$475 SOFI SIGN UP BONUS:
What is the best SoFi sign up bonus?
The SoFi sign up bonus is up to $475 for new Checking and Savings account customers, split across three tiers. Sign up using the referral link above and claim your free money! No promo code is needed — SoFi doesn’t do promo codes.
Here’s how the $475 bonus breaks down:
- Earn a $50 referral bonus when you open SoFi Checking & Savings as your first SoFi account and deposit at least $500 within 21 days. Terms apply.
- Earn an additional $25 bonus when you open and fund a SoFi Checking & Savings account and enroll in SoFi Plus within 21 days. Terms apply.
- Earn a $400 direct deposit bonus with eligible direct deposits of at least $5,000. Terms apply.
You must use the referral link to get the $50 and $25 bonuses above — these are only available through a referral, and not offered to customers who sign up directly with SoFi.
Current SoFi promotional offers
SoFi currently has a number of promotions available to new customers, including checking account, personal and student loan, and investment transfer bonuses.
| Bonus Amount | Account Type | Terms |
|---|---|---|
| $475 | Checking & Savings | $50 referral + $25 SoFi Plus + $400 direct deposit (see terms) |
| $50 | Credit Card | Get approved |
| $100 | Student Loan | Keep loan active for 90 days |
| $300 | Personal Loan | Keep loan active for 90 days |
| $300 | Student Loan Refi | Keep loan active for 90 days |
| $1000 | Med Student Refi | Keep loan active for 90 days |
| $5000 | SoFi Invest | Minimum transfer (see terms) |
How do I find my SoFi referral link?
Finding your SoFi referral link is easiest in the SoFi app. Tap the profile link at top left, then select “Invite Friends.” You’ll be prompted to invite friends to one of SoFi’s products, including Banking, Credit Card, Invest, and Loans.
Is SoFi legit?
SoFi is a normal, FDIC-insured bank. Reddit users give it their seal of approval and NerdWallet rates it 4.5/5 stars.
When you’ll receive your SoFi sign up bonus
Once you have completed the bonus requirements, SoFi should automatically deposit the reward into your account. Make sure to read the terms of each offer carefully, including the minimum amounts and timeframes.
