Trade stocks, shares, crypto currency and ETFs with SoFi Invest®. Earn high interest on all your cash* and pay no account fees 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, and cryptocurrencies
• Automated investing for a hands-off approach

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

*We work hard to give you high interest 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.

• Set multiple goals. Talk one-on-one with a financial planner to set ambitious goals for your money and your life.
Are you an existing SoFi member? Keep track of your existing loans, apply for new accounts, get access to exclusive experiences, and connect with other members of the SoFi community.



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.

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 doesn’t charge any ATM fees and will reimburse ATM fees charged by other institutions when a SoFi Money™ Visa® Debit Card is used at any ATM displaying the Visa®, Plus®, or NYCE® logo. SoFi reserves the right to limit or revoke ATM reimbursements at any time without notice.

The SoFi Money Visa® debit card is issued by Wilmington Savings Fund Society. Visa is a registered trademark of Visa International Service Association and is used pursuant to a license from Visa U.S.A. Inc.

SoFi. 2750 East Cottonwood Pkwy, Suite 300, Salt Lake City, Utah 84121

© 2019 Social Finance, Inc. All rights reserved.

What’s New

Version 2.6

Whether your weekends are for working or for waffles, you can now use them for investing. Add cash to your SoFi Invest account and get instant funding to buy crypto or place orders to buy stocks.

Ratings and Reviews

4.8 out of 5
26.3K Ratings

26.3K Ratings

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.

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?

PB779 ,

Giving it a chance

I am giving this app 5stars because I do see how it can potentially be one of the best all-in-one financial app. However, I sadly am facing a very annoying issue with it and customer service has been less than great in dealing with this. The app has been showing me an error that reads “you’ve reached max attempts, try reconnecting banks on November 11, 2019” for the past month.. and I am not able to connect any funding sources. I basically see the potential yet it’s all useless to me so far. Customer service has been giving me answers like “hmmm... it’s weird.. send me a screenshot of the error and we’ll get back to you” and never follow-up. If this issue won’t get resolved in the upcoming 48 hours i’m closing the account and changing my stars rating.. If that can be resolved, I am happy to submit a fair review update because I truly want to love this app.
Finally, PLEASE catch up with the 2019 must-have dark mode option!! Thank you.

Developer Response ,

Thank you for bringing this to our attention. We do apologize tremendously for the troubles you have come across. We are actively working on this for you and have an agent contacting you to provide you with an update. We appreciate the five-star rating and hope to get this resolved for you as quickly as possible.


Social Finance, Inc
213.4 MB

Requires iOS 12.0 or later. Compatible with iPhone, iPad, and iPod touch.



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