NEW!
5% cash back rewards²

Get unlimited 5% cash back rewards at grocery stores with the NEW SoFi Smart Card.

4.30%
APY on savings³

Get 4.30% APY on SoFi Bank savings for up to six months with eligible direct deposit. Terms apply.

NEW!
Investment match

Get a 2% match on recurring IRA contributions⁷, plus a 1% match on recurring deposits⁸ made through SoFi Invest^®.

Unlimited
financial planning

Schedule unlimited one-on-one sessions with experienced SoFi Wealth Financial Planners.⁹

Plus, more, more, more!

Get SoFi Plus

See FAQs

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Meet the NEW SoFi Smart Card.

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This game-changing charge card is secured by your SoFi Checking and Savings and has no hard credit pull to apply.

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• 
  Get unlimited 5% cash back rewards³ at grocery stores on everything from grapes to gravy.
• 
  Help avoid overspending because the limit on your Smart Card equals your SoFi Checking and Savings balance.
• 
  Grow your credit score⁸ with on-time payments. All with no revolving debt.

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All the rewards of the NEW Smart Card are included with your SoFi Plus subscription of just $10/month².

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Learn more

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So many ways to unlock $1,000¹ from SoFi Plus…

Example 1

Mix and match to add up $1,000.

$220 in interest + $600 in cash back rewards + $250 in value

Save $6,000 and earn $220 in interest with our highest APY on SoFi Bank savings.



Spend $2,300 on your SoFi Credit Card each month and earn $600 in cash back rewards.



Meet with a financial planner, a $250 value.

Example 2

Get unlimited access to financial planners

$250 value each time.



Schedule as many one-on-one sessions as you need.



4 sessions x $250 = $1,000.

Example 3

Buy a home. Unlock a $1,000 discount.

We’ll celebrate you closing a dream home with a dream discount.



Your $1,000 discount is also available on a mortgage refinance.



Must be a SoFi Plus member when approved.

Or find your own path! There are so many ways to save and earn with SoFi Plus, we can’t wait to see what you’ll do.

Get SoFi Plus

¹$1,000 value: See assumptions and details below, value is not guaranteed and varies depending on benefits used. Terms apply.

The estimated value of a meeting with our financial planners is based on SoFi’s competitive assessment of similar offerings. See full terms below.

SoFi Plus members are eligible for a one-time discount on loans originated by SoFi Bank of $1,000 off the standard origination fee for home purchase or refinance mortgages. See full terms below.

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Get a 2% match on IRA contributions.⁷

Double your match with SoFi Plus. Get a 1% match on your IRA contributions, plus an extra 1% cash match⁸ on all your recurring SoFi Invest^® deposits.

Schedule your deposits

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Grab up to $2,000 in stock¹⁰ with SoFi Invest^®.

Combining SoFi Plus and SoFi Invest could help you make some genius money moves—starting with double the usual welcome bonus, exclusively for SoFi Plus members.

• 

  Subscribe to SoFi Plus.
  

• 

  Open and fund your active invest account with at least $50.

• 

  Claim up to $2,000 in stock in the SoFi app!
  You’ll receive up to $1,000 once you open and fund your active invest account, then your stock award will be doubled (up to $2,000) once we’ve confirmed your SoFi Plus membership status.

Get SoFi Plus

¹³Customer must fund their Active Invest account with at least $50 within 45 days of opening the account. Receive a minimum of $10. Probability of member receiving $2,000 is a probability of 0.026% If you don’t make a selection in 45 days, you’ll no longer qualify for the promo. Percentages for the $2,000 are subject to decrease. See full terms and conditions.

No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this offer. Third party trademarks referenced herein are property of their respective owners.

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All the reasons you’re gonna love SoFi Plus.

More at the store

NEW! Unlimited 5% cash back rewards at grocery stores with the SoFi Smart Card.²

More savings

3.60% APY on SoFi Bank savings¹¹

More advice

Unlimited access to financial planners⁹

SoFi Wealth

More for investors

NEW! 2% match on recurring IRA contributions⁷

1% match on recurring invest deposits, paid in cash⁸

SoFi Invest^®

Preferred IPO access¹²

SoFi Securities

NEW! 40% off CNBC+¹³

More rewards

10% boost on cash back rewards earned through select SoFi Credit Cards¹⁴

NEW! 5% cash back rewards on all bookings (excluding air) on SoFi Travel¹⁵

2x rewards points on qualifying account activity¹⁶

More for borrowers

$1,000 home mortgage discount. Must be a SoFi Plus member when approved.¹⁷

NEW! $400 home equity loan discount¹⁷

NEW! Rate discount on new Parent student loans¹⁸

Rate discount on new personal loans¹⁹

Rate discount on student loan refinancing²⁰

More discounts

50% discount on Hello Privacy²¹

$200 off trusts with Trust & Will²²

NEW! 20% off and more with TurboTax²³

NEW! Discounted Care.com subscription²⁴

NEW! $50 Rakuten welcome bonus²⁵

More fun

SoFi Plus Experiences²⁶

NEW! 10% off tickets with Vivid Seats²⁷

NEW! $20 reward on dining with Seated²⁸

See below for specific offer terms

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Compare top SoFi Plus benefits.

