SoFi International Money Transfer Sweepstakes
Official Rules
• NO PURCHASE OR PAYMENT IS NECESSARY TO ENTER OR WIN THIS SWEEPSTAKES. A PURCHASE OR PAYMENT OF ANY KIND DOES NOT INCREASE YOUR CHANCES OF WINNING.
• VOID WHERE PROHIBITED BY LAW.
• ALL DISPUTES WILL BE RESOLVED SOLELY BY BINDING ARBITRATION AND ENTRANTS WAIVE THE ABILITY TO BRING CLAIMS IN A CLASS ACTION FORMAT.
BY ENTERING (OR OTHERWISE PARTICIPATING IN) THE SWEEPSTAKES, YOU AGREE TO THESE OFFICIAL RULES, WHICH ARE A BINDING CONTRACT, SO READ THEM CAREFULLY BEFORE ENTERING. WITHOUT LIMITATION, THIS CONTRACT INCLUDES INDEMNITIES TO THE SWEEPSTAKES PARTIES FROM YOU AND A LIMITATION OF YOUR RIGHTS AND REMEDIES.
1. ELIGIBILITY: The SoFi International Money Transfer Sweepstakes (“Sweepstakes”) is open only to legal residents of the fifty (50) United States and the District of Columbia who are at least eighteen (18) years of age (19 in Alabama and Nebraska) or older as of time/date of entry. Employees, officers and directors of Social Finance, LLC (“Sponsor” or “SoFi”), Realtime Media LLC (“Administrator”) and their respective parent companies, affiliates, subsidiaries, advertising, contest, fulfillment and marketing agencies (collectively, the “Sweepstakes Parties”), their immediate family members and those living in the same household as such individuals (whether legally related or not) are not eligible to participate in the Sweepstakes or win a prize. For purposes of this Sweepstakes, immediate family members are defined as spouse, partner, parents, legal guardians, in-laws, grandparents, siblings, children and grandchildren and their respective spouses, and those living in the same household shall mean people who share the same residence at least three (3) months a year, whether legally related or not. Void where prohibited by law, rule, or regulation. All federal, state, and local laws, and regulations apply. By participating in the Sweepstakes, you unconditionally accept and agree to comply with and abide by these “Official Rules” and the decisions of Sponsor, including the interpretation of these Official Rules, administration of the Sweepstakes, selection of the winners, and Sponsor’s exercise of discretion, which will be final, non-appealable, and binding in all respects.
2. TIMING: The Sweepstakes begins at 12:00 a.m. (midnight) Eastern Time (“ET”) on September 9, 2026, and ends at 11:59 p.m. ET on December 9, 2026 (the “Sweepstakes Period”). The Sweepstakes Period is comprised of three (3) entry periods (each, an “Entry Period”) as set forth below:
| Entry Period | Start Date (At 12:00 a.m. ET) | End Date (At 11:59 p.m. ET) | Mail-In Entry Received By Date | Random Drawing Date (On Or About) |
| 1 | 9/9/26 | 10/8/26 | 10/13/26 | 10/14/26 |
| 2 | 10/9/26 | 11/8/26* | 11/13/26 | 11/16/26 |
| 3 | 11/9/26 | 12/9/26 | 12/14/26 | 12/15/26 |
*Mail-In Entries for Entry Period 2 must be postmarked by November 9, 2026, to be eligible.
Non-winning entries will carry forward into subsequent Entry Periods. The designated computer clock of the Sponsor is the official time-keeping device in the Sweepstakes.
3. HOW TO ENTER: During the Sweepstakes Period, you may enter the Sweepstakes using any of the following methods:
a. Complete Qualifying SoFi Pay Transfers: A SoFi Checking & Savings account is required to enter via this method. If you do not have a SoFi Checking & Savings account, you must first create one for free to enter via this method. The SoFi Terms of Use apply and are available at SoFi.com/terms-of-use/. During the Sweepstakes Period, visit SoFi.com/banking/international-money-transfer/worldwide-sweepstakes (the “Website”) and log in using your SoFi account credentials. Follow the links and instructions at the Website to open a SoFi Checking & Savings account, if you do not have an existing account.
