SoFi Plus: SoFi Plus is a premium membership that gives members access to our best APY, discounts, rewards, and more when they set up Eligible Direct Deposit, receive $5,000 in Qualifying Deposits, or pay the SoFi Plus Subscription Fee. Benefits are subject to change and may not be available to everyone. All terms and conditions applicable to the use of SoFi Plus apply. To learn more about SoFi Plus and available benefits and terms, please see the SoFi Plus page.

¹$1,000 Value of SoFi Plus membership: $1,000 Value of SoFi Plus membership: The value of a SoFi Plus membership varies depending on benefits used, and there is no guarantee you will reach any specific value. $1,000+ estimated value is based on the average activity of existing SoFi Plus members for the following benefits over a 12-month period: an average of $17,000 deposited in a high-yield savings account with a 3.60% APY at the start of the 12-month period, $22,000 average annual spend on the SoFi Unlimited 2% Credit Card (with a 10% boost on cash back rewards), and one additional 30-minute session (beyond the basic member benefit) with a certified financial planner, with an assumed value of $250. Other benefits may be available. SoFi Credit Card cash back rewards are earned in the form of rewards points, and rewards points redeem at a rate of 1 cent per point. SoFi Plus members must be approved for a SoFi Credit Card in order to receive the corresponding benefit. Savings and spend assumptions are based on average activity from existing SoFi Plus members between the period of 4/1/2024 – 4/30/2025.

²America’s most rewarding financial membership: Based on a series of blinded surveys of financial memberships across banking, borrowing, investing, and credit cards. A nationally representative sample of 900 consumers were asked to rank offerings based on the question “Which financial membership brand is most rewarding?” Results as of January 2025. See SoFi.com/plus-survey for details.

SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC.

When you open a SoFi Savings Account, SoFi Bank will also automatically open a SoFi Checking Account in your name. See the SoFi Bank Deposit Account Agreement for details.

³SoFi Bank Savings APY: Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 1/24/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at http://www.sofi.com/legal/banking-rate-sheet.

⁴Appointments with financial planners: SoFi Plus members can schedule an unlimited number of appointments with a financial planner. For complete SoFi Plus eligibility, please see the SoFi Plus terms.
SoFi members who do not meet the SoFi Plus eligibility criteria can schedule one (1) thirty-minute appointment with a financial planner.
Members can only schedule an unlimited number of appointments with a financial planner during periods in which the member meets the SoFi Plus eligibility criteria. The ability to schedule appointments is subject to financial planner availability. SoFi reserves the right to change or terminate this benefit at any time with or without notice. Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov .

⁵1% Invest match:

Must be an active SoFi Plus member at the time a recurring deposit is received into your SoFi Invest account to qualify. The match is calculated on each settled recurring deposit made via ACH and paid out in cash within five (5) business days. SoFi reserves the right to change or terminate this promotion at any time without notice. For complete eligibility and terms, please see the SoFi Plus terms.

⁶IPO allocation priority:: SoFi Plus members have the opportunity to receive preferred IPO allocations. For complete SoFi Plus eligibility, please see the SoFi Plus terms.

A SoFi Plus membership is one of many factors used by Sofi Securities LLC to determine an investor’s allocation. Members who meet the SoFi Plus eligibility criteria may have an increased chance of receiving a larger percentage of their indication than those who are not enrolled. New offers (IPOs) generally have high demand and there are a limited number of shares available. Having a SoFi Plus membership does not guarantee that you will be allocated the number of shares you requested in your Indication of Interest (IOI) or any shares at all. For SoFi’s allocation procedures please refer to . IPO Allocation Procedures.

⁷10% Boost on Cash Back Rewards Points for SoFi Credit Card Purchases: SoFi Plus members are eligible for a 10% boost on cash back rewards rates for all eligible purchases made with a SoFi Credit Card (the “Promotion”). For complete SoFi Plus eligibility, please see the SoFi Plus terms.

A 10% boost means that a 10% multiplier shall be applied to existing cash back rewards rates (e.g., a purchase previously earning 100 rewards points would now earn 110 with the promotion). For purposes of calculating the 10% boost on cash back rewards points, each transaction shall be rounded to the nearest dollar, and fractional points shall be rounded to the nearest whole point. The 10% boost shall not apply to (i) transactions that are not eligible for cash back rewards points, including: fees or interest charges, balance transfers or cash advances, purchase of traveler’s checks or other cash equivalents, purchase or reloading of prepaid cards, or other quasi-cash transactions; or (ii) courtesy rewards points that are manually awarded. SoFi shall, in its sole discretion, determine whether a transaction is eligible to earn the 10% boost under this Promotion.

