1% Deposit Match Terms & Conditions

SoFi Securities LLC (“SoFi Securities”) and SoFi Wealth LLC (“SoFi Wealth”) are offering the SoFi 1% Match promotion (the “Match” or “Offer”), which is governed by the following Terms and Conditions:

Offer:

SoFi members are eligible for a 1% Match on deposits made into their existing or newly opened non-retirement self-directed SoFi Invest account (offered by SoFi Securities) or non-retirement Robo investing SoFi Invest account (offered by SoFi Wealth) during the Offer Period (the “Eligible Deposit”).

For SoFi Plus members, this Offer can be combined with the SoFi Plus: 1% Deposit Match Offer, provided the qualifying deposits, holding requirements, and Plus status are independently satisfied for each offer. By combining offers, active SoFi Plus members can earn a 2% match on Eligible Deposits during the Offer Period.

Offer Period:

The Offer Period is from August 18 – August 31, 2026. SoFi may modify, suspend, or terminate the Offer at any time in its sole discretion without advance notice.

Eligibility:

To receive and retain the full value of this promotion, a SoFi member must maintain each Eligible Deposit in the SoFi Invest non-retirement account for five (5) years from the settlement date. Each Eligible Deposit shall be subject to its own independent five (5) year holding period measured from its respective settlement date.

Deposit refers to an instant cash transfer from a SoFi Bank account or ACH deposit into either a non-retirement self-directed SoFi Invest account or non-retirement Robo investing SoFi Invest account during the Offer Period. The deposit must be settled before the end of the Offer Period to be eligible for the Match.

For the avoidance of doubt, “Eligible Deposit” excludes Internal transfers between SoFi Invest accounts, Automated Customer Account Transfers (ACATs), securities transfers, interest, dividends, fee reversals, promotional credits, and other non-cash credits.

Calculations and Payments:

The Match is calculated on each incoming instant cash transfer from a SoFi Bank account or ACH deposit. The Match will be earned only if your non-retirement SoFi Invest account is in good standing at the time the Eligible Deposit settlement. Matches will be paid in cash into the same account receiving the deposit within 5 business days of the deposit being settled, subject to verification of eligibility and compliance with these terms. Funds deposited into a Self-Directed account will not be automatically invested unless you take action to invest them. Matches will not be paid out on accounts that are closed or pending closure. SoFi reserves the right to delay payment of any Match pending review for fraud, abuse, or violation of these Terms.

Example: If you complete a deposit of $1,000 into your non-retirement self-directed SoFi Invest account, you will be paid a 1% Match on your deposit, equaling $10.

Limitations:

This Offer may not be combined with any other SoFi Invest offers unless expressly permitted by SoFi in writing.

SoFi members must keep Eligible Deposits in the account that earned the Match for five (5) years to keep the entire Match amount. If a SoFi member makes a withdrawal before the five (5) year holding period is complete, they will be subject to an early withdrawal fee and SoFi will remove a proportional amount of the Match from the member’s account. The proportional amount is based on the breach in retention value, not retention period. To avoid this early withdrawal fee, the total equity of the SoFi member’s account (“total equity”) must at minimum equal the original pre-promotion total equity in the account, the qualifying deposit and Match amount. If a withdrawal causes the total equity to fall below this combined amount, the early withdrawal fee will be applied. For purposes of this Offer, “total equity” means the sum of cash the market value of securities in the applicable account, as determined by SoFi in good faith based on the account’s real-time market valuation at the time the withdrawal request is processed, as reflected in SoFi’s official books and records. SoFi may apply reasonable rounding or a de minimis tolerance to account for ordinary market fluctuations.

The early withdrawal fee will also apply if the SoFi member initiates a withdrawal and the total equity has decreased, for any reason including investment losses. However, the early withdrawal fee will not apply if the SoFi member’s total equity has risen by an amount greater than the withdrawal amount, either by investment gains or additional deposits.

The proportional early withdrawal fee is deducted from the requested withdrawal amount. In the event of an ACAT transfer out, there will be an early withdrawal fee for the entire Match amount. For clarity, an ACAT transfer out during the applicable five (5) year holding period will result in forfeiture of the Match associated with the applicable Eligible Deposit(s) that have not satisfied their respective holding period(s).

If insufficient cash is available in this account, the early withdrawal fee will be debited from an outgoing financial institution or added to a margin balance. SoFi reserves the right to liquidate securities to pay for this early withdrawal fee. SoFi will also bill an ACAT out fee separate from an early withdrawal fee. For additional details on the SoFi fee schedule click here.

Early Withdrawal Fee Examples:

Deposit	1% Match	Total Equity Balance	Withdrawal Date	Withdrawal Amount	Remaining Equity Balance	Early Withdrawal Fee
$1,000	$10	$1,010	5+ years from deposit date	-$600	$410	$0 (earned full match amount)
$1,000	$10	$1,010	Less than 5 years from deposit date	-$600	$410	$5.94
$1,000	$10	$1,310 Account balance increases due to investment gains	Less than 5 years from deposit date	-$250	$1,060	$0
$1,000	$10	$950 Account balance decreases due to investment losses	Less than 5 years from deposit date	-$250	$700	$3.07

Fraud and Violations:

SoFi reserves the right to decline, rescind, or delay granting the Match if fraudulent activity or violations of these Terms are suspected. SoFi may liquidate securities as reasonably necessary to recover any match amounts owed. SoFi’s determinations under this section shall be made in its reasonable discretion

Taxes:

The Match may be considered income and will be reportable on IRS Form 1099-INT, 1099-MISC, or Form 1042-S as applicable. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the offer; consult with your tax advisor to determine applicable tax consequences.