Then, during an Entry Period, complete an international remittance transfer of at least $50 USD using SoFi Pay to an eligible recipient in a destination supported by SoFi Pay (a “Qualifying Transaction”). For each completed Qualifying Transaction made during an Entry Period, you will receive one (1) entry into the applicable Entry Period, subject to the limits below. SoFi Bank Deposit Account Agreement and the SoFi Pay Terms and Conditions apply.
b. Alternate Method of Entry: To enter the Sweepstakes without completing a Qualifying Transaction, during an Entry Period, legibly hand-print your full name, state of residence, email address, and age on a plain 3×5 inch paper or card (“Mail-In Entry”). Mail your completed Mail-In Entry to Realtime Media, Attn: SoFi International Money Transfer Sweepstakes Entry (12908), 2460 General Armistead Ave, STE 209, West Norriton, PA 19403. Refer to SoFi’s Privacy Policies: https://www.sofi.com/privacy-policies/. Each Mail-In Entry must be mailed separately in a hand-addressed, properly stamped envelope. No photocopied or mechanically reproduced Mail-In Entries will be accepted. Sponsor is not responsible for postage-due Mail-In Entries or for any incorrect or illegible data contained in any sweepstakes entry. Mail-In Entries must be postmarked by the End Date noted above for the applicable Entry Period (or, November 9, 2026 for Entry Period 2) and received no later than the Mail-In Entry Received By Date noted above for the applicable Entry Period, to be eligible for the Sweepstakes. All Mail-In Entries become the property of Sponsor and will not be returned or acknowledged. Once you have done so, you will receive one (1) entry into the Sweepstakes, subject to the limit below. If a winner entered via Mail-In Entry, such winner is required to open a SoFi Checking & Savings account in order to receive the prize, as further described below.
By entering this Sweepstakes, you acknowledge and agree that SoFi may collect and process your personal information. Your data will be directly accessible to Realtime Media for the purposes of facilitating the Sweepstakes.
The Sweepstakes Parties are not responsible for technical, electronic, telephone, hardware, software or network, computer or data transmission errors, malfunctions, or difficulties of any kind, or for false, incorrect, changed, incomplete or illegible contact information.
LIMIT: Up to three (3) entries per person per Entry Period, regardless of method of entry. Attempts made by the same individual to earn more than the stated number of entries by using multiple or false contact information, accounts or otherwise may result in disqualification. Entries generated by artificial intelligence, script, computer programs, macro, programmed, robotic or other automated means are void and may be disqualified. Entries that are in excess of the stated limit, incomplete, illegible, corrupted, damaged, destroyed, forged, false, lost, late or misdirected, deceptive, or otherwise not in compliance with the Official Rules may be disqualified from the Sweepstakes at Sponsor’s sole and absolute discretion. Those who do not follow all of Sponsor’s directions, provide the required information in their entry form, or abide by these Official Rules or other instructions of Sponsor may be disqualified. Entries submitted by those who do not meet the eligibility requirements (including all requirements with respect to age and residence) are void. In the event of a dispute over the identity of an entrant, entry will be deemed submitted by the registered account holder of the email address associated with the entry, provided that person is eligible. A winner may be required to show proof of being the registered account holder of the email address. Registered account holder is defined as the person assigned to an email address by an Internet access provider, online service provider, or other organization responsible for assigning email addresses. In the event that a dispute regarding the identity of the individual who submitted an entry cannot be resolved to Sponsor’s satisfaction, the affected entry will be deemed ineligible.
4. SWEEPSTAKES DRAWINGS: On or about each of the Random Drawing Dates set forth above, the Administrator will conduct a random drawing to select the following number of potential winners from among all eligible entries received for, or carried forward into, the applicable Entry Period in accordance with these Official Rules. See prize details below.
| Entry Period | Grand Prize Winners | First Prize Winners | Second Prize Winners | Third Prize Winners |
| 1 | 1 | 1 | 3 | 3 |
| 2 | 1 | 1 | 3 | 3 |
| 3 | 1 | 2 | 4 | 4 |
5. ODDS: Odds of winning a prize depend on the total number of eligible entries received for, or carried forward into, the Applicable Entry Period for the Sweepstakes.
