SoFi Terms of Use

Charges & Financial Obligations · Procedure

You must confirm online transactions went through before relying on them

You must confirm any transaction attempted online, such as submitting information or a trade request, before relying on it being completed. It is your responsibility to check the status by reviewing your accounts or contacting SoFi Customer Support at 1-855-456-7634.

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You must confirm any transaction (such as a submission of information or a trade request) attempted online before relying on it being completed. It is your responsibility to verify the status of any attempted transaction by reviewing your accounts or contacting SoFi Customer Support at 1-855-456-7634.

Charges & Financial Obligations · Restriction or exception

SoFi may contact you even if it costs you money, and you pay your carrier's messaging charges

SoFi may use any means of communication to reach you, including phone, text and email, even if you will incur costs to receive the messages. You are responsible for all charges imposed by your communications service provider, including text messaging fees. Message frequency depends on your account status or settings. SoFi may modify or end its text messaging services at any time, for any reason, with or without notice, and without liability to you.

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SOFI MAY USE ANY MEANS OF COMMUNICATION TO REACH YOU EVEN IF YOU WILL INCUR COSTS TO RECEIVE SUCH MESSAGES, INCLUDING PHONE, TEXT, E-MAILS OR OTHER MEANS.

You are responsible for any and all charges, including but not limited to, fees associated with text messaging, imposed by your communications service provider.

Message frequency depends on account status or settings. We may modify or terminate our text messaging services from time to time, for any reason, and without notice, including the right to terminate text messaging with or without notice, without liability to you.

Charges & Financial Obligations · Restriction or exception

You are responsible for every financial decision you make on or based on the SoFi Site

You are responsible for all financial decisions you make on the SoFi Site or based on information you get there. SoFi offers its products and services on the express condition that you fully evaluate your own financial circumstances and the product terms and take full responsibility for your decisions. You agree to pursue a SoFi product or service only after deciding it is right for you.

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You are responsible for all financial decisions you make on the SoFi Site or based upon information you obtain on the SoFi Site.

SoFi’s products and services are offered to you upon the express condition that you will fully evaluate your own financial circumstances, the terms of the products and services, are fully responsible for your own financial decisions.

You agree to pursue a SoFi product or service only after you have determined it is right for you.

Charges & Financial Obligations · Context

Unless you sign an advisory agreement with SoFi Wealth, SoFi does not review whether products suit you

If you want financial guidance or advice, you may enter an advisory relationship with a financial advisor, including SoFi Wealth, LLC. Unless you have an advisory agreement with SoFi Wealth, you agree that SoFi has not reviewed your financial situation, does not try to understand your full financial situation, and will not try to select offers, products or services suitable for you. You must decide whether SoFi products are right for you, and before any financial decision you should consider getting information and advice from a certified financial advisor who knows your circumstances.

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In the event you would like to obtain financial guidance or advice, you may enter an advisory relationship with a financial advisor, including SoFi Wealth, LLC. Unless you have entered into an advisory agreement with SoFi Wealth, you agree that:

SoFi has NOT reviewed your financial situation, SoFi does not attempt to understand your full financial situation, and SoFi will not attempt to select offers, products, or services that are suitable for you.

You must make decisions about whether SoFi products are right for you.

Before making any financial decisions, you should always consider obtaining information and advice from a certified financial advisor who is aware of your individual circumstances.

Qualifications & exceptions

• This no-review statement does not apply if you have entered into an advisory agreement with SoFi Wealth.

Charges & Financial Obligations · Context

SoFi Invest is offered by SoFi Securities under its own agreement; investments are not FDIC insured

You can reach SoFi Invest through the SoFi Site and App. SoFi Invest is offered by SoFi Securities, LLC, and you must enter an additional customer agreement with SoFi Securities. All investments are not FDIC insured, are not bank guaranteed, and may lose value.

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SoFi Invest is offered by SoFi Securities, LLC, and you must enter an additional customer agreement with SoFi Securities, LLC.

ALL INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE.

Not stated here

• The SoFi Securities customer agreement is not supplied.

Charges & Financial Obligations · Procedure

Chatting with the AI Coach never places a trade; only confirming SoFi Securities' order card does

SoFi Coach is an AI-enabled tool provided by Social Finance, LLC. When it says "I" or "me" it means Coach, not SoFi Securities LLC or a human financial professional. After you ask for a specific transaction, Coach can show an investment order card provided by SoFi Securities. A prompt or a Coach response is not an order and does not authorize a trade; only your affirmative confirmation of the exact terms shown in SoFi Securities' separate order-review card authorizes submitting your self-directed order. AI-generated investment content outside the order card is not provided or endorsed by SoFi Securities and is not its recommendation. Brokerage orders are governed by the SoFi Securities Customer Agreement.

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SoFi Coach is an AI-enabled tool provided by Social Finance, LLC. Coach may use first-person language, including “I” or “me,” in its responses. Those references refer to Coach and not to SoFi Securities LLC or a human financial professional.

A prompt or Coach response is not an order and does not authorize a trade. SoFi Securities LLC provides the separate order-review card, and only your affirmative confirmation of the exact terms displayed in that card authorizes submission of your self-directed order.

AI-generated investment content outside the order card is not provided or endorsed by SoFi Securities and is not a SoFi Securities recommendation. Brokerage orders are governed by the SoFi Securities Customer Agreement.

Qualifications & exceptions

• Orders submitted this way are described as self-directed.
• AI content outside the order card is not a SoFi Securities recommendation.

Not stated here

• The SoFi Securities Customer Agreement that governs brokerage orders is not supplied.

Charges & Financial Obligations · Restriction or exception

SoFi is not liable for unauthorized payments made with your passcode before you notify it and it can act

SoFi will have no liability to you for any unauthorized payment or transfer made with your passcode that happens before you have told SoFi of possible unauthorized use and SoFi has had a reasonable opportunity to act on that notice. SoFi may suspend or cancel your passcode even without notice from you if it suspects the passcode is being used in an unauthorized or fraudulent way.

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SoFi will have no liability to you for any unauthorized payment or transfer made using your passcode that occurs before you have notified us of possible unauthorized use and we have had a reasonable opportunity to act on that notice.

SoFi may suspend or cancel your passcode even without receiving such notice from you, if we suspect your passcode is being used in an unauthorized or fraudulent manner.

Qualifications & exceptions

• The no-liability period ends only after you notify SoFi and SoFi has had a reasonable opportunity to act.

Not stated here

• Whether separate deposit, card or brokerage account agreements give different protection for unauthorized transfers is not stated in this source.

Charges & Financial Obligations · Context

SoFi Coach organizes your finances but gives no financial, investment, tax or retirement advice

SoFi Coach (formerly "SoFi Relay") offers financial insights and tools to view, aggregate and manage information from accounts at SoFi and accounts you connect from other institutions. If you connect an external account in Coach, you authorize SoFi to obtain and use its information as described in the Connected Accounts terms. Coach is meant only for organizational and informational services; it is not meant to provide financial planning, investment, tax or retirement planning services or advice. SoFi does not review your account information to give you advice and does not judge whether any transaction suits you. If you use Coach, you are fully and solely responsible for your accounts, and SoFi's only role is to present and use information for you to review.

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SoFi Coach – Personalized financial chat, insights, tracking, and tools. (Coach was formerly titled “SoFi Relay”)

If you elect to connect an external account in SoFi Coach, you authorize SoFi to obtain information from the Connected Account external account and use it as described above in the section (“Connected Accounts”).

SoFi Coach tools are intended to only provide organizational and informational services regarding your finances. The SoFi Coach tools and services are not intended to provide any financial planning, investment, tax, or retirement planning services or advice. SoFi does NOT undertake any review of your account information to provide you with any advice or guidance. SoFi does not make any determination about the suitability or appropriateness of any transactions you might undertake at SoFi or elsewhere.

If you elect to use SoFi Coach, you are fully and solely responsible for your accounts and agree SoFi’s only role is to present and use information for you to review.

Charges & Financial Obligations · Restriction or exception

Coach's AI answers may be wrong; verify them and do not base financial decisions on them alone

SoFi Coach responses may be generated by artificial intelligence, and a live support agent may be available if you need customer support. AI-generated responses may be incorrect, incomplete or inconsistent with your account information. You agree to verify important details, not to rely on Coach for financial, legal, investment, tax or other professional advice, not to treat its suggestions as advice or recommendations, and not to make financial decisions based solely on its responses.

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Responses may be generated by artificial intelligence (“AI”). If you require customer support, a live support agent may be available.

AI-generated responses may be incorrect, incomplete, or inconsistent with information available in your account. You agree to verify important details and not rely on SoFi Coach for financial, legal, investment, tax, or other professional advice. SoFi Coach suggestions should not be treated as advice or recommendations, and you agree to not make any financial decisions based solely on SoFi Coach responses.

Charges & Financial Obligations · Context

The score is for your education, comes from one agency, and simulations guarantee nothing

The credit score SoFi presents is for your own use and education. It comes from a single credit reporting agency and may differ from the credit information other institutions, lenders or creditors use. Any simulations or hypothetical estimates of score changes are educational only and do not guarantee any outcome.

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The credit score obtained by SoFi and presented to you is for your own use and for your education.

The credit score is obtained from a single credit reporting agency and may be different from the credit reporting information used by other institutions or lenders or creditors.

If SoFi provides any simulations or hypothetical estimates of credit score changes, these are for educational purposes only and are not a guarantee of any outcome.

Charges & Financial Obligations · User right or choice

You can get your credit report free without SoFi at AnnualCreditReport.com

You can obtain your own credit report without using SoFi. You have the right to a free credit report from AnnualCreditReport.com or by calling (877) 322-8228.

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You may obtain your own credit report without using SoFi. You have the right to a free credit report from the website AnnualCreditReport.com or by calling (877)322-8228.

Charges & Financial Obligations · Context

SoFi is not a credit bureau or credit repair company, and its credit tips are not advice

SoFi is not a credit reporting agency or a credit repair company and does not and will not do any credit repair for you. Any suggestions SoFi gives for improving credit scores, or simulations of your score based on assumptions, are for your education and consideration and are not intended as financial advice.

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SoFi is not a credit reporting agency or a credit repair company. SoFi does not and will not undertake any credit repair on your behalf. To the extent SoFi offers you any suggestions regarding improving credit scores or any simulation of your score based upon assumptions, such information is for your education and consideration, and is not intended to be financial advice.

Charges & Financial Obligations · Context

For employer student-loan contributions, SoFi only helps deliver your loan information

If you use SoFi to receive contributions from your employer, your employer has engaged SoFi to help it obtain information to contribute to your student loan account. The contribution is made by your employer to you; SoFi's role is only to help you deliver your loan information to your employer.

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f you are using SoFi to receive contributions from your Employer, you agree to the following terms:

Your employer has engaged SoFi to assist your employer obtain information to make a contribution to your student loan account. The contribution is made by your employer to you. SoFi’s role is only to assist you in delivering your loan information to your employer.

Charges & Financial Obligations · Restriction or exception

You may enroll only qualified education loans you attest to, and no delinquent loans unless told to

You agree to enroll only student loans that are Qualified Education Loans as defined by the IRS in Internal Revenue Code Section 221(d). By enrolling a loan, you attest that it was used only for, and did not exceed, the cost of attendance; was at an approved Title IV school; that you attended at least half time; and that it was for your or your dependent's cost of attendance. You will not enroll a delinquent loan unless your employer directs you to.

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You agree to enroll only student loans that are Qualified Education Loans as defined by the IRS in the Internal Revenue Code Section 221(d)).

By enrolling a loan, you attest that the loan was: (a) used solely and only for the cost of attendance and did not exceed the cost of attendance, (b) at an approved Title IV school, (c) that you attended at least half time, and (d) that the loan was for you or your dependent’s cost of attendance.

You will not enroll a delinquent loan unless directed to do so by your employer.

Qualifications & exceptions

• Delinquent loans may be enrolled only if your employer directs it.

Not stated here

• The Internal Revenue Code definition is an external law cited by section number and is not supplied.

Charges & Financial Obligations · Procedure

Employer contributions do not replace your minimum payment, and you must verify they arrive correctly

Your employer's contribution does not reduce your monthly minimum loan payment; it is an additional payment meant to help pay off the loan, and you must keep making your required minimum payment or confirm the amount due. You are responsible for confirming with your lender the amount contributed, checking that contributions are received correctly, and making sure your employer contributes the correct amount; SoFi is not responsible for verifying that you receive the correct amount. You must notify SoFi or your employer immediately if you notice or have reason to believe funds were not delivered correctly to your external accounts.

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Your employer’s contribution does not reduce your monthly minimum loan payment and is an additional payment intended to help you pay off your loan. You must continue to make your required minimum monthly payment or confirm the amount due.

You are responsible for confirming the amount contributed to your loan through your lender. You agree to check your loan account to confirm your employer’s contributions are correctly received.

You are responsible for assuring your employer contributes the correct amount to your loan. SoFi is not responsible for verifying that you receive the correct contribution amount.

You must notify SoFi or your employer immediately if you notice or have reason to believe funds are not delivered correctly to your external accounts.

Charges & Financial Obligations · Context

Through AtWork, SoFi is not your fiduciary and provides no retirement or employment benefits

By making AtWork services available to you, SoFi is not a fiduciary to you, and SoFi is not providing any retirement benefits or employment benefits.

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By making services available to you, SoFi is NOT a fiduciary to you. SoFi is not providing any retirement benefits or any employment benefits.

Charges & Financial Obligations · Context

Marketplace (Lantern) shows loan information from other lenders and is provided by SoFi Lending Corp.

SoFi's Marketplace Services, sometimes branded "Lantern", let you get information about loans and loan-related products from other financial services companies or lenders. All Marketplace services are provided by SoFi Lending Corp. (SLC) or an SLC affiliate; SLC's licenses are listed on SoFi's Licensing page.

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Customer Agreement for SoFi’s Lantern / Marketplace Services

SoFi offers users the opportunity to obtain information about loans and loan-related products from other financial services companies or lenders. In this Agreement we refer to this service as Marketplace Services, even though in some places we may brand it as “Lantern.”

All SoFi Marketplace services are provided to you by SoFi Lending Corp. (SLC) or an SLC affiliate.

Not stated here

• The Licensing page is linked but not supplied.

Charges & Financial Obligations · Context

In the Marketplace, SoFi markets for lenders, is not a loan broker and plays no part in loan decisions

When you use the Marketplace, SoFi is providing a marketing service to the Participating Lenders by presenting their information to you. SoFi does not review your information for loan eligibility, takes no part in any loan decision, and is not a loan broker. It is a venue to connect you with lenders, and it only shows lenders that agree to promote their products through SoFi.

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When you use SoFi’s Marketplace, SoFi is providing a marketing service to the Participating Lenders to present information to you. SoFi is not involved in reviewing your information for eligibility for a loan or in any decision, and SoFi is not a loan broker.

SoFi is a venue for you to connect with lenders for potential products they offer, and we only present information of lenders who agree to promote their products through SoFi.

Qualifications & exceptions

• Only lenders who agree to promote through SoFi are shown, so the Marketplace is not a complete view of available lenders.

Charges & Financial Obligations · Company practice

Lenders pay SoFi Marketplace fees, which may affect which lenders you see and how they are shown

SoFi is paid a marketing fee by lenders and/or by MoneyLion or Quinstreet, which manage the lender network. The fee may be triggered by events such as connecting with a lender or obtaining a loan, and can be a percentage of any loan you get. SoFi's compensation from a lender may affect which lenders SoFi selects to participate and how lender information is presented to you.

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SoFi will be paid a marketing fee from lenders and/or from MoneyLion or Quinstreet who manage the lender network. The fee to SoFi may be paid based on various events, including when you connect with the lender and when you obtain a loan, including as a percentage of any loan you obtain.

SoFi’s compensation from the lender may affect SoFi’s selection of lenders to participate and the presentation of lender information to you.

Charges & Financial Obligations · Context

Referral Programs, last updated January 23, 2026, bind referrers to the Official Rules and program terms

The Referral Program terms (last updated January 23, 2026) cover the referral and account-opening promotional programs currently offered by Social Finance, LLC and its affiliates ("Referral Programs"). If you, as the "Referrer", take part in any Referral Program, you agree to the Official Rules, which apply to all Referral Programs, and to each program's own terms.

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SoFi’s Referral Program

Last Updated: Jan 23, 2026

The following describes the terms of service which apply to participation in the referral or account opening promotional programs (collectively, the “Referral Programs”) currently offered by Social Finance, LLC (“SoFi”) and its affiliates. If you (the “Referrer”) wish to participate in any Referral Program described below, you agree to the Official Rules, which apply to all Referral Programs, and to the terms for each Referral Program Terms described below.

Charges & Financial Obligations · Restriction or exception

One referral reward and welcome bonus per new customer per product, with a loan-product exception

A person you refer must use your specific product referral link under that campaign's terms; you have separate links for (1) personal and student loans, (2) checking and savings, (3) Invest products, and (4) Credit Score Monitoring. Only one referral reward and one welcome bonus are paid per new customer per product if the campaign rules are met. You will not get multiple referral bonuses for the same person using multiple promotions, and referred people will not get multiple welcome bonuses, except for new closed-end unsecured installment loans: you get an additional referral bonus when the same person funds a new personal loan, student loan refinance or private student loan through that product's referral link and has not previously had that type of loan. Employees of Social Finance, LLC and its affiliates cannot receive referral bonuses.

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Please note that any person whom you’d like to refer must use your specific product referral link in accordance with the terms and conditions associated with the specific promotional campaign for that link.

Only one referral reward and one welcome bonus per new customer per product if the promotional campaign rules are met, with the exception of referrals for new closed end unsecured installment loans.

You will receive an additional referral bonus for the same person funding a new personal loan, new student loan refinance or new private student loan, provided the person applies through the specific product’s referral link and has not previously obtained that type of closed end unsecured lending product.

Employees of Social Finance, LLC and its affiliates are not eligible to receive referral bonuses under the Referral Programs.

Qualifications & exceptions

• The multiple-bonus exception applies only to new closed-end unsecured installment loans the referred person has not had before, applied for through that product's referral link.

Charges & Financial Obligations · Permission or license

SoFi may investigate and disqualify referrers and refuse referrals it judges improperly solicited

SoFi may review, investigate and disqualify anyone from the SoFi Referral Program at any time, and may refuse to honor any referral that, in its sole discretion, was solicited in a way inconsistent with the spirit or terms of the program.

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SoFi reserves the right to review, investigate, and disqualify anyone from participation in the SoFi Referral Program at any time, and reserves the right to not honor any referral which in our sole discretion was solicited in a manner inconsistent with the spirit or terms and conditions of the SoFi Referral Program.

Charges & Financial Obligations · Permission or license

SoFi may claw back referral bonuses from rule-breakers, which can leave the account negative

SoFi may seek reimbursement of Referral Bonuses paid to customers who violate the referral program terms. In some circumstances, deducting those amounts from the customer's account may result in a negative balance.

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Furthermore, SoFi reserves the right to seek reimbursement from any customer of amounts paid as Referral Bonuses to customers who violate the terms and conditions of the referral program. Please note that in certain circumstances the deduction of such amounts from their account may result in a negative balance.

Qualifications & exceptions

• Reimbursement applies to customers who violate the referral program terms.

Charges & Financial Obligations · Restriction or exception

P2P transfers and reward proceeds do not count as funding for referral bonus eligibility

Where account funding is required to qualify for a referral bonus, peer-to-peer (P2P) transfers and proceeds of a reward, promotion or similar program are not eligible funding methods.

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If account funding is required to meet referral bonus payout eligibility, P2P transfers or proceeds of a reward, promotion or similar program are not eligible methods of funding.

Charges & Financial Obligations · Restriction or exception

Referral and welcome bonuses are capped at $10,000 per person per calendar year

No one may receive more than $10,000 in cumulative referral or welcome bonuses under the Referral Programs in any calendar year. SoFi may also limit, at any time, how many times a referral link can be used.

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Referral Cap

In no event will any person be entitled to receive more than $10,000 in cumulative referrals or welcome bonuses under these Referral Programs within any calendar year. In addition, SoFi reserves the right to, at any time, limit the maximum number of times a Referral Link can be used.

