SoFi Plus members get a 1% cash match on eligible deposits into a taxable SoFi Invest account. To keep the full match you must stay a SoFi Plus member for one year and leave the deposited funds in the account for five years, or the match can be partially or fully clawed back.
Eligibility
Available nationwide
No state restrictions on this offer.
No hard credit pull
Opening this account does not post a hard inquiry.
How to get the SoFi Invest bonus
- Become a SoFi Plus member and keep the subscription active when the deposit settles.
- Make an eligible cash deposit (instant transfer from a SoFi bank account or ACH) into a taxable self-directed or robo SoFi Invest account.
- Remain a SoFi Plus member for one continuous year after the deposit settles.
- Keep the deposited funds in the account for five years to retain the full match.
The fine print that matters
- Match excludes internal transfers and ACAT transfers.
- Canceling SoFi Plus within one year of the deposit forfeits the entire match.
- Withdrawing funds before the five-year holding period triggers a proportional early withdrawal fee.
- An ACAT transfer out during the five-year period forfeits the entire match for that deposit.
- The match may be taxable and reported on IRS Form 1099-INT, 1099-MISC, or 1042-S.
- SoFi Plus carries a $10 monthly subscription fee.
Verification and reports
Confirmed against sofi.com on Jul 19, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
Spot something new or wrong? Send a tip. Corrections ship and are credited in the changelog.
Sources: sofi.com offer page (checked Jul 19, 2026)