SoFi Terms of Use

Charges & Financial Obligations · Restriction or exception

You pay messaging charges, and SoFi can modify or end text messaging without notice

SoFi may use any means of communication to reach you even if you incur costs to receive the messages, including phone, text, email or other means. You are responsible for all charges, including text messaging fees, imposed by your communications service provider, and the charges appear on your phone bill. Message frequency depends on account status or settings. SoFi may modify or terminate its 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.

Supporting quotations

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.

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.

Qualifications & exceptions

• Charges are those imposed by your communications service provider.
• SoFi's right to modify or end text messaging is stated to be without liability to you.

Charges & Financial Obligations · Context

SoFi Invest requires a separate customer agreement, and investments are not FDIC insured and may lose value

SoFi offers access to 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, LLC. The Agreement states that all investments are not FDIC insured, are not bank guaranteed and may lose value.

Supporting quotations

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.

Qualifications & exceptions

• SoFi Invest is offered by SoFi Securities, LLC, not by the SoFi Site itself.

Not stated here

• The SoFi Securities customer agreement was not supplied with this document.

Charges & Financial Obligations · Restriction or exception

Coach is an AI tool; only your confirmation of the order card authorizes a trade

SoFi Coach is an AI-enabled tool provided by Social Finance, LLC. Its first-person language such as "I" or "me" refers to Coach, not to SoFi Securities LLC or a human financial professional. After you request a specific transaction, Coach can show an investment order card provided by SoFi Securities LLC. A prompt or Coach response is not an order and does not authorize a trade; only your affirmative confirmation of the exact terms displayed in the order-review 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.

Supporting quotations

SoFi Coach is an AI-enabled tool provided by Social Finance, LLC.

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

• The order card is shown after you request a specific transaction.
• Authorization comes only from your affirmative confirmation of the exact terms displayed in the card.

Not stated here

• The SoFi Securities Customer Agreement was not supplied with this document.

Charges & Financial Obligations · Context

SoFi only helps deliver your loan information to your employer, and employer contributions are extra payments

Your employer has engaged SoFi to assist the employer in obtaining information to make a contribution to your student loan account. The contribution is made by your employer to you, and SoFi's role is only to assist you in delivering your loan information to your employer. The employer's contribution does not reduce your monthly minimum loan payment; it is an additional payment intended to help you pay off your loan, and you must continue to make your required minimum payment or confirm the amount due.

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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.

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.

Qualifications & exceptions

• Applies when you receive contributions from your employer through SoFi.

Charges & Financial Obligations · Restriction or exception

You may enroll only Qualified Education Loans and attest to listed facts, and you will not enroll a delinquent loan

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 it was used solely for the cost of attendance and did not exceed it, was for an approved Title IV school, that you attended at least half time, and that the loan was for your or your dependent's cost of attendance. You will not enroll a delinquent loan unless directed to do so by your employer.

Supporting quotations

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

• The attestation has four parts: cost of attendance only, approved Title IV school, at least half-time attendance, and loan for you or your dependent.
• The delinquent-loan exception applies where your employer directs you to enroll it.

Not stated here

• Section 221(d) of the Internal Revenue Code is cited by name only and its text was not supplied; the Agreement's definition of "Qualified Education Loans" is stated as the IRS definition without being set out here.

Charges & Financial Obligations · Restriction or exception

You are responsible for checking that your employer's contributions are correct and received, and for reporting problems

You are responsible for confirming the amount contributed to your loan through your lender and 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, and 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 are not delivered correctly to your external accounts.

Supporting quotations

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.

Qualifications & exceptions

• Notice duty arises when you notice, or have reason to believe, funds are not delivered correctly to your external accounts.

Charges & Financial Obligations · Company practice

Lenders or their network managers pay SoFi fees that may affect which lenders SoFi selects and how they are shown

SoFi is paid a marketing fee from lenders and/or from MoneyLion or Quinstreet, which manage the lender network. The fee 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.

Supporting quotations

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.

Qualifications & exceptions

• Fee triggers are listed as examples ("various events, including").

Charges & Financial Obligations · Restriction or exception

Referral rewards: one reward and one welcome bonus per new customer per product, with an installment-loan exception

A person you refer must use your specific product referral link under the terms of the promotional campaign for that link. You have separate links for Personal Loans and Student Loans, Checking and Savings accounts, Invest products, and Credit Score Monitoring. Only one referral reward and one welcome bonus are available per new customer per product if the campaign rules are met, with the exception of referrals for new closed end unsecured installment loans. You will not receive multiple referral bonuses for the same person using multiple promotions, and those referred will not receive multiple welcome bonuses, unless the promotion is for a new closed end unsecured installment loan they have not previously obtained. You receive an additional referral bonus for the same person funding a new personal loan, new student loan refinance or new private student loan, if the person applies through that product's referral link and has not previously obtained that type of loan.

Supporting quotations

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.

Qualifications & exceptions

• The one-reward limit applies per new customer per product and only if the promotional campaign rules are met.
• The exception applies to new closed end unsecured installment loans the person has not previously obtained.

Charges & Financial Obligations · Restriction or exception

SoFi may disqualify referrers, refuse referrals, and seek reimbursement of bonuses, even causing a negative balance

SoFi reserves the right to review, investigate and disqualify anyone from the SoFi Referral Program at any time, and not to honor any referral which in its sole discretion was solicited in a manner inconsistent with the spirit or terms of the program. SoFi also reserves the right to seek reimbursement from any customer of amounts paid as Referral Bonuses to customers who violate the program's terms, and in certain circumstances deducting such amounts from their account may result in a negative balance.

Supporting quotations

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.

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

• Whether a referral was solicited inconsistently with the program's spirit or terms is judged in SoFi's sole discretion.
• Reimbursement is sought for bonuses paid to customers who violate the terms.

Charges & Financial Obligations · Restriction or exception

No one may receive more than $10,000 in referral and welcome bonuses in a calendar year, and SoFi may cap link uses

In no event will any person be entitled to receive more than $10,000 in cumulative referral or welcome bonuses under the Referral Programs within any calendar year. SoFi also reserves the right at any time to limit the maximum number of 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.

Qualifications & exceptions

• The cap is per person, cumulative across the Referral Programs, per calendar year.

Charges & Financial Obligations · Company practice

Referral and welcome bonuses are miscellaneous income that SoFi may report to the IRS, and you are responsible for taxes

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 says it is required to do this reporting under applicable federal and state requirements. The recipient is responsible for applicable 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

Charges & Financial Obligations · Restriction or exception

Referrers are independent contractors; W-9 may be required, and unclaimed payments are forfeited after 180 days

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. SoFi may require a Form W-9 before paying any referral or welcome bonus. Payments not claimed within 180 days of the date the funds were made available, because the direct deposit bank account or required tax information was not provided, are subject to forfeit.

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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

• The forfeiture applies to payments unclaimed within 180 days because the bank account or required tax information was not provided.

Charges & Financial Obligations · Restriction or exception

Loan referral credit needs the recipient to use the link and finish requirements within 120 days

To receive credit, the referrer must send a unique referral link to an Eligible Loan Recipient, who must use it and complete all specified promotional requirements within 120 days after receiving the link and meet the terms of the specific promotional campaign. For the recipient to receive a Loan Welcome bonus on a SoFi Personal Loan, the loan must still be active and in good standing 90 days after disbursement, meaning the account is open, not paid off, and the borrower is current with no defaults or violations. For Private Student Loan referrals, the recipient and referrer receive their bonus 60 days after the first loan disbursement, the referrer can earn a maximum of 5 total referral bonuses for that product, and no payments are made if the referrer is employed by a qualified educational institution.

Supporting quotations

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

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

• The 120-day period runs from the recipient's receipt of the referrer's unique referral link.
• The 90-day good-standing condition is stated for the recipient's Loan Welcome bonus on a SoFi Personal Loan.
• The 5-bonus maximum and employment exclusion are stated for the Private Student Loan product.

Charges & Financial Obligations · Restriction or exception

Loan referral bonuses go into SoFi Bank accounts, once per recipient per loan type, with exclusions

When the recipient uses the referrer's link and meets the campaign terms, SoFi Bank or its designee pays the referrer a Loan Referral Bonus and the recipient a Loan Welcome Bonus, each into a SoFi Bank Checking or Savings account in the amount specified in the campaign for that link. Only one Loan Referral Bonus and one Loan Welcome Bonus are awarded for each referred recipient, per loan type, even if the recipient takes out multiple Eligible Loans. No Loan Referral Bonus is paid to otherwise eligible referrers who are Vermont residents, or for otherwise funded loans made to Vermont residents. A referrer earns no bonus if the recipient has or had a funded SoFi loan account of the same type or does not use the referrer's unique link.

Supporting quotations

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

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

• Bonus amounts are those specified in the promotional campaign for the link used.
• The Vermont exclusions cover both Vermont-resident referrers and loans made to Vermont residents.

Charges & Financial Obligations · Restriction or exception

The $1,000 Medical and Dental Referral Offer needs funding and 90 days in good standing

This offer is subject to lender approval, is not available to residents of Vermont, and is open only to new medical or dental Student Loan Refinance borrowers; it may not be combined with other offers aside from the autopay discount. For the referrer and recipient each to receive a $1,000 bonus, the referee must register and apply for a medical or dental student loan refinance through the referral link, meet SoFi's underwriting criteria, fund a loan with SoFi, and have or apply for a SoFi Checking and Savings or have a SoFi Money account. After disbursement the loan must remain active and in good standing for ninety days, then both bonuses are deposited within 30 calendar days. Bonuses not redeemed within 180 calendar days of being made available may be subject to forfeit. Bonuses of $600 or greater in a single calendar year will be reported to the IRS on Form 1099-MISC, and the recipient is responsible for taxes. SoFi reserves the right to change or terminate the offer at any time with or without notice.

Supporting quotations

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.

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.

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.

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

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

Qualifications & exceptions

• Not available to residents of Vermont; open only to new medical or dental Student Loan Refinance borrowers.
• Good standing means the account is open, not paid off, and the borrower is current with no defaults.
• Forfeiture applies to bonuses not redeemed within 180 calendar days of being made available.

