New! Eligible SoFi members can invest in upcoming IPOs before they’re traded on the public market—only in the SoFi app.* Learn more

Debit Card Security & Protection

Keeping your account safe is our priority.

SoFi Money® is a mobile-first cash management account that charges no account fees and no fees to withdraw cash at 55,000+ ATMs worldwide.1

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.

Act fast when fraud is detected.

See unusual or suspicious activity on your account? Lose your SoFi Money card? Instantly freeze your card right away online or via the SoFi app. If unauthorized activity does happen, contact us and we’ll help resolve.

We’re serious about security.

We take the security of your information very seriously. That’s why we’re committed to protecting our members’ privacy, security, and data.

Chip card

Each card chip generates a unique transaction code—making it hard to copy.


In addition to your passcode, you’ll need a security code or fingerprint recognition to sign into your account.

Suspicious activity

If there is any suspicious activity on your cash management account, we will contact you and if necessary, restrict the account until the concern is addressed.

Covered by
FDIC Insurance2.

Feel confident that you and your money are covered. Once your money arrives at our partner banks, it is FDIC insured up to $1.5 million.

We’ve got your back.

You can set a travel notice if you plan to use your SoFi Money card while traveling to help prevent interruption. Bon voyage!

Spend, save, earn—and get
membership benefits.

SoFi Money holders pay no ATM fees at 55,000+ ATMs worldwide1, pay no account fees2, get all the benefits of SoFi membership. Plus, with at least $500 in monthly deposits, earn 8x the national average in APY vs spending accounts on all your cash3 and exclusive cash back offers.4

Member rate discounts

As a SoFi member you’ll receive a 0.125% rate discount on additional SoFi loans.5

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

We’ve got you

From fraud protection to data security, we’ll make sure your money is safe wherever you are.

Explore more
benefits of
SoFi Money.

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