Get up to $150 when you open a SoFi Money and Active Invest account in the app. Click here to download.

Sofi Money

Save, spend-and
savor the rewards.

SoFi Money® is a cash management account that charges no account fees to save, spend, and earn cash back rewards when you spend on brands you love.

Get SoFi Money

We work hard to charge no account fees. With that in mind, our fees charged are subject to change at any time. See our terms and conditions.

Get Your Money Right.®

We believe your money should help you achieve your ambitions, not hold you back.
That’s why SoFi Money has no account fees and earns you
cash back rewards when you spend on brands you love.

Pay no account fees.

ATM fees reimbursed1.

Earn cash back rewards.

Spending is rewarding—in more ways than one.

With SoFi Money you’ll earn cash back rewards any time you spend on brands you love. Spend, earn cash back, and save toward your goals faster. Win, win, win.

Don’t pay money
to get your money.

No denying it: Fees are annoying and people hate them. That’s why SoFi Money doesn’t have any account fees, monthly fees, or many other common types of fees.1

ATM fees

Sometimes you want cold hard cash. You shouldn’t be charged for that—no matter where you are. Use any ATM worldwide that accepts Mastercard® and we’ll reimburse you for the fees.

Learn more about SoFi Securities LLC on FINRA’s BrokerCheck.

Catching on to how
great Money is?

We’re just getting

Quick sign up

Sign up for SoFi Money in just 60 seconds. It’s that easy.

Cash management

Storing cash until you’re ready to invest? Or working toward a down payment? No matter what your goals are, SoFi Money can help you on your way.


Your phone has what you need to get the job done—complete with mobile transfers, photo check deposit, and customer service.


Once your money arrives at our partner banks, it is FDIC insured up to $1.5 million.2

Joint accounts

Get joint access to your money for you and your +1.

P2P transfers

Send money to anyone you need to right from your app. And when you send to SoFi Money holders, they’ll get it instantly.

Come for SoFi Money.
Stay for membership benefits.

SoFi Money holders get access to exclusive member benefits like events and experiences, financial planning, career services, member rate discounts on additional SoFi loans, and more—all at no cost.

Check out the
membership benefits →

People are talking about Money:

Save, spend, and earn—
all with one product: SoFi Money.

It takes just 60 seconds to sign up.

See all FAQs.

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