Mobile Banking

Take banking back into your own hands.

From checking your balances to making deposits, the SoFi mobile banking app makes anytime access to your banking information safe and easy.

Open an account

A safe and secure online banking app you can count on.

We know how important it is to do what we can to keep your hard-earned money safe. That’s why SoFi online banking has safety features like:

Two-factor authentication
Multiple ways to verify your identity equals added layers of protection. Log into your mobile bank account using your fingerprint, your face, or a code sent via text.
Lock your debit or credit card.
If you lose your card, you can easily freeze it or report it as lost or stolen right from the SoFi banking app.
24/7 account monitoring
Protect your accounts against fraudulent activities with continuous monitoring and receive instant transaction alerts anytime you use your debit card.

Learn more about SoFi's online banking security →

Download the SoFi mobile banking app.

Scan for secure banking on the go.

download-sofi-banking-app

Send, receive, and deposit funds— anytime, anywhere.

Need to cash a birthday check from Mom?
Our mobile deposit feature has you covered.

Owe your BFF money for lunch last week?
P2P payments are simple to complete in the SoFi app.

Looking to make a large purchase, like buying a home or car?
You can send a domestic wire transfer to another bank directly from the SoFi app.

Easily manage
your accounts.

Managing your money shouldn’t be a chore. That’s why our mobile banking app is designed for your convenience. From quickly accessing transactions and statements to updating personal information, managing your money with SoFi is a breeze. Plus, you can set push notifications to get real-time alerts about your account.

Manage your money with financial insights.⁴

Track and manage all your finances, all in one place. With comprehensive credit score monitoring, intuitive spending breakdowns, budgeting tools, and personalized financial insights—all at no cost—it’s never been easier for members to get their money right.

All the mobile banking features you expect—and then some.

Open an account

Online bill pay

Set up recurring payments on your bills directly from your SoFi online banking account.

Online bill pay details →

Move money between accounts

Transfer money between your checking, savings, and Vault accounts instantly. You won’t pay any fees to move your money.³

Put your money on Autopilot

Use Autopilot to automatically put money in savings Vaults, move funds to your SoFi Invest account, and more.

Automatic savings details →

Pay your friends and family²

SoFi members enjoy a quick turnaround and pay no fees for P2P and Zelle^® payment options.

Send domestic wire transfers

Make same-day wire transfers before 3:30pm ET from the SoFi app or website. You’ll pay $30 per outbound wire.¹

FAQs

At SoFi, the safety of your money and account information is our top priority. To ensure the security of your account, we also ask that you follow our recommended tips here.

Get started by creating a SoFi bank account. You only need to tell us the type of account you want to open and some personal information. Better banking with SoFi is easy and only takes a few minutes.

From making mobile check deposits to downloading statements, you can handle your banking quickly and easily from your phone or computer. A mobile banking account saves you a trip to a physical branch and allows you to access your information anytime, anywhere.

Simply open the SoFi app and head to Banking. Tap Deposit,take a quick snapshot of your check, and you’re done. Yep, it’s that easy.

Peer-to-peer (P2P) payments allow you to send money to anyone with a US bank account. In the Banking section of the SoFi app, tap Transfer, then Send Money to a Friend.