{"slug":"sofi-refer-a-friend","institutionSlug":"sofi","category":"app","product":"Refer a Friend","title":"SoFi: refer a friend","referrer":{"amount":75,"amountMax":100,"unit":"cash","display":"$75 to $100","targeted":false},"referee":{"amount":50,"unit":"cash","display":"$50","targeted":false},"cap":{"valuePerYear":10000,"window":"calendar year","scope":"person"},"taxForm":"1099-MISC","taxNote":"SoFi says bonuses are considered miscellaneous income and may be reportable on Form 1099-MISC, or Form 1042-S where applicable.","linkSource":"Get your referral link from your SoFi account.","channels":["Share your referral link"],"requirement":"Open and fund a SoFi Checking and Savings account","posts":"Within seven business days.","status":"live","expiresOn":null,"verifiedOn":"2026-07-21","summary":"SoFi pays $75 a referral, or $100 if you hold SoFi Plus, have an eligible direct deposit, or have brought in $5,000 or more. The cap is unusually high and stated in dollars rather than referrals: $10,000 a calendar year across every SoFi referral program combined, which is the highest ceiling of anything we track.","finePrint":["The $100 rate applies to SoFi Plus members, those with an eligible direct deposit, or those with $5,000 or more in deposits. Otherwise it is $75.","The cap is $10,000 in cumulative referral and direct deposit bonuses across all SoFi referral programs in a calendar year, per person.","The person you refer is paid only once, when they open their first SoFi Checking and Savings account.","SoFi's Invest referral is a separate offer paying the new client $25 in stock rather than cash.","Sending a referral link requires you to have express consent to send the recipient promotional messages.","SoFi's master official rules are the authority on sharing and did not render for us, so we make no claim about where the link may be posted."],"ruleIds":[],"programDomain":"sofi.com","programUrl":"https://www.sofi.com/offers/bank-referral/","sources":[{"label":"sofi.com bank referral offer terms","url":"https://www.sofi.com/offers/bank-referral/","checkedOn":"2026-07-21"},{"label":"sofi.com invest referral offer terms","url":"https://www.sofi.com/offers/invest-referral/","checkedOn":"2026-07-21"}],"needsVerification":false}