Charges & Financial Obligations · Restriction or exception

The referred person must open a new account through the link within 90 days and fund it with at least $25

Eligible Invest Referrers must share their unique referral link with a person they wish to refer. To earn bonuses, the Eligible Invest Recipient must open a new SoFi Invest Self-Directed Invest Account using the referrer's unique link within 90 days of clicking the link, fund the new account with a minimum deposit of $25.00, and meet any additional terms of a specific promotional campaign associated with the link.

Supporting quotations

Eligible Invest Referrers must share their unique referral link with an Eligible Invest Recipient they wish to refer.

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.

Qualifications & exceptions

• The 90 days run from the recipient clicking the referral link.

Charges & Financial Obligations · Company commitment

Invest referral: $50 cash bonus to the referrer and $25 stock bonus to the new customer, once per recipient

When the conditions are met, SoFi Securities LLC credits the referrer's Invest account with a $50 cash bonus and credits the new Self-Directed Invest Account with a $25 stock bonus. Only one $50 cash bonus and one $25 stock bonus are awarded for each referred recipient. The referrer does not earn the $50 cash bonus if the recipient has or previously had a funded SoFi Invest account, does not use the referrer's unique link, or is on an opt-out list. SoFi cannot disclose to the referrer information about new accounts opened by recipients. By sending a referral link, you agree that you have express consent to send the recipient promotional messages about SoFi's products and services.

Supporting quotations

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”).

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.

Qualifications & exceptions

• The bonuses are paid when the recipient has met the stated conditions.

Charges & Financial Obligations · Context

Bank Referral Program runs October 1 to November 4, 2026 with a Standard and a SoFi Plus bonus

The SoFi Bank Referral Program terms govern participation during the Promotion Period, which runs from October 1, 2026 at 12:00 a.m. E.T. to November 4, 2026 at 11:59 p.m. E.T. The promotion provides a Standard Bonus for each qualifying referral, with amounts differing for the Eligible Bank Referrer ($75 or $100) and the Eligible Recipient ($25), 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.

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).

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)

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

Promotion Period

October 1, 2026 at 12:00 a.m. E.T. – November 4, 2026 at 11:59 p.m. E.T.

Qualifications & exceptions

• The Promotion Period is stated in Eastern Time.
• The SoFi Plus Additional Bonus applies if the recipient subscribes to SoFi Plus within the required timeframe described in the terms.

Not stated here

• The conditions that determine whether the referrer receives $75 or $100, and the SoFi Plus timeframe, are set out in the Standard Bonus and later sections, not here.

Charges & Financial Obligations · Restriction or exception

The Bank Referral offer is limited-time and can change or expire at any time

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

Supporting quotations

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.

Qualifications & exceptions

• Qualification requires all required activities to be completed during the Promotion Period.

Charges & Financial Obligations · Restriction or exception

Standard Bonus: recipient opens an account as their first SoFi product and deposits $50 within 25 days

To be eligible for the Standard Bonus, an Eligible Recipient must apply and successfully open a SoFi Checking and Savings account before the end of the Promotion Period as their first SoFi product, by opening the referral link from their friend. Individuals who previously applied for but did not successfully open or enroll in another SoFi product remain eligible. The recipient must also make deposits totaling $50 or more, initiated during the 25 calendar day period beginning on the day after they register or log in as a SoFi user by opening the referral link; that period ends at 11:59 p.m. E.T. on the twenty-fifth day following registration or login.

Supporting quotations

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)

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.

Qualifications & exceptions

• The account must be the recipient's first SoFi product.
• The 25-day period begins the day after registering or logging in through the referral link.

Charges & Financial Obligations · Restriction or exception

Which deposits count toward the $50 requirement: ACH, direct deposit, cash and wires count; P2P and FedNow do not

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. 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

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

Qualifications & exceptions

• Instant funding and mobile check deposit count only "if available".
• P2P services listed are examples ("such as") and "similar services" are also covered.

Charges & Financial Obligations · Restriction or exception

SoFi Plus Additional Bonus needs the Standard Bonus plus a $10/month SoFi Plus subscription within 25 days

To be eligible for the SoFi Plus Additional Bonus, an Eligible Recipient must first satisfy all Standard Bonus requirements 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. The $10/month SoFi Plus payment must be processed and validated by SoFi. The 25-day period begins the day after registration or login and ends at 11:59 p.m. E.T. on the twenty-fifth day. The recipient must open a SoFi Checking and Savings account before subscribing to SoFi Plus.

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.

Qualifications & exceptions

• The subscription is $10/month and the payment must be processed and validated by SoFi.
• The recipient must open the Checking and Savings account before subscribing.

Charges & Financial Obligations · Company commitment

Standard Bonus: recipient gets $25; referrer gets $100 or $75 depending on status when the recipient signs up

Once both the referrer and recipient have met all eligibility requirements, SoFi credits each a cash bonus into their SoFi Checking account. The recipient receives $25 for opening a SoFi Checking and Savings account and making deposits totaling $50 or more. The referrer receives $100 if, at the time the recipient registers or logs in as a SoFi user (measured in Eastern Time), the referrer is a SoFi Plus Member, has received an Eligible Direct Deposit into their SoFi Checking and Savings account, or has received $5,000 or more in Qualifying Deposits. The referrer receives $75 if the referrer is not a SoFi Plus Member, does not meet the Eligible Direct Deposit definition, or has not received $5,000 or more in Qualifying Deposits. Eligible Direct Deposit means a recurring ACH deposit of regular income, such as payroll, pension or government benefits, from an employer, payroll provider, benefits provider or government agency; non-recurring deposits such as IRS tax refunds, check deposits, P2P transfers, merchant transactions, ACH transfers from external bank accounts and wires do not qualify. Qualifying Deposits are deposits totaling $5,000 or more into the referrer's SoFi Checking and Savings account within a 31-calendar-day period, excluding transfers between the referrer's own SoFi accounts, interest, bonuses and credits, reversals or refunds. SoFi Bank assesses both in its sole discretion and may require documentation.

Supporting quotations

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")

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

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).

$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).

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.

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.

Qualifications & exceptions

• The referrer's amount is determined by the referrer's status at the time the recipient registers or logs in, in Eastern Time.
• The $100 amount applies if any one of the three conditions is met.
• The $75 tier is worded with the same three tests joined by "or": "is not a SoFi Plus Member, does not meet the Eligible Direct Deposit, or has not received $5,000 or more".
• Eligible Direct Deposit and Qualifying Deposits are assessed by SoFi Bank in its sole discretion.

Not stated here

• Read literally, a referrer who meets one $100 test but fails another could fall within both the $100 and $75 descriptions; the text does not say which amount applies in that case.

Cross-references

• defined by (model-proposed): Eligible Direct Deposit means recurring regular-income ACH deposits; SoFi Bank decides in its sole discretion — The Definitions section defines Eligible Direct Deposit, which is one of the tests for the referrer's $100 Standard Bonus.

Charges & Financial Obligations · Company commitment

SoFi Plus Additional Bonus: $25 each for the recipient and the referrer

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 credits the recipient a $25 cash bonus and the referrer a $25 SoFi Plus Additional Bonus, each into their SoFi Checking account.

Supporting quotations

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.

Qualifications & exceptions

• The payment must be processed and validated by SoFi within 25 calendar days.

Charges & Financial Obligations · Company commitment

Bonuses are credited within seven business days of validation, and no later than 74 days after qualifying activity

Once all qualifying activities for a particular bonus are completed and validated by SoFi, that 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 were completed. The Standard Bonus is earned after the recipient opens an account and completes deposits totaling $50 or more, with the referrer's $75 or $100 amount fixed when the recipient registers or logs in (E.T.). The SoFi Plus Additional Bonus can be earned only after the Standard Bonus requirements are satisfied and the recipient enrolls in SoFi Plus within the required timeframe. The two bonuses may be issued separately and at different times.

Supporting quotations

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.

The Standard Bonus is earned after the Eligible Recipient opens a SoFi Checking and Savings account and completes deposits totaling $50 or more.

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.

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

Qualifications & exceptions

• Seven business days runs from completion and validation of qualifying activities for that bonus; the 74-day outer limit runs from completion of the qualifying activities.

Charges & Financial Obligations · Restriction or exception

Referrers need an open Checking and Savings account at payment time or SoFi need not pay the bonus

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 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.

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.

Qualifications & exceptions

• The test is the referrer's account status at the time the bonus payment is issued.

Charges & Financial Obligations · Restriction or exception

Recipients get referral bonuses only once, and referrers are capped at $10,000 a calendar year

An Eligible Recipient may receive referral bonuses only once, when opening their first SoFi Checking and Savings account. After opening it, they may participate as an Eligible Bank Referrer and earn bonuses for their qualifying referrals, subject to the Bank Referral Program terms. No Eligible Bank Referrer is entitled to more than $10,000 in cumulative referral or direct deposit bonuses under all available SoFi referral programs within any calendar year. The offer cannot be combined with the SoFi Checking and Savings "Account $20 Open Offer". The terms also refer readers to the SoFi Referral Program Official Rules and full Bank Referral Program terms on SoFi's website.

Supporting quotations

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.

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

Qualifications & exceptions

• The $10,000 cap is stated per Eligible Bank Referrer, cumulative across all available SoFi referral programs, per calendar year.

Not stated here

• The Official Rules and full Bank Referral Program terms at the linked page were not supplied beyond the text in this document.

Charges & Financial Obligations · Company practice

Bonuses may be reported to the IRS; SoFi may exclude members and seek reimbursement of bonuses

Bonuses are considered miscellaneous income and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable), and SoFi says it is required to do this reporting. Recipients are responsible for applicable taxes and are told to consult a tax advisor. SoFi reserves the right to exclude any Member from participating in the Program for any reason, including suspected fraud, misuse or suspicious activity, and to seek reimbursement from any customer of amounts paid as referral bonuses to customers who violate the referral program's terms. Deducting such amounts from an account may in certain circumstances result in 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 is required to do this reporting in compliance with applicable federal and state reporting requirements.