Members must enroll in SoFi Member Rewards to redeem rewards points, but not to be eligible for the Promotion. Rewards points are subject to the SoFi Member Rewards terms.

All new and existing SoFi Credit Card members who meet the SoFi Plus eligibility criteria during the Promotion Period are eligible for this Promotion. Offer limited to one per SoFi Checking and Savings account. A SoFi Credit Card account will only benefit from the 10% boost under this Promotion if the primary SoFi Credit Card account holder is a SoFi Plus member. SoFi reserves the right to exclude any member from participating in this Promotion for any reason, including suspected fraud, misuse, or if suspicious activities are observed.

Promotion Period: The Promotion will begin on 4/1/24 at 1:00 PM ET. SoFi reserves the right to terminate or make changes to this Promotion at any time.

⁸5% cash back on SoFi Travel (excluding air travel):

SoFi Plus members can earn 5% cash back in rewards points on all bookings except air travel through SoFi Travel using any card (“Elevated Earn”). For complete SoFi Plus eligibility, please see the SoFi Plus terms.

Additionally, SoFi Plus members that use a SoFi Credit Card on hotel bookings will earn a 10% credit card cash back rewards rate boost, resulting in a total of 5.5% cash back rewards. Cash back rewards do not stack on top of other rewards associated with SoFi Credit Card or SoFi Plus.

All terms and conditions applicable to the use of SoFi Member Rewards apply. To learn more about SoFi Member Rewards, please see the Rewards page. Rewards points will be awarded within 60 days of travel completion. If you do not see your rewards points after 60 days of travel completion, please see our help center or contact us at 855-456-7634. Bookings made on air travel are not eligible for the Elevated Earn. When you elect to redeem rewards points toward active SoFi accounts, including but not limited to, your SoFi Checking and Savings account, SoFi Money® account, SoFi Active Invest account, SoFi Automated Invest account, SoFi Credit Card account, SoFi Personal Loan, Private Student Loan, Student Loan Refinance, or toward SoFi Travel purchases, your rewards points will redeem at a rate of 1 cent per every point. SoFi reserves the right to exclude any member from participating in SoFi Member Rewards for any reason, including suspected fraud, misuse, or if suspicious activities are observed. SoFi also reserves the right to stop or make changes to Elevated Earn at any time.

⁹2x rewards points on qualifying activity:

SoFi Plus members can earn double the rewards points as stated in the “Ways to earn” section of the Membership & Rewards Center for qualifying earning activities. For complete SoFi Plus eligibility, please see the SoFi Plus terms.

Members can only earn 2x rewards points for periods in which the member meets the SoFi Plus eligibility criteria. The qualifying earning activities exclude the following: Credit or Debit card spend paid in rewards points, welcome bonuses paid in rewards points (including any referral bonuses paid in rewards points), and select promotions with bonuses paid in rewards points. The specific number of rewards points is subject to change at any time and can be found in the “Ways to earn” section of the Membership & Rewards Center.

Members must enroll in SoFi Member Rewards to redeem rewards points, but not to be eligible for 2x rewards points. Rewards points are subject to the SoFi Member Rewards terms.

¹⁰Discount on SoFi home loan closing:

SoFi members are eligible for a one-time standard discount on loans originated by SoFi Bank of $500 off the standard $1,495 origination fee for a home purchase or refinance mortgage and $200 off the $1,295 origination fee for home equity loan or line of credit. SoFi Plus members are eligible for an additional one-time discount of $500 off the standard origination fee for a home purchase or refinance mortgage. For complete SoFi Plus eligibility, please see the SoFi Plus terms.

To be eligible for the standard SoFi member discount, you must be a registered SoFi member at the time the home loan application is approved (indicated as “final approval”), and the applicant must have a current or prior SoFi Personal Loan, Student Loan, SoFi Money, or SoFi Checking and Savings account with an account balance greater than $0, or be a SoFi Invest account holder with a balance greater than $10,000. SoFi may change or terminate this discount at any time.

The SoFi member and SoFi Plus Discounts described above are not available on loans where no origination fee is assessed, including all home loans in Texas and VA loans. And, the discounts are not available to any person who previously had a loan of the same type. Consult your tax advisor to determine if the discounts have any tax consequences.