Charges & Financial Obligations · Context

Referral and welcome bonuses are taxable miscellaneous income that SoFi may report to the IRS

Referral Bonuses and Welcome Bonuses are each considered miscellaneous income and may be reported to the IRS on Form 1099-MISC (or Form 1042-S, if applicable); SoFi says it is required to report under federal and state requirements. The recipient is responsible for any federal, state or local taxes on the bonus and should consult a tax advisor.

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Tax Considerations

Referral Bonuses and Welcome Bonuses are each 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.

Charges & Financial Obligations · Restriction or exception

Referrers are independent contractors; SoFi may require a W-9 and unclaimed bonuses expire after 180 days

You take part in a Referral Program solely as an independent contractor; neither you nor SoFi intends an employment relationship, and you get no benefits. SoFi may require a completed Form W-9 before paying any referral or welcome bonus. Payments not claimed within 180 days of being made available, because the direct deposit account or required tax information was not provided, may be forfeited.

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Independent Contractor

Your participation in a Referral Program is solely as an independent contractor. Neither you nor SoFi intend to establish an employment relationship, and you are not entitled to any benefits. We may require completion of a Form W-9 prior to payment of any referral or welcome bonus.

Any payments that are not claimed within 180 days of the date the funds have been made available because either the direct deposit bank account or required tax information have not been provided are subject to forfeit.

Qualifications & exceptions

• Forfeiture applies when the payment goes unclaimed for 180 days because deposit account or tax information was not provided.

Charges & Financial Obligations · Permission or license

These Referral Programs replace earlier ones, and SoFi may change or end them anytime without notice

The Referral Programs described here replace all earlier versions of SoFi's referral programs. SoFi may temporarily or permanently modify or discontinue the Referral Programs at any time, for any reason, in its sole discretion and without notice to you.

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Discontinuation of Previous Referral Program

The Referral Programs described herein replace all earlier versions of such SoFi referral programs. SoFi reserves the right to temporarily, or permanently modify or discontinue the Referral Programs at any time, for any reason, at our sole discretion and without notice to you.

Charges & Financial Obligations · Restriction or exception

SoFi Bank's Loan Referral Program is open to registered consumers outside Vermont, not SoFi employees

The Loan Referral Program is SoFi Bank, N.A.'s program, governed by its own terms and the Official Rules. It is open to any consumer who registers on SoFi's website and lives outside Vermont ("Eligible Loan Referrers"). Employees of Social Finance, LLC and its affiliates cannot receive Loan Referral Bonuses.

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Program terms:

Loan Referral Program

The terms below and those set forth in the Official Rules govern your participation in SoFi Bank, N.A.’s (“SoFi Bank“) Loan Referral Program (the “Loan Referral Program“) described below. The Loan Referral Program is open to any consumer who registers on SoFi’s website and who resides outside of the state of Vermont (the “Eligible Loan Referrer(s)“). Employees of Social Finance, LLC and its affiliates are not eligible to receive Loan Referral Bonuses under the Loan Referral Program.

Charges & Financial Obligations · Restriction or exception

Loan referral bonuses apply only to campaign student and personal loans; violators get nothing

Eligible Loan Referrers may refer people they believe may be interested in applying for a student loan or personal loan product described in a specific promotional campaign ("Eligible Loans"). No Loan Referral Bonus is paid for referrals for any other SoFi Bank loan product. SoFi Bank may disqualify anyone from the Loan Referral Program at any time, and anyone who violates these terms is ineligible for any bonus.

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Eligible Loan Referrers are limited to refer friends, colleagues, family members, and other people they (collectively, the “Eligible Loan Recipient(s)“) believe may be interested in applying for a student loan or personal loan product as described in a specific promotional campaign (collectively, the “Eligible Loan(s)“).

SoFi Bank reserves the right to disqualify anyone from participating in the Loan Referral Program at any time. The Eligible Loan Referrers will NOT receive a Loan Referral Bonus for referrals for any other SoFi Bank loan products. Anyone who violates these terms and conditions is ineligible for payment of any bonus.

Charges & Financial Obligations · Procedure

A referred borrower must use your link and finish the campaign requirements within 120 days

To earn credit for a loan referral, you must send your unique referral link to the person, who must use it and complete all specified promotional requirements within 120 days after receiving it, and must meet the terms of the specific campaign tied to that link.

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To receive credit for a referral under the Loan Referral Program, Eligible Loan Referrers must send their unique referral link to an Eligible Loan Recipient, the Eligible Loan Recipient must use their Eligible Loan Referrer’s unique referral link and complete all specified promotional requirements, within 120 days after receipt of the Eligible Loan Referrer’s unique referral link, and the Eligible Loan Recipient must meet the terms and conditions of the specific promotional campaign associated with the unique referral link that was used for the referral.

Charges & Financial Obligations · Restriction or exception

Personal-loan welcome bonuses need 90 days in good standing; student-loan bonuses pay after 60 days, max 5

For a SoFi Personal Loan, the referred borrower gets the Loan Welcome Bonus only if the loan is still active and in good standing 90 days after disbursement: open, not paid off, current on all payments, with no defaults or violations. For Private Student Loan referrals, both people receive their bonus 60 days after the first loan disbursement; a referrer can earn at most 5 referral bonuses for that product, and no payments are made if the referrer works for a qualified educational institution.

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Further, in order for the Eligible Loan Recipient to receive their Loan Welcome bonus for a SoFi Personal Loan, the loan must still be an active loan in good standing ninety (90) days after the disbursement date, meaning the account remains open and hasn’t been paid off, and the borrower is current on all payments with no defaults or violations of the loan terms.

For Private Student Loan referrals, the Eligible Loan Recipient and Eligible Loan Referrer will receive their bonus sixty (60) days after their first loan disbursement, and the Eligible Loan Referrer is eligible for a maximum of 5 total referral bonuses for the Private Student Loan product. Further, for referrals for the Private Student Loan product no payments will be made if the Eligible Loan Referrer is employed by a qualified educational institution.

Qualifications & exceptions

• Private Student Loan referral bonuses are not paid to referrers employed by a qualified educational institution.

Charges & Financial Obligations · Restriction or exception

Loan bonuses go into SoFi Bank accounts, one per loan type, with Vermont and repeat-borrower exclusions

If the referred person uses your link and meets the campaign terms, SoFi Bank or its designee pays you a Loan Referral Bonus, and the referred person a Loan Welcome Bonus, into a SoFi Bank Checking or Savings account, in the amounts the campaign specifies. Only one of each bonus is paid per referred person per loan type, even if they take out several Eligible Loans. No Loan Referral Bonus is paid to referrers who live in Vermont or for loans to Vermont residents. You also earn no bonus if the referred person has or had a funded SoFi loan of the same type, or does not use your link.

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SoFi Bank or its designee shall pay to (a) the Eligible Loan Referrer, a referral bonus into a SoFi Bank Checking or Savings account in the amount specified in the promotional campaign associated with the unique referral link that was used for the referral (the “Loan Referral Bonus“); and (b) the Eligible Loan Recipient, a welcome bonus into a SoFi Bank Checking or Savings account in the amount specified in the promotional campaign associated with the unique referral link that was used for the referral (the “Loan Welcome Bonus“).

Only one Loan Referral Bonus and one Loan Welcome Bonus will be awarded for each referred Eligible Loan Recipient, per loan type, regardless of whether the Eligible Loan Recipient takes out multiple Eligible Loans.

(1) no Loan Referral Bonus will be paid to otherwise Eligible Loan Referrers who are residents of Vermont, and (2) no Loan Referral Bonus will be paid for otherwise funded loans made to Vermont residents.

An Eligible Loan Referrer will not earn a Loan Referral Bonus if the Eligible Loan Recipient has or had a funded SoFi loan account of the same type, or if the Eligible Loan Recipient does not use the unique referral link provided by the Eligible Loan Referrer.

Qualifications & exceptions

• Bonuses are paid into a SoFi Bank Checking or Savings account.

Charges & Financial Obligations · Restriction or exception

$1,000 medical and dental refinance referral bonus requires funding, 90 days in good standing and a SoFi account

Under the $1,000 Medical and Dental Referral Offer, all referral program terms apply; the offer is subject to lender approval, unavailable to Vermont residents, open only to new medical or dental Student Loan Refinance borrowers, and cannot be combined with other offers except the autopay discount. For the referrer and referee each to get $1,000, the referee must apply through the referral link, meet SoFi's underwriting criteria, fund the loan, and have or apply for SoFi Checking and Savings or have a SoFi Money account. After disbursement, the loan must stay active and in good standing for 90 days (open, not paid off, current, no defaults); both bonuses are then deposited within 30 calendar days. Bonuses not redeemed within 180 calendar days may be forfeited. Bonuses of $600 or more in a calendar year are reported to the IRS on Form 1099-MISC, and the recipient owes any taxes. SoFi may change or end the offer at any time, with or without notice.

Supporting quotations

$1,000 Medical and Dental Referral Offer: All referral program terms and conditions apply. Offer is subject to lender approval and not available to residents of Vermont. The offer is only open to new medical or dental Student Loan Refinance borrowers and may not be combined with other offers aside from the autopay discount.

For both the Eligible Loan Referrer and Eligible Loan Recipient to each receive a $1,000 bonus, the referee must: (1) register and apply for a medical or dental student loan refinance through the referral link provided; (2) meet SoFi’s underwriting criteria; (3) fund a loan with SoFi; and (4) have or apply for a SoFi Checking and Savings or have a SoFi Money account to receive the bonus.

Once conditions are met and the loan has been disbursed, the loan must remain active and in good standing for ninety (90) days, meaning the account remains open, hasn’t been paid off, and the borrower is current on all payments with no defaults. Following this 90-day period, both the referrer and referee welcome bonus will be deposited into their respective SoFi Checking and Savings or Money account within 30 calendar days.

Bonuses that are not redeemed within 180 calendar days of the date they were made available to the recipient may be subject to forfeit. Bonus amounts of $600 or greater in a single calendar year will be reported to the Internal Revenue Service (IRS) as miscellaneous income to the recipient on Form 1099-MISC in the year received as required by applicable law.

SoFi reserves the right to change or terminate the offer at any time with or without notice.

Qualifications & exceptions

• Not available to Vermont residents; only new medical or dental Student Loan Refinance borrowers qualify.

Charges & Financial Obligations · Restriction or exception

To refer for SoFi Invest you need a funded Invest account in good standing; employees are excluded

The SoFi Invest Referral Program lets eligible members refer others to open a new SoFi Invest Self-Directed Invest Account offered by SoFi Securities LLC. To be an Eligible Invest Referrer you must have a Self-Directed Invest Account with SoFi Securities LLC or an Automated Invest account with SoFi Wealth LLC that is funded and in good standing (not suspended). Employees of Social Finance, LLC and its affiliates cannot receive Invest referral bonuses.

Supporting quotations

Invest Referral Program

The SoFi Invest Referral Program (the “Invest Referral Program”) allows eligible members to refer others to open a new SoFi Invest Self-Directed Invest Account offered by SoFi Securities LLC.

To qualify as an Eligible Invest Referrer, you must have a SoFi Invest Self-Directed Invest Account offered by SoFi Securities LLC or an Automated Invest account offered by SoFi Wealth LLC that is funded and in good standing (i.e., not suspended). Employees of Social Finance, LLC and its affiliates are not eligible to receive referral bonuses under the Invest Referral Program.

Charges & Financial Obligations · Restriction or exception

Invest referral bonuses are paid only for new Self-Directed accounts, not Automated Invest or IRAs

You share your unique referral link with the person you want to refer. You get a referral bonus only if that person opens a new SoFi Invest Self-Directed Invest Account; referrals to open an Automated Invest Account or a Self-Directed IRA Account do not earn bonuses. SoFi Securities LLC or its designee may disqualify anyone from the Invest Referral Program at any time.

Supporting quotations

Eligible Invest Referrers will not receive a referral bonus unless the referred individual opens a new SoFi Invest Self-Directed Invest Account. Referral bonuses are not available for referrals to open a SoFi Invest Automated Invest Account or a SoFi Invest Self-Directed IRA Account.

SoFi Securities LLC, or its designee (collectively, “SoFi Securities”), reserves the right to disqualify anyone from participation in the Invest Referral Program at any time.

Under the Invest Referral Program, Eligible Invest Referrers must share their unique referral link with an Eligible Invest Recipient they wish to refer.

Charges & Financial Obligations · Procedure

Invest referral pays the referrer $50 cash and the new investor $25 in stock after a $25 deposit within 90 days

To earn the bonuses, the referred person must open a new Self-Directed Invest Account through your unique link within 90 days of clicking it, fund it with at least $25, and meet any extra terms of the specific campaign. When those conditions are met, SoFi Securities LLC credits your Invest account with a $50 cash bonus ("Invest Referral Bonus") and credits the new account with a $25 stock bonus ("Invest Welcome Bonus").

Supporting quotations

To earn bonuses, the Eligible Invest Recipient must:

(1) open a new SoFi Invest Self-Directed Invest Account using the Eligible Invest Referrer’s unique referral link within 90 days of clicking the referral link;

(2) fund the new account with a minimum deposit of $25.00; and

(3) meet any additional terms and conditions that may apply to a specific promotional campaign associated with the referral link.

When these conditions are met, SoFi Securities LLC will:

(a) credit the Eligible Invest Referrer’s Invest account with a $50 cash bonus (the “Invest Referral Bonus”); and

(b) credit the new SoFi Invest Self-Directed Invest Account of the Eligible Invest Recipient with a $25 stock bonus (the “Invest Welcome Bonus”).

Charges & Financial Obligations · Restriction or exception

One Invest bonus pair per referral, none for past Invest customers, and you must have consent to send links

Only one $50 cash bonus and one $25 stock bonus are awarded per referred person. You do not earn the $50 bonus if the referred person has or had a funded SoFi Invest account, did not use your link, or is on an opt-out list. SoFi cannot tell you anything about Invest accounts opened by people you refer. By sending a referral link, you agree you have the recipient's express consent to send promotional messages about SoFi's products and services.

Supporting quotations

Only one $50 cash bonus and one $25 stock bonus will be awarded for each referred Eligible Invest Recipient. An Eligible Invest Referrer will not earn the $50 cash bonus if the Eligible Invest Recipient has or previously had a funded SoFi Invest account, does not use the unique referral link provided by the Eligible Invest Referrer, or is on an opt-out list.

We cannot disclose to you any information about new SoFi Invest Self-Directed Invest Accounts opened by any Eligible Invest Recipients you refer. By sending a referral link, you agree that you have express consent to send the recipient promotional messages about SoFi’s products and services.

Charges & Financial Obligations · Context

Bank Referral pays the referrer $75 or $100 and the new member $25, plus $25 each if they join SoFi Plus

The SoFi Bank Referral Program promotion provides a Standard Bonus for each qualifying referral, $75 or $100 for the Eligible Bank Referrer and $25 for the Eligible Recipient as set out in the Standard Bonus section, plus a SoFi Plus Additional Bonus of $25 for each party if the recipient also subscribes to SoFi Plus within the required timeframe. SoFi Plus benefits, pricing and terms are described at sofi.com/sofi-plus.

Supporting quotations

Bank Referral Program

The following terms and conditions govern your participation in the SoFi Bank Referral Program ("Bank Referral Program") during the Promotion Period (as defined below). The Promotion provides:

A Standard Bonus for each qualifying referral. The Standard Bonus amount differs for the Eligible Bank Referrer ($75 or $100) and the Eligible Recipient ($25), as described in the "Standard Bonus" section below; and

A SoFi Plus Additional Bonus ($25 for each party) if the Eligible Recipient also subscribes to SoFi Plus within the required timeframe described below.

For additional information about SoFi Plus membership benefits, pricing, and terms, please visit

Not stated here

• The SoFi Plus page linked for pricing and terms is not supplied.

Charges & Financial Obligations · Restriction or exception

The Bank Referral promotion runs October 1-21, 2026 and may change or end at any time

The Bank Referral promotion runs from October 1, 2026 at 12:00 a.m. ET to October 21, 2026 at 11:59 p.m. ET. It is a limited-time offer that may change or expire at any time, and only referrals that complete all required activities during the Promotion Period qualify.

Supporting quotations

Promotion Period

October 1, 2026 at 12:00 a.m. E.T. – October 21, 2026 at 11:59 p.m. E.T.

This is a limited-time offer from SoFi and is subject to change or expire at any time. Only referrals that satisfy all required activities during the Promotion Period will qualify for this Promotion.

Charges & Financial Obligations · Restriction or exception

Bank referrers must share their link during the promotion and hold a SoFi Checking and Savings account at payout

To earn any bonus under the Bank Referral promotion, including the SoFi Plus Additional Bonus, a referrer must share their unique referral link during the Promotion Period and have an existing SoFi Checking and Savings account in good standing when the referral bonus is paid.

Supporting quotations

Eligible Bank Referrer Requirements

To be eligible for a referral bonus under this Promotion (including both the Standard Bonus and the SoFi Plus Additional Bonus), a referrer (an "Eligible Bank Referrer") must:

Share their unique referral link during the Promotion Period; and

Have an existing SoFi Checking and Savings account in good standing at the time of their referral bonus payment.

Charges & Financial Obligations · Restriction or exception

New members must open Checking and Savings first via the link and deposit $50 within 25 days, excluding P2P

For the Standard Bonus, the referred person must apply for and open a SoFi Checking and Savings account before the Promotion Period ends, as their first SoFi product, through the friend's referral link (people who applied for but never opened or enrolled in another SoFi product remain eligible). They must also make deposits totaling $50 or more initiated during the 25 calendar days starting the day after they register or log in through the link, ending at 11:59 p.m. ET on the 25th day. Qualifying deposits are ACH transfers from a linked bank account, direct deposit, instant funding from a debit card (if available), cash deposit, mobile check deposit (if available) or wire transfer. Peer-to-peer transfers (such as Venmo, PayPal, Apple Cash, Cash App or Zelle) and instant transfers through the FedNow Service do not count toward the $50.

Supporting quotations

Eligible Recipient Requirements

To be eligible for the Standard Bonus, an Eligible Recipient must:

Apply and successfully open a SoFi Checking and Savings account prior to the end of the Promotion Period as their first SoFi product by opening the referral link from their friend (individuals who have previously applied for but did not successfully open or enroll in another SoFi product remain eligible); and

Make deposits totaling $50 or more that are initiated during the 25 calendar day period beginning on the day after you register or log in as a SoFi user by opening the referral link. The 25-day period ends at 11:59 p.m. E.T. on the twenty fifth (25th) day following registration or login.

To satisfy the $50 funding requirement, deposits must be made by ACH transfer from a linked bank account, direct deposit, “Instant funding” from a debit card (if available), cash deposit, mobile check deposit (if available), or wire transfer.

Peer-to-peer (P2P) transfers and instant transfers through the FedNow Service (including eligible instant payments sent from another financial institution) do not count toward the $50 funding requirement.

Qualifications & exceptions

• P2P transfers and FedNow instant transfers do not count toward the $50 funding requirement.
• Checking and Savings must be the person's first SoFi product, except that unsuccessful prior applications do not disqualify them.

Charges & Financial Obligations · Restriction or exception

Venmo, PayPal, Zelle and other P2P or FedNow transfers do not count toward the Bank Referral $50 deposit

Peer-to-peer (P2P) transfers and instant transfers through the FedNow Service, including eligible instant payments sent from another financial institution, do not count toward the Bank Referral $50 funding requirement. P2P transfers include ACH or debit-card-based transfers from services such as Venmo, PayPal, Apple Cash, Cash App, Zelle and similar services.

Supporting quotations

Peer-to-peer (P2P) transfers and instant transfers through the FedNow Service (including eligible instant payments sent from another financial institution) do not count toward the $50 funding requirement.

P2P transfers include ACH or debit-card-based transfers made from services such as Venmo, PayPal, Apple Cash Cash App, Zelle, and similar services.

