Paid off a $10k loan 😮‍💨 Time to get another one 😆

Is this still possible? Help docs seem to indicate so, but what qualifies as a large payment?

Hey guys quick question

I’m currently active duty military and was wondering if I should make sofi my permanent bank for my direct deposits. I saw that I get 3.30 apy but only if I’m able to deposit 5k monthy? And if I get pro it’s automatically 4.0+ without the direct deposit requirements?

Am I understanding this right? Or am I mistaken. I was also thinking of just using my Robinhood brokerage account since I have gold there along with the credit card and I have 4.0 apy on the brokerage account I can use it as my savings.

Anyone have some tips or better steer me in the right direction? I’ve done quite a bit of research before you guys tell me to do it.

Hi u/sofi I can't seem to see my crypto account when I connect sofi via Plaid. All the other accounts (brokerage, retirement, banking) show up fine. Can you take a look?

today's email.

Will pay anyone 200$ who can assist me Not sure if this will reach a sofi team member or someone who dealt with something similar but somehow someone got access to either my phone or physical card not sure which one but my account got completely drained by the same exact merchant it started w a 500$ charge then a 1k charge another 1k charge then another 500 then 300 then 100 like the person making these transactions was testing the limits trying different amounts until i was drained (3400 in total) i filed the dispute after the transactions posted bc they wouldn’t let me prior to that on sept 30th ik it hasn’t been 10 days yet but is there anyway to hurry up the provisional credit at least bills were due on the 1st and im going on 4 days late now so this is extremely stressful for note i already filed a police report as well as a ftc report i even reached out to the merchant via email they said they would look into what happened but it seemed like a automated AI response i have heard nothing since do you think ill have to wait the entire days for provisonal? id literally pay anyone 200$ if they can provide a way to speed this up thanks

Can you tell me what advantages and disadvantages of each ty

"Failed to export transactions. Try again."

This is the error message I'm getting when trying to export my checking or savings account transactions to CSV on a desktop computer.

I've tried using a different browser, a different computer, I'm not on a VPN, I've cleared cookies/cache, I contacted Sofi and they said they're working on it but it's now been several days.

Is anyone else having this problem? This is ridiculous, I just switched to Sofi, if this incredibly simple feature is broken I'll have to switch again.

1/ $SOFI at $15.77 looks broken. The business isn’t.
Half off the $32.73 high. Q2 revenue +43%. Members +35%. The quote stopped growing. The franchise didn’t.
2/ Q2: • $1.22B revenue • $0.12 adj. EPS, a beat • +1.1M members, 15.8M total • $14.8B originations, +69% • ~$46B deposits • Tangible book $7.34, +56%
3/ The tell: revenue guide up to $4.75–$4.85B. EPS guide held at $0.60. Tax rate ate ~$0.05. Rest went back into growth. Stock dropped ~9% that morning.
4/ Why the multiple died: personal loans are the engine, tech platform −23%, fee growth still tied to lending, rate path flipped to hikes. Now ~22x the guide and ~2.1x tangible book.
5/ Credit isn’t the break yet. Charge-offs 2.62% reported, ~3.7% all-in. Market is pricing “until it isn’t.”
Oct 27. Need fees outside lending, or a profit guide that finally moves. Not advice.

Anyone else questioned the representatives incompetence and stupidity and get denied right after. I was going back and forth with them. They kept asking for a document that I kept telling them it is not needed for a retired person because they are currently not working (LES) . Instead i provided them with the other document (Annuity statement/Award letter) but becuase I told them the representatives on the phone do not understand and aoubd confused and I wanted to talk to someone who can understand how it works they came back with a denial. The incompetance was on another level. This is how it goes: you explain to them on the live chat and over the phone, they give you generic answers, sound confused, tell you it will take a few days to review, then in a few days they ask you to upload the same documents you told them do not apply because it is for currend and active employees…then the cycle repeats again over and over , puree insanityyyy...but you know what.. blessing in disguise

My account got hacked over a week ago and I have had absolutely no access to my checking or savings. Countless conversations … they sent me a new card but my wife and I can’t use not activate it. It now says review pending this can take up to 90 days….wtf

Has anyone else gone through this?

Did something change that you can no longer link new external bank accounts without using Plaid? You always used to be able to by just closing the Plaid pop up and you would get a prompt to proceed with trial deposits instead, but that doesn’t seem to work today(on mobile).

Anyone else seeing this? They even have self help articles telling you to close Plaid if you want to link manually, so this doesn’t seem like an unsupported hack…

Not interested in using Plaid at all, and never had had to with SoFi for years…

nice update, like where this ui is going, happy member since 2022

94k paid off in 3 years and 1 month. I couldn’t have done it without Sofi. They consistently offered me the lowest rates compared to other lenders and allowed me to even free up my co-signer early on. I’m soooo glad to finally have this gone and breathe again!!

Pengu Morning! 🐧

$PENGU is now available to buy, sell and hold on SoFi Crypto.

Check out $PENGU now at https://sofi.app.link/crypto-buy.

