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Earn up to 4.60% on checking and savings accounts with SoFi.* Get up to $1000 in stock when you fund an active Invest account.† --- WHY DO OVER 7.5 MILLION MEMBERS LOVE SOFI? --- • Earn more, save more, and make the most of your money with SoFi Plus • Track your money like a champion with SoFi Insights (formerly SoFi Relay) • Get paid up to 2 days early when you set up direct deposit** • Experience zero account fees and no fee overdraft coverage with SoFi Checking and Savings*** • Save automatically, set savings goals, and organize your money with SoFi Vaults and Roundups --- MORE WAYS TO INVEST ALL IN ONE PLACE --- • Active investing in stocks, ETFs, and more - without commission • Experience user-friendly options trading with no contract fees • You can invest in your favorite company with as little as $5 with SoFi Fractional Shares (restrictions apply) • Plan for retirement with SoFi’s IRAs and other investment products • Invest in upcoming IPOs before they hit the public market (if eligible)**** --- SOFI INSIGHTS HELPS YOU GET YOUR FINANCES IN ORDER --- • Connect all your accounts on one mobile dashboard • Monitor your credit score at no cost • Track your spending and manage your budget • Talk 1-on-1 with a financial planner to set personalized goals • SoFi can alert you of upcoming bills so you never miss a payment --- SIGN UP FOR A CREDIT CARD THAT BRINGS YOU MORE --- • Check your balance and pay your bills all within the SoFi app • SoFi keeps your personal information guarded against fraud • Make international purchases without any extra fees • Receive up to $1000 of complimentary cell phone insurance coverage^ • Earn unlimited 2% cash back rewards^^ Support: Call (855) 456-SOFI (7634) or chat with us online at https://www.sofi.com/contact-us/ Website: https://www.sofi.com/ Social: https://www.facebook.com/SoFi https://www.linkedin.com/company/sofi/ https://twitter.com/SoFi https://www.instagram.com/sofi/ *SoFi members with direct deposit can earn up to 4.60% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum direct deposit amount required to qualify for the 4.60% APY for savings. Members without direct deposit will earn up to 1.20% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 10/24/2023. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. †Customer must fund their Active Invest account with at least $10 within 30 days of opening the account. Probability of customer receiving $1,000 is 0.028%. See full terms and conditions. **Early access to direct deposit funds is based on the timing in which we receive notice of impending payment, which is typically up to two days before the scheduled payment date. ***Overdraft Coverage is limited to $50 on debit card purchases only and is available to customers with monthly direct deposits of $1,000 or more. Members with a prior history of non-repayment of negative balances are ineligible for Overdraft Coverage. ****Investing in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. For a comprehensive discussion of these risks please refer to SoFi Securities’ IPO Risk Disclosure Statement. ^This World Elite Mastercard® Benefit comes with $1,000 in yearly coverage ($800 max per claim, 2 claims per year) should your cell phone get stolen or need certain repairs. Simply pay for your cell phone bill with your World Elite Mastercard to activate coverage. See ‘Peace of Mind’ section in your guide to benefits https://www.mastercard.us/en-us/personal/find-a-card/world-elite-mastercard-credit.html for details or call 1-800-MASTERCARD. ^^See Rewards Details at sofi.com/card/rewards
User reviews affect conversion to installs and app rating. Featured and helpful reviews are the first to be noticed by users and in case of no response can affect download rate. This is why it is highly recommended to reply to them.
So, I am shifting all of my money away from my big name bank (after all, it seems a little archaic to be banking with a company that uses a horse-drawn carriage as their mascot). First, I will say that SoFi is not perfect. I have had to call their support several times through the setup process due to nuances in their systems, getting a joint account holder approved, ect. However, in my experience, the customer service is phenomenal. Thus, any of the issues that I have experienced has been taken care of swiftly and without compromise. Additionally, the benefit of having my banking (SoFi money), investing (SoFi Investing), and loan options all in one place is very useful. I am a medical student, so I hope to refinance my loans through SoFi once I go to residency. To summarize, SoFi is not perfect. It seems they are experiencing some growing pains. However, they have adequate staffing to face these growing pains. I will also say that they walk laps around the other banking companies out there (even some of the other “new” startups). Also, the app is clean cut and simple to use. I greatly appreciate SoFi!
I was hesitant to move my money to a bank just starting out, but after making the move, I was really glad that I did. The interest rates are way higher than what I had before (Wells Fargo). Moving money to the investing services is around 2 clicks. You just transfer money from your bank account to SoFi Invest and then choose the dollar amount that you want invested into SPY or any other popular stock or etf. I do wish that they allowed instant buying/selling of shares (like Robinhood, WeBull, etc) but trading isn’t really the point of SoFi, it’s for long term investments. The fractional shares do work as advertised and are really interesting. They also have money vaults that are way more convenient than having separate checking accounts. I did have to contact support once and they were very helpful and had no issues. The free ATMs really work as well. They instantly send you reimbursement for any ATM fees. The debit card works like a charm as well.
I have been using SoFi for about a month now, and I LOVE IT. Being able to see where my money is going, learning more about investing, and having a ton of tools to help me as I learn financial independence as a college student is really helping me to get smart about my money and spending. I do feel like there are a few more tools that could be added to improve the budgeting aspect of this app. For instance, a round-up tool that could round up the remaining change in your purchases, to go toward stock or savings would be extremely beneficial. I’d also love if there was a way to create little secondary pots of money for me to allocate toward certain bills, like a separate pot for rent or my phone bill that I could accumulate separate from my checking account, and then move over to my checking once the bill is due, to prevent over spending (perhaps even an auto-transfer). All in all, I understand that this app is still growing and fine tuning what is already presented, but I would love to see these additional features added!
I am giving this app 5stars because I do see how it can potentially be one of the best all-in-one financial app. However, I sadly am facing a very annoying issue with it and customer service has been less than great in dealing with this. The app has been showing me an error that reads “you’ve reached max attempts, try reconnecting banks on November 11, 2019” for the past month.. and I am not able to connect any funding sources. I basically see the potential yet it’s all useless to me so far. Customer service has been giving me answers like “hmmm... it’s weird.. send me a screenshot of the error and we’ll get back to you” and never follow-up. If this issue won’t get resolved in the upcoming 48 hours i’m closing the account and changing my stars rating.. If that can be resolved, I am happy to submit a fair review update because I truly want to love this app. Finally, PLEASE catch up with the 2019 must-have dark mode option!! Thank you.
I have been using this bank as a Christmas fund and not an everyday checking. I have put about $300 so far in about 2 1/2 months of having it and have almost gained $0.25! You will never see this in any other checking! Since I haven't used this for a normal checking, I haven’t fought with overdraft fees or any of that, but to watch my money grow as a Christmas fund is absolutely amazing and so much fun. This is better than a CD or mutual fund because there is no maturity date or anything of that sort to wait for, so I can pull the money out as I please. I have also talked to customer service and they have been very polite and willing so get all the answers I have asked about. I also havent run across anyone that seems to want to just push you off the phone and count you as another number. (Ex: I got 42 calls today. How many did you get?) This has been great in the almost 3 months and I have no complaints.
Developed by Social Finance, Inc.
SoFi - Banking and Investing is ranking in Finance & Business
Last update was at Apr 16, 2024and the current version is 2.198.
To see all other keys and revenue click here 1191985736
SoFi - Banking and Investing have a 343 262a user reviews.
