedback or suggestions you would like to provide.
Growing pains but well worth it
So, I am shifting all of my money away from my big name bank (after all, it seems a little archaic to be banking with a company that uses a horse-drawn carriage as their mascot). First, I will say that SoFi is not perfect. I have had to call their support several times through the setup process due to nuances in their systems, getting a joint account holder approved, ect. However, in my experience, the customer service is phenomenal. Thus, any of the issues that I have experienced has been taken care of swiftly and without compromise. Additionally, the benefit of having my banking (SoFi money), investing (SoFi Investing), and loan options all in one place is very useful. I am a medical student, so I hope to refinance my loans through SoFi once I go to residency. To summarize, SoFi is not perfect. It seems they are experiencing some growing pains. However, they have adequate staffing to face these growing pains. I will also say that they walk laps around the other banking companies out there (even some of the other “new” startups). Also, the app is clean cut and simple to use. I greatly appreciate SoFi!
Developer Response ,
Hi Mossonarock - Thanks for your clear and honest review. We’re continuously working on new features and functionality, so stay tuned for more updates in the coming weeks. Thanks for being a SoFi member.
Cool concept but they won’t verify my account
This is partially a complaint about the business, but the business and the app seem to be two in one. I like the idea but the app is a little bit laggy and it WILL NOT verify my account. I keep getting emails saying they couldn’t verify it and so I was going to try re-entering my name and info in case something was wrong (and/or they needed a middle name or initial) and it turns out I can’t even change the info I entered in whole unless I call the company. The problem with THAT is that there were practically a hundred people in line ahead of me on the phone and the whole reason I got the app was because I wanted a quick solution, and I don’t have all day. I am sure this app is great when it works, but there is no reason they should be able to verify my personal info and let me use the app. Or at the very least, tell me if you want a middle name or something so I can include that the first time rather than spending an hour trying to fix my account. Also, I was offered ten dollars in free stocks when I got the app, but after re-attempting to make an account, it changed my promo award to five dollars, which is a small detail but it’s annoying nonetheless. As of now, I’m still waiting for my account to be verified, or to find a way to fix my account. They don’t even have a support email, only chat or phone, which is difficult if you don’t have two hours to wait in line.
Developer Response ,
Thank you for your review. We sincerely apologize for the troubles you've had on our app. We'd be happy to take a look into this for you, please contact us at firstname.lastname@example.org. Thank you.
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