Dot Me

You work hard for your money. Now let your money work hard for you. Once it arrives at our partner banks—you’ll start earning 1.80% 1 APY on all your cash.
No denying it: Fees are annoying and people hate them. That’s why SoFi Money doesn’t have any transaction fees, monthly fees, or many other common types of fees.2
Sometimes you want cold hard cash. You shouldn’t be charged for that—no matter where you are. Use any ATM worldwide that accepts Visa® and we’ll reimburse you for the fees.
Not-so-newsflash: fees are frustrating and they can keep people from investing. It’s why we charge $0 in SoFi transaction and management fees. So there’s no reason not to start investing.
Whether you’re trading full time or just on the side—if you can swipe right, you can swap stocks. With active investing, we make it easy to start making trades on your own.
Not everyone wants to follow the market closely. It’s why automated investing makes it easy to build a diversified, personalized portfolio—even if you’re new to investing.
Are you paying more than 17% interest on your credit cards? SoFi Personal Loans could help you save thousands. With low personal loan interest rates and a fixed monthly payment, you can get loans to pay off credit cards, pay off high interest debt, or make a major purchase. It only takes minutes to apply.
Widely known fact: fees are annoying and people hate them. That’s why our personal loans are 100% completely fee-free. That means there are absolutely no fees and no shady hidden fees. You only pay interest.
The SoFi Money Visa® debit card is issued by Wilmington Savings Fund Society (“WSFS”). Visa is a registered trademark of Visa International Service Association and is used by WSFS pursuant to a license from Visa U.S.A. Inc.
1 The SoFi Money Annual Percentage Yield as of 9/19/2019 is 1.80% APY (1.79% interest rate). Interest rates are variable and subject to change at our discretion, at any time. No minimum balance required.
2 SoFi doesn’t charge any ATM fees and will reimburse ATM fees charged by other institutions when a SoFi Money® Visa® Debit Card is used at any ATM displaying the Visa®, Plus®, or NYCE® logo. SoFi reserves the right to limit or revoke ATM reimbursements at any time without notice. Please note, though SoFi doesn’t charge foreign transaction fees, there is a foreign exchange fee of 1% charged by Visa that is not waived.
3 The cash balance in SoFi Money accounts is swept to one or more program banks where it earns a variable rate of interest and is eligible for FDIC insurance. FDIC Insurance does not immediately apply. Coverage begins when funds arrive at a partner bank. There are currently six banks available to accept these deposits, making customers eligible for up to $1,500,000 of FDIC insurance (six banks, $250,000 per bank). If the number of available banks changes, or you elect not to use, and/or have existing assets at, one or more of the available banks, the actual amount could be lower. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Customers are responsible for monitoring their total assets at each of the Program Banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. The deposits in SoFi Money or at Program Banks are not covered by SIPC.
The Visa Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit https://www.visa.com/security.
The SoFi Money Visa® debit card is issued by Wilmington Savings Fund Society (“WSFS”). Visa is a registered trademark of Visa International Service Association and is used by WSFS pursuant to a license from Visa U.S.A. Inc.
Advisory services are offered through SoFi Wealth, LLC a registered Investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at https://www.adviserinfo.sec.gov.
234 1st Street, San Francisco, CA 94105