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.

Qualifications & exceptions

• Exclusion is stated to be possible "for any reason", with suspected fraud, misuse and suspicious activity given as examples.

Charges & Financial Obligations · Context

Eligible Direct Deposit means recurring regular-income ACH deposits; SoFi Bank decides in its sole discretion

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 from other sources or non-recurring deposits, such as IRS tax refunds, do not qualify. Examples of ineligible deposits include check deposits, P2P transfers, merchant transactions, ACH transfers from external bank accounts and wire transfers. No minimum amount is required. SoFi Bank, in its sole discretion, assesses Eligible Direct Deposit activity and may require additional documentation. Because some employers or agencies do not designate payments as direct deposit, a referrer who believes they satisfied the requirements but did not receive the correct bonus can contact SoFi with details, and after SoFi validates them the correct bonus will be paid.

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.

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.

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.

Qualifications & exceptions

• The ineligible examples are introduced as "examples" and are not stated to be a closed list.

Cross-references

• defines (model-proposed): Standard Bonus: recipient gets $25; referrer gets $100 or $75 depending on status when the recipient signs up — The Definitions section defines Eligible Direct Deposit, which is one of the tests for the referrer's $100 Standard Bonus.

Charges & Financial Obligations · Context

Qualifying Deposits are $5,000 or more in a 31-day period into the referrer's account, with listed exclusions

Qualifying Deposits means one or more deposits, in aggregate, totaling $5,000 or more into an Eligible Bank Referrer's SoFi Checking and Savings account within a 31-calendar-day period. They may include ACH transfers, inbound wire transfers, peer-to-peer transfers, check deposits, instant funding or push payments to the SoFi Debit Card, and cash deposits. They do not include transfers between the referrer's own SoFi accounts (including 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. SoFi Bank, in its sole discretion, assesses Qualifying Deposits and may require additional documentation.

Supporting quotations

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

Charges & Financial Obligations · Company practice

Savings rates are variable and current as of 10/20/26; SoFi Plus members earn a tiered 4.70% or 3.30% APY

Rates are variable and subject to change at any time, and are stated to be current as of 10/20/26. No minimum balance is required, and fees may reduce earnings. For SoFi Plus members, SoFi Savings is a tiered-rate account that earns 4.70% 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 4.70% APY. Terms apply at the SoFi Plus section of the Terms of Use.

Supporting quotations

Interest Rates:

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

Rates are current as of 10/20/26.

No minimum balance is required. Fees may reduce earnings.

For SoFi Plus members, SoFi Savings is a tiered-rate account. Earn 4.70% 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 4.70% APY.

Qualifications & exceptions

• The 4.70% APY applies to up to $20,000 in one SoFi Savings account, for SoFi Plus members.
• The 3.30% APY applies to all other Savings balances with a SoFi Plus membership.
• Rates are variable and stated as current as of 10/20/26.

Not stated here

• The agreement is dated "Last Updated: September 17, 2026", but this passage states rates current as of 10/20/26; the text does not explain the later date.
• The rate for savers who are not SoFi Plus members is not stated in this passage.

Charges & Financial Obligations · Company commitment

Credit Score Monitoring referral: 1,000 rewards points ($10) each when the person activates within 60 days

SoFi gives 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 your unique referral link. Eligible Referrers do not earn points if the recipient already has or had another SoFi product, or does not use the unique referral link. To refer others and receive points, referrers must be actively enrolled in credit score monitoring and accept the SoFi Member Rewards Program Terms and Conditions. Once qualifications are met, SoFi credits the recipient 1,000 points and the referrer 1,000 points 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.

Eligible Referrers must be actively enrolled in credit score monitoring and accept the SoFi Member Rewards Program

(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

Qualifications & exceptions

• The 60 days run from the recipient clicking the unique referral link.
• No points if the recipient already has or had another SoFi product.

Charges & Financial Obligations · Restriction or exception

Crypto products are not FDIC insured and may lose value; the Crypto Referral Program is no guarantee of access

The Crypto Referral Program terms state that cryptocurrency and other digital assets are not FDIC insured, are not bank guaranteed and 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 does not constitute an offer or guarantee of access to cryptocurrency-related products or services. Cryptocurrency and other digital assets are described as highly speculative and involving significant risk, including the potential for complete loss of value.

Supporting quotations

Crypto Referral Program

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 by SoFi Bank, N.A., subject to applicable regulatory approvals.

Charges & Financial Obligations · Context

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

The Crypto Referral Program terms govern participation during the Promotion Period, which runs from February 4, 2026 at 12:00 a.m. E.T. to December 31, 2026 at 11:59 p.m. E.T. The offer is described as limited-time, with limited availability, and subject to 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.

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

Qualifications & exceptions

• The Promotion Period is stated in Eastern Time.

Charges & Financial Obligations · Restriction or exception

Crypto referral needs both parties to hold accounts and the referred member to buy at least $50 of crypto in 30 days

To receive the crypto referral bonus, the referrer must share their unique referral link with the referred member during the Promotion Period and 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. The referred member must click the referrer's link during the Promotion Period, apply and successfully 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 crypto purchase is a successful SoFi Crypto purchase of Supported Digital Assets (cryptocurrencies or stablecoins) that is funded directly from the member's SoFi Checking and Savings.

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.

(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.

Qualifications & exceptions

• The 30 days run from clicking the referral link.
• The purchase must be a single purchase of at least $50, funded directly from SoFi Checking and Savings.

Not stated here

• The list of Supported Digital Assets is not given in this passage.

Charges & Financial Obligations · Company commitment

Crypto referral bonus: $25 each, credited within seven business days, with no bonus for earlier Crypto account holders

Once the referrer and referred member have completed all required activities, SoFi credits each a one-time $25 cash bonus into their SoFi Checking and Savings account. Payments are credited within seven business days following SoFi's confirmation that all required activities were completed. Referrers do not earn a bonus if the referred member previously opened a SoFi Crypto Account or does not use the referrer's unique link to open a SoFi Crypto account during the Promotion Period.

Supporting quotations

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.

Qualifications & exceptions

• Seven business days run from SoFi's confirmation that all required activities were completed.

Charges & Financial Obligations · Restriction or exception

Crypto referral: $10,000 yearly cap, tax reporting, and SoFi's right to disqualify, withhold, revoke or end the offer

No referrer or referred member is entitled to 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). The offer can be combined with other SoFi Crypto promotions. SoFi reserves the right to disqualify any participant at 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 also reserves the right to 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

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).

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.

Qualifications & exceptions

• The cap covers both referrers and referred members, cumulative across all available SoFi referral programs, per calendar year.
• Disqualification examples are introduced with "including but not limited to".

Charges & Financial Obligations · Company practice

Members earn points for activities such as linking accounts, and SoFi can change the ways to earn at any time

The Member Rewards Program lets you 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, and setting up Billpay from your SoFi Money or SoFi Checking account. The ways to earn are subject to change at any time. The terms of specific promotional offers listed in the "Ways to earn" section govern the number of points earned for those offers and may differ from terms for other customers. Some state restrictions may apply.

Supporting quotations

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

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.

Qualifications & exceptions

• The listed activities are examples ("such as").
• Credit Score Monitoring sign-up earns points for new SoFi members.

Not stated here

• The "Ways to earn" section and its point values were not supplied with this document.

Charges & Financial Obligations · Restriction or exception

Points can't be redeemed before you enroll, and expire if you don't enroll or hold a qualifying product for 90 days

No points may be redeemed before you accept the Program Terms and enroll through the Membership & Rewards hub. Members must enroll by clicking "Join for free" on the enrollment screen and obtain one of SoFi Checking and Savings, SoFi Active Invest, SoFi Credit Card, SoFi Personal Loan, Private Student Loan or Student Loan Refinance within 90 days of earning any points. 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 a Member has not enrolled by clicking "Join for free" or does not have a product into which points can be redeemed for ninety consecutive days, the points expire and are forfeited. SoFi may modify or discontinue promotional offers for earning points 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.

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.

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

• The 90-day product requirement runs from earning any points.
• Expiry applies after 90 consecutive days without enrollment or a product points can be redeemed into.

Charges & Financial Obligations · Restriction or exception

Points are not your property, have no cash value, and generally cannot be transferred

Points are not your property and have no cash value. You cannot transfer or move points unless expressly provided for in the agreement, and points cannot be transferred by operation of law, such as by inheritance, in bankruptcy or in connection with 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 toward active SoFi accounts or SoFi Travel, and redemption terms can change

Points may be redeemed toward active SoFi accounts, including (but not limited to) 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. Points can be redeemed one time or monthly through auto-redemption set up in the SoFi app. The ways to redeem are subject to change at any time, and the terms of promotional offers on the "Redeem" page may contain separate eligibility requirements and may differ from terms for other customers. To the extent the Program Terms conflict with a promotional offer's separate terms, the Program Terms govern how points are earned and the specific promotional terms govern how points are redeemed for the offer. SoFi may modify or discontinue redemption offers at any time, with or without notice, and redemptions may be conditional upon your being a SoFi customer with at least one active SoFi product.

Supporting quotations

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.

Rewards points may be redeemed on a one-time basis or on a monthly basis when set up through auto-redemption.

To the extent these Program Terms conflict with any of the separate terms for a promotional offer, the Program Terms shall govern how rewards points are earned and the specific promotional terms will govern how rewards points are redeemed for the offer.

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.

Qualifications & exceptions

• Redemption may be conditional upon being a SoFi customer with at least one active SoFi product.
• The conflict rule splits earning (Program Terms govern) from redemption (specific promotional terms govern).

Not stated here

• The "Redeem" page and its promotional offers were not supplied with this document.

Charges & Financial Obligations · Restriction or exception

Rewards may be taxable income you must handle, and SoFi is not responsible for disputes with joint holders or users

Your participation in the Member Rewards Program may result in taxable income from SoFi, and SoFi 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. SoFi is not responsible for any dispute you may have in connection with the Program with an authorized user or joint account holder on any of your accounts.