¹¹Personal Loan discount:
SoFi Plus members are eligible for an interest rate reduction of 0.25% on a Personal Loan. To be eligible for the discount, you must meet the SoFi Plus eligibility criteria within 31 days of the funding of your loan. For complete SoFi Plus eligibility, please see the SoFi Plus terms. When you enroll in SoFi Plus, the discount will lower the interest rate that applies to your loan only during periods in which you are enrolled in SoFi Plus. The discount will be removed during periods in which SoFi determines you are not enrolled in SoFi Plus. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place. SoFi reserves the right to change or terminate this offer for unenrolled participants at any time. You are not required to enroll in SoFi Plus to be eligible for Loan approval.

¹²Student Loan Refinance discount:

SoFi Plus members are eligible for an interest rate reduction of 0.125% on a Student Loan Refinancing. To be eligible for the discount, you must meet the SoFi Plus eligibility criteria within 31 days of the funding of your loan. For complete SoFi Plus eligibility, please see the SoFi Plus terms. When you enroll in SoFi Plus, the discount will lower the interest rate that applies to your loan only during periods in which you are enrolled in SoFi Plus. The discount will be removed during periods in which SoFi determines you are not enrolled in SoFi Plus. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place. SoFi reserves the right to change or terminate this offer for unenrolled participants at any time. You are not required to enroll in SoFi Plus to be eligible for Loan approval.

¹³Hello Privacy 50% Discount:

SoFi Plus members are eligible for a 50% discount on an annual subscription to HelloPrivacy’s Data Broker Monitoring and Removal service. For complete SoFi Plus eligibility, please see the SoFi Plus terms.

The discount can be applied at checkout on the HelloPrivacy site using the discount code and link provided in the Membership & Rewards Center. The discount code is intended for SoFi Plus members only, and you are prohibited from sharing the code or link. Fees and taxes apply. Discount available to SoFi Plus members beginning 1/27/25. SoFi reserves the right to terminate or make changes to this discount at any time.

You must provide a valid payment method at checkout and the service will automatically renew at the discounted rate every year until you terminate the HelloPrivacy subscription. Your payment method will automatically be charged at the start of each subscription period for the fees and taxes applicable to that period. You must cancel your subscription before the renewal date to avoid future charges. Please see HelloPrivacy Terms of Service for complete terms and how to cancel, including calling HelloPrivacy at (646) 863-8226. You will be subject to HelloPrivacy’s Privacy Policy and Terms & Conditions.

All fees, content, and features are subject to change. This offer cannot be combined with any other offer.

This SoFi Plus benefit is provided by HelloPrivacy (dba BrandYourself), not by SoFi or its affiliates. Offers are subject to change and may have restrictions. Please review the benefit provider’s terms: HelloPrivacy Terms of Service.

¹⁴$200 off any Trust plan:

SoFi Plus members are eligible for a $200 discount on the initial purchase of a Trust. For complete SoFi Plus eligibility, please see the SoFi Plus terms.

The discount can be applied by using the link provided in the Membership & Rewards Center. Discount applied at checkout. Cannot be combined with other offers or discounts. Subsequent upgrades aren’t eligible for discount. This offer begins on February 11, 2025. This offer may be terminated or changed at any time without notice.

This SoFi Plus benefit is provided by Trust & Will, not by SoFi or its affiliates. SoFi may be compensated by the benefit provider. Offers are subject to change and may have restrictions. Please review the benefit provider’s terms: Trust & Will Terms of Service.

¹⁵Exclusive live event access:

SoFi Plus members or guests of SoFi Plus members are eligible to attend SoFi Member In-Person Experiences (a “Member Experience”). For complete SoFi Plus eligibility, please see the SoFi Plus terms.

By signing up for a Member Experience, you acknowledge that SoFi may record or photograph the Member Experience (including you, your likeness and voice) and may use such recordings or photographs publicly or privately in any form of media, including for commercial purposes. By attending a Member Experience, you consent to the recording and photographing of such Member Experience and grant SoFi an unrestricted, perpetual, non-excluding, and sublicensable license, to take, use, display, perform, distribute or exploit for any lawful and commercial purpose any recordings or photographs. By attending a Member Experience, you also agree that you will make no monetary or other claim against SoFi for the use of the recordings or photographs. If you do not agree, please do not claim a ticket and do not attend the event. We believe our community should be truly open for everyone. As such, we are committing to providing a friendly, safe, and welcoming environment for all regardless of gender, sexual orientation, disability, race, ethnicity, national origin, age, or religion. View the SoFi Experiences Code of Conduct.