Charges & Financial Obligations · Restriction or exception

An extra $25 each is paid if the new member also subscribes to SoFi Plus at $10/month within 25 days

To get the SoFi Plus Additional Bonus, the referred person must first meet every Standard Bonus requirement, must open a SoFi Checking and Savings account before subscribing, and must subscribe to SoFi Plus for $10/month within 25 calendar days after registering or logging in through the referral link, with the payment processed and validated by SoFi. The 25-day period starts the day after registration or login and ends at 11:59 p.m. ET on the 25th day. SoFi then credits $25 cash to the referred person's SoFi Checking account and $25 to the referrer's SoFi Checking account.

Supporting quotations

To be eligible for the SoFi Plus Additional Bonus, an Eligible Recipient must first satisfy all requirements for the Standard Bonus outlined above and then:

Subscribe to SoFi Plus for $10/month within 25 calendar days after registering or logging in as a SoFi user through the referral link. Your $10/month SoFi Plus payment must be processed and validated by SoFi.

The Eligible Recipient must open a SoFi Checking and Savings account before subscribing to SoFi Plus.

SoFi Plus Additional Bonus

If the Eligible Recipient subscribes to SoFi Plus for $10/month and the payment is processed and validated by SoFi within 25 calendar days after opening the referral link and registering or logging in as a SoFi user, SoFi will credit:

The Eligible Recipient a $25 cash bonus (the "SoFi Plus Additional Bonus") into their SoFi Checking account; and

The Eligible Bank Referrer the SoFi Plus Additional Bonus of $25 into their SoFi Checking account.

The SoFi Plus Additional Bonus may only be earned after the Standard Bonus requirements have been satisfied and the Eligible Recipient enrolls in SoFi Plus within the required timeframe.

Qualifications & exceptions

• The SoFi Plus bonus can only be earned after the Standard Bonus requirements are satisfied.
• The $10/month SoFi Plus payment must be processed and validated by SoFi within the 25 days.

Charges & Financial Obligations · Company commitment

The referred new member gets $25 after opening Checking and Savings and depositing $50

Once both the referrer and the referred person meet all eligibility requirements, SoFi credits each a cash Standard Bonus. The referred person receives $25 into their SoFi Checking account for opening a SoFi Checking and Savings account and making deposits totaling $50 or more.

Supporting quotations

Standard Bonus

Once both the Eligible Bank Referrer and Eligible Recipient have met all eligibility requirements, SoFi will credit each party a cash bonus (each, a "Standard Bonus"), with the amount determined as follows:

Eligible Recipient Standard Bonus:

The Eligible Recipient will receive a cash bonus of:

•$25 into their SoFi Checking account for opening a SoFi Checking and Savings account and making deposits totaling $50 or more.

Charges & Financial Obligations · Restriction or exception

Referrers get $100 if they have SoFi Plus, direct deposit or $5,000 in deposits; otherwise $75

The referrer's Standard Bonus is credited to their SoFi Checking account and depends on their status when the referred person registers or logs in (Eastern Time). It is $100 if the referrer is a SoFi Plus Member, has received an Eligible Direct Deposit, or has received $5,000 or more in Qualifying Deposits, and $75 if not. An Eligible Direct Deposit is a recurring ACH deposit of regular income (such as payroll, pension or government benefits including Social Security) from an employer, payroll or benefits provider or government agency; non-recurring deposits such as IRS tax refunds, checks, P2P transfers, merchant transactions, external bank ACH transfers and wires do not qualify, there is no minimum amount, and SoFi Bank may require documentation. Qualifying Deposits are deposits totaling $5,000 or more within a 31-calendar-day period, which may include ACH, inbound wires, P2P, checks, debit-card instant funding or push payments and cash, but not transfers between your own SoFi accounts, interest, SoFi bonuses, or credits, reversals or refunds.

Supporting quotations

Eligible Bank Referrer Standard Bonus:

The Eligible Bank Referrer will receive a cash bonus in one of the following amounts, credited into their SoFi Checking account. The applicable Standard Bonus amount is determined based on the Eligible Bank Referrer's status at the time the Eligible Recipient registers or logs in as a SoFi user . This timing is determined in Eastern Time (E.T.).

$100 if the Eligible Bank Referrer is a SoFi Plus Member, has received an Eligible Direct Deposit (defined below) into their SoFi Checking and Savings account, or has received $5,000 or more in Qualifying Deposits (defined below).

OR

$75 if the Eligible Bank Referrer is not a SoFi Plus Member, does not meet the Eligible Direct Deposit (defined below), or has not received $5,000 or more in Qualifying Deposits (defined below).

The Standard Bonus is earned after the Eligible Recipient opens a SoFi Checking and Savings account and completes deposits totaling $50 or more. For the Eligible Bank Referrer, the applicable Standard Bonus amount ($75 or $100) is determined at the time the Eligible Recipient registers or logs in as a SoFi user. This timing is determined in Eastern Time (E.T.).

Eligible Direct Deposit means a recurring ACH deposit of regular income (such as payroll, pension, or government benefits, including Social Security) made to your SoFi Checking and Savings account by your employer, payroll provider, benefits provider, or a government agency.

There is no minimum Eligible Direct Deposit amount required. SoFi Bank, in its sole discretion, will assess Eligible Direct Deposit activity and may require additional documentation to verify eligibility.

Qualifying Deposits means one or more deposits, in the aggregate, totaling $5,000 or more into an Eligible Bank Referrer's SoFi Checking and Savings account within a 31-calendar-day period.

Qualifying Deposits do not include transfers between Eligible Bank Referrer's own SoFi accounts (including SoFi Checking, Savings, Invest accounts, or Vaults), interest payments, bonuses issued by SoFi or its affiliates, or credits, reversals, or refunds from SoFi or a merchant.

Qualifications & exceptions

• The tier is fixed by the referrer's status at the moment the referred person registers or logs in, in Eastern Time.
• SoFi Bank assesses Eligible Direct Deposit and Qualifying Deposits in its sole discretion and may require documentation.

Not stated here

• The $75 condition is written with "or" ("is not a SoFi Plus Member, does not meet the Eligible Direct Deposit, or has not received $5,000"), so read literally it overlaps the $100 conditions; the source does not say which amount applies when a referrer meets one $100 condition but not another.

Charges & Financial Obligations · Company commitment

Bank referral bonuses are paid within 7 business days of validation and no later than 74 days

Once all qualifying activities for a bonus are completed and validated by SoFi, the bonus is credited to your SoFi Checking account within seven business days, and in all cases no later than 74 days after the qualifying activities are completed. Standard Bonus and SoFi Plus Additional Bonus payments may be issued separately and at different times.

Supporting quotations

Bonus Payment Timing

Once all qualifying activities for a particular bonus have been completed and validated by SoFi, that bonus payment will be credited to your SoFi Checking account within seven (7) business days. In all cases, bonus payments will be made no later than seventy-four (74) days after the applicable qualifying activities have been completed.

Standard Bonus payments and SoFi Plus Additional Bonus payments may be issued separately and at different times.

Charges & Financial Obligations · Restriction or exception

A referrer without an open SoFi Checking and Savings account at payout may not be paid

A referrer must have an open SoFi Checking and Savings account in good standing to receive any bonus payment. If the referrer has no open account when the bonus is issued, SoFi is not obligated to pay it.

Supporting quotations

An Eligible Bank Referrer must have an open SoFi Checking and Savings account in good standing in order to receive any bonus payment. If the Eligible Bank Referrer does not have an open SoFi Checking and Savings account at the time the bonus payment is issued, SoFi is not obligated to make the bonus payment.

Charges & Financial Obligations · Restriction or exception

Recipients get the bank referral bonus once, and referrers are capped at $10,000 a year across all programs

The Bank Referral offer is limited-time and may change or expire at any time; the Official Rules and full program terms are on SoFi's referral program page. A referred person can receive referral bonuses only once, when opening their first SoFi Checking and Savings account, and may then become a referrer. No referrer may receive more than $10,000 in cumulative referral or direct deposit bonuses under all SoFi referral programs in any calendar year.

Supporting quotations

Additional Terms

This is a limited-time offer from SoFi and is subject to change or expire at any time. See SoFi Referral Program Official Rules and full Bank Referral Program terms at:

An Eligible Recipient may receive referral bonuses only once when opening their first SoFi Checking and Savings account. After opening their account, they may then participate as an Eligible Bank Referrer and earn referral bonuses for their qualifying referrals, subject to the terms of the Bank Referral Program.

In no event will any Eligible Bank Referrer be entitled to receive more than $10,000 in cumulative referral or direct deposit bonuses under all available SoFi referral programs within any calendar year.

Qualifications & exceptions

• This cap counts direct deposit bonuses as well as referral bonuses, across all SoFi referral programs.

Charges & Financial Obligations · Permission or license

Bank referral bonuses are taxable, SoFi may exclude members for any reason, and it may claw back bonuses

Bank referral bonuses are miscellaneous income and may be reported to the IRS on Form 1099-MISC (or Form 1042-S), and recipients owe any federal, state or local taxes. SoFi may exclude any Member from the program for any reason, including suspected fraud, misuse or suspicious activity. SoFi may also seek reimbursement of referral bonuses paid to customers who violate the program terms, and deducting those amounts from an account can in some cases leave a negative balance.

Supporting quotations

Bonuses are considered miscellaneous income and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable).

SoFi reserves the right to exclude any Member from participating in the Program for any reason, including suspected fraud, misuse, or suspicious activity. Furthermore, SoFi reserves the right to seek reimbursement from any customer of amounts paid as referral bonuses to customers who violate the terms and conditions of the referral program. Please note that in certain circumstances the deduction of such amounts from their account may result in a negative balance.

Charges & Financial Obligations · Restriction or exception

The Bank Referral offer cannot be combined with the Checking and Savings $20 Open Offer

This Bank Referral offer cannot be combined with the SoFi Checking and Savings "Account $20 Open Offer."

Supporting quotations

This offer cannot be combined with the SoFi Checking and Savings "Account $20 Open Offer."

Charges & Financial Obligations · Restriction or exception

For joint accounts, only the primary holder who opens the account gets the referral bonus

Only the primary account holder who opens a new joint Checking and Savings account can be an Eligible Recipient for the referral bonuses. A secondary holder added to the joint account is not an Eligible Recipient and gets no referral bonus for joining, but can still refer new members and earn bonuses for their own successful referrals.

Supporting quotations

Joint Accounts

Only the primary account holder who opens the new joint Checking and Savings account can be an Eligible Recipient for the referral bonuses.

The secondary account holder added to the joint account is not considered an Eligible Recipient for this offer and will not receive referral bonuses for joining the joint account.

The secondary account holder can still refer new members and earn referral bonuses for their own successful referrals.

Charges & Financial Obligations · Context

Eligible Direct Deposit means recurring income deposits; Qualifying Deposits means $5,000 in 31 days

For the Bank Referral program, an Eligible Direct Deposit is a recurring ACH deposit of regular income, such as payroll, pension or government benefits including Social Security, made to your SoFi Checking and Savings account by an employer, payroll provider, benefits provider or government agency. Deposits from other sources or non-recurring ones, such as IRS tax refunds, do not qualify; examples of ineligible deposits are checks, P2P transfers (PayPal, Venmo, Wise, Zelle), merchant transactions (PayPal, Stripe, Square), ACH transfers from external bank accounts and wires. There is no minimum amount. Qualifying Deposits are one or more deposits totaling $5,000 or more within a 31-calendar-day period; they may include ACH, inbound wires, P2P transfers, checks, debit-card instant funding or push payments and cash, but not transfers between your own SoFi accounts (including Vaults), interest, SoFi or affiliate bonuses, or credits, reversals or refunds from SoFi or a merchant. SoFi Bank assesses both in its sole discretion and may require documentation.

Supporting quotations

Definitions

Eligible Direct Deposit means a recurring ACH deposit of regular income (such as payroll, pension, or government benefits, including Social Security) made to your SoFi Checking and Savings account by your employer, payroll provider, benefits provider, or a government agency. Deposits that are not from one of these sources or that are non-recurring in nature (such as IRS tax refunds) do not qualify.

Examples of ineligible deposits include check deposits, peer-to-peer (P2P) transfers (e.g., PayPal, Venmo, Wise, Zelle), merchant transactions (e.g., PayPal, Stripe, Square), ACH transfers from external bank accounts, and wire transfers.

Qualifying Deposits may include ACH transfers, inbound wire transfers, peer-to-peer transfers, check deposits, instant funding to Eligible Bank Referrer's SoFi Debit Card, push payments to SoFi Debit Card, and cash deposits.

SoFi Bank, in its sole discretion, will assess Qualifying Deposits and may require additional documentation to verify eligibility.

Qualifications & exceptions

• P2P transfers are excluded from Eligible Direct Deposit but may count as Qualifying Deposits.

Charges & Financial Obligations · Procedure

If SoFi misses your direct deposit and underpays the referral bonus, call with the deposit details

Some employers, payroll or benefits providers or government agencies do not label payments as direct deposits, so SoFi may not recognize them. If a referrer met the Eligible Direct Deposit requirements but did not receive the correct cash bonus, they can call 855-456-7634 with details of their first Eligible Direct Deposit; after SoFi validates the details, the correct bonus is paid.

Supporting quotations

Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. If the Eligible Bank Referrer has satisfied the Eligible Direct Deposit requirements but has not received the correct cash bonus in the respective Checking account, please contact us at 855-456-7634 with the details of your initial Eligible Direct Deposit. After SoFi validates the details of the Eligible Direct Deposit, Eligible Bank Referrer's correct bonus will be paid.

Charges & Financial Obligations · Context

SoFi Plus members earn 4.50% APY on up to $20,000 in one Savings account and 3.30% above that; rates vary

Rates are variable, can change at any time, and are stated as current as of September 23, 2026. No minimum balance is required, and fees may reduce earnings. For SoFi Plus members, SoFi Savings is tiered: 4.50% Annual Percentage Yield (APY) on up to $20,000 in one SoFi Savings account and 3.30% APY on all other Savings balances. Promotional APY boost offers cannot be combined on balances earning 4.50% APY. More rates are on SoFi's banking rate sheet.

Supporting quotations

Interest Rates:

Rates are variable and are subject to change at any time.

Rates are current as of 9/23/26.

No minimum balance is required. Fees may reduce earnings.

For SoFi Plus members, SoFi Savings is a tiered-rate account. Earn 4.50% Annual Percentage Yield (APY) on up to $20,000 in one SoFi Savings account, and 3.30% APY on all other Savings balances with a SoFi Plus membership. Promotional APY boost offers cannot be combined on balances earning a 4.50% APY.

See additional rates and information at:

Qualifications & exceptions

• The 4.50% tier applies only to up to $20,000 in one Savings account and requires SoFi Plus membership.
• Rates are a snapshot as of 9/23/26 and are variable.

Not stated here

• The banking rate sheet and SoFi Plus terms are linked; the rate sheet is not supplied.

Charges & Financial Obligations · Restriction or exception

Referring someone who activates Credit Score Monitoring within 60 days earns each of you 1,000 points ($10)

SoFi gives you 1,000 rewards points (equal to $10) if the person you refer registers for and activates SoFi Credit Score Monitoring within 60 days of clicking your unique link. You earn nothing if they already have or had another SoFi product or do not use your link. To refer and earn points you must be actively enrolled in Credit Score Monitoring and accept the SoFi Member Rewards Program terms. Once the referral qualifies, SoFi credits 1,000 points to the referred person and 1,000 points to you within 7 business days.

Supporting quotations

Credit Score Monitoring Referral Program

SoFi will give you 1,000 rewards points (equivalent to $10) if the person you refer registers to use, and successfully activates SoFi Credit Score Monitoring within 60 days of clicking on your unique referral link. Eligible Referrers will not earn rewards points if the Eligible Recipient already has or had another SoFi product, or does not use the unique referral link.

In order to refer others and receive rewards points, Eligible Referrers must be actively enrolled in credit score monitoring and accept the SoFi Member Rewards Program

Once the referral qualifications have been met, SoFi will: (a) credit Eligible Recipients 1,000 rewards points and (b) credit the Eligible Referrer 1,000 rewards points (equivalent to $10) within 7 business days.

Charges & Financial Obligations · Context

SoFi crypto is offered by SoFi Bank, is not FDIC insured, and can lose all its value

Cryptocurrency and other digital assets are not FDIC insured, not bank guaranteed and may lose value. SoFi cryptocurrency products and services are offered by SoFi Bank, N.A., subject to applicable regulatory approvals. Joining the crypto referral promotion does not constitute an offer or guarantee of access to cryptocurrency products or services. Cryptocurrency and digital assets are highly speculative and carry significant risk, including possible complete loss of value.

Supporting quotations

CRYPTOCURRENCY AND OTHER DIGITAL ASSETS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE

SoFi cryptocurrency products and services are offered by SoFi Bank, N.A., subject to applicable regulatory approvals. Participation is subject to the promotion’s terms and conditions and does not constitute an offer or guarantee of access to cryptocurrency-related products or services.

Cryptocurrency and other digital assets are highly speculative and involve significant risk, including the potential for complete loss of value.

Qualifications & exceptions

• Crypto products are offered subject to applicable regulatory approvals, and the promotion does not guarantee access to them.

Charges & Financial Obligations · Restriction or exception

The Crypto Referral Program runs February 4 to December 31, 2026 and may expire at any time

The SoFi Crypto Referral Program terms govern participation during the Promotion Period, February 4, 2026 at 12:00 a.m. ET to December 31, 2026 at 11:59 p.m. ET. It is a limited-time offer with limited availability and may expire at any time.

Supporting quotations

The following terms and conditions govern your participation in the SoFi Crypto Referral Program (“Crypto Referral Program”) during the Promotion Period (as defined below).

PROMOTION PERIOD: February 4, 2026 at 12:00 a.m. E.T. – December 31, 2026 at 11:59 p.m. E.T.

TERMS AND CONDITIONS:

This is a limited-time offer from SoFi with limited availability, and is subject to expire at any time.

Charges & Financial Obligations · Restriction or exception

Crypto referrers must share their link in the promotion and already hold both Checking and Savings and Crypto

To get the crypto referral bonus, a referrer must share their unique referral link with the referred member during the Promotion Period, and must have both an existing SoFi Checking and Savings account and an existing SoFi Crypto account when the referred member opens their SoFi Crypto account.

Supporting quotations

To receive the crypto referral bonus, a referrer must complete the following required activities:

(1) Share their unique referral link during the Promotion Period to the referred member. (2)Have BOTH an existing SoFi Checking and Savings account AND an existing SoFi Crypto account at the time the referred member opens their SoFi Crypto Account.

Charges & Financial Obligations · Restriction or exception

Referred members must open Crypto and Checking and Savings and buy $50 of crypto within 30 days

To get the crypto referral bonus, the referred member must click the referrer's unique link during the Promotion Period, apply for and open both a SoFi Crypto account and a SoFi Checking and Savings account, and make a single qualifying crypto purchase of at least $50 within 30 calendar days of clicking the link. A qualifying purchase is a successful SoFi Crypto purchase of Supported Digital Assets (cryptocurrencies or stablecoins) funded directly from the SoFi Checking and Savings account.

Supporting quotations

To receive the crypto referral bonus, a referred member must complete the following required activities:

(1) Click the referrer’s unique referral link during the Promotion Period (2) Apply and successfully open BOTH a SoFi Crypto AND a SoFi Checkings and Savings account (3) Make a single qualifying crypto purchase of at least $50 within 30 calendar days of clicking the referral link.

A qualifying crypto purchase means a successful SoFi Crypto purchase transaction to buy Supported Digital Assets: (i) cryptocurrencies (ii) stablecoins. A qualifying crypto purchase must be funded directly from your Sofi Checking and Savings.

Charges & Financial Obligations · Company commitment

Crypto referral pays $25 to each side within 7 business days, but not if the referee had a Crypto account

Once the referrer and referred member complete all required activities, SoFi credits each a one-time $25 cash bonus into their SoFi Checking and Savings account, within seven business days after SoFi confirms completion. The referrer earns nothing if the referred member previously opened a SoFi Crypto account or did not use the referrer's link to open a SoFi Crypto account during the Promotion Period.

Supporting quotations

REFERRAL BONUS Once the referrer and the referred member have completed all required activities, SoFi will: (1) credit the referrer a one-time cash bonus of $25 into their SoFi Checking and Savings account AND (2) credit the referred member a one-time cash bonus of $25 into their SoFi Checking and Savings account.