Supporting quotations

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.

Qualifications & exceptions

• Taxable income and Form 1099 reporting are stated as possibilities ("may result", "may be required").

Charges & Financial Obligations · Permission or license

SoFi Plus fees are paid by recurring ACH debit or card charge that you authorize monthly

Members may pay the SoFi Plus Subscription Fee by ACH transfer from a SoFi Checking or Savings account, or by credit or debit card. By submitting payment through the SoFi mobile app or website you authorize SoFi to initiate monthly ACH debits of your SoFi Checking or Savings account, or to charge the card entered on the payment page every month, for the Subscription Fee. The authorization remains in effect until you update your payment method or cancel your subscription as described in the Canceling Payments section. SoFi may modify the Subscription Fee or billing interval upon advance notice. If SoFi determines there are insufficient funds in your SoFi Checking or Savings account you will be prompted to add funds, and if you fail to, SoFi may terminate your SoFi Plus benefits. If your selected card payment method fails, you will not be enrolled as a SoFi Plus member.

Supporting quotations

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 you fail to add funds to your SoFi Checking or Savings account, SoFi reserves the right to terminate your SoFi Plus benefits.

you authorize SoFi to charge the credit card or debit card entered on the SoFi Plus Subscription Fee payment page every month.

If your selected payment method fails, you will not be enrolled as a SoFi Plus member.

Qualifications & exceptions

• The authorization is recurring and continues until you update your payment method or cancel.
• Fee or billing interval changes are made upon advance notice; the length of notice is not stated.
• The consequence of an insufficient-funds failure differs by method: benefits may be terminated for ACH, and enrollment does not occur for a failed card payment.

Not stated here

• The text cites the fee as "stated in section 10(a)(ii) herein"; no numbered section 10 appears in the supplied text. The $10 monthly fee appears in the SoFi Plus eligibility paragraph instead.
• The length of advance notice before a fee or billing interval change is not stated.

Charges & Financial Obligations · Procedure

The SoFi Plus billing cycle starts when you click Join SoFi Plus, with weekend and short-month adjustments

Your billing cycle start date is the date you click "Join SoFi Plus" in the SoFi mobile app or website. You receive an email notification of the start of your subscription and another upon SoFi's receipt of each Subscription Fee payment. If your billing date falls on a weekend, federal holiday or other non-business day, the payment is processed on the next business day. If your billing date does not exist in a given month (for example the 31st), you are charged on the last day of that month.

Supporting quotations

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 · Procedure

Cancel SoFi Plus by 7:59 p.m. P.T. at least one day before renewal; no partial refunds

You can cancel your authorization of future ACH transfers or card payments at any time by logging in and canceling your SoFi Plus subscription on the subscription management page. To avoid being charged for the next billing period you must cancel by 7:59 p.m. P.T. at least one calendar day before the renewal date; if the request is submitted after that, you may be charged for the subsequent billing period. SoFi will not issue a partial refund for canceling before the end of a billing cycle. After a successful cancellation you continue to enjoy SoFi Plus benefits until the last day of your current billing cycle.

Supporting quotations

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.

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

• The cutoff is 7:59 p.m. P.T. at least one calendar day before the subscription renewal date.
• Benefits continue until the last day of the current billing cycle.

Charges & Financial Obligations · Company practice

Joining SoFi Plus enables Overdraft Protection by linking your Checking to your Savings, which you can turn off

When you join SoFi Plus, if you have existing SoFi Checking and Savings accounts, SoFi enables Overdraft Protection by linking your individual Checking account to your individual Savings account, and your joint Checking account to your joint Savings account, as applicable. SoFi can then use available funds in your Savings account to pay overdrafts in your Checking account, and charges no fee for such transfers. The funds applied are limited to Savings deposits 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 can enable or disable it in the SoFi app or website. The SoFi Deposit Account Agreement has further details.

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.

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.

Qualifications & exceptions

• Applies if you have existing SoFi Checking and Savings accounts when you join SoFi Plus.
• Funds used are limited to Savings deposits not allocated to a Vault.
• Disabling is allowed only after all authorized debit card transactions have settled.

Not stated here

• The SoFi Deposit Account Agreement, which has further details of Overdraft Protection, was not supplied with this document.

Charges & Financial Obligations · Restriction or exception

SoFi Plus benefits may be taxable income, and SoFi is not responsible for disputes with joint holders or users

Participation in the SoFi Plus Benefits Program may result in taxable income from SoFi, and SoFi may be required to send you, and file with the IRS, a Form 1099. You are responsible for any tax liability, including disclosure requirements. SoFi is not responsible for any dispute you may have in connection with the SoFi Plus Benefits Program with an authorized user or joint account holder on any of 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 · Company commitment

SoFi Plus APY: 4.70% on up to $20,000 in one Savings account per member and 3.30% on other Savings balances

As a SoFi Plus benefit, SoFi Savings is a tiered-rate account (the "SoFi Plus APY"): SoFi Plus members earn 4.70% Annual Percentage Yield on balances up to $20,000 in one SoFi Savings account per SoFi Plus member, and 3.30% APY on all other Savings balances. The Agreement refers to the SoFi Bank Rate Sheet for full details and additional rates.

Supporting quotations

4.70% 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.

4.70% APY: SoFi Plus members earn 4.70% APY on balances up to $20,000 in one SoFi Savings account per SoFi Plus member.

Qualifications & exceptions

• The 4.70% tier applies to one SoFi Savings account per SoFi Plus member.
• The 3.30% tier applies to all other Savings balances.

Not stated here

• The SoFi Bank Rate Sheet was not supplied with this document.

Charges & Financial Obligations · Restriction or exception

Joint accounts: how the 4.70% APY applies, up to $40,000 combined when both holders are SoFi Plus members

The 4.70% APY on Savings balances up to $20,000 is available for one Savings account per SoFi Plus member, and is applied to the individual Savings account if one exists. If you have only a joint Savings account, you receive 4.70% on balances up to $20,000 in the joint account. If your joint account holder is also a SoFi Plus member and has only a joint Savings account, 4.70% applies on up to an additional $20,000, resulting in 4.70% on combined balances up to $40,000. That $40,000 treatment applies only while the joint Savings account remains the only SoFi Savings account for each SoFi Plus member.

Supporting quotations

An APY of 4.70% 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 4.70% on Savings balances up to $20,000 in your joint Savings account.

If your joint account holder is also a SoFi Plus member and only has a joint Savings account, an APY of 4.70% on Savings balances up to an additional $20,000 will be applied to the joint Savings account, resulting in an APY of 4.70% on combined Savings balances up to $40,000. This 4.70% 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.

Qualifications & exceptions

• With an individual Savings account, the 4.70% tier applies to that account.
• The $40,000 combined treatment needs both holders to be SoFi Plus members with the joint account as each one's only SoFi Savings account.

Charges & Financial Obligations · Company practice

Rates are set from all your accounts, and your highest APY applies to up to $20,000 including Vault balances

SoFi determines the rates applicable to your accounts 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 rates may change if accounts are opened or closed. 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 from the highest APY, the difference from the rate otherwise applying to your other Savings balances, is called incremental interest. Incremental interest is always credited to your Savings account even if the balance that earned it is held in Vaults, while interest on all other balances is credited to the Savings account or Vault where that balance is held. The SoFi Bank Rate Sheet has current rates.

Supporting quotations

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.

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.

Qualifications & exceptions

• Rates are determined on an ongoing basis and may change when accounts are opened or closed.

Not stated here

• The SoFi Bank Rate Sheet was not supplied with this document.

Charges & Financial Obligations · Company commitment

A 3.30% APY applies to other Plus Savings balances, and to all balances for direct-deposit or $5,000 account holders

A 3.30% APY applies to the portion of SoFi Plus Savings balances that do not earn 4.70% APY, across both individual and joint SoFi Savings accounts, so the APY on your entire balance ranges from 3.30% to 4.70% depending on your total balance. Separately, a 3.30% APY 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 they subscribe to SoFi Plus.

Supporting quotations

3.30% APY: A 3.30% APY applies to the portion of SoFi Plus Savings balances that do not earn 4.70% APY across both individual and joint SoFi Savings accounts. As a result, the APY on your entire balance will range from 3.30% to 4.70%, depending on your total balance.

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.

Qualifications & exceptions

• The second 3.30% statement is tied to Eligible Direct Deposit or $5,000 in Qualifying Deposits "as defined in the SoFi Bank Rate Sheet".

Not stated here

• The SoFi Bank Rate Sheet's definitions of Eligible Direct Deposit and Qualifying Deposits were not supplied; the definitions in the Bank Referral Program terms are written for that program and are not assumed to be the same.

Charges & Financial Obligations · Restriction or exception

Promotional APY boosts cannot stack on 4.70% balances; SoFi Plus rates start the next business day after payment

Promotional APY boost offers cannot be combined on the same balances earning the 4.70% APY. If you earn the 4.70% APY and qualify for a boost, the 4.70% applies first, and the boost applies only to the portions of your Savings balances not earning 4.70% and only during its promotional period. When a promotional period ends, affected balances earn the then-current applicable SoFi Plus APY unless otherwise eligible for another promotion. Upon paying the SoFi Plus Subscription Fee you begin earning SoFi Plus rates and APYs on the following business day. If you cancel, your Savings account reverts to the Standard rates, or the 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.

Supporting quotations

Promotional APY boost offers cannot be combined on the same balances earning the 4.70% APY. If you earn the 4.70% APY and qualify for a promotional APY boost, the 4.70% APY applies first. The promotional APY boost will only apply to the portions of your Savings balances not earning 4.70% APY and only during its stated promotional period.

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.

Qualifications & exceptions

• Boosts apply only to balances not earning 4.70% and only during their stated promotional period.
• Reversion on cancellation happens on the day the subscription ends.