¹⁶9x the national average savings rate: 9x based on FDIC monthly savings account rate as of December 16, 2024.

¹⁷$10 subscription fee: Subscribers are billed every 30 calendar days based on the initial date of subscription.

SoFi Plus members can earn up to 4.30% Annual Percentage Yield (APY) with a limited-time 0.70% APY Boost to the current Savings APY of 3.60% APY (rate current as of 8/5/2025). Rates are variable and subject to change.

SoFi Boost APY Promotion Terms

The following terms and conditions (the “Terms”) apply to the SoFi APY Boost Promotion (the “Promotion”), which allows Eligible Members (as defined below) to receive a 0.70% annual percentage yield (“APY”) boost to the APY earned on their SoFi Savings account (the “0.70% APY Boost”) for up to six months by completing the required actions described below.

Promotion Period:

August 5, 2025 at 12:00 a.m. E.T. – January 31, 2026 at 11:59 p.m. E.T.

Who is eligible for the Promotion?

Members who are new to SoFi Checking and Savings AND new to SoFi Plus as of 8/5/25 are eligible for this promotion (“Eligible Members”). Members who have previously opened a SoFi Checking and Savings account and/or previously enrolled in SoFi Plus are not eligible. You may have previously enrolled in SoFi Plus by either receiving eligible direct deposits or paying the SoFi Plus Subscription Fee. Eligible Members must complete the qualifying activities described below in order to receive the 0.70% APY Boost.

What qualifying activities do I need to complete to earn the 0.70% APY Boost?

In order to receive the 0.70% APY Boost, you must complete all qualifying activities described in either Option 1 or Option 2 below.

Option 1

•  Open a new SoFi Checking and Savings account between 8/5/2025 and 1/31/2026;

AND

•  Enroll in SoFi Plus within 60 days after opening your SoFi Checking and Savings account by either:

  Setting up and maintaining Eligible Direct Deposit, or
  Paying and maintaining the SoFi Plus Subscription Fee

AND

•  Maintain your SoFi Plus subscription for a period of six months.

Option 2

•  Enroll in SoFi Plus by paying the SoFi Plus Subscription Fee between 8/5/2025 and 1/31/2026; AND

•  Open a new SoFi Checking and Savings account by 1/31/2026; AND

•  Maintain your SoFi Plus Subscription Fee for a period of six months.

When will I begin earning the 0.70% APY Boost?

Once you have completed all qualifying activities described in either Option 1 or Option 2 above, you will begin receiving the 0.70% APY Boost on your Savings account balances by the following business day. However, if you enroll in SoFi Plus by setting up Eligible Direct Deposit, you will begin receiving the 0.70% APY Boost within one business day after SoFi recognizes your Eligible Direct Deposit.

Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you’re earning the 0.70% APY Boost, we encourage you to check your APY Details page the day after your Eligible Direct Deposit arrives. If your 0.70% APY Boost is not showing, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start earning the 0.70% APY Boost from the date you contact SoFi.

How long will I earn the 0.70% APY Boost?

You will continue to receive the 0.70% APY Boost for a period of up to six months (the “Boost Period”), provided that you remain enrolled in SoFi Plus for the full Boost Period. In order to remain enrolled in SoFi Plus for the full Boost Period, you must receive an Eligible Direct Deposit into your Checking or Savings account every 30 days or pay the SoFi Plus Subscription Fee every 30 days. See the SoFi Plus Terms and Conditions for additional details.

During the Boost Period, if you lose your SoFi Plus status for any period, you will not earn the 0.70% APY Boost for that period. Your rates will revert to the standard rates set forth on the SoFi Bank Rate Sheet at https://www.sofi.com/legal/banking-rate-sheet. However, you will be eligible to receive the 0.70% APY Boost again during the remainder of the Boost Period by re-enrolling in SoFi Plus.

Additional Important Terms:

•  Only one promotional APY offer may apply at any time. The 0.70% APY Boost may not be combined with other promotional rates.

•  Promotion is non-transferable and limited to one 0.70% APY Boost per account per member. Any subsequent accounts opened by the member will not receive the 0.70% APY Boost.

•  SoFi reserves the right to modify, suspend, or terminate the Promotion at any time without notice.

•  Standard rates are variable and subject to change at any time. There is no minimum balance requirement. Fees may reduce earnings. For current rates and additional disclosures, please see: https://www.sofi.com/legal/banking-rate-sheet.

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