Disclosures:

Nothing in this Offer constitutes a recommendation to buy, sell, or hold any security or to engage in any investment strategy. Brokerage services are provided by SoFi Securities LLC, Member FINRA/SIPC. Robo investing and advisory services are provided by SoFi Wealth LLC, an SEC-registered investment adviser.

^{^}Available to SoFi Invest members from August 18 – August 31, 2026. All eligible members receive a 1% Match on cash deposits into non-retirement SoFi Invest accounts; SoFi Plus members receive a 2% Match. SoFi Plus members must be subscribed at the time of deposit and keep the deposited funds in the account for five (5) years to retain the full 2% Match. Non SoFi Plus members must keep the deposited funds in the account for five (5) years to retain the full 1% match. 

Restrictions apply. Match may be taxable. See full terms and conditions here.

^‡Terms and conditions apply. For 401(k) rollovers, existing SoFi IRA members must complete 401(k) rollovers via this link. For SoFi members without a SoFi IRA, a SoFi IRA must first be opened, and 401(k) rollover must be completed utilizing Capitalize via this link. SoFi and Capitalize will charge no additional fees to process a 401(k) rollover to a SoFi IRA. SoFi is not liable for any costs incurred from the existing 401(k) provider for rollover. Please check with your 401(k) provider for any fees or costs associated with the rollover. For IRA contributions, only deposits made via ACH and cash transfer from SoFi Bank accounts are eligible for the match. SoFi IRA account must be maintained for five (5) years from the settlement date. Click here for the 1% Match terms and conditions.

Exchange Traded Funds (ETFs): Investors should carefully consider the information contained in the prospectus, which contains the Fund’s investment objectives, risks, charges, expenses, and other relevant information. You may obtain a prospectus from the Fund company’s website or by emailing customer service at [email protected]. Please read the prospectus carefully prior to investing.

Before investing in Exchange Traded Funds (ETF), always read the fund’s prospectus. It contains important information about the fund’s objectives, risks, and fees. You can get a prospectus from the fund company’s website or by emailing our customer service at [email protected].

Investing in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. Further, there are a variety of risk factors to consider when investing in an IPO, including but not limited to, unproven management, significant debt, and lack of operating history. For a comprehensive discussion of these risks please refer to SoFi Securities’ IPO Risk Disclosure Statement. This should not be considered a recommendation to participate in IPOs and investors should carefully read the offering prospectus to determine whether an offering is consistent with their investment objectives, risk tolerance, and financial situation. New offerings generally have high demand and there are a limited number of shares available for distribution to participants. Many customers may not be allocated shares and share allocations may be significantly smaller than the shares requested in the customer’s initial offer (Indication of Interest). For more information on the allocation process please visit IPO Allocation.

^**When scheduling a fractional order, it will be routed to the market immediately. Orders are sent in the order received. There may be system delays from receipt of your order until execution. Market conditions may adversely impact execution prices.

¹Terms and conditions apply^*. For 401k rollovers, existing SoFi IRA members must complete 401k rollovers via this link For SoFi members without a SoFi IRA, a SoFi IRA must first be opened, and 401k rollover must be completed utilizing Capitalize via this link. SoFi and Capitalize will charge no additional fees to process a 401(k) rollover to a SoFi IRA. SoFi is not liable for any costs incurred from the existing 401k provider for rollover. Please check with your 401k provider for any fees or costs associated with the rollover. For IRA contributions, only deposits made via ACH are eligible for the match. Click here for SoFi’s 1% Match terms and conditions.

²The S&P 500 Index is a market-capitalization-weighted index of 500 leading publicly traded companies in the U.S. It is not an investment product, but a measure of U.S. equity performance. Historical performance of the S&P 500 Index does not guarantee similar results in the future. The historical return of the S&P 500 Index shown does not include the reinvestment of dividends or account for investment fees, expenses, or taxes, which would reduce actual returns.

SoFi Plus: SoFi Plus is a premium membership that gives members access to our best rewards, benefits, and more when they pay the SoFi Plus Subscription Fee. Between 12/9/25–3/30/26, members with Eligible Direct Deposit or Qualifying Deposits will receive complimentary access to SoFi Plus. Benefits are subject to change and may not be available to everyone. All terms and conditions applicable to the use of SoFi Plus apply. To learn more about SoFi Plus and available benefits and terms, please see the SoFi Plus page.

^{3Appointments with financial planners:}

SoFi Plus members can schedule an unlimited number of appointments with a financial planner. For complete SoFi Plus eligibility, please see the SoFi Plus terms.

SoFi members who do not meet the SoFi Plus eligibility criteria can schedule one (1) thirty-minute appointment with a financial planner.

Members can only schedule an unlimited number of appointments with a financial planner during periods in which the member meets the SoFi Plus eligibility criteria. The ability to schedule appointments is subject to financial planner availability. SoFi reserves the right to change or terminate this benefit at any time with or without notice. Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.

⁴ 1% Invest Match: Must be an active SoFi Plus member at the time a recurring deposit is received into your SoFi Invest account to qualify. The match is calculated on each settled recurring deposit made via ACH and paid out in cash within five (5) business days. SoFi reserves the right to change or terminate this promotion at any time without notice. For complete eligibility and terms, please see the SoFi Plus terms.

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