Bonus payments will be credited to the referrer and the referred member’s respective SoFi Checking and Savings account within seven (7) business days following confirmation by SoFi that all required activities have been completed by the referrer and referred member.

Referrers will not earn a referral bonus if the referred member has previously opened a SoFi Crypto Account or does not use the unique referral link provided by the referrer to open a SoFi Crypto account during the Promotion Period.

Charges & Financial Obligations · Restriction or exception

Crypto referral excludes SoFi employees, counts toward the $10,000 yearly cap, and is taxable

Employees of Social Finance, LLC and its affiliates cannot receive Crypto Referral Program bonuses. No referrer or referred member may receive more than $10,000 in cumulative referral or welcome bonuses under all SoFi referral programs in a calendar year. Bonuses are miscellaneous income and will be reported to the IRS on Form 1099-MISC (or Form 1042-S, if applicable).

Supporting quotations

Employees of Social Finance, LLC and its affiliates are not eligible to receive referral bonuses under the Crypto Referral Program. In no event will any referrer or referred member be entitled to receive more than $10,000 in cumulative referral or welcome bonuses under all available SoFi referral programs within any calendar year. Bonuses are considered miscellaneous income, and will be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable).

Charges & Financial Obligations · Permission or license

SoFi may disqualify crypto referral participants, revoke bonuses, or end the offer without notice

This offer can be combined with other SoFi Crypto promotions. SoFi may disqualify any participant in its sole discretion, including for actual or suspected fraud, abuse, gaming of the program, or conduct inconsistent with the spirit or intent of the terms. SoFi may also verify eligibility, withhold or revoke any bonus, or modify, suspend or terminate the offer or the referral program at any time without notice.

Supporting quotations

OTHER IMPORTANT DETAILS •This offer can be combined with other SoFi Crypto promotions •SoFi reserves the right to disqualify any participant from the referral program at its sole discretion, including but not limited to cases of actual or suspected fraud, abuse, gaming of the program, or conduct inconsistent with the spirit or intent of these terms.

•SoFi further reserves the right to verify eligibility, withhold or revoke any bonus, or modify, suspend, or terminate this offer or the referral program at any time without notice.

Charges & Financial Obligations · Context

SoFi Member Rewards is free to join, and joining binds you to its Program Terms and the Terms of Use

Social Finance, LLC and its affiliates operate the SoFi Member Rewards program, through which consumers who join and accept the Program Terms can earn and redeem points. By clicking "Join for free" on the enrollment screen, you agree your enrollment is governed by the Program Terms and SoFi's Terms of Use. There is no cost to participate.

Supporting quotations

SoFi Member Rewards Program

Social Finance, LLC, and its affiliates (“SoFi”) operate the SoFi Member Rewards program (the “Program”), through which consumers who choose to join the Program (“Members”, “you”, or “your”) and accept these terms ( the “Program Terms”) can earn and redeem points as described below.

By clicking the “Join for free” button on the Program enrollment screen you agree that your enrollment in the Program will be governed by these Program Terms and SoFi’s Terms of Use

There is no cost to you to participate in the Program.

Charges & Financial Obligations · Context

Rewards points can be earned by linking an outside account, signing up for monitoring, and similar activities

You can earn Member Rewards points from activities such as linking your first non-SoFi account to SoFi Coach, signing up for Credit Score Monitoring (for new SoFi members), activating your SoFi Debit Mastercard, and setting up Billpay from your SoFi Money or SoFi Checking account. The list is introduced as examples ("such as").

Supporting quotations

Points Earned

The SoFi Member Rewards Program allows you to earn points from activities such as:

Linking your first non-SoFi account to SoFi Coach

Signing up for Credit Score Monitoring (for new SoFi members)

Activating your SoFi Debit Mastercard

Setting up Billpay from your SoFi Money® or SoFi Checking account

Charges & Financial Obligations · Context

Ways to earn points can change anytime, promo terms set the points, and they may differ between customers

The ways to earn rewards points can change at any time; the current ways and point values are in the "Ways to earn" section. The terms of each promotional offer listed there govern how many points you earn and may differ from the terms offered to other customers. Some state restrictions may apply. You can see your earned, unredeemed points balance by tapping the gem icon above your account details.

Supporting quotations

The ways to earn rewards points are subject to change at any time.

The terms of the specific promotional offers listed in the “Ways to earn” section will govern the number of rewards points you will earn in association with those promotional offers and may differ from the terms for other customers. Some state restrictions may apply.

You may see the total balance of your earned, unredeemed rewards points by tapping the gem icon above your account details.

Qualifications & exceptions

• Promotional earning terms can differ between customers.

Not stated here

• Which state restrictions apply is not stated.

Charges & Financial Obligations · Restriction or exception

Points expire if you go 90 days without enrolling in Rewards or holding a qualifying SoFi product

You cannot redeem points until you accept the Program Terms and enroll through the Membership & Rewards hub. Members must enroll by clicking "Join for free" and must obtain one of these products within 90 days of earning any points: SoFi Checking and Savings, SoFi Active Invest, SoFi Credit Card, SoFi Personal Loan, Private Student Loan or Student Loan Refinance. Co-signers of those loans do not count as having obtained a product. If, at any time after earning points, a Member has not enrolled or has no product that points can be redeemed into for 90 consecutive days, the points expire and are forfeited. SoFi may modify or discontinue any points-earning promotion at any time, with or without notice.

Supporting quotations

No points may be redeemed prior to your acceptance of these Program Terms and your enrollment in the Program through the Membership & Rewards hub.

Further, Members must enroll for the Program by clicking “Join for free” on the Program enrollment screen and obtain one of the following products within 90 days of earning any points: SoFi Checking and Savings, SoFi Active Invest, SoFi Credit Card, SoFi Personal Loan, Private Student Loan, or Student Loan Refinance. Co-signers of Personal Loans, Private Student Loans and Student Loan Refinance do not qualify as having “obtained” a product.

If at any time after earning points under this Program a Member has not enrolled in the Program by clicking the “Join for free” button through the enrollment flow or does not have a product for which points can be redeemed into for a period of ninety (90) consecutive days, such points will expire and be forfeited.

SoFi reserves the right to modify or discontinue any promotional offers for points earnings at any time, and with or without notice to you.

Qualifications & exceptions

• Co-signers on Personal Loans, Private Student Loans and Student Loan Refinance do not qualify as having obtained a product.

Charges & Financial Obligations · Restriction or exception

Rewards points are not your property, have no cash value and cannot pass by inheritance or divorce

Points are not your property and have no cash value. You cannot transfer or move points unless the agreement expressly allows it, and points cannot transfer by operation of law, such as by inheritance, in bankruptcy or in a divorce.

Supporting quotations

Points aren’t your property and have no cash value. You can’t transfer or move points unless expressly provided for in this agreement. Additionally, points can’t be transferred by operation of law, such as by inheritance, in bankruptcy or in connection with a divorce.

Charges & Financial Obligations · Procedure

Points can be redeemed into active SoFi accounts or SoFi Travel, once or monthly, at 1 cent per point

Rewards points may be redeemed toward active SoFi accounts, such as SoFi Checking or Savings, SoFi Money, SoFi Active Invest, SoFi Credit Card, SoFi Personal Loan, Private Student Loan or Student Loan Refinance, or toward SoFi Travel purchases. The travel section states that redemptions toward active SoFi accounts or SoFi Travel purchases redeem at 1 cent per point. Ways to redeem can change at any time; current options and promotional redemption details are on the "Redeem" page. You can redeem once or monthly through auto-redemption, managed by tapping the gem icon in the SoFi app.

Supporting quotations

Redemption Process

Rewards points may be redeemed toward active SoFi accounts, including but not limited to, your SoFi Checking or Savings account, SoFi Money® account, SoFi Active Invest account, SoFi Credit Card account, SoFi Personal Loan, Private Student Loan, Student Loan Refinance, or toward SoFi Travel purchases.

The ways to redeem rewards points are subject to change at any time. To see the latest ways to redeem your rewards points, including redemption details for any promotional offers, visit the “Redeem” page.

Rewards points may be redeemed on a one-time basis or on a monthly basis when set up through auto-redemption. To set up and manage your auto-redemption preferences, tap the gem icon above your account details within the SoFi app.

your rewards points will redeem at a rate of 1 cent per every point.

Qualifications & exceptions

• Ways to redeem are subject to change at any time.

Charges & Financial Obligations · Permission or license

SoFi may change redemption offers without notice, and redeeming may require an active SoFi product

SoFi may modify or discontinue any points-redemption promotional offer at any time, with or without notice. Redemptions may be conditioned on your being a SoFi customer with at least one active SoFi product.

Supporting quotations

SoFi reserves the right to modify or discontinue any promotional offers for points redemptions at any time, and with or without notice to you. Points redemptions may be conditional upon you being a SoFi customer with at least one active SoFi product.

Charges & Financial Obligations · Permission or license

Members in "bad standing", such as delinquent borrowers or negative balances, can lose use of their points

SoFi may, in its sole discretion and at any time, prohibit or limit your ability to use, earn, keep or redeem points, wholly or partly, if you are a Member in "bad standing". Bad standing includes, without limitation, being delinquent or in default on a SoFi Credit Card or loan; having a negative balance in SoFi Money, Checking, Savings or any SoFi Active Invest account; SoFi believing you violated law in connection with the Program; or SoFi believing you committed fraud in connection with it.

Supporting quotations

Points Restriction

SoFi in its sole discretion may prohibit or limit your ability to use, earn, keep or redeem points, in whole or in part, and at any time, if you are a SoFi Member in “bad standing”.

For clarity, a Member in “bad standing” includes but is not limited to the following: if you are delinquent or have defaulted on a SoFi Credit Card or loan product; if you have a negative balance in your SoFi Money, SoFi Checking, or SoFi Savings or any of your SoFi Active Invest Accounts; if we believe you have violated any applicable law in connection with this Program; or if we believe you have committed any fraudulent acts in connection with this Program.

Qualifications & exceptions

• The bad-standing examples are not exhaustive ("includes but is not limited to").

Charges & Financial Obligations · Context

Rewards may be taxable income reported on Form 1099, and SoFi stays out of disputes with joint holders

Participating in the Program may produce taxable income from SoFi, and SoFi may have to send you and file with the IRS a Form 1099. You are responsible for any tax liability and disclosure requirements from participating. SoFi is not responsible for any Program-related dispute you have with an authorized user or joint account holder on any of your accounts.

Supporting quotations

Additional terms

Your participation in this Program may result in the receipt of taxable income from SoFi and we may be required to send you, and file with the IRS, a Form 1099. You are responsible for any tax liability, including disclosure requirements, related to your participation in the Program.

We are not responsible for any dispute you may have in connection with this Program with an authorized user or joint account holder on any of your accounts.

Charges & Financial Obligations · Permission or license

SoFi may change the Rewards terms by posting or notice, and may end the Program or limit points anytime

SoFi may modify the Member Rewards Program Terms at any time, effective when posted on the Website or when notice is given to you. Continuing to participate after a change means you accept it and remain bound by the Program Terms and the Terms of Use. If you disagree with a change to the Program Terms or the Terms of Use, your only remedy is to stop participating. SoFi may, in its sole discretion, end the Program or prohibit or limit your ability to use, earn or redeem points, wholly or partly, at any time with or without notice. This Program replaces all earlier versions.

Supporting quotations

SoFi may modify or update these Program Terms at any time, and each such modification will be effective upon either posting at the Website or notice to you. Your continued participation in this Program following any such modifications constitutes your acceptance of such modifications and your agreement to be bound by these Program Terms and the Terms of Use.

If you do not agree to any modification of these Program Terms or the Terms of Use, as the case may be, your sole remedy is to discontinue your participation in the Program.

SoFi in its sole discretion may terminate this Program, or prohibit or limit your ability to use, earn or redeem points, in whole or in part, at any time with or without notice to you. The Program described herein shall replace all earlier versions of this Program.

Qualifications & exceptions

• Changes take effect on posting or on notice, so individual notice is not required.
• Your sole remedy for a change you reject is to stop participating.

Charges & Financial Obligations · Context

SoFi Plus is a premium membership for members who pay a $10 monthly subscription fee

The SoFi Plus terms were last updated October 1, 2026. SoFi Plus is a premium membership giving access to SoFi's best rewards, benefits and more; more on benefits and terms is on the SoFi Plus page. New and existing SoFi members who pay the SoFi Plus Subscription Fee of $10 every month qualify as SoFi Plus members.

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SoFi Plus

Last Updated: October 1, 2026

(a) What is SoFi Plus?

SoFi Plus is a premium membership that gives members access to our best rewards, benefits, and more.

(b) Who is eligible for SoFi Plus?

New and existing SoFi members who pay the SoFi Plus Subscription Fee of $10 every month qualify as SoFi Plus members.

Not stated here

• The SoFi Plus page describing benefits is linked but not supplied.

Charges & Financial Obligations · Permission or license

Paying SoFi Plus from a SoFi account authorizes monthly debits; unpaid fees can end your benefits

You can pay the SoFi Plus Subscription Fee from your SoFi Checking or Savings account. Submitting payment in the app or website authorizes SoFi to debit that account by ACH every month for the fee. SoFi may change the fee or billing interval with advance notice. The recurring authorization lasts until you change your payment method or cancel; you can cancel future ACH or card payments at any time by canceling SoFi Plus on the subscription management page. If SoFi finds insufficient funds, you will be prompted to add funds, and if you do not, SoFi may end your SoFi Plus benefits.

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(c) What do I need to know about the SoFi Plus Subscription Fee?

(i) Payment Methods: Members may use the following payment methods to pay the SoFi Plus Subscription Fee.

By submitting payment for the SoFi Plus Subscription Fee via the SoFi mobile app or website, you authorize SoFi to initiate ACH transfers every month to SoFi by debiting your SoFi Checking or Savings account for the amount of the SoFi Plus Subscription Fee stated in section 10(a)(ii) herein. SoFi may modify the Subscription Fee or billing interval upon advance notice to you.

This authorization for recurring debits will remain in effect until you update your payment method or cancel your subscription, as described in the “Canceling Payments” section herein.

If we determine that you have insufficient funds in your SoFi Checking or Savings account to pay the SoFi Plus Subscription Fee, you will be prompted to add funds to your SoFi Checking or Savings account. If you fail to add funds to your SoFi Checking or Savings account, SoFi reserves the right to terminate your SoFi Plus benefits.

(iii) Canceling Payments: You can cancel your authorization of future ACH transfers or future credit card or debit card payments at any time by logging into your SoFi account and canceling your SoFi Plus subscription on the subscription management page.

Qualifications & exceptions

• Fee or billing-interval changes require advance notice.
• The authorization ends when you update the payment method or cancel the subscription.

Not stated here

• The fee is said to be "stated in section 10(a)(ii) herein", but this source has no section 10; the SoFi Plus terms use lettered parts and state the fee as $10 every month in part (b).

Charges & Financial Obligations · Permission or license

Paying SoFi Plus by card authorizes monthly charges; a failed card means no membership

You can pay the SoFi Plus Subscription Fee by credit or debit card. Submitting payment in the app or website authorizes SoFi to charge the card entered on the payment page every month, until you update your payment method or cancel. SoFi may change the fee or billing interval with advance notice. If your selected payment method fails, you will not be enrolled as a SoFi Plus member.

Supporting quotations

(2) Credit Card or Debit Card: Members may pay the SoFi Plus Subscription Fee via credit card or debit card. By submitting payment for the SoFi Plus Subscription Fee via the SoFi mobile app or website, you authorize SoFi to charge the credit card or debit card entered on the SoFi Plus Subscription Fee payment page every month.

SoFi may modify the Subscription Fee or billing interval upon advance notice to you. If your selected payment method fails, you will not be enrolled as a SoFi Plus member.

Charges & Financial Obligations · Procedure

Your SoFi Plus billing date is the day you join, moving to the next business day or month-end when needed

Your SoFi Plus billing cycle starts on the date you click "Join SoFi Plus" in the app or website, and you get an email when the subscription starts and when each fee payment is received. If the billing date falls on a weekend, federal holiday or other non-business day, the payment is processed the next business day; if it falls on a day a month does not have (such as the 31st), you are charged on the last day of that month.

Supporting quotations

(ii) Billing Cycle: Your billing cycle start date is the date on which you click “Join SoFi Plus” via the SoFi mobile app or website. Upon clicking “Join SoFi Plus,” you will receive an email notification of the start of your SoFi Plus subscription. You will also receive an email notification upon SoFi’s receipt of each SoFi Plus Subscription Fee payment.

If your billing date falls on a weekend, federal holiday, or other non-business day, your subscription payment will be processed on the next business day. If your billing date falls on a day that does not exist in a given month (e.g., the 31st), you will be charged on the last day of that month.

Charges & Financial Obligations · User right or choice

Cancel SoFi Plus by 7:59 p.m. PT the day before renewal to avoid the next fee; no partial refunds

You can cancel future ACH or card payments at any time by canceling SoFi Plus on the subscription management page in your SoFi account. To avoid the next period's fee you must cancel by 7:59 p.m. PT at least one calendar day before the renewal date; a later cancellation may be charged for the next period. SoFi does not give partial refunds for canceling before the end of a billing cycle, but after cancellation you keep all SoFi Plus benefits until the last day of the current cycle.

Supporting quotations

(iii) Canceling Payments: You can cancel your authorization of future ACH transfers or future credit card or debit card payments at any time by logging into your SoFi account and canceling your SoFi Plus subscription on the subscription management page.

You must cancel your SoFi Plus subscription by 7:59 p.m. P.T. at least one (1) calendar day before the subscription renewal date to avoid being charged the SoFi Plus Subscription Fee for the next billing period. If a cancellation request is submitted after this time, you may be charged for the subsequent billing period.

Please note that SoFi will not issue a partial refund for canceling a SoFi Plus subscription before the end of a billing cycle. Upon successful cancellation, you will continue to enjoy all SoFi Plus benefits until the last day of your current billing cycle.

Qualifications & exceptions

• No partial refund is given for a mid-cycle cancellation; benefits continue to the end of the cycle.

Charges & Financial Obligations · Company practice

Joining SoFi Plus turns on free Overdraft Protection that pulls from your Savings to cover Checking overdrafts

When you join SoFi Plus, if you have SoFi Checking and Savings accounts, SoFi enables Overdraft Protection by linking your individual Checking to your individual Savings, and your joint Checking to your joint Savings, as applicable. SoFi can then use available Savings funds to pay Checking overdrafts, without a fee for those transfers. Only Savings deposits not allocated to a Vault are used. You may disable Overdraft Protection at any time as long as all authorized debit card transactions have settled; all Checking and Savings holders can enable or disable it in the SoFi app or website. Further details are in the SoFi Deposit Account Agreement.

Supporting quotations

When you join SoFi Plus, if you have existing SoFi Checking and Savings accounts, SoFi will enable Overdraft Protection by linking your individual SoFi Checking Account to your individual SoFi Savings Account, and linking your joint SoFi Checking Account to your joint SoFi Savings Account, as applicable.

This will allow us to use available funds in your SoFi Savings Account to pay Overdrafts in your SoFi Checking Account. SoFi will not charge a fee for such transfers. Please note that the funds applied to this overdraft protection feature will be limited to SoFi Savings Account deposits which are not allocated to a Vault.

You may disable Overdraft Protection at any time so long as all authorized debit card transactions have settled. All Checking and Savings Account holders have the option to enable or disable Overdraft Protection through the SoFi app or website.

Qualifications & exceptions

• Overdraft Protection is switched on automatically on joining; you must disable it if you do not want it.
• Disabling requires all authorized debit card transactions to have settled.
• Funds in Vaults are not used.

Not stated here

• The SoFi Deposit Account Agreement with the full Overdraft Protection terms is not supplied.

Charges & Financial Obligations · Context

SoFi Plus benefits may be taxable income reported on Form 1099

Participating in the SoFi Plus Benefits Program may produce taxable income from SoFi, and SoFi may have to send you and file with the IRS a Form 1099. You are responsible for any related tax liability and disclosure requirements. SoFi is not responsible for any SoFi Plus-related dispute with an authorized user or joint account holder on your accounts.