These easy-to-earn benefits are just the start of the $1,000+ in annual value that SoFi Plus subscribers unlock with qualifying activities.⁵

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What a 1% match on recurring deposits
could do for you.

Build healthy habits.

Investing regular, fixed amounts is a great way to build an investing discipline and stay on top of long-term goals. When you make recurring deposits to your investment account, we’ll reward you with a 1% match.

Earn an unlimited match.

There’s no cap on the 1% match—the sky’s the limit! Simply set your recurring deposit when you want and how you want for any SoFi Invest account.

Manage risk with automated investments.

Open an auto invest account through SoFi Wealth LLC and start trading at regular intervals. If you’re taking advantage of dollar-cost averaging, you could lower your average cost per share and reduce the impact of market volatility on your portfolio.

How to start earning a 1% match
with recurring deposits to SoFi Invest^®.

Unlock additional benefits with SoFi Plus.

Get SoFi Plus

Earn 3.60% APY³ on savings balances.

Receive double rewards points on qualifying activities⁴.

Get a 10% boost on SoFi Credit Card rewards—that’s up to 3.3% cash back rewards⁵.

3% cash back rewards on select hotels booked through SoFi Travel with any card⁶.

Get SoFi Plus

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Curious about crypto but not sure where to start? Between the jargon, mixed opinions, and nonstop headlines, it can feel disconnected from your financial life. That hesitation is understandable.

Until recently, most crypto platforms operated outside the rules that apply to banks, which made them feel unfamiliar or risky to rely on. But that’s changing. As crypto becomes part of mainstream finance, nationally chartered banks like SoFi are now offering it.

Banks are closely regulated and apply certain principles to their financial products, including crypto: governance, oversight, and accountability. That structure can make digital assets more easily accessible and help it fit more naturally into your broader financial plan.

What Makes Crypto at a Bank Different

When a nationally chartered (or federally regulated) bank offers access to buy, sell, and hold crypto, it must follow the same standards that govern its other financial products, with clear guidelines designed to help protect customers and their assets. These include AML (Anti-Money Laundering) and KYC (Know Your Customer) rules, which are both designed to help prevent fraud and verify identity. By confirming details like your name, address, and ID, for example, the bank can verify it’s really you.

Alongside these protections, banks are also subject to regular audits, internal controls, and ongoing regulatory reviews. These safeguards help prevent fraud and protect your account, though no system can eliminate every risk, such as market volatility or the loss of money.

Crypto remains risky, and not insured by the FDIC (Federal Deposit Insurance Corporation) or SIPC (Securities Investor Protection Corporation). But buying it through a bank means doing so under a layer of clear standards for security and transparency that many decentralized or unregulated crypto exchanges may lack.

Keeping Your Crypto Safe

Once you own crypto, you’ll need to decide how to store and access it. You’ll use a crypto wallet – like a digital keychain that stores your private keys, which are the passwords that let you send, receive, and manage crypto. Keeping them secure is essential.

There are two ways to do that: manage your own keys or have a custodian, like a bank, manage them for you. If you buy and hold crypto through a federally regulated bank like SoFi, your assets are kept in a custodial wallet. That means SoFi manages wallet access on your behalf, using institutional-grade security and compliance protocols. With a non-custodial wallet, you’re fully in control – and fully responsible. If you lose access, your crypto cannot be recovered.

A custodial setup offers an easier way to get started, with the added benefit of customer support if you need it. A non-custodial wallet may be the better fit for those who prefer greater control. Just be ready for the responsibility that comes with it. (Learn more about digital wallets and private keys.)

Everything in One App

Managing another app or password can be a hassle. But when you access crypto through the same app as your checking, savings, and investment accounts, managing your money is more straightforward. And there are other benefits when you buy, sell, and hold crypto through a banking app like SoFi’s:

•  Instant funding: Move money from checking or savings to crypto instantly.

•  Unified view: See all your banking, investing, and crypto balances all in one place.

•  Simpler planning: Understand how crypto fits into your goals without juggling multiple apps.

•  Built-in learning: Access educational resources to build your knowledge.

These features make crypto easier to explore, manage, and learn about crypto – all in the same trusted environment you already use for your money.

Why Banks Are Offering Crypto

Banks have been watching the growth of crypto for years. Until recently, unclear rules kept them on the sidelines. Now that regulations have caught up with consumer demand, banks can offer crypto in a structured way that adds an extra layer of consumer protection. And SoFi is the first nationally-chartered bank that lets you buy, sell, and hold crypto.

Your Next Steps

If you’re curious, starting through your bank can be an easy and secure way to explore. SoFi lets you bank, borrow, invest, and own crypto, all in one place – with the structure, transparency, and accountability of a national bank, so you may take your first step with confidence.