Charges & Financial Obligations · Restriction or exception

SoFi Plus benefits and APY are variable, current as of 10/20/2026, and SoFi can modify, suspend or end the APY benefit

Benefits are subject to change and may not be available to everyone. Rates are current as of 10/20/2026, APY is variable and subject to change at any time, there is no minimum balance requirement, and 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.

Supporting quotations

Benefits are subject to change and may not be available to everyone.

Rates are current as of 10/20/2026. 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.

Qualifications & exceptions

• Rates are stated as current as of 10/20/2026.

Charges & Financial Obligations · Company commitment

SoFi Plus 1% Match: members get 1% on deposits into non-retirement Invest accounts from August 18, 2026

SoFi Securities LLC and SoFi Wealth LLC offer the SoFi Plus 1% Match promotion under its own Terms and Conditions, with the warning that investments are not FDIC insured, are not bank guaranteed and may lose value. 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). The Benefit Period runs from August 18, 2026 through the date SoFi terminates the Benefit, and SoFi may modify, suspend or terminate the benefit at any time in its sole discretion without advance notice.

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

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”).

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.

Qualifications & exceptions

• Only deposits into non-retirement accounts during the Benefit Period are Eligible Deposits.
• The Benefit Period has no fixed end date; SoFi may end it at any time without advance notice.

Charges & Financial Obligations · Restriction or exception

To keep the 1% Match, stay a SoFi Plus subscriber at settlement and keep each deposit invested for five years

To receive and retain the full value of the 1% Match 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 years from the settlement date. Each Eligible Deposit has its own independent five-year holding period measured from its settlement date.

Supporting quotations

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.

Qualifications & exceptions

• The five-year holding period runs separately for each Eligible Deposit from its settlement date.
• The requirements apply to receiving and retaining the full value of the promotion.

Not stated here

• This passage does not itself say what happens if a deposit is withdrawn before five years; the rest of the Match terms continue in the next section.

Charges & Financial Obligations · Restriction or exception

Only instant transfers from SoFi Bank or ACH deposits settled in the Benefit Period count for the 1% Match

For the 1% Match, a Deposit means an instant cash transfer from a SoFi Bank account or an ACH deposit into 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. An 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. The deposit must be settled before the end of the Benefit Period to be eligible for the Match.

“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.

Qualifications & exceptions

• Only non-retirement accounts count, and the deposit must settle before the Benefit Period ends.

Charges & Financial Obligations · Company commitment

The Match is 1% of each eligible deposit, paid in cash within five business days, but not automatically 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 same account receiving the deposit within 5 business days of the deposit being settled, subject to verification of eligibility and compliance with the terms. Funds deposited into a self-directed account are not automatically invested; you must take action to invest them. Matches are not paid on accounts that are closed or pending closure, and the SoFi Invest account must be in good standing. SoFi may delay payment of any Match pending review for fraud, abuse or violation of the Terms. For example, a $1,000 deposit into a non-retirement self-directed SoFi Invest account earns a $10 Match.

Supporting quotations

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).

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.

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 terms.
• No Match is paid on accounts that are closed or pending closure.

Charges & Financial Obligations · Restriction or exception

The 1% Match may not be combined with other SoFi Invest offers unless SoFi expressly permits it in writing

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

Supporting quotations

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

Withdrawals within five years can trigger an early withdrawal fee that removes a proportional part of the Match

SoFi Plus members must keep Eligible Deposits in the account that earned the Match for five years to keep the entire Match. If a member withdraws before the five-year holding period is complete, they are subject to an early withdrawal fee and SoFi removes a proportional amount of the Match from the account. The proportional amount is based on the breach in retention value, not retention period. To avoid the fee, the account's total equity value must at minimum equal the original pre-promotion total equity value plus the qualifying deposit and Match amount. The pre-promotion total equity value is the market value of securities plus cash balance as reflected in SoFi's records as of the most recent completed end-of-day balance before the date SoFi determines the qualifying deposit was received and all eligibility requirements were satisfied, as determined by SoFi in its sole discretion. If a withdrawal causes total equity value to fall below this combined amount, the fee applies, and SoFi may apply reasonable rounding or a de minimis tolerance for ordinary market fluctuations. The fee applies if the member initiates a withdrawal and total equity value has decreased for any reason, including investment losses; it does not apply if total equity value has risen by more than the withdrawal amount, through gains or additional deposits.

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.

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.

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

• The test compares total equity value after the withdrawal with the pre-promotion value plus the qualifying deposit and Match.
• Investment losses can cause the fee to apply.
• The fee does not apply if equity value has risen by an amount greater than the withdrawal amount.

Charges & Financial Obligations · Restriction or exception

The fee comes out of the withdrawal, an ACAT transfer out forfeits the Match, and SoFi may sell securities

The proportional early withdrawal fee is deducted from the requested withdrawal amount. In the event of an ACAT transfer out, there is an early withdrawal fee for the entire Match amount, meaning an ACAT out during the five-year holding period forfeits the Match for the Eligible Deposits that have not satisfied their holding periods. If insufficient cash is available in the account, the fee is debited from an outgoing financial institution or added to a margin balance, and SoFi reserves the right to liquidate securities to pay it. SoFi also bills an ACAT out fee separately from the early withdrawal fee, and refers to its fee schedule for details.

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.

Qualifications & exceptions

• The entire-Match fee on ACAT out applies to Eligible Deposits that have not satisfied their holding periods.

Not stated here

• The SoFi Invest fee schedule was not supplied with this document.

Charges & Financial Obligations · Context

Worked examples show a $5.94 fee after a $600 early withdrawal and $0 when gains cover the withdrawal

The terms give four examples, each with a $1,000 deposit and a $10 (1%) Match. (1) Total equity value $1,010, withdrawal of $600 five or more years from the deposit date, remaining equity value $410: early withdrawal fee $0, since the full Match was earned. (2) Total equity value $1,010, withdrawal of $600 less than five years from the deposit date, remaining equity value $410: fee $5.94. (3) Total equity value $1,310 because of investment gains, withdrawal of $250 less than five years from deposit, remaining equity value $1,060: fee $0. (4) Total equity value $950 because of investment losses, withdrawal of $250 less than five years from deposit, remaining equity value $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

• Each example reads across the columns Deposit, 1% Match, Total Equity Value, Withdrawal Date, Withdrawal Amount, Remaining Equity Value, Early Withdrawal Fee.

Not stated here

• The examples give outcomes but not the formula used to compute the $5.94 and $3.07 fees.

Charges & Financial Obligations · Company commitment

SoFi Plus members earn 2x rewards points on qualifying activity, with listed exclusions

SoFi Plus members can earn double the rewards points stated in the "Ways to earn" section of the Membership & Rewards Center for qualifying earning activities, and only for periods in which they meet the SoFi Plus eligibility criteria. Qualifying activities exclude credit or debit card spend paid in rewards points, welcome bonuses paid in rewards points (including referral bonuses paid in rewards points), and select promotions with bonuses paid in rewards points. The specific number of points is subject to change at any time. Members must enroll in SoFi Member Rewards to redeem points but not to be eligible for 2x points, and points are subject to the SoFi 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. For complete SoFi Plus eligibility, please see sections 10(b-c) herein.

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.

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

Qualifications & exceptions

• 2x applies only for periods in which the member meets the SoFi Plus eligibility criteria.
• Enrollment in SoFi Member Rewards is needed to redeem points, not to be eligible for 2x.

Not stated here

• The text refers to "sections 10(b-c) herein" for complete SoFi Plus eligibility; no numbered section 10 appears in the supplied text.
• The "Ways to earn" section was not supplied with this document.

Charges & Financial Obligations · Company commitment

SoFi Plus members get a 10% boost on SoFi Credit Card cash back rates, calculated with rounding and exclusions

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 a 10% multiplier is applied to existing cash back rates (for example a purchase previously earning 100 points would earn 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 or interest charges, balance transfers or cash advances, traveler's checks or other cash equivalents, purchase or reloading of prepaid cards or other quasi-cash transactions, or to courtesy points that are manually awarded. SoFi determines in its sole discretion whether a transaction is eligible. Members must enroll in SoFi Member Rewards to redeem points but not to be eligible for the Promotion.

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”). For complete SoFi Plus eligibility, please see sections 10(b-c) herein.

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).

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.

Qualifications & exceptions

• The boost applies to eligible purchases with a SoFi Credit Card; the exclusion list names examples of ineligible transactions.
• Eligibility of each transaction is determined by SoFi in its sole discretion.

Not stated here

• The text refers to "sections 10(b-c) herein" for complete SoFi Plus eligibility; no numbered section 10 appears in the supplied text.

Charges & Financial Obligations · Restriction or exception

Credit card boost: primary holder must be a SoFi Plus member, Smart Card accounts excluded, start stated as 4/1/24

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. A SoFi Credit Card account benefits from the 10% boost only if the primary account holder is a SoFi Plus member. SoFi reserves the right to exclude any member for any reason, including suspected fraud, misuse or suspicious activities. The Promotion Period is stated as beginning on 4/1/24 at 1:00 PM ET, and SoFi reserves the right to terminate or change the Promotion 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.

Qualifications & exceptions

• The boost depends on the primary SoFi Credit Card account holder being a SoFi Plus member.
• The Promotion Period is stated as beginning on 4/1/24 at 1:00 PM ET, with no end date given.

Not stated here

• The Promotion Period start date of 4/1/24 is earlier than the agreement's September 17, 2026 date; the text does not say whether the Promotion has since changed.

Charges & Financial Obligations · Company commitment

SoFi Plus members earn 5% cash back in points on non-air SoFi Travel bookings, 5.5% with a SoFi Credit Card

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). SoFi Plus members who use a SoFi Credit Card on those non-air bookings earn a 10% credit card cash back rewards rate boost, for 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, and the 10% boost does not apply to bookings made with a SoFi Smart Card.

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”). For complete SoFi Plus eligibility, please see the sections 10(b-c) herein.

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.

Qualifications & exceptions

• Air travel bookings are excluded.
• The 5.5% total requires a SoFi Credit Card (not a SoFi Smart Card) on a non-air booking.
• Rewards do not stack on other SoFi Credit Card or SoFi Plus rewards.

