Get 10% cash back on groceries and streaming services when you pay with SoFi Money. Learn more.

Sofi Money

Save, spend—and
savor the rewards.

SoFi Money® is a cash management account that charges no account fees and rewards you when you spend and save.

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 and save.

Pay no account fees and no ATM fees at 55,000+ ATMs.1

Earn cash back rewards on spending with recurring $500 monthly deposits.3

Earn 6x the national average vs spending accounts with recurring $500 monthly deposits.2

Fees? Forget about ’em.

No denying it-fees are annoying and people hate them.
That’s why SoFi Money doesn’t charge many of your usual fees.

Don’t get dinged
by account fees.

You shouldn’t have to pay money to manage your money. Good thing SoFi Money doesn’t have any account fees, monthly fees, or many other common types of fees.

Pay no ATM fees at
55,000+ ATMs worldwide.

Sometimes you want cold hard cash. You shouldn’t be charged for that-no matter where you are. With SoFi Money, ATMs are fee-free at any ATM within the Allpoint® Network.

Supercharge your savings.

Set up direct deposit or recurring deposits that add up to at least
$500 a month to earn exclusive benefits that help you build your savings.3

Learn more here.

Spending is
rewarding— in more
ways than one.

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

(Note: Offers rotate, so check the app frequently to see the most up-to-date list of offers.)

Earn 6x the national
average vs spending accounts with recurring $500 monthly deposits.3

You work hard for your money, now let it work hard for you. Start earning interest on all your cash in your SoFi Money account.

We work hard to help you earn interest. With that in mind, our interest rates are subject to change at any time. See our terms and conditions.

Unlock the power
of SoFi Money.

Ready to take your spending, saving, and earning to the next level?
Just set up direct deposit or recurring transfers that add up to at
least $500 each month to earn all your amazing benefits. 3

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.

Please review the Customer Relationship Summary (Form CRS) which contains important information about the product, services, fees, and conflicts of interests of SoFi Securities LLC.

You may also learn more about SoFi Securities LLC and its Representatives on FINRA’s BrokerCheck.

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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