Online & Mobile Cash Management Account

Easily access and manage your money—anytime, anywhere.

SoFi Money® is a mobile-first cash management account that earns 1.60% APY1 on all your cash and has no account 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.

Pay friends, family,
and more.

Need to pay the babysitter? Does Aunt Mary owe you money? Transfer and receive funds on any device to anyone you want. Plus, get real time fund transfers from SoFi Money members.

Deposit checks
from your phone.

Have a check but don’t feel like depositing it in person? No problem. Deposit all of your checks directly through the SoFi app.

Pay bills online.

Whether it’s your movie streaming bill or credit card bill—or both—set up all of your bill payments directly from the SoFi app or on your computer.

SoFi Money is mobile and secure.

SoFi takes protecting your money seriously. Set up two-factor authentication—including the option for fingerprint recognition—via the SoFi app. Misplace your card? Order a new one and instantly freeze/unfreeze your card directly through the app. Plus, you can update your information and passwords anytime.

Here when you
need it.

We want to get you the help you need wherever you are. Ask questions and get support online or directly through the SoFi app.

Spend, save, earn—and get
membership benefits.

SoFi Money holders get ATM fees reimbursed worldwide,2 pay no account fees, earn 1.60% APY,1 and get all the benefits of SoFi membership.

Member rate discounts

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

Career services

Get access to complimentary one-on-one career services 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.

We work hard to give you high interest and charge no account fees. With that in mind, our interest rates, fees charged, and ATM fee reimbursement policies are subject to change at any time. See our terms and conditions.

Simplify how you manage
your money.

Whether you’re at home or on the go, looking to invest or just storing cash, easily access and manage SoFi Money on your phone or desktop.

Explore more
benefits of
SoFi Money.

TLS 1.2 Encrypted
Equal Housing Lender