6. WINNER NOTIFICATION/PRIZE CLAIMING: Each potential winner will be notified via email using the information associated with potential winner’s SoFi account or Mail-In Entry (as applicable) in a commercially reasonable time after the drawing. The Sweepstakes Parties are not responsible for and shall not be liable for false, incorrect, changed, incomplete or illegible contact information or for electronic communications that are undeliverable as a result of any form of active or passive filtering of any kind, or insufficient space in entrant’s email or other account to receive messages or late, lost, damaged, intercepted, misdirected, or unsuccessful efforts to notify the potential winner. Notification is deemed to have occurred immediately upon the sending of an email. As part of the winner notification process, each potential Grand Prize and First Prize winner will be required to sign and return a declaration of eligibility/release of liability/prize acceptance agreement (“Declaration”), within three (3) days of date of notification, as a condition of receiving the applicable prize. If a potential winner cannot be contacted within a reasonable time period, if a potential winner fails or refuses to sign and return the Declaration within the required time period (if required), if a potential winner is ineligible, if any notification is returned undeliverable, or if a potential winner otherwise fails to fully comply with these Official Rules, such potential winner will forfeit their prize and an alternate winner may be selected in a random drawing from among all remaining eligible entries received for, or carried forward into, the applicable Entry Period, up to three (3) alternates, after which the applicable prize will remain un-awarded. A potential winner becomes a “winner” only after verification of eligibility by Sponsor.
No more than the stated number of prizes will be awarded. If, for any reason, more bona fide winners come forward seeking to claim prizes in excess of the number of prizes set forth in these Official Rules, the winners of the advertised number of prizes available may be selected in a random drawing from among all persons making purportedly valid claims for such prizes. Inclusion in such drawing shall be each entrant’s sole and exclusive remedy under such circumstances.
7. PRIZES/PRIZE RESTRICTIONS: The prizes to be awarded in this Sweepstakes are:
Three (3) Grand Prizes—One (1) per Entry Period: Each “Grand Prize” is Twenty-Five Thousand and 00/100 dollars ($25,000 USD) deposited into the Grand Prize winner’s SoFi Checking & Savings account. The approximate retail value (“ARV”) of each Grand Prize is $25,000.
Four (4) First Prizes—One (1) in each of Entry Periods 1 & 2, Two (2) in Entry Period 3: Each “First Prize” is Two Thousand Five Hundred and 00/100 dollars ($2,500 USD) deposited into the First Prize winner’s SoFi Checking & Savings account. The ARV of each First Prize is $2,500.
Ten (10) Second Prizes—Three (3) in each of Entry Periods 1 & 2, Four (4) in Entry Period 3: Each “Second Prize” is One Thousand and 00/100 dollars ($1,000 USD) deposited into the Second Prize winner’s SoFi Checking & Savings account. The ARV of each Second Prize is $1,000.
Ten (10) Third Prizes—Three (3) in each of Entry Periods 1 & 2, Four (4) in Entry Period 3: Each “Third Prize” is Five Hundred and 00/100 dollars ($500 USD) deposited into the Third Prize winner’s SoFi Checking & Savings account. The ARV of each Third Prize is $500.
The total ARV of all prizes available in the Sweepstakes is $100,000.
SoFi will deliver the prize winnings to the winners only by transfer to the winner’s SoFi Checking & Savings account within 30 – 60 days from the day the Administrator verifies winner. If a winner does not have a SoFi Checking & Savings account, they can open one for free on the SoFi app or at SoFi.com for SoFi to deposit funds into the winner’s SoFi Checking & Savings account.
A winner must still have or must create a SoFi Checking & Savings account within 60 days of when the Administrator verifies the winner in order to receive their prize, or it will be forfeited. In the event a person attempts to open a SoFi Checking & Savings account and is deemed ineligible for the account, SoFi will fulfill their prize in a reasonable alternate manner at SoFi’s discretion.
