SoFi: Mobile finance - Save, invest, & spend money

Earn high interest on all your cash* and pay no account fees when you spend money using your SoFi Money® debit card. Trade stocks and ETFs commission free with SoFi Invest®. SoFi Personal Loans, Student Loan Refinancing, and Home Loans all have low rates and no hidden fees.

This is mobile finance done the smart way. Spend money, borrow, invest, and get your savings in check. From helping you save to streamlining your cash management, we’ll help you Get Your Money Right®.

---Money: save, spend, and earn—all in one product.
• Mobile finance that lets you earn high interest on all your cash.*
• Pay zero account fees and save money. 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

---Invest: Stocks, crypto, and automated investing—all in one place
• No fees and no account minimums to invest in stocks and ETFs
• 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

---Loans: borrowing money can be fast and easy. You can even check your rate in 2 minutes.
• Borrow money when you need it with personal loans. Invest in home renovations or consolidate credit card debt.
• Save money on your student loans — SoFi is the leading student loan refinancing provider.
• Make your dream home a reality with as little as 10% down on a home loan. 10% down. 100% home.

---Relay: connect your accounts and see your debit and savings account in one place.
• Track when you spend money, boost cash management and find ways to save money in real time.
• Set multiple finance goals. Talk with a financial planner to set goals for your money and your life.

Are you an existing SoFi member? Keep track of your existing loans, apply for new accounts, and get access to exclusive experiences.


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 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, member FINRA/SIPC.

SoFi Money is a cash management account not a bank account, and is offered through SoFi Securities LLC. The SoFi Money account is a brokerage account. Neither SoFi 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.
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What's New

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
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Additional Information

November 12, 2019
Current Version
Requires Android
6.0 and up
Content Rating
Offered By
Social Finance, Inc.
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