When are funds available to Invest?

If your funds were deposited using SoFi Checking and Savings, you will have instant funding availability up to $250,000 a day, and $1,000,000 per month.

Please note, although you get instant access to funds, the funds are placed on a five business day hold before they are available for withdrawal back to your bank.

If your funds were deposited using an external bank account, your instant funding limit amount is available to trade instantly. $100,000 limit is the standard maximum daily limit for external ACH transfers; this figure may be lower based on multiple factors like account activity and tenure.

*Any funds above your instant funding limit will be available to trade 3 business days post deposit. Under ‘Pending Deposits’, you will be able to see the remaining requested funds preparing for deposit.

*Eligibility requirements include:

1. Your external bank account must be linked, verified, and approved through our instant verification process.
2. Your external bank account must have a reported balance greater than or equal to your deposit.

To learn more about your Instant Funding Limit please refer to What is my SoFi Invest Instant Funding Limit?