Prizes are non-transferable, with no substitutions except at Sponsor’s sole and absolute discretion. All prize details not specified in these Official Rules will be determined in Sponsor’s sole and absolute discretion. Prize fulfillment details and availability are subject to change. Prizes are awarded “AS IS” and without warranty of any kind, express or implied (including, without limitation, any implied warranty of merchantability or fitness for a particular purpose). Each winner will be solely responsible for all federal, state, and/or local taxes, and for any other fees or costs associated with the prize received, regardless of whether it, in whole or in part, is used. The value of each Grand Prize and First Prize will be reported for tax purposes as required by law. Each winner of a Grand Prize and First Prize will be required to provide Sponsor with a valid social security number before their prize will be awarded for tax reporting purposes. An IRS Form 1099 (preceded by an IRS W-9) will be issued in the name of each such winner for the value of their prize. Unclaimed prizes will be forfeited. Prizes, if legitimately claimed, will be awarded. Limit one (1) prize per person. The Sweepstakes Parties are not responsible for and will not replace any lost, mutilated, or stolen prize or any prize that is undeliverable or does not reach a winner because of an incorrect or changed address or other inaccurate information. Prizes will be fulfilled as set forth above.
8. GENERAL: By entering this Sweepstakes, you acknowledge and agree that SoFi may collect and process your personal information. Your data will be directly accessible by a third-party, Realtime Media, for the purposes of facilitating the Sweepstakes. Subject to applicable law, the winner hereby expressly grants to the Sweepstakes Parties and their respective successors, assigns, sublicensees and designees, the irrevocable right to use and publish his/her name, social handles, likeness (photographic or simulated), voice, biography and place of residence for all purposes, including, without limitation, advertising, marketing, promotional and publicity purposes, in connection with this Sweepstakes (“Advertising”), in any and all media now or hereafter devised, worldwide, in perpetuity, without any form of notice, permission or any amount or kind of compensation, except for the awarding of the prizes to the winners. All copyright, trademark or other intellectual property rights in such Advertising shall be owned by Sponsor and/or its licensors, and winner hereby disclaims and waives any claim of right to such Advertising. Such Advertising shall be solely under the control of Sponsor and/or its licensors, and each winner hereby waives any claim of control over the Advertising content as well as any possible claims of misuse of each winning recipient’s name, likeness or voice under contract, tort, or any other theory of law. The Sweepstakes Parties do not assume any responsibility for any disruption in the Sweepstakes, including, but not limited to, the failure or interruption of any social media platform or any internet service provider. In the event there is a discrepancy or inconsistency between disclosures and other statements contained in any Sweepstakes materials and the terms and conditions of these Official Rules, these Official Rules shall prevail, govern, and control. In the event Sponsor is prevented from continuing with the Sweepstakes by any event beyond its control, including, but not limited to, fire, flood, epidemic, pandemic, earthquake, explosion, labor dispute or strike, act of God or public enemy, communications or equipment failure, utility or service interruptions, riot or civil disturbance, terrorist threat or activity, war (declared or undeclared), interference with the Sweepstakes by any party, or any federal, state, or local government law, order, or regulation, order of any court or jurisdiction, or other cause not reasonably within Sponsor’s control (each, a “Force Majeure” event or occurrence), Sponsor shall have the right to modify, suspend or terminate the Sweepstakes or prize. Sponsor additionally reserves the right, in its sole and absolute discretion: (a) to modify, suspend or terminate the Sweepstakes should causes beyond Sponsor’s control corrupt or interfere with the administration, integrity, operation, security or proper play of the Sweepstakes; or (b) to disqualify any entrant found to be, or suspected of: (i) tampering with the entry process or the operation of the Sweepstakes; (ii) acting in violation of these Official Rules; or (iii) acting in an un-sportsmanlike manner.
9. CONDUCT: The Sweepstakes Parties are not responsible for the actions of entrants in connection with the Sweepstakes, including entrants’ attempts to circumvent the Official Rules or otherwise interfere with the administration, security, fairness, integrity, or proper conduct of the Sweepstakes. The Sweepstakes Parties reserve the right, at their sole discretion, to disqualify any individual found to be tampering with the participation process or the operation of the Sweepstakes, or to be acting in any manner deemed by the Sweepstakes Parties to be in violation of the Official Rules, or to be acting in any manner deemed by the Sweepstakes Parties to be unsportsmanlike or disruptive, or with intent to annoy, abuse, threaten or harass any other person and void all associated Entries and/or registrations. CAUTION: ANY ATTEMPT BY A USER, YOU OR ANY OTHER INDIVIDUAL TO DAMAGE OR UNDERMINE THE LEGITIMATE OPERATION OF THE SWEEPSTAKES IS A VIOLATION OF CRIMINAL AND CIVIL LAWS, AND SHOULD SUCH AN ATTEMPT BE MADE, THE SWEEPSTAKES PARTIES RESERVE THE RIGHT TO SEEK DAMAGES AND OTHER REMEDIES (INCLUDING ATTORNEYS’ FEES) FROM ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW. Sponsor reserves the right, at its sole and absolute discretion, to disqualify (or terminate the prize of) any individual who is found to be, or suspected of, acting in violation of these Official Rules, or to be acting in an unsportsmanlike, obscene, immoral or disruptive manner, or with the intent to annoy, abuse, threaten or harass any other person.
