Invest in stocks and trade cryptocurrency with SoFi Invest®. Download now for up to $1,000 when you open a SoFi Invest account!*

What you get:

---SoFi Invest: Buy stocks, trade crypto, and automate investing.
• Invest in stocks with no commissions & no account minimums.
• Trade Bitcoin & other cryptocurrency.
• Buy pieces of popular stocks starting at $5 with fractional shares.
• Get in on IPO action at IPO prices.

---SoFi Money: Save, spend, and earn cash—all in one cash management app.
• Pay zero account fees. No annual, overdraft, or other account fees.**
• Earn interest & cash back rewards.
**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 Relay: Keep track of all your money on the go.
• Track spending & monitor your credit score—at no cost.
• See financial insights, spending breakdowns, and more.

---Loans: Check your rates and apply online or in the SoFi app.
• Personal loans for what you need—when you need them. Fund a home renovation or consolidate credit card debt.
• SoFi is the leading student loan refinancing provider. You could save thousands with flexible terms and low fixed rates.


*No purchase necessary. Probability of customer receiving $1,000 is 0.028%. See full terms and conditions at

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 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; for details. Licensed by the DFPI, CFL#6054612. NMLS#1121636 (

We offer no guarantee that specific investments and strategies will be suitable or profitable. SoFi’s Relay tool offers users the ability to connect both in-house accounts and external accounts using Plaid, Inc’s service. The credit score provided to you is a Vantage Score® based on TransUnion™ (the “Processing Agent”) data.

Crypto, due to its volatility, carries a higher degree of risk. FINRA, the SEC, and the CFPB have issued public advisories concerning this. Crypto trading involves significant risk and holdings aren’t protected by FDIC or SIPC insurance. Visit to learn more.

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(

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

Details at

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

What’s New

Version 2.65

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

Ratings and Reviews

4.8 out of 5
90.3K Ratings

90.3K Ratings

a true believer. IPOE/SoFi ,

Sofi invest update

I know this is a lot but I think you should try a crypto car. 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 if you have any other feedback or suggestions you would like to provide.

cbryant68 ,

Cool concept but...

Firstly, I'll say that the idea of having all of my banking and being able to see all of my accounts in one place is amazing. But, there's issues that need addressed greatly. Design wise, what iOS app today doesn't allow for motions? Only this one. While in any other app today you can do things like naturally swiping from left to right on the screen to go back, but not this one. It's beyond frustrating. Phones today are far too big to have to click the top left of the screen on a little arrow to move back one screen. That's something Apple corrected by giving developers natural motions in their SDK. PLEASE add this simple, expected action to the app already. Secondly, some of the things SoFi offers makes no sense. I can apply for a massive loan with a soft credit pull, but not their credit card? What sense does that make?! I get that the loans are third party and the credit card is actually connected to SoFi, but in today's world using a soft pull is expected by the consumer. There are too many choices available on the market to allow a hard pull without a pre approval via soft pull. It makes no sense. Lastly, I'll add that many of the features, bonuses, etc that SoFi offers are fantastic. This company has a strong chance of making a huge impact in today's banking world, but their growth will likely be much slower than it has to be so long as they continue overlooking the small details that consumers have come to expect from a bank.

Developer Response ,

Thanks so much for your clear and honest feedback regarding an app motion feature and rate checks prior to applications. We’re always looking for ways to improve, so please feel free to write to us at with any other suggestions for what you'd like to see from us in the future.

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.

App Privacy

The developer, Social Finance, Inc, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Contact Info
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Location
  • Contacts
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

You May Also Like