Trade stocks, shares, cryptocurrency and ETFs 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.

SoFi Personal Loans, Student Loan Refinancing, and Home Loans all have competitive rates and no hidden fees. Achieving your ambitions is easier than ever with SoFi. Tell us your financial goals and we’ll help you Get Your Money Right®. Here’s how:

---Invest: Stocks, crypto, and automated investing—all in one place
• No fees and no account minimums to invest in stocks
• Get a piece of popular stocks starting at $1 with Stock Bits
• Buy and sell Bitcoin, Litecoin, and Ethereum
• Discover trending stocks, ETFs
• Automated investing for a hands-off approach

---SoFi Money: save, spend, and earn—all in one product.
• Pay zero account fees. No annual, transactional, overdraft, or other account fees.*
• Use any ATM that accepts Mastercard® and we’ll reimburse the 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

---Loans: we’ve funded over $40 billion in loans. You can check your rates in two minutes.
• Personal loans for what you need—and when you need them. Fund a home renovation or consolidate credit card debt. Servicing is now in app!
• SoFi is the leading student loan refinancing provider. You can save thousands when you refinance your student loans.

--Relay: connect your accounts and see everything in one place.
• Track your spending and find ways to save in real time.



SoFi loans are originated by SoFi Lending Corp. and not all products are available in all states. Additional terms, conditions, and state restrictions apply; See for details. Licensed by the DBO, CFL#6054612. NMLS#1121636 (

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.

Risk is a natural part of investing—and crypto, due to its volatility, carries a higher degree of it. 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.

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.

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.

Neither SoFi nor The Bancorp Bank charge any ATM fees. SoFi will reimburse ATM fees charged by other institutions when a SoFi Money® World Debit Mastercard is used at any ATM displaying the Mastercard® or Maestro® Acceptance Marks. SoFi reserves the right to limit or revoke ATM reimbursements at any time without notice.

The SoFi Money™ World Debit Mastercard® is issued by The Bancorp Bank 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.

See offer details at

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© 2020 Social Finance, Inc. All rights reserved

What’s New

Version 2.12.1

Over 1 million people are getting their money right with SoFi, so we’re giving away up to $1 million in stock. You could win up to $50k!

What’s more, to help our members navigate through today’s uncertain environment, we are adding fresh content throughout the day about market movements, rate changes, and other financially relevant news—as well as what they could mean for you and your finances. We also offer access to virtual events that address top-of-mind topics coming from our members, live sessions with our team of certified financial advisors, calculators to evaluate your loan options, tools to help with your career development, and more. All at no cost to you, and all from within our app.

Ratings and Reviews

4.8 out of 5
30.5K Ratings

30.5K Ratings

jesseisfedup ,

Super slow

I joined SoFi initially because of the high interest available on the savings account. After going I opened up an active investing, and auto investing and a Roth IRA account because it was slick and easy to use. I have since realized it's easy to put money in, not easy to take money out. I decided I wanted more control over my investing so I attempted to liquidate my Auto Investing account and move it into my money account, it initiated a sell of all my positions on February 4th with the money sent to my SoFi savings account. The invest account shows as "completed" finally on the 6th with all my positions sold and gone from that account but they are not in my savings account. That can take an additional 3 days which means this entire process is going to take an entire week with the weekend in the middle. And, to just like on more, the ability to cancel auto deposits to any of your SoFi accounts does not work from the web, clicking the cancel button does nothing, you literally have to use the app or you can't cancel auto deposits. It's obvious SoFi is far to "young" in the financial space and has a long way to go before I could ever recommend them for any service. Oh, and the savings rates have dropped drastically so that account isn't worth keeping open either.

Developer Response ,

Thank you for taking the time to provide us with your feedback. The timeframe normally takes about 3-5 business days to complete an Invest withdrawal because proceeds from selling stock will settle in your brokerage account two business days after the sale. After that, withdrawals from your brokerage account may take 1-3 business days to reach your linked bank account. We'll be sure to take your feedback into consideration to see how we can improve this process. Regarding the issue if being unable to cancel your auto deposits from the web, can you please email us at with more information so we can look further into that?

Mossonarock ,

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.

Emoni Jackson ,

Love it, but I’d like to see more!

I have been using SoFi for about a month now, and I LOVE IT. Being able to see where my money is going, learning more about investing, and having a ton of tools to help me as I learn financial independence as a college student is really helping me to get smart about my money and spending. I do feel like there are a few more tools that could be added to improve the budgeting aspect of this app. For instance, a round-up tool that could round up the remaining change in your purchases, to go toward stock or savings would be extremely beneficial. I’d also love if there was a way to create little secondary pots of money for me to allocate toward certain bills, like a separate pot for rent or my phone bill that I could accumulate separate from my checking account, and then move over to my checking once the bill is due, to prevent over spending (perhaps even an auto-transfer). All in all, I understand that this app is still growing and fine tuning what is already presented, but I would love to see these additional features added!

Developer Response ,

Thank you for great suggestions. We can certainly pass this along as a suggestion for improvement to see if it is something that may be offered as a feature in the future. You also have the ability to send your feedback and suggestions for improvements to our Money Team directly through the FEEDBACK option located within your Mobile App!


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