10. WAIVERS AND DISCLAIMERS: The Sweepstakes Parties assume no responsibility or liability for: (a) lost, late, stolen, undelivered, inaccurate, incomplete, delayed, misdirected, damaged or garbled registrations, entries, URLs, or emails; (b) any incorrect or inaccurate entry information, or for any faulty or failed electronic data transmissions; (c) any unauthorized access to, or theft, destruction or alteration of entries or registrations at any point in the operation of this Sweepstakes; (d) any technical malfunction, failure, error, omission, interruption, deletion, defect, delay in operation or communications line failure, regardless of cause, with regard to any equipment, systems, networks, lines, cable, satellites, servers, computers or providers utilized in any aspect of the operation of the Sweepstakes; (e) inaccessibility or unavailability of the Internet or the website or any combination thereof or for computer hardware or software malfunctions, failures or difficulties, or other errors or difficulties of any kind whether human, mechanical, electronic, computer, network, typographical, printing or otherwise relating to or in connection with the Sweepstakes, including, without limitation, errors or difficulties which may occur in connection with the administration of the Sweepstakes, the processing of entries, social networking posts, or registrations, the announcement of the prizes, or in any other Sweepstakes-related materials; or (f) any injury or damage to entrants or to any other person’s computer which may be related to or resulting from any attempt to participate in the Sweepstakes. If, for any reason, the Sweepstakes (or any part thereof) is not capable of running as planned for reasons which may include, without limitation, infection by computer virus, tampering, unauthorized intervention, fraud, technical failures, or any other causes which may corrupt or affect the administration, security, fairness, integrity or proper conduct of this Sweepstakes, then the Sweepstakes Parties reserve the right at their sole discretion to cancel, terminate, modify or suspend the Sweepstakes in whole or in part. If terminated, the Sweepstakes Parties will award the prizes from among all non-suspect, eligible entries received for the Sweepstakes up to the time of such action.
11. RELEASES: All entrants, as a condition of participation in this Sweepstakes, agree to release, discharge, indemnify and hold harmless the Sweepstakes Parties, and each of their respective directors, officers, employees, agents, successors and assigns (collectively, “Released Parties”) from and against any and all liability, claims, costs (including attorneys’ fees), losses, damages, fines, or actions of any kind whatsoever for injuries, damages, or losses to persons or property which may be sustained, in whole or in part, directly or indirectly, in connection with: (i) participation in any aspect of the Sweepstakes (including travel to/from any Sweepstakes activity), (ii) the receipt, ownership, use or misuse of the prize awarded, including any travel associated with the prize, (iii) the Released Parties’ actual or alleged violation of rights of publicity or privacy, claims of defamation or portrayal in a false light or based on any claim of infringement of intellectual property; (iv) entrant’s registration material on any related website, or (v) any typographical, human or other error in the printing, offering, selection, operation or announcement of any Sweepstakes activity and/or prizes.
12. GOVERNING LAW AND LIMITATION OF LIABILITY: All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules or the rights and obligations of entrants, Sponsor or the Released Parties in connection with the Sweepstakes will be governed by and construed in accordance with the internal laws of the State of California, without giving effect to any choice of law or conflict of law rules or provisions that would cause the application of any other laws.
