Get 2.25% APY on all your cash and pay no fees with a SoFi Money® debit card. Trade stocks and ETFs for free with SoFi Invest®.

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:

---SoFi Money: the benefits of checking and savings morphed into one account.
• Earn more interest. Get 2.25% APY on all your cash.
• Pay zero account fees. No annual, transactional, overdraft, or other account fees.
• Free ATMs everywhere. Use any ATM and we’ll reimburse the fees.

---Active Investing: a lot of people think you have to be an expert to trade stocks. We debunk that myth.
• Pay zero fees. Buy and sell stocks at no cost. Plus, there are no account minimums.
• Learn by doing. Anyone can be a smarter investor with news updates and more—all in the SoFi app.

---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 on 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.

Neither SoFi nor its affiliates is a bank. SoFi Money is offered through SoFi Securities LLC.

The SoFi Money Annual Percentage Yield as of 2/12/2019 is 2.25% APY (2.23% interest rate). Interest rates are variable subject to change at our discretion, at any time. No minimum balance required.

SoFi doesn’t charge any ATM fees and will reimburse ATM fees charged by other institutions when a linked SoFi Money Visa® Debit Card is used at any ATM displaying the Visa®, Plus®, or NYCE® logo. Please note, though SoFi doesn’t charge foreign transaction fees, there is a foreign exchange fee of 1% charged by Visa that is not waived. SoFi reserves the right to limit or revoke ATM reimbursements at any time without notice.

Service charges may apply for multiple card replacements, card rush delivery, stop payment services, or to process any court order or tax levy.

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 1.7.13

For the parents among you, SoFi now offers parent loans for the full suite of educational pursuits: undergraduate, graduate, MBA/JD, and parent private student loans.

For everyone else, enjoy this regularly scheduled round of bug fixes and performance improvements.

Ratings and Reviews

4.8 out of 5
7.1K Ratings

7.1K 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.

NiciW00 ,

Good but could be better

I primarily use my SoFi account as a savings account and while I’m fairly satisfied overall, there are some annoyances. It takes quite a while to both transfer money to the account from my US Bank checking and also deposit checks. I get paid on Fridays and on those days I’ll write myself a check to deposit into my SoFi account but the funds aren’t available until Wednesday even though the money is generally taken out of my US Bank account the day after I deposit the check. I’m not spending money out of my SoFi account so I guess it doesn’t matter that much to me but I’m sure it’s a pain for others who would like to spend the money they’re depositing.

Developer Response ,

Hi NiciW00, thanks for the review. This is very helpful and have sent this to our team. We’re continuously working on new features and functionality to help you get your money right, so stay tuned for more updates in the coming weeks. Thanks for being a SoFi member.

MatthewQK ,

Great services, good app, has some work to do

The interest rate and services offering of SoFi are wonderful, and the general functionality of the app is solid. However, the app could be improved through some simplification via customizability. The pages are often busy with articles and whatnot that I don’t care for, and there are multiple tabs in the menu along the bottom which are irrelevant to me and any other user who is uninterested in loans or have a separate brokerage account. If it were up to the user to decide which subjects are available in the bottom navigation, as well as having the option to remove information/education articles, this app would get both 5 stars and be hands down the best personal finance application. I understand SoFi wishing to entice users to their other products, but I can promise them it’s not through menus that only detract from the user experience.


Social Finance, Inc
152.9 MB

Requires iOS 11.0 or later. Compatible with iPhone, iPad, and iPod touch.


English, French, Spanish

Age Rating
Rated 4+
© Social Finance, Inc.


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