Not stated here

• The text refers to "the sections 10(b-c) herein" for complete SoFi Plus eligibility; no numbered section 10 appears in the supplied text.

Charges & Financial Obligations · Company practice

SoFi Travel Elevated Earn points arrive within 60 days, redeem at 1 cent each, and SoFi can change or stop the offer

Member Rewards terms apply to SoFi Travel rewards. Rewards points are awarded within 60 days of travel completion; if you do not see them after 60 days, the terms direct you to the help center or phone support. Bookings made on air travel are not eligible for the Elevated Earn. When you redeem points toward active SoFi accounts (including Checking and Savings, SoFi Money, Active Invest, Automated Invest, Credit Card, Personal Loan, Private Student Loan, Student Loan Refinance) or toward SoFi Travel purchases, points redeem at 1 cent per point. SoFi reserves the right to exclude any member from SoFi Member Rewards for any reason, including suspected fraud, misuse or suspicious activities, and to 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

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

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.

Qualifications & exceptions

• The 1 cent per point rate is stated for redemptions toward the listed SoFi accounts or SoFi Travel purchases.
• Air travel bookings are excluded from Elevated Earn.

Not stated here

• The Rewards page and help center linked in this passage were not supplied with this document, so this card cannot say what they add.

Charges & Financial Obligations · Restriction or exception

Crypto transactions are final and irreversible, not FDIC or SIPC insured, and offered by SoFi Bank, N.A.

The SoFi Plus crypto match terms state that cryptocurrency and other digital assets are not FDIC insured, not bank guaranteed and may lose value; they are described as highly speculative, involving significant risk and possibly complete loss of value, and as not deposits and not insured by the FDIC or SIPC. All cryptocurrency transactions, once submitted to the blockchain, are final and irreversible. SoFi is not responsible for any failure or delay in processing 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 law and regulation. SoFi Crypto products and services are offered by SoFi Bank, N.A., a national bank regulated by the OCC; SoFi Bank does not provide investment, tax or legal advice, and the SoFi Crypto Account Agreement has additional terms.

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 not deposits, are not insured by the FDIC or SIPC, are not bank guaranteed, and may lose value.

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.

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 was not supplied with this document.

Charges & Financial Obligations · Restriction or exception

Eligible Crypto Buys must be funded from SoFi Checking and Savings, exclude stablecoins, and cap at $250,000 lifetime

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. An Eligible Crypto Buy is a completed SoFi Crypto purchase that is funded directly from your Checking and Savings account at SoFi Bank, N.A. and results in a successful purchase of Supported Digital Assets, excluding stablecoins or any cash-equivalent digital assets. Purchases funded from any other source, including incoming crypto transfers, do not qualify, and purchases of stablecoins or other cash equivalent digital assets do not qualify. Supported Digital Assets are those available on the SoFi Crypto platform, subject to the SoFi Crypto Account Agreement. Once the $250,000 total of qualifying purchases is reached, no additional match rewards are earned on future crypto buys.

Supporting quotations

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.

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.

Qualifications & exceptions

• The cap is a lifetime aggregate of Eligible Crypto Buys per member.

Charges & Financial Obligations · Procedure

The crypto match is 1% of each month's purchases minus that month's withdrawals and transfers out

The 1% match is a reward equal to 1% of your Net Eligible Crypto Buys each month. To calculate Net Eligible Crypto Buys, SoFi adds the total U.S. dollar value of your Eligible Crypto Buys completed during the calendar month and subtracts the U.S. dollar value of any cash or crypto you withdraw or transfer from your SoFi Crypto account during that month. For example, buying $1,000 in eligible crypto and withdrawing $400 in the month leaves Net Eligible Crypto Buys of $600, and the match is calculated on $600. If withdrawals are equal to or greater than eligible purchases, Net Eligible Crypto Buys are zero or negative and no reward is earned for that month. The match is earned as rewards points.

Supporting quotations

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.

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.

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.

Qualifications & exceptions

• The calculation is monthly, on a calendar-month basis.

Charges & Financial Obligations · Context

Crypto match examples: $1,000 bought and held earns $10; $500 withdrawn leaves a $5 match

The terms give examples of the 1% Match calculation. In a Standard Buy and Hold example, a SoFi Plus member executes $1,000 of crypto buys on 4/3/2026 and holds the digital assets on the platform through 4/30/2026, earning a $10 match in rewards points. In a Cash/Digital Asset Withdrawal example, the member buys $1,000 on 4/3/2026 and withdraws $500 (cash or digital asset) before 4/30/2026, earning $5 in rewards points, which is 1% of the remaining $500 net funded amount. A Trading/Rebalancing Portfolio example follows in the next section.

Supporting quotations

1% Match Calculation Examples

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.

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

More crypto match examples: swaps and market drops do not change the $10 match, but losing SoFi Plus mid-month gives $0

Further examples of the crypto 1% match: in a Trading/Rebalancing example, a member buys $1,000 of BTC, later sells $500 of BTC to buy ETH, makes no withdrawals and holds the assets through the end of the calendar month, and earns a $10 match in rewards points based on the original net funding for crypto buys. In a Market Value Changes example, a $1,000 buy followed by a drop in portfolio value to $800 with no withdrawals still earns $10, because market performance does not affect the payout. In a SoFi Plus Status Changes example, a member buys $1,000 on 4/3/2026 but loses SoFi Plus status on 4/27/2026 and earns $0, because SoFi Plus status must be maintained for the entirety of the 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.

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.

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.

Qualifications & exceptions

• The status example is stated for losing SoFi Plus status on 4/27/2026 after a 4/3/2026 buy.

Charges & Financial Obligations · Company commitment

The crypto match is paid as rewards points within two weeks of month end if you keep an active SoFi Crypto account

The 1% Match payout is paid out as rewards points within two 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, and the points are subject to the SoFi Member Rewards terms.

Supporting quotations

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.

Qualifications & exceptions

• The payout is rewards points, not cash.
• Enrollment in SoFi Member Rewards is needed to redeem points, not to be eligible for the match.

Charges & Financial Obligations · Restriction or exception

Crypto match terms: may combine with other crypto promos, good standing needed, and SoFi may exclude, rescind or end it

The SoFi Plus 1% Crypto Match Promo may be combined with other SoFi Crypto promos. The member's account must be in good standing and not subject to restrictions, and the promotion is non-transferable. SoFi reserves the right to exclude any members for any reason, such as suspected fraud, misuse or suspicious activity. If SoFi suspects fraudulent activity or a violation of these terms or of the customer agreement in connection with the Offer, it may decline to grant the Match or rescind the Offer, and may 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.

Supporting quotations

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.

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.

Qualifications & exceptions

• Examples of exclusion reasons are introduced with "such as".

Charges & Financial Obligations · Company commitment

SoFi Plus members pay 0.375% on outgoing FedNow instant transfers, with a $1 minimum and $15 maximum

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

Supporting quotations

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). For complete SoFi Plus eligibility, please see sections 10(b-c) herein.

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

• The discount applies to Instant Transfers sent from the member's SoFi Checking or Savings account to the member's account at a participating FedNow institution.

Not stated here

• The text refers to "sections 10(b-c) herein" for complete SoFi Plus eligibility; no numbered section 10 appears in the supplied text.

Charges & Financial Obligations · Restriction or exception

SoFi Plus is one factor in IPO allocations and does not guarantee any shares

SoFi Plus members have the opportunity to receive preferred IPO allocations through SoFi Invest. A SoFi Plus membership is one of many factors SoFi Securities LLC uses 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. New offers generally have high demand and limited shares, and having a SoFi Plus membership does not guarantee that you will be allocated the number of shares you requested in your Indication of Interest or any shares at all. SoFi's allocation procedures are described on a linked support page.

Supporting quotations

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

SoFi Plus members have the opportunity to receive preferred IPO allocations. For complete SoFi Plus eligibility, please see sections 10(b-c) herein.

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.

Qualifications & exceptions

• Membership increases the chance of a larger percentage of the indication but guarantees nothing.

Not stated here

• The text refers to "sections 10(b-c) herein" for complete SoFi Plus eligibility; no numbered section 10 appears in the supplied text.
• The IPO Allocation Procedures page was not supplied with this document.

Charges & Financial Obligations · Company commitment

Mortgage origination fee discounts: $500 for eligible members, plus $500 more for Plus, direct deposit or $5,000

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 are a SoFi Plus member, receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account are eligible for an additional one-time $500 discount, if they meet the criteria at the time the home loan application is approved ("final approval"). To be eligible for the standard discount, you must be a registered SoFi member at 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 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.

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”).

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.

Qualifications & exceptions

• Eligibility for both discounts is tested at the time the home loan application is approved ("final approval").
• The additional $500 requires any one of SoFi Plus membership, an Eligible Direct Deposit, or at least $5,000 in Qualifying Deposits.

Not stated here

• The text sends readers to the banking rate sheet for details on Eligible Direct Deposit or Qualifying Deposits; the rate sheet was not supplied, and the definitions in the Bank Referral Program terms are written for that program and are not assumed to apply here.
• The text refers to "sections 10(b-c) herein" for details on SoFi Plus subscription; no numbered section 10 appears in the supplied text.

Charges & Financial Obligations · Restriction or exception

Mortgage discounts do not apply to Texas or VA loans with no origination fee, or to repeat loans of the same type

The mortgage origination fee discounts are not available on loans where no origination fee is assessed, including all home loans in Texas and VA loans. They are not available to any person who previously had a loan of the same type. The terms tell readers to consult a tax advisor to determine if the discounts have any tax consequences.

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.

Qualifications & exceptions

• The Texas and VA exclusions are given as examples of loans with no origination fee ("including").

Charges & Financial Obligations · Company commitment

Personal Loan: an extra 0.25% rate discount if you meet one of three criteria within 31 days and every 31 days after

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 these criteria every 31 days to maintain the discount. Once you become eligible during the initial period, the discount is removed or reinstated depending on whether the criteria have been met, and each time the loan is re-amortized your monthly payment changes based on the interest rate in place. SoFi may modify or terminate the offer at any time for unenrolled participants. You are not required to meet the criteria to be approved for a loan.