BY ENTERING THE SWEEPSTAKES, ENTRANT AGREES THAT TO THE EXTENT PERMITTED BY APPLICABLE LAW: (A) ANY AND ALL DISPUTES, CLAIMS AND CAUSES OF ACTION ARISING OUT OF OR CONNECTED WITH THE SWEEPSTAKES, OR ANY PRIZE AWARDED, WILL BE RESOLVED INDIVIDUALLY, WITHOUT RESORT TO ANY FORM OF CLASS ACTION; (B) ANY AND ALL CLAIMS, JUDGMENTS AND AWARDS WILL BE LIMITED TO ACTUAL THIRD-PARTY, OUT-OF-POCKET COSTS INCURRED (IF ANY) NOT TO EXCEED TEN DOLLARS ($10.00), BUT IN NO EVENT WILL ATTORNEYS’ FEES BE AWARDED OR RECOVERABLE; (C) UNDER NO CIRCUMSTANCES WILL ANY ENTRANT BE PERMITTED TO OBTAIN ANY AWARD FOR, AND ENTRANT HEREBY KNOWINGLY AND EXPRESSLY WAIVES ALL RIGHTS TO SEEK, PUNITIVE, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES, LOST PROFITS AND/OR ANY OTHER DAMAGES, OTHER THAN ACTUAL OUT OF POCKET EXPENSES NOT TO EXCEED TEN DOLLARS ($10.00), AND/OR ANY RIGHTS TO HAVE DAMAGES MULTIPLIED OR OTHERWISE INCREASED; AND (D) ENTRANTS’ REMEDIES ARE LIMITED TO A CLAIM FOR MONEY DAMAGES (IF ANY) AND ENTRANT IRREVOCABLY WAIVES ANY RIGHT TO SEEK INJUNCTIVE OR EQUITABLE RELIEF. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATIONS OR EXCLUSION OF LIABILITY, SO THE ABOVE MAY NOT APPLY TO YOU.
13. ARBITRATION AND DISPUTE RESOLUTION: The parties each agree to finally settle all disputes only through arbitration; provided, however, the Sponsor shall be entitled to seek injunctive or equitable relief in the state and federal courts in the State of California, and any other court with jurisdiction over the parties. In arbitration, there is no judge or jury, and review is limited. The arbitrator’s decision and award is final and binding, with limited exceptions, and judgment on the award may be entered in any court with jurisdiction. The parties agree that, except as set forth above, any claim, suit, action or proceeding arising out of or relating to this Sweepstakes shall be resolved solely by binding arbitration before a sole arbitrator under the streamlined Arbitration Rules Procedures of JAMS Inc. (“JAMS”) or any successor to JAMS. In the event JAMS is unwilling or unable to set a hearing date within fourteen (14) days of the filing of a “Demand for Arbitration”, then either party can elect to have the arbitration administered by the American Arbitration Association (“AAA”) or any other mutually agreeable arbitration administration service. If an in-person hearing is required, then it will take place in the State of California. The federal or state law that applies to these Official Rules will also apply during the arbitration. Disputes will be arbitrated only on an individual basis and will not be consolidated with any other proceedings that involve any claims or controversy of another party, including any class actions; provided, however, if for any reason any court or arbitrator holds that this restriction is unconscionable or unenforceable, then the agreement to arbitrate doesn’t apply and the dispute must be brought in a court of competent jurisdiction in the State of California. Sponsor agrees to pay the administrative and arbitrator’s fees in order to conduct the arbitration (but specifically excluding any travel or other costs of entrant to attend the arbitration hearing). Either party may, notwithstanding this provision, bring qualifying claims in small claims court.
14. ENTRY INFORMATION AND SWEEPSTAKES COMMUNICATIONS: As a condition of entering the Sweepstakes, each entrant gives consent for Sponsor to obtain and deliver his or her name, address, and other information to third parties for the purpose of administering this Sweepstakes and to comply with applicable laws, regulations, and rules. Any information entrant provides to Sponsor may be used to communicate with entrant in relation to this Sweepstakes or on a Sweepstakes winner’s list. By participating in the Sweepstakes, entrant agrees to all of the terms and conditions of the Sponsor’s Privacy Policy, which is available at www.sofi.com/privacy-policy. In the event of any discrepancy between the Sponsor’s Privacy Policy and these Official Rules with respect to the Sweepstakes, these Official Rules shall control and govern.
