Banking that
works for you.
Experience seamless money management, zero hidden fees, and intelligent tools designed to accelerate your financial growth.
Trusted by modern companies worldwide
Send money globally.
Without the borders.
Hold up to 15 different currencies, exchange at the mid-market rate, and send instant transfers to over 80 countries. We charge a low, transparent fee—no hidden exchange rate markups.
Spend with zero limits.
Our checking accounts come with absolutely no monthly fees, no minimum balance requirements, and free overdraft protection up to $200. Get paid up to 2 days early with direct deposit.
- Real-time transaction alerts
- Fee-free ATM access globally
- Instant virtual cards
Total Savings
Make your money work harder.
Earn an industry-leading 4.50% APY on all your savings balances. Create custom vaults for different goals, and use our Round-Up feature to save automatically every time you spend.
Fort-Knox level security. Built in.
Your peace of mind is our priority. Sofi Finance uses military-grade 256-bit AES encryption to protect your data. Plus, your funds are FDIC insured up to $250,000.
Your financial life, beautifully managed.
The award-winning Sofi Finance experience gives you unprecedented control over your money. Designed meticulously for modern life, it provides a unified, hyper-fast view of your checking, savings, and investments anywhere you are.
Everything you need to manage your wealth.
We've built a suite of powerful tools to help you save, spend, and invest with complete clarity and control.
Lightning Fast Transfers
Send money locally and internationally in seconds. Our optimized routing network ensures your funds arrive exactly when needed.
Bank-Grade Security
Your funds and data are protected by AES-256 encryption, biometric authentication, and 24/7 AI-driven fraud monitoring.
Smart Analytics
Understand your spending habits with auto-categorization and visually stunning insights that help you budget better.
Loved by thousands
"Switched from a traditional bank 3 months ago and haven't looked back. The app is gorgeous and I love seeing my yield grow daily."
"No hidden fees means no hidden fees. I moved all my business accounts here because the transparency is unparalleled."
"Customer support actually answers the phone in seconds. That alone is worth 5 stars. The high yield savings is just the cherry on top."
Frequently Asked Questions
Got questions? We've got answers.
Is my money safe with Sofi Finance?
Absolutely. Sofi Finance uses industry-leading 256-bit AES encryption to secure your data. Furthermore, all deposit accounts are FDIC-insured up to $250,000 per depositor through our partner banks.
Are there really no hidden fees?
Yes! We don't charge monthly maintenance fees, overdraft fees (up to $200), minimum balance fees, or foreign transaction fees. We make money through merchant interchange fees when you use your debit card, not by penalizing you.
How long does it take to open an account?
Most accounts are approved in under 3 minutes. You just need your basic personal information and a valid government-issued ID. Once approved, you can instantly issue a virtual debit card and start spending using Apple Pay or Google Pay.
Ready to upgrade your banking?
Join thousands of customers who have already switched to a better, faster, and more secure financial experience.
Takes less than 3 minutes to open.