Supporting quotations

(xi) 0.25% personal loan rate discount:

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

• Eligibility is tested within 31 days of loan funding and then every 31 days.
• Modification or termination applies to the offer for unenrolled participants.

Not stated here

• The text sends readers to the banking rate sheet for details on Eligible Direct Deposit or Qualifying Deposits and to "sections 10(b-c) herein" for SoFi Plus subscription; neither the rate sheet nor a numbered section 10 appears in the supplied text.
• The definitions of Eligible Direct Deposit and Qualifying Deposits in the Bank Referral Program terms are written for that program and are not assumed to apply to this discount.

Charges & Financial Obligations · Company commitment

Student Loan Refinancing: an extra 0.125% rate discount on the same three criteria, checked every 31 days

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, and continue to meet at least one criterion every 31 days. The discount is removed or reinstated depending on whether the criteria have been met, re-amortization changes the monthly payment, SoFi may modify or terminate the offer at any time for unenrolled participants, and the criteria are not required for loan approval.

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

• Eligibility is tested within 31 days of loan funding and then every 31 days.

Not stated here

• The text sends readers to the banking rate sheet for details on Eligible Direct Deposit or Qualifying Deposits and to "sections 10(b-c) herein" for SoFi Plus subscription; neither the rate sheet nor a numbered section 10 appears in the supplied text.
• The definitions of Eligible Direct Deposit and Qualifying Deposits in the Bank Referral Program terms are written for that program and are not assumed to apply to this discount.

Charges & Financial Obligations · Company commitment

Private Parent Student Loan: an extra 0.125% rate discount on the same three criteria, checked every 31 days

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, and continue to meet at least one criterion every 31 days. The discount is removed or reinstated depending on whether the criteria have been met, re-amortization changes the monthly payment, SoFi may modify or terminate the offer at any time for unenrolled participants, and the criteria are not required for loan approval.

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

• Eligibility is tested within 31 days of loan funding and then every 31 days.

Not stated here

• The text sends readers to the banking rate sheet for details on Eligible Direct Deposit or Qualifying Deposits and to "sections 10(b-c) herein" for SoFi Plus subscription; neither the rate sheet nor a numbered section 10 appears in the supplied text.
• The definitions of Eligible Direct Deposit and Qualifying Deposits in the Bank Referral Program terms are written for that program and are not assumed to apply to this discount.

Charges & Financial Obligations · Company commitment

Home equity loan: $200 standard origination fee discount plus $200 more for Plus, direct deposit or $5,000 deposits

SoFi members are eligible for a one-time standard discount of $200 off the $1,495 origination fee for a home equity loan originated by SoFi Bank. Members who are a SoFi Plus member, receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or receive at least $5,000 in Qualifying Deposits are eligible for an additional one-time $200 discount if they meet those criteria at the time the home loan application is approved ("final approval"). To be eligible for the standard discount, you must be a registered SoFi member at 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 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 are not available on loans where no origination fee is assessed, including all home loans in Texas and VA loans, or to any person 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 is tested at the time the home loan application is approved ("final approval").
• The additional $200 requires any one of SoFi Plus membership, an Eligible Direct Deposit, or at least $5,000 in Qualifying Deposits.

Not stated here

• The text sends readers to the banking rate sheet for details on Eligible Direct Deposit or Qualifying Deposits and to "sections 10(b-c) herein" for SoFi Plus subscription; neither the rate sheet nor a numbered section 10 appears in the supplied text.
• The definitions of Eligible Direct Deposit and Qualifying Deposits in the Bank Referral Program terms are written for that program and are not assumed to apply to this discount.

Charges & Financial Obligations · Company commitment

SoFi Plus members get 50% off SoFi's processing fees on global remittance transfers from Checking and Savings

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.

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 is on processing fees assessed by SoFi, for transfers initiated through SoFi Checking and Savings.

Charges & Financial Obligations · Restriction or exception

Remittance discount details: automatic, subject to the Deposit Account Agreement, excludes third-party bank fees

There is no limit on the number of remittance discounts a member can receive, and the discount is applied automatically at the time of transfer. Global remittance services are available to SoFi members through SoFi Checking and Savings, which is offered by SoFi Bank, N.A., Member FDIC. 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 presented before 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.

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

• The 50% discount does not cover fees charged by third-party intermediary or recipient banks.

Not stated here

• The SoFi Bank Deposit Account Agreement was not supplied with this document.

Charges & Financial Obligations · Company practice

Discounted Wall Street Journal and MarketWatch subscriptions for new SoFi Plus members, renewing at standard rates

SoFi Plus members are eligible for a one-time $129 discounted annual digital subscription to The Wall Street Journal and a discounted digital subscription to MarketWatch, billed as $2 every four weeks for one year. To receive either offer, members must access the promotional link provided by SoFi and complete subscription enrollment with a valid payment method. After the initial one-year promotional period, subscriptions automatically renew at The Wall Street Journal or MarketWatch current standard rate unless canceled before the renewal date, and pricing is subject to change. Members are responsible for managing or canceling subscriptions directly with the provider, whose terms govern cancellation and billing. The offer is valid through 4/29/2028 at 11:59:59 PM PT, available to new members only in the contiguous United States, limited to one offer per subscription type per SoFi Plus member, and intended for active SoFi Plus members only; the link may not be shared or transferred. The offers may be modified or discontinued at any time without notice.

Supporting quotations

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

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.

Access the promotional link provided by SoFi; and

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

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.

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 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

• Automatic renewal at the current standard rate follows the initial one-year promotional period unless canceled before the renewal date.
• Valid through 4/29/2028 at 11:59:59 PM PT, for new members only in the contiguous United States.

Not stated here

• The standard renewal rates and the publisher's terms of service were not supplied with this document.
• The text refers to "sections 10(b-c) herein" for details regarding SoFi Plus; no numbered section 10 appears in the supplied text.

Charges & Financial Obligations · Company practice

ClassPass: 55 free credits for first-time users on a one-month trial that must be canceled to avoid a charge

The ClassPass promotion is provided and fulfilled by ClassPass. SoFi Plus members who sign up for ClassPass for the first time via the SoFi link receive 55 free credits, valid for one month. To receive the credits, members must open the promotional link, sign up for a ClassPass one-month trial, and enter a payment method for use if the membership is not canceled during the trial. The 55 credits must be used within one month from enrollment and cannot be carried over. Members must cancel their ClassPass membership before the end of the trial month to avoid being charged a monthly membership fee. Existing ClassPass users who use the link to upgrade their current plan receive 15 free credits. Only one ClassPass promotion can be used per SoFi Plus member, the link may not be shared, and the promotion is valid through February 28, 2027 at 11:59 PM 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.

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 55 credits are for members new to ClassPass; existing users who upgrade get 15 credits.
• The credits expire one month from enrollment and cannot be carried over.

Not stated here

• The text refers to "sections 10(b-c) herein" for complete SoFi Plus eligibility; no numbered section 10 appears in the supplied text.
• The ClassPass membership fee and ClassPass's own terms were not supplied with this document.

Charges & Financial Obligations · Company practice

Vivid Seats: SoFi Plus members get 10% off tickets, up to $50 per order, through a SoFi link until July 15, 2027

SoFi Plus members can save 10% on Vivid Seats' inventory of live event tickets, up to a maximum discount of $50 per order, excluding taxes, fees and insurance products, as shown on the website. No promo code is entered: clicking the link in SoFi's marketing material applies a code automatically, and entering another promo code at checkout voids the original discount. Only one promo code can be used per order and codes cannot be stacked. The code is intended for SoFi Plus members only and sharing the code or link is prohibited. The promotion is valid through July 15, 2027 at 11:59 PM PT. Prices may be higher or lower than face value and inventory and prices can change at any time. Vivid Seats and SoFi reserve the right to modify or cancel the offer at any time. The benefit is provided and fulfilled by Vivid Seats, not by SoFi or its affiliates, and is subject to the Vivid Seats Terms of Use.

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.

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.

Vivid Seats and SoFi reserve the right to modify or cancel this offer at any time. This SoFi Plus member benefit is provided and fulfilled by Vivid Seats, not by SoFi or its affiliates.

Qualifications & exceptions

• The discount is capped at $50 per order and excludes taxes, fees and insurance products.
• Entering another promo code at checkout voids the original discount.

Not stated here

• The Vivid Seats Terms of Use were not supplied with this document.

Charges & Financial Obligations · Company practice

TurboTax: 20% off Federal filing and a free tax professional consultation via a SoFi link, through 12/31/2026

SoFi Plus members are eligible for 20% off TurboTax Federal filing and a free consultation with a TurboTax tax professional when they sign up through the link provided by SoFi. The discount applies automatically; entering another promotional code during sign-up or checkout may void the promotion, only one promotional code can be used per SoFi Plus member, and codes cannot be stacked. The offer is intended for SoFi Plus members only and sharing the link is prohibited. The promotion is valid through December 31, 2026 at 11:59 PM PT. It is a limited-time offer for TurboTax 2025, the discount applies to TurboTax federal products only, and actual prices are determined at the time of print or e-file. TurboTax and SoFi reserve the right to modify or cancel the offer at any time without notice. The member benefit is provided and fulfilled by TurboTax, not by SoFi or its affiliates, and is subject to TurboTax's Terms of Service.

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. For complete details regarding SoFi Plus, please see sections 10(b-c) herein.

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.

TurboTax 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 TurboTax, not by SoFi or its affiliates.

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

• The discount applies to TurboTax federal products only, for TurboTax 2025.
• Entering another promotional code may void the promotion.

Not stated here

• The text refers to "sections 10(b-c) herein" for complete SoFi Plus details; no numbered section 10 appears in the supplied text.
• TurboTax's product guarantees page and Terms of Service were not supplied with this document.