Supporting quotations

Your participation in this SoFi Plus Benefits Program may result in the receipt of taxable income from SoFi and we may be required to send you, and file with the IRS, a Form 1099. You are responsible for any tax liability, including disclosure requirements, related to your participation in the SoFi Plus Benefits Program.

We are not responsible for any dispute you may have in connection with this SoFi Plus Benefits Program with an authorized user or joint account holder on any of your accounts.

Charges & Financial Obligations · Permission or license

SoFi may change or end SoFi Plus by posting or notice; your only remedy is to stop participating

SoFi may modify the SoFi Plus Benefits Program at any time, effective when posted on the Website or when notice is given to you. Continuing to participate after a change means you accept it; if you disagree, your only remedy is to stop participating. SoFi may, in its sole discretion, end the program or prohibit or limit your ability to use, earn or redeem points, wholly or partly, at any time with or without notice. This program replaces all earlier versions.

Supporting quotations

SoFi may modify or update this SoFi Plus Benefits Program at any time, and each such modification will be effective upon either posting at the Website or notice to you. Your continued participation in this SoFi Plus Benefits Program following any such modifications constitutes your acceptance of such modifications and your agreement to be bound by these terms.

If you do not agree to any modification of these terms, as the case may be, your sole remedy is to discontinue your participation in the SoFi Plus Benefits Program.

SoFi in its sole discretion may terminate this SoFi Plus Benefits Program, or prohibit or limit your ability to use, earn or redeem points, in whole or in part, at any time with or without notice to you.

Qualifications & exceptions

• Your sole remedy for a change you reject is to stop participating.

Not stated here

• How a mid-cycle program change interacts with the no-partial-refund rule is not stated.

Charges & Financial Obligations · Company commitment

SoFi Plus pays 4.50% APY on up to $20,000 in one Savings account per member and 3.30% above that

A SoFi Plus benefit is the "SoFi Plus APY": SoFi Savings becomes a tiered-rate account paying 4.50% APY on balances up to $20,000 in one Savings account per SoFi Plus member and 3.30% APY on all other Savings balances. The 4.50% rate is applied to your individual Savings account if you have one; if you only have a joint Savings account, it applies there, and two SoFi Plus members sharing only a joint Savings account can get 4.50% on up to $40,000 combined. Full details and other rates are on the SoFi Bank Rate Sheet.

Supporting quotations

(e) What benefits do I get with SoFi Plus?

(i) 4.50% Annual Percentage Yield (APY) on SoFi Savings balances up to $20,000 and 3.30% APY on all other Savings balances (the “SoFi Plus APY”):

For SoFi Plus members, SoFi Savings is a tiered-rate account. See SoFi Bank Rate Sheet for full details and additional rates at:

4.50% APY: SoFi Plus members earn 4.50% APY on balances up to $20,000 in one SoFi Savings account per SoFi Plus member.

Joint account holders: An APY of 4.50% on Savings balances up to $20,000 is available for one Savings account per SoFi Plus member, which will be applied to the individual Savings account if an individual Savings account exists.

If your joint account holder is also a SoFi Plus member and only has a joint Savings account, an APY of 4.50% on Savings balances up to an additional $20,000 will be applied to the joint Savings account, resulting in an APY of 4.50% on combined Savings balances up to $40,000.

Qualifications & exceptions

• The 4.50% tier is limited to $20,000 in one Savings account per SoFi Plus member, preferring an individual account if one exists.

Not stated here

• The SoFi Bank Rate Sheet is linked but not supplied.

Charges & Financial Obligations · Restriction or exception

For joint savers, the 4.50% tier goes to an individual account first; two members can reach $40,000 only jointly

The 4.50% APY on up to $20,000 is available for one Savings account per SoFi Plus member and is applied to your individual Savings account if you have one. If you only have a joint Savings account, you get 4.50% on up to $20,000 there. If your joint holder is also a SoFi Plus member with only that joint account, another $20,000 is added, for 4.50% on up to $40,000 combined, but only while the joint account remains the only SoFi Savings account for each member. SoFi sets your rates based on all Checking and Savings accounts associated with you, joint and individual, on an ongoing basis, so rates can change when accounts are opened or closed.

Supporting quotations

Joint account holders: An APY of 4.50% on Savings balances up to $20,000 is available for one Savings account per SoFi Plus member, which will be applied to the individual Savings account if an individual Savings account exists. If you have a joint Savings account only, you will receive an APY of 4.50% on Savings balances up to $20,000 in your joint Savings account.

This 4.50% APY for balances up to $40,000 applies only while the joint Savings account remains the only SoFi Savings account for each SoFi Plus member.

We determine rates applicable to your account(s) based on all SoFi Checking and Savings accounts associated with you, including joint and individual accounts. These determinations are made on an ongoing basis, and the rates applicable to your accounts may change if accounts are opened or closed.

Qualifications & exceptions

• The $40,000 combined tier applies only while the joint Savings account is the only SoFi Savings account for each SoFi Plus member.
• Opening or closing accounts can change the rates applied.

Charges & Financial Obligations · Company practice

The top SoFi Plus rate covers Vault balances, but its extra interest is always paid into the main Savings account

For SoFi Plus members, the highest APY applies to up to $20,000 in your tiered-rate Savings account, including balances held in Vaults. The extra interest from that highest rate, compared with the rate on your other Savings balances, is called incremental interest and is always credited to your Savings account, even if the balance that earned it sits in one or more Vaults. Interest on all other balances is credited to the Savings account or Vault holding that balance. Current rates are on the SoFi Bank Rate Sheet.

Supporting quotations

SoFi Plus members: As a SoFi Plus member, your highest APY applies to up to $20,000 in your tiered-rate Savings account, including balances held in Vaults.

The extra interest you earn from your highest APY — the difference between that rate and the rate that otherwise applies to your other Savings balances — is called incremental interest.

Incremental interest is always credited to your Savings account, even if some or all of the balance that earned it is held in one or more Vaults.

Interest earned on all other balances is credited to the Savings account or Vault where that balance is held.

for the current rates on your accounts.

Charges & Financial Obligations · Context

Savings above the 4.50% tier earn 3.30%, so a SoFi Plus member's overall APY falls between the two

A 3.30% APY applies to the part of SoFi Plus Savings balances, across individual and joint accounts, that does not earn 4.50%. So the APY on your whole balance ranges from 3.30% to 4.50% depending on your total balance.

Supporting quotations

3.30% APY: A 3.30% APY applies to the portion of SoFi Plus Savings balances that do not earn 4.50% APY across both individual and joint SoFi Savings accounts. As a result, the APY on your entire balance will range from 3.30% to 4.50%, depending on your total balance.

Charges & Financial Obligations · Context

Members with direct deposit or $5,000 in Qualifying Deposits get 3.30% APY without SoFi Plus

Account holders with an Eligible Direct Deposit or $5,000 in Qualifying Deposits, as defined in the SoFi Bank Rate Sheet, can get 3.30% APY on all Savings balances whether or not they subscribe to SoFi Plus.

Supporting quotations

Direct Deposit or Qualifying Deposit account holders: An APY of 3.30% on all Savings balances is available to account holders with Eligible Direct Deposit or $5,000 in Qualifying Deposits, as defined in the SoFi Bank Rate Sheet, whether or not you subscribe to SoFi Plus.

Not stated here

• This passage points to the SoFi Bank Rate Sheet for the definitions, which is not supplied; whether they match the Bank Referral definitions in this source is not stated.

Charges & Financial Obligations · Restriction or exception

Promotional APY boosts never stack on balances earning 4.50%; they apply only to the rest

Promotional APY boost offers cannot be combined on balances earning the 4.50% APY. If you earn 4.50% and qualify for a boost, the 4.50% applies first, and the boost applies only to Savings balances not earning 4.50% and only during its stated promotional period. When the promotion ends, those balances earn the then-current SoFi Plus APY unless another promotion applies.

Supporting quotations

Interaction with Other Promotions: Promotional APY boost offers cannot be combined on the same balances earning the 4.50% APY. If you earn the 4.50% APY and qualify for a promotional APY boost, the 4.50% APY applies first. The promotional APY boost will only apply to the portions of your Savings balances not earning 4.50% APY and only during its stated promotional period.

When a promotional period ends, any affected balances will earn the then-current applicable SoFi Plus APY unless otherwise eligible for another promotion.

Charges & Financial Obligations · Context

SoFi Plus rates start the business day after you pay and revert to standard rates the day you cancel

After you pay the SoFi Plus Subscription Fee, you start earning SoFi Plus interest rates and APYs the next business day. If you cancel, your Savings account reverts to the Standard rates, or the direct deposit / Qualifying Deposit rates if applicable, as listed on the SoFi Bank Rate Sheet, on the day your subscription ends. Former members may get the SoFi Plus APY again if they reactivate.

Supporting quotations

Additional Important Terms: Upon paying the SoFi Plus Subscription Fee, you will begin earning the interest rates and APYs for SoFi Plus members on the following business day. If you cancel your subscription, your Savings account will revert to the Standard rates, or rates for account holders with Eligible Direct Deposit or Qualifying Deposits as applicable, as listed on the SoFi Bank Rate Sheet, on the day your subscription ends.

Members who previously had SoFi Plus may receive the SoFi Plus APY again if they reactivate a SoFi Plus subscription.

Charges & Financial Obligations · Permission or license

SoFi Plus APY is variable, may not be available to everyone, and SoFi can end it at any time

SoFi Plus benefits are subject to change and may not be available to everyone. Rates are stated as current as of September 23, 2026; APY is variable and can change at any time; there is no minimum balance; and fees may reduce earnings. SoFi may modify, suspend or terminate the SoFi Plus APY Benefit at any time. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.

Supporting quotations

Benefits are subject to change and may not be available to everyone. All terms and conditions applicable to the use of SoFi Plus apply.

Rates are current as of 9/23/2026. APY is variable and subject to change at any time. There is no minimum balance requirement. Fees may reduce earnings.

SoFi reserves the right to modify, suspend, or terminate the SoFi Plus APY Benefit at any time.

SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC.

Charges & Financial Obligations · Context

SoFi Plus members get a 1% match on deposits into non-retirement SoFi Invest accounts, until SoFi ends it

SoFi Securities LLC and SoFi Wealth LLC offer the SoFi Plus 1% Match. SoFi Plus members can get a 1% match on deposits into an existing or new non-retirement self-directed SoFi Invest account (SoFi Securities) or non-retirement robo SoFi Invest account (SoFi Wealth) during the Benefit Period. A "Deposit" is an instant cash transfer from a SoFi Bank account or an ACH deposit into one of those accounts during the Benefit Period, and it must settle before the Benefit Period ends. The Benefit Period runs from August 18, 2026 until SoFi ends the Benefit, and SoFi may modify, suspend or terminate it at any time in its sole discretion without advance notice. Investments are not FDIC insured, not bank guaranteed and may lose value.

Supporting quotations

(ii) 1% match on deposits into non-retirement accounts:

INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE

SoFi Securities LLC (“SoFi Securities”) and SoFi Wealth LLC (“SoFi Wealth”) are offering the SoFi Plus 1% Match promotion (the “Match” or “Benefit”), which is governed by the following Terms and Conditions:

Match Benefit:

SoFi Plus members are eligible for a 1% Match on deposits made into their existing or newly opened non-retirement self-directed SoFi Invest account (offered by SoFi Securities) or non-retirement Robo investing SoFi Invest account (offered by SoFi Wealth) during the Benefit Period (the “Eligible Deposit”).

Benefit Period:

The Benefit Period is from August 18, 2026 through the date SoFi terminates the Benefit. SoFi may modify, suspend, or terminate the benefit at any time in its sole discretion without advance notice.

Deposit refers to an instant cash transfer from a SoFi Bank account or ACH deposit into either a non-retirement self-directed SoFi Invest account or SoFi Robo Invest account during the Benefit Period. The deposit must be settled before the end of the Benefit Period to be eligible for the Match.

Qualifications & exceptions

• Only non-retirement self-directed or robo SoFi Invest accounts qualify.
• A deposit must settle before the Benefit Period ends.

Charges & Financial Obligations · Restriction or exception

To keep the full 1% match you must stay subscribed at settlement and hold each deposit for five years

To receive and keep the full value of the Match, a SoFi Plus member must be a SoFi Plus subscriber when each Eligible Deposit settles and must keep each Eligible Deposit in the non-retirement account for five years from its settlement date. Each deposit has its own independent five-year holding period.

Supporting quotations

Eligibility:

To receive and retain the full value of this promotion, a SoFi Plus member must:

Be a SoFi Plus subscriber at the time each Eligible Deposit settles; and

Maintain each Eligible Deposit in the non-retirement account for five (5) years from the settlement date. Each Eligible Deposit shall be subject to its own independent five (5) year holding period measured from its respective settlement date.

Charges & Financial Obligations · Restriction or exception

Only cash deposits count for the 1% match; transfers in of securities, ACATs, interest and credits do not

For the Match, a Deposit is an instant cash transfer from a SoFi Bank account or an ACH deposit into a non-retirement self-directed or robo SoFi Invest account during the Benefit Period, settled before the period ends. "Eligible Deposit" excludes internal transfers between SoFi Invest accounts, Automated Customer Account Transfers (ACATs), securities transfers, interest, dividends, fee reversals, promotional credits and other non-cash credits.

Supporting quotations

Deposit refers to an instant cash transfer from a SoFi Bank account or ACH deposit into either a non-retirement self-directed SoFi Invest account or SoFi Robo Invest account during the Benefit Period.

For the avoidance of doubt, “Eligible Deposit” excludes Internal transfers between SoFi Invest accounts, Automated Customer Account Transfers (ACATs), securities transfers, interest, dividends, fee reversals, promotional credits, and other non-cash credits.

Charges & Financial Obligations · Company commitment

The 1% match is paid in cash to the same account within 5 business days of settlement and is not auto-invested

The Match is calculated on each incoming instant cash transfer from a SoFi Bank account or ACH deposit. It is paid in cash into the account that received the deposit within 5 business days after the deposit settles, subject to verification of eligibility and compliance with the terms. Funds in a self-directed account are not invested automatically; you must invest them yourself. For example, a $1,000 deposit into a non-retirement self-directed SoFi Invest account earns a $10 Match.

Supporting quotations

Calculations and Payments:

The Match is calculated on each incoming instant cash transfer from a SoFi Bank account or ACH deposit. Matches will be paid in cash into the same account receiving the deposit within 5 business days of the deposit being settled, subject to verification of eligibility and compliance with these terms. Funds deposited into a self-directed account will not be automatically invested (you must take action to invest them).

Example: If you complete a deposit of $1,000 into your non-retirement self-directed SoFi Invest account, you will be paid a 1% Match on your deposit, equaling $10.

Qualifications & exceptions

• Payment is subject to verification of eligibility and compliance with the Match terms.

Charges & Financial Obligations · Restriction or exception

No match is paid on closed accounts, the account must be in good standing, and SoFi may delay for fraud review

Matches are not paid on accounts that are closed or pending closure, and the member's SoFi Invest account must be in good standing to receive the Match. SoFi may delay payment of any Match pending review for fraud, abuse or violation of the terms.

Supporting quotations

Matches will not be paid out on accounts that are closed or pending closure. The SoFi Plus member’s SoFi Invest account must be in good standing to receive the Match. SoFi reserves the right to delay payment of any Match pending review for fraud, abuse, or violation of these Terms.

Charges & Financial Obligations · Restriction or exception

The 1% match cannot be combined with other SoFi Invest offers unless SoFi agrees in writing

The Match Benefit may not be combined with any other SoFi Invest offer unless SoFi expressly permits it in writing.

Supporting quotations

Limitations:

This Benefit may not be combined with any other SoFi Invest offers unless expressly permitted by SoFi in writing.

Charges & Financial Obligations · Restriction or exception

Withdrawing within five years can trigger an early withdrawal fee and partial loss of the match

You must keep Eligible Deposits in the account that earned the Match for five years to keep the full Match. A withdrawal before then triggers an early withdrawal fee, and SoFi removes a proportional amount of the Match, based on the shortfall in retained value rather than the time held. To avoid the fee, the account's total equity value (market value of securities plus cash) must be at least the pre-promotion total equity value plus the qualifying deposit and the Match. The pre-promotion value is the account's total equity value at the most recent end-of-day balance before the date SoFi determines the deposit was received and eligibility met, as SoFi decides in its sole discretion. If a withdrawal drops the total equity value below that combined amount, the fee applies; SoFi may apply reasonable rounding or a small tolerance for ordinary market moves.

Supporting quotations

SoFi Plus members must keep Eligible Deposits in the account that earned the Match for five (5) years to keep the entire Match amount. If a SoFi Plus member makes a withdrawal before the five (5) year holding period is complete, they will be subject to an early withdrawal fee and SoFi will remove a proportional amount of the Match from the member’s account. The proportional amount is based on the breach in retention value, not retention period.

To avoid this early withdrawal fee, the total equity value of the SoFi Plus member’s account (“total equity value”) must at minimum equal the original pre-promotion total equity value in the account, plus the qualifying deposit and Match amount.

The “pre-promotion total equity value” means the total equity value (market value of securities held plus cash balance) of the eligible account, as reflected in SoFi’s records, as of the most recent completed end-of-day balance preceding the date on which SoFi determines that the qualifying deposit was received and all applicable eligibility requirements were satisfied, as determined by SoFi in its sole discretion.

If a withdrawal causes the total equity value to fall below this combined amount, the early withdrawal fee will be applied. SoFi may apply reasonable rounding or a de minimis tolerance to account for ordinary market fluctuations.

Qualifications & exceptions

• The fee is measured by retained value, not by how long the money stayed.
• SoFi determines the pre-promotion value date in its sole discretion.

Charges & Financial Obligations · Restriction or exception

The early withdrawal fee applies even when the account fell because of investment losses

The early withdrawal fee applies if you withdraw and the total equity value has decreased for any reason, including investment losses. It does not apply if your total equity value has risen by more than the withdrawal amount, through investment gains or additional deposits.

Supporting quotations

The early withdrawal fee will apply if the SoFi Plus member initiates a withdrawal and the total equity value has decreased, for any reason including investment losses. However, the early withdrawal fee will not apply if the SoFi Plus member’s total equity value has risen by an amount greater than the withdrawal amount, either by investment gains or additional deposits.

Qualifications & exceptions

• No fee if the total equity value has risen by more than the withdrawal amount.

Charges & Financial Obligations · Restriction or exception

Transferring the account out forfeits the whole match, and SoFi may sell securities to collect the fee

The proportional early withdrawal fee is deducted from the requested withdrawal amount. An ACAT transfer out during the five-year holding period triggers an early withdrawal fee for the entire Match, forfeiting the Match on deposits that have not completed their holding periods. If there is not enough cash in the account, the fee is debited from an outgoing financial institution or added to a margin balance, and SoFi may liquidate securities to pay it. SoFi also bills a separate ACAT out fee, listed in its fee schedule.

Supporting quotations

The proportional early withdrawal fee is deducted from the requested withdrawal amount. In the event of an ACAT transfer out, there will be an early withdrawal fee for the entire Match amount. For clarity, an ACAT transfer out during the applicable five (5) year holding period will result in forfeiture of the Match associated with the applicable Eligible Deposit(s) that have not satisfied their respective holding period(s).

If insufficient cash is available in this account, the early withdrawal fee will be debited from an outgoing financial institution or added to a margin balance. SoFi reserves the right to liquidate securities to pay for this early withdrawal fee. SoFi will also bill an ACAT out fee separate from an early withdrawal fee.

Not stated here

• The SoFi Invest fee schedule with the ACAT out fee amount is linked but not supplied.

Charges & Financial Obligations · Context

Examples: on a $1,000 deposit with a $10 match, early withdrawals cost $5.94 or $3.07, or $0 after gains

The Early Withdrawal Fee Examples table uses a $1,000 deposit with a $10 (1%) Match in each row. Row 1: total equity $1,010, withdrawal of $600 five or more years after the deposit, remaining $410, fee $0 (full match earned). Row 2: total equity $1,010, withdrawal of $600 less than five years after the deposit, remaining $410, fee $5.94. Row 3: total equity $1,310 after investment gains, withdrawal of $250 within five years, remaining $1,060, fee $0. Row 4: total equity $950 after investment losses, withdrawal of $250 within five years, remaining $700, fee $3.07.

