Eligible Participants:
• All new and existing SoFi members who (i) complete the required actions set forth below by 3/31/2026, and (ii) have a SoFi Checking and Savings account in good standing are eligible to earn $30 in Rewards Points. Eligibility will be determined by SoFi in its sole discretion. One offer per person.
Promotion Period:
• The SoFi Pay Worldwide Rollout Promotion (the “Promotion”) begins on 9/30/2025 at 12:01AM ET. Eligible participants will have until the promotion ends on 3/31/2026 at 11:59PM ET to make qualifying international remittances.
Offer Terms:
• To earn $30 in Rewards Points through this Promotion, an eligible participant must successfully: (i) have a SoFi Checking and Savings account in good standing, and (ii) make three (3) international remittance transfers by 3/31/2026 at 11:59pm ET. Not all countries may be available for international remittances.
Bonus Payment Timeline:
• Rewards points will be credited to your account within 45 days after all Promotion requirements have been met.
Other Important Details:
• SoFi reserves the right to exclude any member from participating in this Promotion for any reason, including suspected fraud, misuse, or other suspicious activities. SoFi also reserves the right to modify, suspend, or terminate the Promotion at any time.
• Bonuses are considered miscellaneous income, and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). SoFi is required to do this reporting in compliance with the applicable federal and state reporting requirements. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult with your tax advisor to determine applicable tax consequences.
• SoFi Member Rewards: All terms and conditions applicable to the use of SoFi Member Rewards apply. To learn more about SoFi Member Rewards, please see the Rewards page. No points will be earned with respect to reversed transactions, returned purchases, or other similar transactions. When you elect to redeem rewards points toward active SoFi accounts, including but not limited to, your SoFi Checking or Savings account, SoFi Money® account, SoFi Active Invest account, SoFi Automated Invest account, SoFi Credit Card account, SoFi Personal Loan, Private Student Loan, Student Loan Refinance, or toward SoFi Travel purchases, your rewards points will redeem at a rate of 1 cent per every point. Brokerage and Active investing products offered through SoFi Securities LLC, Member FINRA(www.finra.org)/SIPC(www.sipc.org). SoFi Securities LLC is an affiliate of SoFi Bank, N.A.
Interest Rates:
SoFi members can earn the following annual percentage yields (APY):
With Eligible Direct Deposit:
• Savings (including Vaults): 3.60% APY.
• Checking: 0.50% APY.
No minimum Direct Deposit amount is required to earn the 3.60% APY on savings.
Without Eligible Direct Deposit:
• Savings (including Vaults): 1.00% APY.
• Checking: 0.50% APY.
Other Rates Details:
• Rates are variable and are subject to change at any time.
• Rates are current as of 11/12/25.
• No minimum balance is required.
• Fees may reduce earnings.
• Additional information can be found at https://www.sofi.com/legal/banking-rate-sheet.