Charges & Financial Obligations · Company practice

Seated: a one-time $20 credit for new Seated users who link a card and make an eligible purchase by December 31, 2026

SoFi Plus members are eligible for a one-time $20 reward credit from Seated when they download the Seated app through the link provided by SoFi and complete their first eligible transaction. The offer is for new Seated users only. To earn the credit, a member must click the link in SoFi's marketing material and install the app, link a payment card to Seated, and make a purchase from an Affiliated Establishment, as defined in Seated's Terms of Service, using the linked card. Seated then provides the $20 credit within two to four business days. The promotional code applies automatically; entering another code during sign-up or checkout may void the promotion, only one code can be used per account and codes cannot be stacked. Sharing the code or link is prohibited. The promotion is valid through December 31, 2026 at 11:59 PM 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

• All three actions are required: install via the SoFi link, link a payment card, and make a purchase from an Affiliated Establishment using that card.
• The credit is provided within two to four business days after all actions are completed.

Not stated here

• The offer is introduced as available to SoFi Plus members, but a later sentence says it is "intended for SoFi members only"; the text does not reconcile the two.
• Seated's Terms of Service, which define Affiliated Establishment, were not supplied with this document.
• The text refers to "sections 10(b-c) herein" for complete SoFi Plus details; no numbered section 10 appears in the supplied text.

Charges & Financial Obligations · Company practice

Care.com: a discounted 12-month Premium membership for $99 for new Care.com users, through December 31, 2026

SoFi Plus members are eligible to sign up for a discounted 12-month Premium Care.com Membership subscription for $99 through the link provided by SoFi. The offer is available to new Care.com users only. The promotional discount applies automatically; entering another promotional code during sign-up or checkout may void the promotion, only one promotional code can be used per SoFi Plus member, and codes cannot be stacked. The offer is intended for SoFi Plus members only and sharing the link is prohibited. The promotion is valid through December 31, 2026 at 11:59 PM PT. Care.com and SoFi may modify or cancel the offer at any time without notice, and the benefit is provided and fulfilled by Care.com, not by SoFi or its affiliates, and is subject to Care.com's Terms of Service.

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. For complete details regarding SoFi Plus, please see sections 10(b-c) herein.

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.

Qualifications & exceptions

• Available to new Care.com users only.
• Entering another promotional code may void the promotion.

Not stated here

• The text refers to "sections 10(b-c) herein" for complete SoFi Plus details; no numbered section 10 appears in the supplied text.
• Care.com's Terms of Service and the renewal price after 12 months were not supplied with this document.

Charges & Financial Obligations · Company practice

Rakuten: a one-time $50 Welcome Bonus for new accounts opened via SoFi's link, after a $50 purchase in 90 days

SoFi Plus members are eligible for a $50 Rakuten Welcome Bonus, provided by Rakuten. To be eligible you must be a SoFi Plus member and create a new Rakuten account by clicking the link in marketing communications received directly from SoFi; the link is for SoFi Plus members only and may not be shared. Existing Rakuten members are not eligible, and you may not create a Rakuten account with an email address already registered with Rakuten. After creating the account, the member receives 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. 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. The bonus is not combinable with other Rakuten offers, including the Referral Welcome Bonus, with a limit of one Welcome Bonus per customer. A Qualifying Purchase is a purchase that earns Cash Back through Rakuten.com, the Rakuten App or the Rakuten browser extension, as determined in Rakuten's sole discretion. The bonus is added to your next Cash Back payment once the eligibility requirements are met. The offer is valid from April 28, 2025 until the promotion ends at Rakuten's sole discretion. Cash back is provided by Rakuten, not SoFi or its affiliates.

Supporting quotations

(xxiii) $50 Rakuten welcome bonus:

SoFi Plus members are eligible for a $50 Rakuten Welcome Bonus. For complete SoFi Plus eligibility, please see sections 10(b-c) herein.

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.

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.

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

• The Qualifying Purchase of $50 or more must occur within 90 days of signing up to Rakuten.
• Whether a purchase is a Qualifying Purchase is determined in Rakuten's sole discretion.
• The offer is valid from April 28, 2025 until Rakuten ends it in its sole discretion.

Not stated here

• The text refers to "sections 10(b-c) herein" for complete SoFi Plus eligibility; no numbered section 10 appears in the supplied text.
• Rakuten's Terms & Conditions were not supplied with this document.

Charges & Financial Obligations · Company practice

Trust & Will: $200 off the initial purchase of a Trust, via the Membership & Rewards Center link

SoFi Plus members are eligible for a $200 discount on the initial purchase of a Trust. The discount is applied by using the link provided in the Membership & Rewards Center and is applied at checkout. It cannot be combined with other offers or discounts, and subsequent upgrades aren't eligible for the discount. The offer begins on February 11, 2025 and may be terminated or changed at any time without notice. The benefit is provided by Trust & Will, not by SoFi or its affiliates, and SoFi may be compensated by the benefit provider. Offers are subject to change and may have restrictions, and the provider's terms of service apply.

Supporting quotations

(xxiv) $200 off a Trust plan:

SoFi Plus members are eligible for a $200 discount on the initial purchase of a Trust. For complete SoFi Plus eligibility, please see sections 10(b-c) herein.

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

• The discount applies to the initial purchase of a Trust only; subsequent upgrades are not eligible.

Not stated here

• The text refers to "sections 10(b-c) herein" for complete SoFi Plus eligibility; no numbered section 10 appears in the supplied text.
• Trust & Will's Terms of Service were not supplied with this document, and no end date is stated.

Charges & Financial Obligations · Company practice

HelloPrivacy: 50% off an annual Data Broker Monitoring and Removal subscription with a SoFi-provided code

SoFi Plus members are eligible for a 50% discount on an annual subscription to HelloPrivacy's Data Broker Monitoring and Removal service. The discount is applied at checkout on the HelloPrivacy site using the discount code and link provided in the Membership & Rewards Center. The code is intended for SoFi Plus members only and sharing the code or link is prohibited. Fees and taxes apply. The discount is available to SoFi Plus members beginning 1/27/25, and SoFi reserves the right to terminate or change the discount at any time. Renewal terms are covered in the next paragraph of the Agreement.

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. For complete SoFi Plus eligibility, please see sections 10(b-c) herein.

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.

Not stated here

• The text refers to "sections 10(b-c) herein" for complete SoFi Plus eligibility; no numbered section 10 appears in the supplied text.
• No end date is stated for this discount in this paragraph.

Charges & Financial Obligations · Restriction or exception

HelloPrivacy renews yearly at the discounted rate until you cancel, and is provided by HelloPrivacy, not SoFi

You must provide a valid payment method at checkout, and the HelloPrivacy service automatically renews at the discounted rate every year until you terminate the subscription. Your payment method is automatically charged at the start of each subscription period for the fees and taxes for that period, and you must cancel before the renewal date to avoid future charges. The text refers to HelloPrivacy's Terms of Service for complete terms and how to cancel, including by phone, and says you will be subject to HelloPrivacy's Privacy Policy and Terms & Conditions. All fees, content and features are subject to change, and the offer cannot be combined with any other offer. The SoFi Plus benefit is provided by HelloPrivacy (dba BrandYourself), not by 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

• Automatic yearly renewal continues until you terminate the subscription.
• You must cancel before the renewal date to avoid future charges.

Not stated here

• HelloPrivacy's Terms of Service and Privacy Policy were not supplied with this document, so this card cannot say how cancellation works beyond the stated phone contact.

Charges & Financial Obligations · Company practice

CNBC+: 40% off a one-year subscription ($89.99 instead of $149.99) for eligible SoFi Plus members until 02/15/27

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 per year plus taxes and fees, subject to applicable terms. The discount is applied at checkout using the link in the marketing communication, and the link and offer are intended for active SoFi Plus members only and may not be transferred or shared. The offer expires 02/15/27 at 11:59:59 pm U.S. Pacific Time. You may redeem it only if you are a legal resident of the U.S. and 18 or older (or the age of majority in your jurisdiction, whichever is older). It is not available to current CNBC+ members, is not valid with any other offers, has no cash value except where required by law, and is limited to one per customer and account. The subscription is subject to the CNBC Terms of Service, NBCUniversal's Privacy Policy and the promotional offer terms. The benefit is provided by CNBC LLC, not by SoFi or its affiliates, and CNBC LLC may modify or cancel the offer at any time and 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”). For complete SoFi Plus eligibility, please see sections 10(b-c) herein.

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

• Not available to current CNBC+ members; one per customer and account.
• The discounted price is for a one-year subscription.

Not stated here

• The text refers to "sections 10(b-c) herein" for complete SoFi Plus eligibility; no numbered section 10 appears in the supplied text.
• The CNBC Terms of Service and NBCUniversal Privacy Policy were not supplied, and the renewal terms after one year are not stated.

Charges & Financial Obligations · Company practice

SoFi is paid fees or commissions by insurance carriers when it connects you or helps place a policy

Where SoFi connects you to an insurance carrier, SoFi is paid fees by the carrier, in some cases if you obtain a policy. In some cases SoFi gathers information from you and helps you get a quote or more, and in those cases 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.

Qualifications & exceptions

• Fees are paid in some cases if you obtain a policy; commissions may be paid when SoFi helps with quotes and a policy is placed.

Charges & Financial Obligations · Restriction or exception

Insurance quotes are non-binding, final premiums are set by the underwriter, and promoted policies may not be available

Insurance policy quotes shown on the SoFi Site are non-binding, and the final premium for any policy is determined by the underwriting insurance company after you submit an application. SoFi may at times promote that certain policies may be available through the SoFi Site, but all policies are subject to product availability and your eligibility, and availability of prices may depend on your truthful answers to a health questionnaire. Not all promoted policies may be available in all states, and savings may vary by term, policy amount, health class and state. The Agreement points to a Licenses page for SoFi Insurance Agency state licenses and lines of authority.

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.

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.

Qualifications & exceptions

• Final premium is determined by the underwriting insurance company after an application is submitted.
• Price availability may depend on truthful answers to a health questionnaire.

Not stated here

• The Licenses page listing SoFi Insurance Agency state licenses and lines of authority was not supplied with this document.