SoFi: Bank, Investing & Crypto

Open a mobile banking app that combines checking, savings, investing, and cryptocurrency in one place. SoFi: Bank, Investing & Crypto lets you manage your complete financial life without the complexity or fees of traditional banks.

Start with fee-free banking. Open a checking or savings account with no account, service, or maintenance fees and no minimum balance. Earn high APY on your savings, and if you opt into SoFi Plus membership, get 4.50% APY on up to $20,000. Use the mobile app to send money, transfer funds instantly between accounts, pay bills, and track spending. Get paid up to 2 days early with direct deposit, and organize your savings goals with dedicated Savings Vaults.

Build wealth through investing. Trade stocks and ETFs directly through the app, starting with fractional shares from just $5. Access index funds, ETFs, and options trading to grow your portfolio. SoFi Plus members earn a 1% match on eligible deposits into taxable investment accounts. Set up automated investing, open an IRA or Roth IRA for retirement planning, and get unlimited sessions with experienced financial planners included in your membership.

Own cryptocurrency with bank-level security. Buy, sell, and hold Bitcoin, Ethereum, Solana, and 25+ other cryptocurrencies on a platform backed by a nationally chartered bank. You get the trading capabilities you want with the fraud protection and encryption of a traditional financial institution.

Track and manage everything from your dashboard. Monitor your net worth, review your credit score, and analyze your spending across all your SoFi and linked accounts. Use the integrated budget tools to set savings goals, reduce debt, and build long-term wealth. Access your credit report anytime and use credit-building tools to strengthen your score.

If you need additional funds, explore personal loans for debt consolidation or large purchases. Check your rate in minutes without impacting your credit, and get pre-qualified for student loan refinancing options.

Your money is protected by bank-level encryption, fraud alerts, and instant notifications of suspicious activity. The financial support team is available 7 days a week. Download SoFi: Bank, Investing & Crypto and start managing your money all in one secure app.