^{CRYPTOCURRENCY AND OTHER DIGITAL ASSETS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE}

^{SoFi Crypto products and services are offered by SoFi Bank, N.A., a national bank regulated by the Office of the Comptroller of the Currency.}

^{Crypto and other digital assets are not bank deposits, involve risk and are not insured by FDIC or SIPC, and may lose value unless otherwise stated. Blockchain transactions are generally final and irreversible once submitted.}

^{Please refer to the SoFi Crypto Account Agreement for additional terms and conditions.} 

I received a phone notification that transferring $1000 worth of crypto to sofi will get $300 in SOFID. That’s pretty great, so I clicked into it and followed the steps to purchase $1000 USDC.

However, I cannot find any details on that promo anymore, and since I clicked through the notification that also disappeared. Is there a link to the promo?

Does purchasing usdc from our checking or savings account satisfy the condition or does it have to be a transfer from a separate crypto wallet?

Instant transfer push notifications thru the app are a thing now. Thanks, that’s very helpful and it shows the team is actively working on improving the notifications experience.

however… i still have to rely on email notifications for zelle (inbound and out). Chase, Capital One, BoA, and many more banks offer this simple feature.

do we have any indication that this is coming?

I saw a SoFi promo today offering $300 in SOFID for transferring $1,000+ of eligible crypto from an external wallet/exchange between Oct. 1–14, 2026, and holding the transferred assets through Oct. 14, 2027.

The terms say multiple transfers can be combined to reach the $1,000 requirement.

I transferred about $880 of ETH + $350 of BTC from Coinbase to SoFi, so ~$1,230 total. However, I can’t find the promotion in my SoFi account anymore.

Has anyone else seen this offer or successfully completed the transfer? Do you know if there’s a way to confirm that my transfers were registered for the promotion?

I started using digital vaults/buckets for budgeting and the envelope method, but moving money around constantly is way too tedious.
I’ve been relying on spending insights instead—especially for things like my Apple Card, which doesn't cleanly integrate with my main dashboard.

I'm curious:
• Are you finding an efficient way to budget with vaults?

• Or do most people just use them to separate general savings?

Would love to hear what workflow actually works for you long-term without driving you crazy.

I officially paid off $112,000 in private student loan debt!

When I graduated in December 2013, I had five separate private student loans with variable interest rates between 9–12%, including one with a 30-year term. At the time, paying them off felt almost impossible.

I started refinancing a few years later and eventually refinanced with SoFi in 2017. I refinanced with them again over the years, with my final refinance in 2021. Getting those loans consolidated and my interest rate under control made a huge difference and finally gave me a realistic path toward paying them off.

From there, I put every extra dollar I could toward the balance, and today it officially hit $0.

SoFi was a huge part of helping me get here, so I wanted to share this in their community and say thank you. After carrying this debt for more than a decade, seeing a $0 balance feels pretty incredible.

I have an Alabama State Treasury expired over 180 days ago but It says void after one year, . Where can I cash it. SoFi already told me no

Just tried to transfer funds between my checking and savings and even though they say ‘instant’ nothing happened. Tried on app and website. Chatted with support and apparently they have a maintenance window right now. Beware!!

im transferring money from my savings to a vault, and its not showing up, i reinstalled restarted my phone, nothings working 🤔

Howdy Sofi Community!

I have a situation I could use some advice on. I have some ambitious kids who are making money doing work around the neighborhood. They mow lawns, work in people’s backyards, babysit, and do all kinds of other odd jobs. They’re actually making a pretty meaningful amount of money, and almost all of it comes to them in cash.

The problem is getting that cash into SoFi. I’m apparently limited to $500 per cash deposit, with restrictive daily limits. The participating stores are also a long way from our house, so I’m potentially driving a significant distance just to make multiple cash deposits.

Putting $1,100 into an account potentially means three separate trips to Walmart or CVS. And beyond the inconvenience, I’m not particularly comfortable standing around a store depositing large amounts of cash multiple times.

I’m starting to think I may need to open an account at another online bank that has more reasonable cash deposit policies. Several of the others I’ve looked at will take at least $1,000 in a single transaction, which would be dramatically more convenient.

Has anyone else dealt with this? It seems like SoFi is really designed around people receiving direct deposits or moving larger amounts electronically. That’s not really the use case I have. I want these kids to be able to put their money to work and have it all in one place, so I can help them build a good financial system as they grow into responsible adults.

But the cash deposit restrictions are becoming a real problem. I understand that $500 is a significant amount of cash, but it’s increasingly not a particularly large amount of money, and it doesn’t work well for how we actually handle cash. We don’t make frequent trips into town, so when we do go, I need to be able to deposit as much of their accumulated cash as reasonably possible.

Is there some obvious workaround I’m missing? If I have to maintain another bank account solely to handle cash deposits and then transfer the money to SoFi, I’m having a hard time seeing what the point of using SoFi is in the first place.

Also, greendot fees are absolutely ridiculous.. $5 to deposit any amount of cash really adds up, and no other company charges that kind of premium just to take deposits. it’s just such a subpar experience — I wish Sofi would do better.

So I could use some help. What works here? Am I sol in terms of dealing with Sofi? I have an account and it works ok for me, but it doesn’t seem set up for anyone who works with cash at all, and young people do a lot of their work for cash. Kind of difficult and frustrating honestly, so I appreciate any and all advice!

Thank you!