Supporting quotations

Early Withdrawal Fee Examples:

Deposit 1% Match Total Equity Value Withdrawal Date Withdrawal Amount Remaining Equity Value Early Withdrawal Fee

$1,000 $10 $1,010 5+ years from deposit date -$600 $410 $0 (earned full match amount)

$1,000 $10 $1,010 Less than 5 years from deposit date -$600 $410 $5.94

$1,000 $10 $1,310 Account balance increases due to investment gains Less than 5 years from deposit date -$250 $1,060 $0

$1,000 $10 $950 Account balance decreases due to investment losses Less than 5 years from deposit date -$250 $700 $3.07

Qualifications & exceptions

• These are illustrative examples from the source table; the source does not show how each fee amount was calculated.

Charges & Financial Obligations · Permission or license

SoFi may decline or take back the match if it suspects fraud, selling securities to recover it

SoFi may decline, rescind or delay granting the Match if it suspects fraud or violations of the terms, and may liquidate securities as reasonably necessary to recover any Match amounts owed. SoFi makes these determinations in its reasonable discretion.

Supporting quotations

Fraud and Violations:

SoFi reserves the right to decline, rescind, or delay granting the Match if fraudulent activity or violations of these Terms are suspected. SoFi may liquidate securities as reasonably necessary to recover any match amounts owed. SoFi’s determinations under this section shall be made in its reasonable discretion.

Charges & Financial Obligations · Context

The 1% match may be taxable and reported on Form 1099-INT, 1099-MISC or 1042-S

The Match may be considered income and will be reported on IRS Form 1099-INT, 1099-MISC or Form 1042-S as applicable. The recipient is responsible for any federal, state or local taxes and should consult a tax advisor.

Supporting quotations

Taxes:

The Match may be considered income and will be reportable on IRS Form 1099-INT, 1099-MISC, or Form 1042-S as applicable. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the benefit; consult with your tax advisor to determine applicable tax consequences.

Charges & Financial Obligations · Context

The 1% match is not investment advice; SoFi Securities provides brokerage and SoFi Wealth provides advice

Nothing in the Match benefit is a recommendation to buy, sell or hold any security or to follow any investment strategy. Brokerage services are provided by SoFi Securities LLC, Member FINRA/SIPC, and robo investing and advisory services by SoFi Wealth LLC, an SEC-registered investment adviser. All SoFi Plus terms apply.

Supporting quotations

Nothing in this benefit constitutes a recommendation to buy, sell, or hold any security or to engage in any investment strategy. Brokerage services are provided by SoFi Securities LLC, Member FINRA/SIPC. Robo investing and advisory services are provided by SoFi Wealth LLC, an SEC-registered investment adviser.

Charges & Financial Obligations · Company commitment

SoFi Plus members get unlimited financial planner sessions; other members get one 30-minute session

SoFi Plus members can schedule an unlimited number of appointments with a financial planner, but only during periods when they meet the SoFi Plus eligibility criteria. SoFi members who do not meet those criteria can schedule one 30-minute appointment. Scheduling depends on planner availability, and SoFi may change or end this benefit at any time with or without notice. Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser, whose Form ADV Part 2 brochure describes its services and fees and is available on request and at adviserinfo.sec.gov.

Supporting quotations

(iii) Unlimited 1:1 financial planning:

SoFi Plus members can schedule an unlimited number of appointments with a financial planner. For complete SoFi Plus eligibility, please see sections 10(b-c) herein.

SoFi members who do not meet the SoFi Plus eligibility criteria can schedule one (1) thirty-minute appointment with a financial planner.

Members can only schedule an unlimited number of appointments with a financial planner during periods in which the member meets the SoFi Plus eligibility criteria. The ability to schedule appointments is subject to financial planner availability. SoFi reserves the right to change or terminate this benefit at any time with or without notice.

Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser.

Qualifications & exceptions

• Unlimited appointments apply only while you meet SoFi Plus eligibility and are subject to planner availability.

Not stated here

• SoFi Plus eligibility is cross-referenced as "sections 10(b-c) herein"; this source has no numbered section 10 and labels SoFi Plus eligibility and the subscription fee as parts (b) and (c).
• SoFi Wealth's Form ADV brochure is referenced but not supplied.

Charges & Financial Obligations · Restriction or exception

SoFi Plus members earn double rewards points on qualifying activities, excluding card spend and bonuses

SoFi Plus members can earn double the rewards points listed in the "Ways to earn" section of the Membership & Rewards Center for qualifying activities, but only for periods when they meet the SoFi Plus eligibility criteria. Excluded are credit or debit card spend paid in points, welcome bonuses paid in points (including referral bonuses), and select promotions paid in points. Point amounts can change at any time. You must enroll in Member Rewards to redeem points, but not to be eligible for 2x points; points are subject to the Member Rewards terms.

Supporting quotations

(iv) 2x rewards points on select activity:

SoFi Plus members can earn double the rewards points as stated in the “Ways to earn” section of the Membership & Rewards Center for qualifying earning activities.

Members can only earn 2x rewards points for periods in which the member meets the SoFi Plus eligibility criteria. The qualifying earning activities exclude the following: Credit or Debit card spend paid in rewards points, welcome bonuses paid in rewards points (including any referral bonuses paid in rewards points), and select promotions with bonuses paid in rewards points. The specific number of rewards points is subject to change at any time and can be found in the “Ways to earn” section of the Membership & Rewards Center.

Members must enroll in SoFi Member Rewards to redeem rewards points, but not to be eligible for 2x rewards points.

Not stated here

• SoFi Plus eligibility is cross-referenced as "sections 10(b-c) herein"; this source has no numbered section 10 and labels SoFi Plus eligibility and the subscription fee as parts (b) and (c).

Charges & Financial Obligations · Restriction or exception

SoFi Plus adds a 10% multiplier to SoFi Credit Card cash back, with rounding and quasi-cash exclusions

SoFi Plus members get a 10% boost on cash back rewards rates for eligible SoFi Credit Card purchases (the "Promotion"): a 10% multiplier on existing rates, so a purchase that earned 100 points earns 110. Each transaction is rounded to the nearest dollar and fractional points to the nearest whole point. The boost does not apply to transactions not eligible for cash back, such as fees, interest, balance transfers, cash advances, traveler's checks or cash equivalents, prepaid card purchases or reloads and other quasi-cash transactions, or to manually awarded courtesy points. SoFi decides in its sole discretion whether a transaction qualifies. You must enroll in Member Rewards to redeem points but not to be eligible.

Supporting quotations

(v) 10% rewards boost for SoFi credit card:

SoFi Plus members are eligible for a 10% boost on cash back rewards rates for all eligible purchases made with a SoFi Credit Card (the “Promotion”).

A 10% boost means that a 10% multiplier shall be applied to existing cash back rewards rates (e.g., a purchase previously earning 100 rewards points would now earn 110 with the promotion). For purposes of calculating the 10% boost on cash back rewards points, each transaction shall be rounded to the nearest dollar, and fractional points shall be rounded to the nearest whole point.

The 10% boost shall not apply to (i) transactions that are not eligible for cash back rewards points, including: fees or interest charges, balance transfers or cash advances, purchase of traveler’s checks or other cash equivalents, purchase or reloading of prepaid cards, or other quasi-cash transactions; or (ii) courtesy rewards points that are manually awarded. SoFi shall, in its sole discretion, determine whether a transaction is eligible to earn the 10% boost under this Promotion.

Members must enroll in SoFi Member Rewards to redeem rewards points, but not to be eligible for the Promotion.

Not stated here

• SoFi Plus eligibility is cross-referenced as "sections 10(b-c) herein"; this source has no numbered section 10 and labels SoFi Plus eligibility and the subscription fee as parts (b) and (c).

Charges & Financial Obligations · Restriction or exception

The card boost excludes Smart Card accounts, is one per Checking and Savings account, and needs a Plus primary holder

All new and existing SoFi Credit Card members who meet the SoFi Plus eligibility criteria during the Promotion Period are eligible. SoFi Smart Card accounts are excluded, the offer is limited to one per SoFi Checking and Savings account, and a credit card account benefits only if its primary holder is a SoFi Plus member. SoFi may exclude any member for any reason, including suspected fraud, misuse or suspicious activity. The Promotion began April 1, 2024 at 1:00 p.m. ET, and SoFi may end or change it at any time.

Supporting quotations

All new and existing SoFi Credit Card members who meet the SoFi Plus eligibility criteria during the Promotion Period are eligible for this Promotion. SoFi Smart Card accounts are excluded from this Promotion. Offer limited to one per SoFi Checking and Savings account. A SoFi Credit Card account will only benefit from the 10% boost under this Promotion if the primary SoFi Credit Card account holder is a SoFi Plus member.

SoFi reserves the right to exclude any member from participating in this Promotion for any reason, including suspected fraud, misuse, or if suspicious activities are observed.

Promotion Period: The Promotion will begin on 4/1/24 at 1:00 PM ET. SoFi reserves the right to terminate or make changes to this Promotion at any time.

Charges & Financial Obligations · Restriction or exception

SoFi Plus earns 5% back in points on SoFi Travel bookings except air, or 5.5% with a SoFi Credit Card

SoFi Plus members can earn 5% cash back in rewards points on all SoFi Travel bookings except air travel, using any card ("Elevated Earn"). Using a SoFi Credit Card on those bookings adds the 10% card cash back boost, for 5.5% total. Cash back rewards do not stack on top of other SoFi Credit Card or SoFi Plus rewards, and the card boost does not apply to bookings made with a SoFi Smart Card. Travel points are awarded within 60 days of travel completion, and air bookings are not eligible for Elevated Earn.

Supporting quotations

(vi) 5% cash back on SoFi Travel (excl air):

SoFi Plus members can earn 5% cash back in rewards points on all bookings except air travel through SoFi Travel using any card (“Elevated Earn”).

Additionally, SoFi Plus members that use a SoFi Credit Card on all bookings except air travel will earn a 10% credit card cash back rewards rate boost, resulting in a total of 5.5% cash back rewards. Cash back rewards do not stack on top of other rewards associated with SoFi Credit Card or SoFi Plus. The 10% credit card cash back rewards rate boost does not apply to bookings made with a SoFi Smart Card.

Rewards points will be awarded within 60 days of travel completion.

Bookings made on air travel are not eligible for the Elevated Earn.

Qualifications & exceptions

• Air travel bookings are excluded.
• Rewards do not stack with other SoFi Credit Card or SoFi Plus rewards.

Not stated here

• SoFi Plus eligibility is cross-referenced as "sections 10(b-c) herein"; this source has no numbered section 10 and labels SoFi Plus eligibility and the subscription fee as parts (b) and (c).

Charges & Financial Obligations · Context

Travel points arrive within 60 days of the trip and redeem at 1 cent each; SoFi may change Elevated Earn

All Member Rewards terms apply to SoFi Travel rewards. Points are awarded within 60 days after travel is completed; if they have not appeared after 60 days, you can check the help center or call 855-456-7634. Air travel bookings are not eligible for Elevated Earn. Points redeemed toward active SoFi accounts (such as Checking and Savings, SoFi Money, Active or Automated Invest, Credit Card, Personal Loan, Private Student Loan or Student Loan Refinance) or toward SoFi Travel purchases redeem at 1 cent per point. SoFi may exclude any member from Member Rewards for any reason, including suspected fraud, misuse or suspicious activity, and may stop or change Elevated Earn at any time.

Supporting quotations

Rewards points will be awarded within 60 days of travel completion. If you do not see your rewards points after 60 days of travel completion, please see our

When you elect to redeem rewards points toward active SoFi accounts, including but not limited to, your SoFi Checking and 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.

SoFi reserves the right to exclude any member from participating in SoFi Member Rewards for any reason, including suspected fraud, misuse, or if suspicious activities are observed. SoFi also reserves the right to stop or make changes to Elevated Earn at any time.

Charges & Financial Obligations · Context

Crypto is not a deposit, not FDIC or SIPC insured, highly speculative and can lose all value

Cryptocurrency and other digital assets are not FDIC insured, not bank guaranteed and may lose value. They are highly speculative, involve significant risk and may result in complete loss of value. They are not deposits and are not insured by the FDIC or SIPC.

Supporting quotations

(vii) 1% match on crypto:

CRYPTOCURRENCY AND OTHER DIGITAL ASSETS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE

Cryptocurrency and other digital assets are highly speculative, involve significant risk, and may result in the complete loss of value. Cryptocurrency and other digital assets are not deposits, are not insured by the FDIC or SIPC, are not bank guaranteed, and may lose value.

Charges & Financial Obligations · Restriction or exception

Crypto transactions are final once on the blockchain, and SoFi is not responsible for network delays or wrong addresses

Once submitted to the blockchain, all cryptocurrency transactions are final and irreversible. SoFi is not responsible for failures or delays in processing caused by factors beyond its reasonable control, including blockchain network congestion, protocol or network operations, or incorrect address information. Which digital assets, features and services are available can change and may be limited by law and regulation.

Supporting quotations

All cryptocurrency transactions, once submitted to the blockchain, are final and irreversible. SoFi is not responsible for any failure or delay in processing a transaction resulting from factors beyond its reasonable control, including blockchain network congestion, protocol or network operations, or incorrect address information.

Availability of specific digital assets, features, and services is subject to change and may be limited by applicable law and regulation.

Charges & Financial Obligations · Context

SoFi Crypto is offered by OCC-regulated SoFi Bank, which gives no investment, tax or legal advice

SoFi Crypto products and services are offered by SoFi Bank, N.A., a national bank regulated by the Office of the Comptroller of the Currency. SoFi Bank does not provide investment, tax or legal advice. Additional terms are in the SoFi Crypto Account Agreement.

Supporting quotations

SoFi Crypto products and services are offered by SoFi Bank, N.A., a national bank regulated by the Office of the Comptroller of the Currency. SoFi Bank does not provide investment, tax, or legal advice.

Not stated here

• The SoFi Crypto Account Agreement is linked but not supplied.

Charges & Financial Obligations · Restriction or exception

The 1% crypto match, paid in points, is for adult SoFi Plus members in the 50 states and DC

SoFi Plus members can earn a 1% match on crypto buys, paid as rewards points. The promotion is open to SoFi Plus members who are legal residents of the 50 United States and the District of Columbia and at least 18 years old. SoFi Plus status must remain active through the end of the calendar month in which the eligible crypto buy was made.

Supporting quotations

SoFi Plus members are eligible for a 1% match on crypto buys, earned as rewards points.

ELIGIBILITY:

This Promotion is open and available to SoFi Plus members who are legal residents of the fifty (50) United States and the District of Columbia and are at least eighteen (18) years of age or older as of time of promotion period. SoFi Plus status must be active through the end of the calendar month the eligible crypto buy was executed in to qualify for the 1% match.

Not stated here

• SoFi Plus eligibility is cross-referenced as "sections 10(b-c) herein"; this source has no numbered section 10 and labels SoFi Plus eligibility and the subscription fee as parts (b) and (c).

Charges & Financial Obligations · Restriction or exception

Only crypto buys funded from SoFi Checking and Savings count, not stablecoins, up to $250,000 lifetime

SoFi Plus members earn the 1% match on Net Eligible Crypto Buys, up to a lifetime total of $250,000 in Eligible Crypto Buys per member; after that, no more match rewards are earned. An Eligible Crypto Buy is a completed SoFi Crypto purchase funded directly from your SoFi Bank Checking and Savings account that buys Supported Digital Assets, excluding stablecoins and other cash-equivalent digital assets. Purchases funded from any other source, including incoming crypto transfers, do not qualify.

Supporting quotations

HOW IT WORKS:

SoFi Plus members can earn a 1% match on Net Eligible Crypto Buys, subject to a lifetime aggregate Eligible Crypto Buy cap of $250,000 per member.

Eligible Transactions: An “Eligible Crypto Buy” is a completed SoFi Crypto purchase transaction that (i) is funded directly from your Checkings and Savings account at SoFi Bank, N.A. and (ii) results in a successful purchase of Supported Digital Assets (excluding stablecoins or any cash-equivalent digital assets).

o Purchases funded from a source other than a SoFi Bank, N.A. Checking & Savings account, including incoming crypto transfers, do not qualify; and

o Purchases of stablecoins or other cash equivalent digital assets do not qualify.

o There is a lifetime cap of $250,000 in Eligible Crypto Buys that can qualify for the 1% match. Once you reach that total amount of qualifying purchases, you will no longer earn additional match rewards on future crypto buys.

Charges & Financial Obligations · Procedure

The crypto match is 1% of each month's buys minus withdrawals, and nothing if withdrawals equal or exceed buys

The reward is 1% of your Net Eligible Crypto Buys each month: the U.S. dollar total of Eligible Crypto Buys completed in the calendar month, minus the dollar value of any cash or crypto you withdraw or transfer out of your SoFi Crypto account that month. For example, $1,000 of eligible buys with a $400 withdrawal gives $600 net and a match on $600. If withdrawals equal or exceed eligible buys, net buys are zero or negative and you earn nothing that month. Examples: buying $1,000 on April 3, 2026 and holding through April 30 earns $10 in points; buying $1,000 and withdrawing $500 before April 30 earns $5.

Supporting quotations

Calculation: The 1% match means you can earn a reward equal to 1% of your Net Eligible Crypto Buys each month. To calculate your Net Eligible Crypto Buys, we: (1) add up the total U.S. dollar value of your Eligible Crypto Buys completed during the calendar month, and (2) subtract the U.S. dollar value of any cash or crypto you withdraw or transfer from your SoFi Crypto account during that same month.

o For example, if you buy $1,000 in eligible crypto during the month but withdraw $400 from your account, your Net Eligible Crypto Buys would be $600, and the 1% match would be calculated on that $600.

o If your withdrawals are equal to or greater than your eligible purchases, your Net Eligible Crypto Buys will be zero or negative, and you would not earn a reward for that month.

1% Match Calculation Examples

Standard Buy and Hold

o A SoFi Plus member executes $1,000 worth of crypto buys on 4/3/2026 and holds the digital assets on platform through 4/30/2026.

o 1% Match: $10 in rewards points.

Cash/Digital Asset Withdrawal

o A SoFi Plus member executes $1,000 worth of crypto buys on 4/3/2026 and withdraws $500 (cash or digital asset withdrawal) before 4/30/2026.

o 1% Match: $5 in rewards points – 1% of the remaining $500 net funded amount.

Charges & Financial Obligations · Context

Trading or market losses do not cut the crypto match, but losing SoFi Plus mid-month drops it to $0

Further examples: a member buys $1,000 of BTC, later sells $500 of BTC to buy ETH, makes no withdrawals and holds through month-end, and earns $10 in points, because the match is based on the original net funding. A member buys $1,000 of crypto and the market drops the value to $800, with no withdrawals, and still earns $10, because market performance does not affect the match. A member buys $1,000 on April 3, 2026 but loses SoFi Plus status on April 27, 2026, and earns $0, because SoFi Plus status must be kept for the entire month.

Supporting quotations

o A SoFi Plus member executes a $1,000 BTC crypto buy. Later, sells $500 of BTC to buy ETH. No withdrawals made and holds digital assets on platform through the end of the calendar month the buy was executed.

o 1% Match: $10 in rewards points – 1% Match based on original net funding for crypto buys.

Market Value Changes

o A SoFi Plus member executes $1,000 worth of crypto buys. Market drops portfolio value to $800. No withdrawals made and digital assets held on platform through the end of the calendar month the buy was executed.

o 1% Match: $10 in rewards points – Market performance does not affect 1% match payout.

SoFi Plus Status Changes

o A SoFi Plus member executes $1,000 worth of crypto buys on 4/3/2026, but loses SoFi Plus status on 4/27/2026.

o 1% Match: $0 – Must maintain SoFi Plus status for the entirety of the month to receive the 1% match payout.

Charges & Financial Obligations · Company commitment

Crypto match points are paid within two weeks after month-end if you still have an active Crypto account

The 1% crypto match is paid as rewards points within two weeks after the end of the calendar month. You must keep an active SoFi Crypto account to receive it. You must enroll in Member Rewards to redeem points, but not to be eligible for the match; points are subject to the Member Rewards terms.

