Join 12 million+ members who bank, invest, and borrow smarter. Up to 4.30% APY savings, $0 commission investing, IPO access, and personal loans from 8.74% APR — all in one app.
From banking to investing to borrowing — SoFi has you covered
Award-winning checking and savings with industry-leading rates. Get paid up to 2 days early and never pay fees.
Trade stocks, ETFs, and options with zero commissions. Get exclusive access to IPOs before they hit the market.
Best Personal Loan 2025 by NerdWallet. Borrow up to $100K with same-day funding and zero fees.
Join 534,000+ members who've refinanced $45.8B in student loans. Lower your rate and simplify payments.
Designed for medical professionals. Pay just $100/month during residency with special forbearance options.
Fund your education after exhausting federal aid. Flexible options for undergrad, grad, and parents.
Manage your entire financial life from a single app. Banking, investing, loans, and credit — all connected so your money works harder for you.
See why millions are making the switch
Real experiences from SoFi members
"I consolidated everything into SoFi — banking, investing, and refinanced my student loans. One app for everything, and I'm earning 4.30% on savings. My old bank paid me 0.01%."
"Refinanced $80K in student loans from 7.2% to 4.8%. Saving over $15,000 in interest over the life of the loan. The process took less than a week."
"Got into my first IPO through SoFi Invest. The $0 commissions and fractional shares make it easy to build a diversified portfolio even with small amounts."
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Important: SoFi Bank, N.A. is a Member FDIC. NMLS #696891. Equal Housing Lender. SoFi Checking and Savings: APY is variable and subject to change. SoFi Plus members earn 3.60% APY on savings (rate as of 11/12/2025). Non-SoFi Plus members earn 1.00% APY. SoFi Invest: Investing involves risk. The value of your investment will fluctuate, and you may gain or lose money. Brokerage services offered through SoFi Securities LLC, Member FINRA/SIPC. Advisory services offered through SoFi Wealth LLC, an SEC-registered investment advisor. Student Loan Refinancing: SoFi refinance loans are private loans. When you refinance federal loans, you forfeit federal benefits. Not all borrowers receive the lowest rate. Loans originated by SoFi Bank, N.A.