If you’re looking to get more out of your everyday finances, SoFi Plus is designed to offer an upgraded experience across banking, investing, and more.
Offered by SoFi, SoFi Plus is a premium membership1 that gives members access to added rewards, benefits, and tools—all within one platform.
But what exactly do you get, and is it worth the monthly cost?
Let’s break it down 👇
✨ What Is SoFi Plus?
SoFi Plus is a premium membership experience that enhances your overall SoFi account with additional perks and features.
To access SoFi Plus, members subscribe for $10 per month2
Rather than being tied to a single product, SoFi Plus is designed as a full ecosystem of benefits—helping you get more value across multiple financial tools.
💸 Key Benefits of SoFi Plus
Here are some of the standout features included with SoFi Plus:
💰 Competitive Savings Rates
SoFi Plus members can earn:
- 4.50% APY on up to $20,000 in a SoFi Bank savings account3
- 3.10% APY on all other savings balances
👉 Rates are variable and subject to change.
📈 Investing & Rewards Opportunities
- 1% match on eligible deposits into taxable SoFi Invest accounts4
👉 These features are designed to help enhance long-term financial growth.
🎯 Everyday Rewards & Perks
SoFi Plus members may also receive:
- boosted rewards on eligible activities
- access to exclusive offers and experiences
- additional discounts across select financial products
👉 Benefits vary based on usage and eligibility.
🧠 Financial Planning Access
Members can access 1:1 sessions with financial planners with SoFi Wealth, offering personalized guidance as part of the overall experience.5
💡 What Makes SoFi Plus Different?
Unlike traditional banks, SoFi Plus is built as a modern, all-in-one financial experience.
Instead of focusing on just one feature, it combines:
- banking
- investing
- rewards
- financial tools
👉 The goal is to give members a more complete and connected way to manage their money.
🧠 Who SoFi Plus Is Best For
SoFi Plus may be a good fit if you:
- want to manage multiple financial accounts in one place
- are interested in earning rewards and added benefits
- prefer a digital-first banking experience
- want access to additional tools and financial resources
INVESTMENTS AND DIGITAL ASSETS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE
SoFi Checking and Savings, SoFi Credit Cards, and SoFi Crypto are products offered by SoFi Bank, N.A. Member FDIC. Loans originated by SoFi Bank, N.A., NMLS #696891 (www.nmlsconsumeraccess.org). Equal Housing Lender.
Brokerage products offered through SoFi Securities LLC, member FINRA/SIPC. Advisory services are offered through SoFi Wealth LLC, an SEC-registered investment adviser.
1SoFi Plus: SoFi Plus is a premium membership that gives members access to our best rewards, benefits, and more when they pay the SoFi Plus Subscription Fee. Benefits are subject to change and may not be available to everyone. All terms and conditions applicable to the use of SoFi Plus apply. To learn more about SoFi Plus and available benefits and terms, please see the SoFi Plus page.
2$10 subscription fee: Subscribers are billed every 30 calendar days based on the initial date of subscription.
3For SoFi Plus members, SoFi Savings is a tiered-rate account. Earn 4.50% Annual Percentage Yield (APY) on up to $20,000 in one SoFi Savings account, and 3.10% APY on all other Savings balances with a SoFi Plus membership. Promotional APY boost offers cannot be combined on balances earning a 4.50% APY. Rates are current as of 5/29/26. APY is variable and subject to change at any time. There is no minimum balance requirement. Fees may reduce earnings. Terms apply at https://www.sofi.com/terms-of-use/#sofi-plus. See additional rates and information at: https://www.sofi.com/legal/banking-rate-sheet. SoFi Bank, N.A. Member FDIC.
4Available to SoFi Plus members who make eligible cash deposits into taxable SoFi Invest accounts. You must be a SoFi Plus member at the time of deposit, remain a SoFi Plus member for one (1) year after the deposit settles, and keep the deposited funds in the account for five (5) years.
Canceling SoFi Plus within one year or withdrawing/transferring funds during the five-year holding period may result in forfeiture of some or all of the match. Other restrictions apply. Excludes internal transfers and ACAT transfers. Match may be taxable. For the full Terms & Conditions please click here
5Appointments with financial planners:
SoFi Plus members can schedule an unlimited number of appointments with a financial planner. For complete SoFi Plus eligibility, please see the SoFi Plus terms.
SoFi members who do not meet the SoFi Plus eligibility criteria can schedule one (1) thirty-minute appointment with a financial planner.
Members can only schedule an unlimited number of appointments with a financial planner during periods in which the member meets the SoFi Plus eligibility criteria. The ability to schedule appointments is subject to financial planner availability. SoFi reserves the right to change or terminate this benefit at any time with or without notice. Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. 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 www.adviserinfo.sec.gov.