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 membership 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 month
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 savings account
- 3.30% APY on balances above $20,000
👉 Rates are variable and subject to change.
📈 Investing & Rewards Opportunities
- 1% match on eligible deposits into taxable SoFi Invest accounts
- 1% match on crypto purchases (in rewards points)
👉 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, offering personalized guidance as part of the overall experience .
💡 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