High-Interest Hybrid Account

Earn 2.00% APY on all your cash with SoFi Money®.

Introducing SoFi Money—a hybrid account that earns you more interest and costs you nothing.

Make your money work as hard as you do.

As soon as you open your SoFi Money account, you’ll get unlimited reimbursements on ATM fees, pay no account fees, earn 2.00% APY on all your cash, and get the benefits of SoFi membership.

See how SoFi Money compares.

Interested in interest? SoFi Money earns even more of it. Earn 2.00% APY with SoFi Money. Cha-ching!

Earn like savings.
Spend like checking.

With SoFi Money, you’ll earn interest like a savings account while also getting the same spending options and flexibility as a checking account. Take out money whenever you want without account or ATM fees and earn 2.00% APY on your money.

SoFi Money gives you more.

SoFi Money holders get unlimited reimbursements on ATM fees2, pay no account fees, earn 2.00% APY1 on all their cash, and get all the benefits of SoFi membership.

Member rate discounts

As a SoFi member you’ll receive a 0.125% rate discount on new SoFi loans.

Career services

Get access to complimentary one-on-one career coaching to help with career transitions, job searches, and more.

Community experiences

SoFi members get access to experiences that help them build their network, community, and career.

Earn more and pay nothing. Get it now.

You work hard for your money. Now your money can work hard for you. Earn 2.00% APY with no account fees with SoFi Money.

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benefits of
SoFi Money.

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