Supporting quotations

PAYOUT METHOD & TIMING:

The 1% Match payout will be paid out as rewards points within two (2) weeks of the end of the calendar month. The member must maintain an active SoFi Crypto account to receive the payout. Members must enroll in SoFi Member Rewards to redeem rewards points, but not to be eligible for the match.

Charges & Financial Obligations · Permission or license

SoFi may exclude members from the crypto match, rescind it for suspected fraud and sell crypto to cover shortfalls

The SoFi Plus 1% Crypto Match may be combined with other SoFi Crypto promotions. Your account must be in good standing and not restricted, and the promotion is non-transferable. SoFi may exclude any member for any reason, such as suspected fraud, misuse or suspicious activity. If SoFi suspects fraud, a violation of these terms or of the customer agreement, it may decline to grant the Match or rescind the Offer, and may liquidate any digital assets to make up a shortfall. SoFi may modify, suspend or terminate the promotion at any time without notice.

Supporting quotations

ADDITIONAL IMPORTANT TERMS:

The SoFi Plus 1% Crypto Match Promo may be combined with other SoFi Crypto promos.

The members’ account must be in good standing and not subject to restrictions. Promotion is non-transferable.

SoFi reserves the right to exclude any members from participating in this Promotion for any reason, such as suspected fraud, misuse, or suspicious activity.

If SoFi suspects that there may have been fraudulent activity and/or a violation of these Terms & Conditions in connection with the Offer, or a violation of the customer agreement, SoFi reserves the right to either decline to grant the Match, or to rescind the Offer. SoFi reserves the right to liquidate any digital assets to make up for any shortfall.

SoFi also reserves the right to modify, suspend, or terminate the Promotion at any time without notice.

Charges & Financial Obligations · Company commitment

SoFi Plus halves outgoing instant transfer fees to 0.375% (minimum $1, maximum $15) for FedNow transfers

SoFi Plus members get a 50% discount on outgoing instant transfer fees, reducing the fee to 0.375% of the transfer amount, with a $1 minimum and $15 maximum. The discount applies automatically to Instant Transfers from a member's SoFi Checking or Savings account to their own account at an institution participating in the FedNow Service.

Supporting quotations

(viii) 50% off instant transfer fees:

SoFi Plus members receive a 50% discount on outgoing instant transfer fees, reducing the fee to 0.375% of the transfer amount (minimum of $1, maximum of $15).

The discount automatically applies to Instant Transfers sent from a SoFi Plus member’s SoFi Checking or Savings account to their account at a participating institution in the FedNow® Service.

Qualifications & exceptions

• Applies to instant transfers to the member's own account at a participating FedNow institution.

Not stated here

• SoFi Plus eligibility is cross-referenced as "sections 10(b-c) herein"; this source has no numbered section 10 and labels SoFi Plus eligibility and the subscription fee as parts (b) and (c).
• The undiscounted instant transfer fee schedule is not stated in this source.

Charges & Financial Obligations · Context

SoFi Plus may improve your odds in IPO allocations but guarantees no shares

SoFi Plus members can receive preferred IPO allocations. SoFi Plus membership is one of many factors SoFi Securities LLC uses to decide allocations, and eligible members may have a better chance of receiving a larger share of their indication than non-members. IPOs usually have high demand and limited shares, and membership does not guarantee you any of the shares requested in your Indication of Interest, or any shares at all. SoFi's IPO Allocation Procedures give details.

Supporting quotations

(ix) Preferred IPO access (Offered by SoFi Invest):

SoFi Plus members have the opportunity to receive preferred IPO allocations.

A SoFi Plus membership is one of many factors used by Sofi Securities LLC to determine an investor’s allocation. Members who meet the SoFi Plus eligibility criteria may have an increased chance of receiving a larger percentage of their indication than those who are not enrolled.

Having a SoFi Plus membership does not guarantee that you will be allocated the number of shares you requested in your Indication of Interest (IOI) or any shares at all.

Not stated here

• SoFi Plus eligibility is cross-referenced as "sections 10(b-c) herein"; this source has no numbered section 10 and labels SoFi Plus eligibility and the subscription fee as parts (b) and (c).
• The IPO Allocation Procedures are linked but not supplied.

Charges & Financial Obligations · Restriction or exception

SoFi members get $500 off the $1,495 mortgage origination fee, plus $500 more with Plus or qualifying deposits

SoFi members can get a one-time standard discount of $500 off the standard $1,495 origination fee on a SoFi Bank home purchase or refinance mortgage. Members who are SoFi Plus members, receive an Eligible Direct Deposit, or receive at least $5,000 in Qualifying Deposits into SoFi Checking or Savings can get an additional one-time $500 off, if they meet the criterion when the home loan application receives final approval. The rate sheet holds the deposit definitions.

Supporting quotations

(x) Extra $500 SoFi Mortgage Loan discount:

SoFi members are eligible for a one-time standard discount of $500 off the standard $1,495 origination fee for a SoFi Bank home purchase or refinance mortgage. Members who either (1) are a SoFi Plus member, (2) receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or (3) receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account are eligible for an additional one-time discount of $500 off the standard origination fee for a home purchase or refinance mortgage.

To be eligible for the additional $500 discount, you must meet the eligibility criteria described above at the time the home loan application is approved (indicated as “final approval”). See sections 10(b-c) herein for details on SoFi Plus subscription.

Qualifications & exceptions

• The additional discount depends on meeting a criterion at final approval of the application.

Not stated here

• SoFi Plus eligibility is cross-referenced as "sections 10(b-c) herein"; this source has no numbered section 10 and labels SoFi Plus eligibility and the subscription fee as parts (b) and (c).
• Eligible Direct Deposit and Qualifying Deposits are defined by reference to the banking rate sheet, which is not supplied.

Charges & Financial Obligations · Restriction or exception

The standard mortgage member discount needs a registered member with a funded SoFi account at final approval

For the standard SoFi member discount, you must be a registered SoFi member when the home loan application gets final approval, and the applicant must have a current or prior SoFi Personal Loan, Student Loan, SoFi Money or SoFi Checking and Savings account with a balance above $0, or be a SoFi Invest account holder with a balance above $10,000. SoFi may change or end this discount at any time.

Supporting quotations

To be eligible for the standard SoFi member discount, you must be a registered SoFi member at the time the home loan application is approved (indicated as “final approval”), and the applicant must have a current or prior SoFi Personal Loan, Student Loan, SoFi Money, or SoFi Checking and Savings account with an account balance greater than $0, or be a SoFi Invest account holder with a balance greater than $10,000. SoFi may change or terminate this discount at any time.

Charges & Financial Obligations · Restriction or exception

Mortgage discounts do not apply to Texas home loans, VA loans, other no-fee loans or repeat borrowers

The mortgage discounts are not available on loans with no origination fee, including all home loans in Texas and VA loans, and are not available to anyone who previously had a loan of the same type. You should consult a tax advisor about any tax consequences of the discounts.

Supporting quotations

The discounts described above are not available on loans where no origination fee is assessed, including all home loans in Texas and VA loans. And, the discounts are not available to any person who previously had a loan of the same type.

Charges & Financial Obligations · Restriction or exception

Personal loans get 0.25% off with SoFi Plus or qualifying deposits, re-checked every 31 days

You can get an extra 0.25% interest rate reduction on a Personal Loan if, within 31 days of loan funding, you are a SoFi Plus member, receive an Eligible Direct Deposit into SoFi Checking or Savings, or receive at least $5,000 in Qualifying Deposits there, and you must keep meeting at least one of these every 31 days to keep it. After you first qualify, the discount is removed or reinstated depending on whether you meet the criteria, and each time the loan is re-amortized your monthly payment changes based on the rate then in place. SoFi may modify or end the offer at any time for unenrolled participants. You do not have to meet these criteria to be approved for the loan.

Supporting quotations

To be eligible for an additional 0.25% interest rate reduction on a Personal Loan, you must, within 31 days of loan funding, either (1) be a SoFi Plus member, (2) receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or (3) receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account.

You must continue to meet at least one of the above eligibility criteria every 31 days to maintain the discount.

Once you become eligible during the initial period, the discount will be removed or reinstated depending on whether the criteria have been met. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place.

SoFi reserves the right to modify or terminate this offer at any time for unenrolled participants. You are not required to meet these criteria to be approved for a loan.

Qualifications & exceptions

• The discount must be re-earned every 31 days and can be removed and reinstated, changing the monthly payment at re-amortization.
• SoFi's right to modify or end the offer is stated for unenrolled participants.

Not stated here

• SoFi Plus eligibility is cross-referenced as "sections 10(b-c) herein"; this source has no numbered section 10 and labels SoFi Plus eligibility and the subscription fee as parts (b) and (c).
• Eligible Direct Deposit and Qualifying Deposits are defined by reference to the banking rate sheet, which is not supplied.

Charges & Financial Obligations · Restriction or exception

Student loan refinancing gets 0.125% off with SoFi Plus or qualifying deposits, re-checked every 31 days

You can get an extra 0.125% interest rate reduction on a Student Loan Refinancing if, within 31 days of loan funding, you are a SoFi Plus member, receive an Eligible Direct Deposit into SoFi Checking or Savings, or receive at least $5,000 in Qualifying Deposits there, and you must keep meeting at least one of these every 31 days to keep it. After you first qualify, the discount is removed or reinstated depending on whether you meet the criteria, and each time the loan is re-amortized your monthly payment changes based on the rate then in place. SoFi may modify or end the offer at any time for unenrolled participants. You do not have to meet these criteria to be approved for the loan.

Supporting quotations

(xii) 0.125% student loan rate discount:

To be eligible for an additional 0.125% interest rate reduction on a Student Loan Refinancing, you must, within 31 days of loan funding, either (1) be a SoFi Plus member, (2) receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or (3) receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account.

You must continue to meet at least one of the above eligibility criteria every 31 days to maintain the discount.

Once you become eligible during the initial period, the discount will be removed or reinstated depending on whether the criteria have been met. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place.

SoFi reserves the right to modify or terminate this offer at any time for unenrolled participants. You are not required to meet these criteria to be approved for a loan.

Qualifications & exceptions

• The discount must be re-earned every 31 days and can be removed and reinstated, changing the monthly payment at re-amortization.
• SoFi's right to modify or end the offer is stated for unenrolled participants.

Not stated here

• SoFi Plus eligibility is cross-referenced as "sections 10(b-c) herein"; this source has no numbered section 10 and labels SoFi Plus eligibility and the subscription fee as parts (b) and (c).
• Eligible Direct Deposit and Qualifying Deposits are defined by reference to the banking rate sheet, which is not supplied.

Charges & Financial Obligations · Restriction or exception

Private Parent Student Loans get 0.125% off with SoFi Plus or qualifying deposits, re-checked every 31 days

You can get an extra 0.125% interest rate reduction on a Private Parent Student Loan if, within 31 days of loan funding, you are a SoFi Plus member, receive an Eligible Direct Deposit into SoFi Checking or Savings, or receive at least $5,000 in Qualifying Deposits there, and you must keep meeting at least one of these every 31 days to keep it. After you first qualify, the discount is removed or reinstated depending on whether you meet the criteria, and each time the loan is re-amortized your monthly payment changes based on the rate then in place. SoFi may modify or end the offer at any time for unenrolled participants. You do not have to meet these criteria to be approved for the loan.

Supporting quotations

(xiii) 0.125% parent student loan discount:

To be eligible for an additional 0.125% interest rate reduction on a Private Parent Student Loan, you must, within 31 days of loan funding, either (1) be a SoFi Plus member, (2) receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or (3) receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account.

You must continue to meet at least one of the above eligibility criteria every 31 days to maintain the discount.

Once you become eligible during the initial period, the discount will be removed or reinstated depending on whether the criteria have been met. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place.

SoFi reserves the right to modify or terminate this offer at any time for unenrolled participants. You are not required to meet these criteria to be approved for a loan.

Qualifications & exceptions

• The discount must be re-earned every 31 days and can be removed and reinstated, changing the monthly payment at re-amortization.
• SoFi's right to modify or end the offer is stated for unenrolled participants.

Not stated here

• SoFi Plus eligibility is cross-referenced as "sections 10(b-c) herein"; this source has no numbered section 10 and labels SoFi Plus eligibility and the subscription fee as parts (b) and (c).
• Eligible Direct Deposit and Qualifying Deposits are defined by reference to the banking rate sheet, which is not supplied.

Charges & Financial Obligations · Restriction or exception

Home equity loans get $200 off the $1,495 origination fee, plus $200 more with Plus or qualifying deposits

SoFi members can get a one-time standard discount of $200 off the $1,495 origination fee on a SoFi Bank home equity loan, plus an additional one-time $200 off if they are a SoFi Plus member, receive an Eligible Direct Deposit, or receive at least $5,000 in Qualifying Deposits into SoFi Checking or Savings when the application receives final approval. The standard discount requires being a registered SoFi member at final approval with a current or prior SoFi Personal Loan, Student Loan, SoFi Money or Checking and Savings account with a balance above $0, or a SoFi Invest balance above $10,000; SoFi may change or end it at any time. The discounts do not apply to loans with no origination fee, including all home loans in Texas and VA loans, or to anyone who previously had a loan of the same type.

Supporting quotations

(xiv) Extra $200 home equity loan discount:

SoFi members are eligible for a one-time standard discount on loans originated by SoFi Bank of $200 off the $1,495 origination fee for home equity loan. Members who either (1) are a SoFi Plus member, (2) receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or (3) receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account are eligible for an additional one-time discount of $200 off the origination fee for home equity loan.

To be eligible for the additional $200 discount, you must meet the eligibility criteria described above at the time the home loan application is approved (indicated as “final approval”).

To be eligible for the standard SoFi member discount, you must be a registered SoFi member at the time the home loan application is approved (indicated as “final approval”), and the applicant must have a current or prior SoFi Personal Loan, Student Loan, SoFi Money, or SoFi Checking and Savings account with an account balance greater than $0, or be a SoFi Invest account holder with a balance greater than $10,000. SoFi may change or terminate this discount at any time.

The discounts described above are not available on loans where no origination fee is assessed, including all home loans in Texas and VA loans. And, the discounts are not available to any person who previously had a loan of the same type.

Qualifications & exceptions

• Eligibility for both discounts is measured at final approval.
• Not available on Texas home loans, VA loans or other no-origination-fee loans, or to prior borrowers of the same loan type.

Not stated here

• SoFi Plus eligibility is cross-referenced as "sections 10(b-c) herein"; this source has no numbered section 10 and labels SoFi Plus eligibility and the subscription fee as parts (b) and (c).
• Eligible Direct Deposit and Qualifying Deposits are defined by reference to the banking rate sheet, which is not supplied.

Charges & Financial Obligations · Company commitment

SoFi Plus halves SoFi's processing fee on international transfers sent from Checking and Savings

SoFi Plus members can get a 50% discount on the processing fees SoFi charges for all global remittance transfers initiated through SoFi Checking and Savings.

Supporting quotations

(xv) 50% off processing fees for international payments to friends:

SoFi Plus members are eligible to receive a 50% discount on the processing fees assessed by SoFi for all global remittance transfers initiated through SoFi Checking and Savings.

Qualifications & exceptions

• The discount covers processing fees assessed by SoFi.

Charges & Financial Obligations · Context

The remittance discount has no limit and applies automatically, but third-party bank fees are not discounted

There is no limit on how many remittance discounts a member can receive, and the discount is applied automatically at the time of transfer. Global remittance services are available through SoFi Checking and Savings, offered by SoFi Bank, N.A., Member FDIC, and transfers are subject to the SoFi Bank Deposit Account Agreement in effect at the time of payment. Fees, exchange rates and estimated delivery times are shown before you confirm a payment. Intermediary or recipient banks may charge extra fees, which are not eligible for the 50% discount, and availability may vary by country or recipient.

Supporting quotations

There is no limit on the number of discounts a member can receive. The discount is automatically applied at time of transfer.

Transfers are subject to the terms of the SoFi Bank Deposit Account Agreement in effect at the time of payment. Fees, exchange rates, and estimated delivery times will be presented prior to payment confirmation. Third-party intermediary or recipient banks may charge additional fees, which are not eligible for the 50% discount. Service availability may vary by country or recipient.

Qualifications & exceptions

• Fees charged by third-party intermediary or recipient banks are not discounted.

Not stated here

• The SoFi Bank Deposit Account Agreement is not supplied.

Charges & Financial Obligations · Restriction or exception

SoFi Plus members can get a $129 first-year WSJ digital subscription and $2-per-4-weeks MarketWatch

Fulfilled by Dow Jones, publisher of The Wall Street Journal and MarketWatch, SoFi Plus members can get a one-time discounted $129 annual digital subscription to The Wall Street Journal and a discounted MarketWatch digital subscription billed at $2 every four weeks for one year. To get either offer you must use SoFi's promotional link and complete enrollment with a valid payment method. The offer is valid through April 29, 2028 at 11:59:59 p.m. PT, only for new members in the contiguous United States, one per subscription type per SoFi Plus member, and the offer and link may not be shared or transferred.

Supporting quotations

(xvii) $129 subscription to The Wall Street Journal:

Promotion provided and fulfilled by Dow Jones (publisher of The Wall Street Journal and MarketWatch).

SoFi Plus members are eligible for a one-time $129 discounted annual digital subscription for The Wall Street Journal and a discounted digital subscription to MarketWatch, billed as $2 every four (4) weeks for one year.

To receive either offer, members must:

Access the promotional link provided by SoFi; and

Complete subscription enrollment(s) with a valid payment method.

This offer is valid through 4/29/2028 at 11:59:59 PM PT and available to new members only in the contiguous United States. Limit one offer per subscription type per SoFi Plus member. This offer and promotional link are intended for active SoFi Plus members only and may not be shared or transferred.

Qualifications & exceptions

• Available to new members only in the contiguous United States.

Not stated here

• SoFi Plus eligibility is cross-referenced as "sections 10(b-c) herein"; this source has no numbered section 10 and labels SoFi Plus eligibility and the subscription fee as parts (b) and (c).

Charges & Financial Obligations · Restriction or exception

WSJ and MarketWatch subscriptions auto-renew at full price after a year unless you cancel with Dow Jones

After the one-year promotional period, the subscriptions automatically renew at The Wall Street Journal or MarketWatch current standard rate unless canceled before the renewal date. Pricing can change, amounts are in U.S. dollars plus applicable taxes and fees, and offers can be modified or discontinued without notice. You must manage or cancel the subscriptions directly with the provider, and cancellation and billing follow the publisher's terms. The benefit is provided by Dow Jones, not SoFi or its affiliates, and is subject to Dow Jones' subscription terms and the WSJ or MarketWatch Terms of Service.

Supporting quotations

After the initial one (1) year promotional period, subscriptions will automatically renew at The Wall Street Journal or MarketWatch current standard rate unless canceled prior to the renewal date. Pricing is subject to change.

Offers are subject to availability and may be modified or discontinued at any time without notice.

SoFi Plus members are responsible for managing or canceling their subscriptions directly with the provider. Cancellation terms and billing practices are governed by the applicable publisher’s terms.

This SoFi member benefit is provided and fulfilled by Dow Jones, not by SoFi or its affiliates. Subject to Dow Jones subscription terms and conditions.

Qualifications & exceptions

• Renewal is at the publisher's then-current standard rate.
• Cancellation is handled with Dow Jones, not SoFi.

Not stated here

• Dow Jones subscription terms and the WSJ and MarketWatch Terms of Service are linked but not supplied; the standard renewal rate is not stated.

Charges & Financial Obligations · Restriction or exception

New ClassPass users get 55 credits for a one-month trial and are charged unless they cancel before it ends

Fulfilled by ClassPass, SoFi Plus members who sign up for ClassPass for the first time through the SoFi link get 55 free credits valid for one month. ClassPass is a credit-based membership for gyms, studios, salons and spas. To get the credits you must open SoFi's promotional link, sign up for a one-month ClassPass trial, and enter a payment method to be used if the membership is not canceled during the trial. Credits must be used within one month of enrollment and do not carry over. You must cancel before the trial month ends to avoid a monthly ClassPass fee. Existing ClassPass users who upgrade through the link get 15 free credits. Only one ClassPass promotion per SoFi Plus member; the link may not be shared; valid through February 28, 2027 at 11:59 p.m. PT.

