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Banking referral guide

SoFi referral link and signup guide

Open the SoFi Money invitation before starting an application. The offer displayed by SoFi explains which new accounts qualify and whether funding or direct deposit is required.

Reviewed October 31, 2026

Open the SoFi invitation

Use the complete invitation URL so SoFi can associate the application with the referring member.

Open SoFi referral →

How the SoFi referral signup works

  1. Open the invitation and read the current offer details.
  2. Apply for a new eligible SoFi Checking and Savings account.
  3. Complete identity verification and account approval.
  4. Meet any funding or qualifying direct-deposit requirement shown by SoFi.
  5. Check the promotion terms for the expected reward schedule.
Referral promotions change. The offer displayed by SoFi during signup controls eligibility, deadlines, required activity, reward value, and payment timing.

Eligibility and reward details

SoFi may run more than one promotion at a time. Referral, direct-deposit, and other bonus programs can have different requirements and may not be combined.

What to check before you join

  • Identify which promotion is attached to this link.
  • Check whether a minimum deposit or direct-deposit amount applies.
  • Review the account and promotion terms before funding.
  • Keep records of the invitation and completed requirements.

If the referral does not track

Keep the original invitation, screenshots of the offer, confirmation messages, and any qualifying transaction details. Contact SoFi support through its official app or website and provide the requested account information. Never post private account details publicly.

Referral disclosure: We may receive a benefit if you use this link. SoFi controls eligibility, promotion terms, reward value, tracking, and timing.