15. MISCELLANEOUS: The invalidity or unenforceability of any provision of these Official Rules or the Declaration will not affect the validity or enforceability of any other provision. In the event that any provision of the Official Rules or the Declaration is determined to be invalid or otherwise unenforceable or illegal, the other provisions will remain in effect and will be construed in accordance with their terms as if the invalid or illegal provision were not contained herein. Sponsor’s failure to enforce any term of these Official Rules will not constitute a waiver of that provision. Entrants agree to waive any rights to claim ambiguity of these Official Rules. Headings are solely for convenience of reference and will not be deemed to affect in any manner the meaning or intent of the documents or any provision hereof. In the event there is a discrepancy or inconsistency between disclosures or other statements contained in any Sweepstakes-related materials, privacy policy or terms of use on any website, social media platform or application and/or the terms and conditions of the Official Rules, the Official Rules shall prevail, govern and control and the discrepancy will be resolved in Sponsor’s sole and absolute discretion.
16. WINNERS LIST: To receive a list of the names of the winners, send a #10 self-addressed, stamped envelope for receipt by February 8, 2027 to: SoFi International Money Transfer Sweepstakes (12908) – Winners List Request, c/o Realtime Media, 2460 General Armistead Ave, Suite 209, West Norriton, PA 19403.
17. SPONSOR: Social Finance, LLC (“SoFi”) 234 1st Street, San Francisco, CA 94105. Reference to third parties in connection with prize and/or third-party websites or services are for reference and identification purposes only and not intended to suggest endorsement, sponsorship or affiliation with Sponsor or the Sweepstakes. SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC.
18. ADMINISTRATOR: Realtime Media LLC, 2460 General Armistead Ave, Suite 209, West Norriton, PA 19403.
SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC.
1Name of Promotion: SoFi Pay Worldwide Rollout Promotion
Eligible Participants:
All new and existing SoFi members who (i) complete the required actions set forth below by 12/31/2026, and (ii) have a SoFi Checking and Savings account in good standing are eligible to earn $30 in Rewards Points. Eligibility will be determined by SoFi in its sole discretion. One offer per person.
Promotion Period:
The SoFi Pay Worldwide Rollout Promotion (the “Promotion”) begins on 9/30/2025 at 12:01 AM ET. Eligible participants will have until the promotion ends on 12/31/2026 at 11:59 PM ET to make qualifying international remittances.
Offer Terms:
To earn $30 in Rewards Points through this Promotion, an eligible participant must successfully: (i) have a SoFi Checking and Savings account in good standing, and (ii) make three (3) international remittance transfers by 12/31/2026 at 11:59pm ET. Not all countries may be available for international remittances.
Bonus Payment Timeline:
Rewards points will be credited to your account within 45 days after all Promotion requirements have been met.
Other Important Details:
SoFi reserves the right to exclude any member from participating in this Promotion for any reason, including suspected fraud, misuse, or other suspicious activities. SoFi also reserves the right to modify, suspend, or terminate the Promotion at any time.
Bonuses are considered miscellaneous income, and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). SoFi is required to do this reporting in compliance with the applicable federal and state reporting requirements. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult with your tax advisor to determine applicable tax consequences.
SoFi Member Rewards: 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. No points will be earned with respect to reversed transactions, returned purchases, or other similar transactions. When you elect to redeem rewards points toward active SoFi accounts, including but not limited to, your SoFi Checking or 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. Brokerage and Active investing products offered through SoFi Securities LLC, Member FINRA/SIPC. SoFi Securities LLC is an affiliate of SoFi Bank, N.A.
Interest Rates:
SoFi members can earn the following annual percentage yields (APY):
With Eligible Direct Deposit:
Savings (including Vaults): 3.10% APY.
Checking: 0.50% APY.
No minimum Direct Deposit amount is required to earn the 3.10% APY on savings.
Without Eligible Direct Deposit:
Savings (including Vaults): 0.80% APY.
Checking: 0.50% APY.
Other Rates Details:
Rates are variable and are subject to change at any time.
Rates are current as of 5/28/26.
No minimum balance is required.
Fees may reduce earnings.
Additional information can be found at SoFi.com/legal/banking-rate-sheet.
2Global remittance services are available to SoFi members through SoFi Checking and Savings. SoFi Checking and Savings is offered by SoFi Bank, N.A., Member FDIC. Transfers are subject to the terms of the SoFi Bank Deposit Account Agreement in effect at the time of payment. Fees, exchange rates, and estimated delivery times will be presented prior to payment confirmation. Service availability may vary by country or recipient.
Screen images simulated.
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