Please understand that this information provided is general in nature and shouldn’t be construed as a recommendation or solicitation of any products offered by SoFi’s affiliates and subsidiaries. In addition, this information is by no means meant to provide investment or financial advice, nor is it intended to serve as the basis for any investment decision or recommendation to buy or sell any asset. Keep in mind that investing involves risk, and past performance of an asset never guarantees future results or returns. It’s important for investors to consider their specific financial needs, goals, and risk profile before making an investment decision.

The information and analysis provided through hyperlinks to third party websites, while believed to be accurate, cannot be guaranteed by SoFi. These links are provided for informational purposes and should not be viewed as an endorsement. No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this content.

SoFi isn't recommending and is not affiliated with the brands or companies displayed. Brands displayed neither endorse or sponsor this article. Third party trademarks and service marks referenced are property of their respective owners.

Finance is changing. Digital assets are moving into the mainstream, reshaping how we think about money, and bringing their features – speed, lower costs, and greater independence – to anyone with an internet connection.

Digital assets can operate outside traditional systems, giving users more direct control over their money – and by extension, their overall financial portfolio.

What Sets Crypto Apart

To think about how digital assets may fit with your broader financial goals, let’s consider what sets them apart.

•  Cryptocurrency exists entirely online and generally operates independently of a central bank or government. This can theoretically insulate it from monetary policy, interest rate changes, and inflation that affect the value of traditional currencies like the U.S. dollar.

•  The crypto market is highly speculative, largely unregulated and extremely volatile. Crypto prices are driven mainly by supply, demand, and investor sentiment, while stock prices tend to reflect company earnings, the economy, and business fundamentals. Digital assets also trade 24/7, while the New York Stock Exchange is open only six and a half hours on weekdays.

•  Crypto prices have historically shown relatively low correlation with traditional financial markets such as stocks (meaning they don’t tend to move in lockstep with the stock market), though the link has strengthened as crypto has moved further into the mainstream.

How to Think About Your Finances, Crypto and Stablecoin

Diversification is already a key investing principle: In short, it means avoiding putting all your eggs in one basket. The same idea applies when deciding whether crypto or stablecoins belong in your financial life. Rather than thinking of crypto as “all or nothing,” the real question is how much, if any, exposure makes sense for your goals and risk tolerance.

Your financial portfolio includes everything you own: Your checking and savings accounts, cash, credit cards, retirement savings, and investment accounts as well as physical assets like your car and home. If you add crypto, it becomes one more bucket.

But crypto comes with specific risks and considerations: Regulations are still evolving, much of the market remains unregulated, and price swings can be extreme. In October 2025, for example, Bitcoin, the most prominent digital currency, fell about 7% in a single day as markets reacted to news about tariffs and a government shutdown. (The S&P 500 declined far less – 2.7%.) The sharp drop triggered forced liquidations of leveraged trades, wiping out $20 billion in value.

For newcomers, this level of volatility means one thing: Start by deciding how much risk you’re willing to take, and limit your initial allocation to an amount that won’t derail your broader financial plan. Crypto may be more suitable for those who can afford to lose the allocated money in its entirety.

The high degree of volatility has also given rise to stablecoins – digital currencies pegged to traditional currencies like the U.S. dollar. Their potential for stability makes them useful for digital payments, cross-border transfers, and potential protection against local currency inflation or banking limits. For international payments and remittances, stablecoins may reduce costs and accelerate transfers. And for people in high-inflation economies, a stablecoin linked to a stronger currency may offer an alternative to local banking systems.

For U.S.-based consumers, the actionable takeaway is simpler: Stablecoins can provide a less volatile way to explore digital assets or to move money more efficiently. But they’re still part of the broader crypto ecosystem and should fit into your strategy – not replace it.

Getting Started

Getting started with digital assets can feel overwhelming, but a few rules of thumb can help:

•  Start small – you can always add to your allocation over time or set up regular purchases.

•  Research each asset carefully, considering reputation, real-world use cases, market performance, and supply.

•  Know your risk tolerance – market volatility can be a challenge for even the most seasoned investor.

•  Use a regulated, reputable platform to buy and sell.

•  And always remember, the value of digital assets is not guaranteed, and they are not insured by the Federal Deposit Insurance Corporation, meaning your crypto is not protected from losses.

SoFi is the first nationally chartered consumer bank where members can bank, borrow, invest — as well as buy, sell, and hold crypto – all in one place and on a platform they trust.

Please understand that this information provided is general in nature and shouldn’t be construed as a recommendation or solicitation of any products offered by SoFi’s affiliates and subsidiaries. In addition, this information is by no means meant to provide investment or financial advice, nor is it intended to serve as the basis for any investment decision or recommendation to buy or sell any asset. Keep in mind that investing involves risk, and past performance of an asset never guarantees future results or returns. It’s important for investors to consider their specific financial needs, goals, and risk profile before making an investment decision.

The information and analysis provided through hyperlinks to third party websites, while believed to be accurate, cannot be guaranteed by SoFi. These links are provided for informational purposes and should not be viewed as an endorsement. No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this content.

SoFi isn’t recommending and is not affiliated with the brands or companies displayed. Brands displayed neither endorse or sponsor this article. Third party trademarks and service marks referenced are property of their respective owners.