Supporting quotations

(xviii) ClassPass free trial:

Promotion provided and fulfilled by ClassPass.

SoFi Plus members who sign up for ClassPass for the first time via the SoFi link will receive 55 free credits, valid for one month. ClassPass is a credit-based membership that gives you access to thousands of gyms, fitness studios, salons, and spas.

To receive these credits, members must: 1) open the promotional link provided by SoFi; 2) sign up for a ClassPass one month trial; and 3) enter a payment method for use if the Class Pass membership is not canceled during the trial month. The 55 free credits must be used within one month from the date of enrollment and cannot be carried over to the next month. SoFi Plus Members must cancel their ClassPass membership before the end of their trial month to avoid being charged a monthly ClassPass membership fee.

Existing ClassPass users who use the link to upgrade their current plan will receive 15 free credits. Only one ClassPass promotion can be used per SoFi Plus member. This offer is intended for SoFi Plus members only, and you are prohibited from sharing the link. Promotion valid through February 28, 2027 at 11:59 PM PT.

Qualifications & exceptions

• The trial converts to a paid monthly ClassPass membership unless canceled before the trial month ends.

Not stated here

• SoFi Plus eligibility is cross-referenced as "sections 10(b-c) herein"; this source has no numbered section 10 and labels SoFi Plus eligibility and the subscription fee as parts (b) and (c).
• The monthly ClassPass fee is not stated.

Charges & Financial Obligations · Restriction or exception

SoFi Plus members save 10% on Vivid Seats tickets, up to $50 per order, through July 15, 2027

SoFi Plus members can save 10% on Vivid Seats live event tickets, up to $50 off per order, excluding taxes, fees and insurance products. The promo code is applied automatically through SoFi's link; entering another code voids it, only one code per order is allowed, codes cannot be stacked, and the code or link may not be shared. The promotion is valid through July 15, 2027 at 11:59 p.m. PT. Ticket prices may be above or below face value and can change at any time; questions go to Vivid Seats support.

Supporting quotations

(xix) 10% off tickets with Vivid Seats:

SoFi Plus members are eligible to save 10% on Vivid Seats’ inventory of live event tickets, up to a maximum discount of $50 per order, excluding any taxes, fees, or insurance products, as shown on the website.

You will not need to enter a promo code at checkout. By clicking on the link in the marketing material you received from SoFi, a promo code will be automatically applied. If you enter another promo code at checkout, it will void the original discount. Only one promo code can be used per order. Promo codes cannot be stacked. The discount code is intended for SoFi Plus members only, and you are prohibited from sharing the code or link. Promotion valid through July 15, 2027 at 11:59 PM PT.

Prices may be higher or lower than face value. Inventory and listed ticket prices are subject to change at any time.

Charges & Financial Obligations · Restriction or exception

SoFi Plus members get 20% off TurboTax federal filing and a free tax expert consultation through 2026

SoFi Plus members can get 20% off a TurboTax Federal filing and a free consultation with a TurboTax tax professional by enrolling through the link in SoFi's marketing material; the discount applies automatically. Entering another code may void it, one code per SoFi Plus member, no stacking, and the link may not be shared. The promotion is valid through December 31, 2026 at 11:59 p.m. PT. It is a limited-time offer for TurboTax 2025, applies to federal products only, and actual prices are set at print or e-file and can change without notice.

Supporting quotations

(xx) 20% off with TurboTax:

SoFi Plus members are eligible to receive 20% off TurboTax Federal filing and a free consultation with a TurboTax tax professional when they sign up through the link provided by SoFi.

If you enter another promotional code during sign-up or checkout, it may void this promotion. Only one promotional code can be used per SoFi Plus member. Promotional codes cannot be stacked. This offer is intended for SoFi Plus members only, and you are prohibited from sharing the link. Promotion valid through December 31, 2026 at 11:59 PM PT.

Limited time offer for TurboTax 2025. Discount applies to TurboTax federal products only. Actual prices are determined at the time of print or e-file and are subject to change without notice.

Qualifications & exceptions

• Applies to TurboTax federal products only, for TurboTax 2025.

Not stated here

• SoFi Plus eligibility is cross-referenced as "sections 10(b-c) herein"; this source has no numbered section 10 and labels SoFi Plus eligibility and the subscription fee as parts (b) and (c).

Charges & Financial Obligations · Restriction or exception

New Seated users get a one-time $20 dining credit after linking a card and making a first eligible purchase

SoFi Plus members can get a one-time $20 reward credit from Seated by downloading the Seated app through SoFi's link and completing a first eligible transaction. The offer is for new Seated users only: click SoFi's link and install the app, link a payment card, and make a purchase at an Affiliated Establishment (as defined in Seated's Terms of Service) with the linked card. Seated then provides the $20 credit within two to four business days. The code applies automatically; another code may void it; one code per account; no stacking; the code or link may not be shared. Valid through December 31, 2026 at 11:59 p.m. PT.

Supporting quotations

(xxi) $20 reward on dining with Seated:

SoFi Plus members are eligible to receive a one-time $20 reward credit from Seated when they download the

This offer is available to new Seated users only. Members can earn a $20 Seated credit by completing all of the following actions: (i) click on the link in the marketing material you receive from SoFi and install the Seated app, (ii) link a payment card to Seated, and (iii) make a purchase from an Affiliated Establishment, as defined in Seated’s Terms of Service, using your linked card (the “Eligible Transaction”). Once all required actions have been completed, Seated will provide the $20 credit within two (2) to four (4) business days.

This offer is intended for SoFi members only, and you are prohibited from sharing the code or link. Promotion valid through December 31, 2026 at 11:59 PM PT.

Qualifications & exceptions

• The benefit heading names SoFi Plus members, while the offer details say the offer is intended for SoFi members only.

Not stated here

• SoFi Plus eligibility is cross-referenced as "sections 10(b-c) herein"; this source has no numbered section 10 and labels SoFi Plus eligibility and the subscription fee as parts (b) and (c).
• Seated's Terms of Service defining Affiliated Establishment are not supplied.

Charges & Financial Obligations · Restriction or exception

New Care.com users with SoFi Plus can get a 12-month Premium membership for $99 through 2026

SoFi Plus members who are new Care.com users can sign up for a discounted 12-month Premium Care.com Membership for $99 through the link in SoFi's marketing material; the discount applies automatically. Another code may void it, one code per SoFi Plus member, no stacking, and the link may not be shared. Valid through December 31, 2026 at 11:59 p.m. PT. The benefit is provided by Care.com, not SoFi or its affiliates, under Care.com's Terms of Service, and Care.com and SoFi may modify or cancel it at any time without notice.

Supporting quotations

(xxii) $99 Care.com subscription:

SoFi Plus members are eligible to sign up for a discounted 12-month Premium Care.com Membership subscription for $99 when they sign up through the link provided by SoFi.

This offer is available to new Care.com users only.

If you enter another promotional code during sign up or checkout, it may void this promotion. Only one promotional code can be used per SoFi Plus member. Promotional codes cannot be stacked. This offer is intended for SoFi Plus members only, and you are prohibited from sharing the link. Promotion valid through December 31, 2026 at 11:59 PM PT.

Care.com and SoFi reserve the right to modify or cancel this offer at any time without notice. This SoFi member benefit is provided and fulfilled by Care.com, not by SoFi or its affiliates.

Not stated here

• SoFi Plus eligibility is cross-referenced as "sections 10(b-c) herein"; this source has no numbered section 10 and labels SoFi Plus eligibility and the subscription fee as parts (b) and (c).
• Care.com's Terms of Service are linked but not supplied.

Charges & Financial Obligations · Restriction or exception

New Rakuten accounts opened via SoFi's link earn $50 after a $50 qualifying purchase within 90 days

SoFi Plus members can get a $50 Rakuten Welcome Bonus, provided by Rakuten, by creating a new Rakuten account through the link in SoFi's marketing communications. Existing Rakuten members are not eligible, you may not use an email already registered with Rakuten, and the link may not be shared. The one-time $50 is paid into your Rakuten account after a Qualifying Purchase of $50 or more within 90 days of signing up, and is added to your next Cash Back payment once requirements are met. You must live in the 50 states or Washington, D.C.; Puerto Rico and U.S. Virgin Islands residents are excluded. It cannot be combined with other Rakuten offers, including the Referral Welcome Bonus, and is limited to one per customer. A Qualifying Purchase is one that earns Cash Back through Rakuten, as Rakuten decides. The offer runs from April 28, 2025 until Rakuten ends it. Cash back is provided by Rakuten, not SoFi.

Supporting quotations

(xxiii) $50 Rakuten welcome bonus:

SoFi Plus members are eligible for a $50 Rakuten Welcome Bonus.

To be eligible for the $50 Welcome Bonus (provided by Rakuten), you must (i) be a SoFi Plus member and (ii) create a new Rakuten account by clicking on the link included in the marketing communications that you received directly from SoFi. The link included in the marketing communications is intended for SoFi Plus members only, and you are prohibited from sharing the link. Existing Rakuten members are not eligible for this promotion. Additionally, you are not permitted to create a Rakuten account with an email address already registered with Rakuten.

Upon creating a new Rakuten account, SoFi Plus members shall receive a one time $50 Welcome Bonus into their Rakuten account after making a Qualifying Purchase of $50 or more within 90 days of signing up to Rakuten. To be eligible for this promotion, you must be a resident of the 50 United States or Washington D.C. Residents of Puerto Rico and the U.S. Virgin Islands are not eligible. Not combinable with other Rakuten offers, including the Referral Welcome Bonus. Limit one (1) Welcome Bonus per customer.

The Welcome Bonus will be added to your next Cash Back payment once the eligibility requirements are met. Offer is valid from April 28, 2025 until this promotion ends at the sole discretion of Rakuten.

Cash back provided by Rakuten, not SoFi. This SoFi Plus benefit is provided by Rakuten, not by SoFi or its affiliates.

Qualifications & exceptions

• Only new Rakuten accounts with an email not already registered qualify.
• Residents of Puerto Rico and the U.S. Virgin Islands are excluded.

Not stated here

• SoFi Plus eligibility is cross-referenced as "sections 10(b-c) herein"; this source has no numbered section 10 and labels SoFi Plus eligibility and the subscription fee as parts (b) and (c).
• Rakuten's Terms & Conditions are linked but not supplied.

Charges & Financial Obligations · Restriction or exception

SoFi Plus members get $200 off a first Trust & Will trust purchase, and SoFi may be paid by the provider

SoFi Plus members can get a $200 discount on the initial purchase of a Trust through the link in the Membership & Rewards Center, applied at checkout. It cannot be combined with other offers, later upgrades are not discounted, the offer began February 11, 2025, and it may be ended or changed at any time without notice. The benefit is provided by Trust & Will, not SoFi or its affiliates, and SoFi may be compensated by the benefit provider.

Supporting quotations

(xxiv) $200 off a Trust plan:

SoFi Plus members are eligible for a $200 discount on the initial purchase of a Trust.

The discount can be applied by using the link provided in the Membership & Rewards Center. Discount applied at checkout. Cannot be combined with other offers or discounts. Subsequent upgrades aren’t eligible for discount. This offer begins on February 11, 2025. This offer may be terminated or changed at any time without notice.

This SoFi Plus benefit is provided by Trust & Will, not by SoFi or its affiliates. SoFi may be compensated by the benefit provider.

Qualifications & exceptions

• SoFi may receive compensation from Trust & Will.

Not stated here

• SoFi Plus eligibility is cross-referenced as "sections 10(b-c) herein"; this source has no numbered section 10 and labels SoFi Plus eligibility and the subscription fee as parts (b) and (c).
• Trust & Will's Terms of Service are linked but not supplied.

Charges & Financial Obligations · Restriction or exception

SoFi Plus members get 50% off HelloPrivacy data broker removal, which auto-renews yearly until canceled

SoFi Plus members can get 50% off an annual subscription to HelloPrivacy's Data Broker Monitoring and Removal service, using the code and link in the Membership & Rewards Center at checkout. The code may not be shared, fees and taxes apply, the discount has been available since January 27, 2025, and SoFi may end or change it at any time. You must give a valid payment method, and the service automatically renews every year at the discounted rate until you end the HelloPrivacy subscription.

Supporting quotations

(xxv) 50% off online privacy protection:

SoFi Plus members are eligible for a 50% discount on an annual subscription to HelloPrivacy’s Data Broker Monitoring and Removal service.

The discount can be applied at checkout on the HelloPrivacy site using the discount code and link provided in the Membership & Rewards Center. The discount code is intended for SoFi Plus members only, and you are prohibited from sharing the code or link. Fees and taxes apply. Discount available to SoFi Plus members beginning 1/27/25. SoFi reserves the right to terminate or make changes to this discount at any time.

You must provide a valid payment method at checkout and the service will automatically renew at the discounted rate every year until you terminate the HelloPrivacy subscription.

Qualifications & exceptions

• The subscription auto-renews annually until you terminate it.

Not stated here

• SoFi Plus eligibility is cross-referenced as "sections 10(b-c) herein"; this source has no numbered section 10 and labels SoFi Plus eligibility and the subscription fee as parts (b) and (c).

Charges & Financial Obligations · Restriction or exception

HelloPrivacy charges your card each renewal period until you cancel with HelloPrivacy, under its own terms

For the HelloPrivacy benefit you must provide a valid payment method; the service renews every year at the discounted rate until you end it, and your payment method is charged at the start of each period for that period's fees and taxes. You must cancel before the renewal date to avoid future charges; HelloPrivacy's Terms of Service explain how, including by calling (646) 863-8226. You become subject to HelloPrivacy's Privacy Policy and Terms & Conditions. Fees, content and features can change, and the offer cannot be combined with others. The benefit is provided by HelloPrivacy (dba BrandYourself), not SoFi or its affiliates.

Supporting quotations

You must provide a valid payment method at checkout and the service will automatically renew at the discounted rate every year until you terminate the HelloPrivacy subscription. Your payment method will automatically be charged at the start of each subscription period for the fees and taxes applicable to that period. You must cancel your subscription before the renewal date to avoid future charges.

You will be subject to HelloPrivacy’s Privacy Policy and Terms & Conditions.

All fees, content, and features are subject to change. This offer cannot be combined with any other offer.

This SoFi Plus benefit is provided by HelloPrivacy (dba BrandYourself), not by SoFi or its affiliates.

Qualifications & exceptions

• Cancellation must happen before the renewal date and is handled with HelloPrivacy.

Not stated here

• HelloPrivacy's Terms of Service and Privacy Policy are linked but not supplied.

Charges & Financial Obligations · Restriction or exception

SoFi Plus members get CNBC+ for $89.99 for a year (40% off) through February 15, 2027

SoFi Plus members can get 40% off a $149.99 one-year CNBC+ subscription, for $89.99 a year plus taxes and fees, by subscribing through the link in SoFi's marketing communication; the discount applies at checkout and the link may not be shared. The offer expires February 15, 2027 at 11:59:59 p.m. PT and is only for legal U.S. residents who are 18 or older (or the age of majority where they live, if older) and not current CNBC+ members. It is subject to the CNBC Terms of Service and NBCUniversal's Privacy Policy, cannot be combined, has no cash value except where law requires, and is limited to one per customer and account. It is provided by CNBC LLC, not SoFi, and CNBC may modify or cancel it at any time for any reason.

Supporting quotations

(xxvi) 40% off CNBC+:

SoFi Plus members are eligible for a 40% discount on a $149.99 (plus applicable taxes and fees) one-year subscription to CNBC+, for a total of $89.99/year (plus applicable taxes and fees), subject to applicable terms and conditions (the “Offer”).

The discount can be applied by using the link in the marketing communication to subscribe to CNBC+. Discount applied at checkout. The link in this communication and the Offer are intended for active SoFi Plus members only and may not be transferred or shared.

Offer expires 02/15/27 at 11:59:59pm (U.S. Pacific Time). You are only eligible to redeem this offer if you are (i) a legal resident of the U.S., and (ii) 18 years and older (or the age of majority in your jurisdiction of residence, whichever is older). This Offer is not available to current CNBC+ members.

Not valid with any other offers. No cash value, except as where required by law. Offer limited to one per customer and account.

This SoFi Plus benefit is provided by CNBC LLC, not by SoFi or its affiliates. CNBC LLC reserves the right to modify or cancel the Offer at any time and for any reason.

Qualifications & exceptions

• Using the offer subjects you to NBCUniversal's Privacy Policy and the CNBC Terms of Service.

Not stated here

• SoFi Plus eligibility is cross-referenced as "sections 10(b-c) herein"; this source has no numbered section 10 and labels SoFi Plus eligibility and the subscription fee as parts (b) and (c).
• The CNBC Terms of Service and NBCUniversal Privacy Policy are linked but not supplied; the renewal price after the first year is not stated.

Charges & Financial Obligations · Context

SoFi Insurance Agency is an independent agency, not the insurer, and does not seek the best policy for you

SoFi Insurance Agency is an independent insurance agency that lets you learn about policies offered by insurance carriers; SoFi is not the insurer and does not undertake to find the "best" or most appropriate policy for you. Any information SoFi gives about possible policies is based only on preliminary information you provide, and you should weigh your own insurance needs and decide what coverage is right for you. The source sentence literally says "SoFi is a fiduciary for you", while the same sentence disclaims finding the best policy and the AtWork terms say SoFi is not a fiduciary.

Supporting quotations

SoFi Insurance Agency

SoFi Insurance Agency is an independent insurance agency. We offer you the opportunity to learn about insurance policies offered by insurance carriers, but SoFi is not the insurer, and SoFi is a fiduciary for you, and SoFi does not undertake to find the “best” or most appropriate policy for you.

If SoFi provides you with information about possible policies to consider, we do so based upon only preliminary information you provide. You should carefully consider your insurance needs and make decisions about what coverages are right for you.

Qualifications & exceptions

• Information about possible policies is based only on preliminary information you provide.

Not stated here

• The literal text "SoFi is a fiduciary for you" sits between two limiting clauses ("SoFi is not the insurer" and "does not undertake to find the best... policy"); whether a "not" was intended is not stated, so the fiduciary status for insurance is unresolved.

Cross-references

• contrast (model-proposed): Through AtWork, SoFi is not your fiduciary and provides no retirement or employment benefits — contrast: The insurance agency text literally says "SoFi is a fiduciary for you" while disclaiming the best-policy search, whereas the AtWork terms state SoFi is NOT a fiduciary. They concern different services, and whether a "not" was intended in the insurance sentence is not stated; reviewed as a tension, not resolved.

Charges & Financial Obligations · Company practice

SoFi earns fees and commissions from insurance carriers when it connects you or a policy is placed

When SoFi connects you to an insurance carrier, the carrier pays SoFi fees, in some cases only if you obtain a policy. When SoFi gathers your information and helps you get one or more quotes, it may be paid a commission by insurance companies for each policy placed.

Supporting quotations

In cases where we connect you to an insurance carrier, we get paid fees by the carrier, in some cases if you obtain a policy. In some cases we gather information from you and assist you in getting a quote, or more, and in those cases we may get paid a commission by insurance companies for each policy placed.

Charges & Financial Obligations · Context

Insurance quotes on the SoFi Site are non-binding; the insurer sets the final premium after you apply

Insurance quotes shown on the SoFi Site are non-binding; the underwriting insurer sets the final premium after you submit an application. Policies SoFi promotes depend on product availability and your eligibility, prices may depend on your truthful answers to a health questionnaire, not all promoted policies are available in every state, and savings vary by term, policy amount, health class and state. SoFi Insurance Agency's state licenses and lines of authority are listed on SoFi's Licenses page.

Supporting quotations

Insurance policy quotes shown on SoFi Site are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following you submitting an application.

SoFi may at times promote that certain policies may be available through the SoFi Site. All policies are subject to product availability and your eligibility, and availability of prices may depend upon your truthful answers to a health questionnaire. Not all policies promoted may be available in all states. Savings may vary by term, policy amount, health class and state.

for SoFi Insurance Agency State Licenses and lines of authority.

Not stated here

• The Licenses page is linked but not supplied.