SoFi Invest® Bonus Offers: $150 Gift Card, Up to $1,000 in Stock

SoFi® specializes in a variety of financial products, including banking, credit cards, personal loans, student loan refinancing, insurance and of course investing. SoFi is also known for its generosity — frequent SoFi Invest bonuses and promotions apply, and the company counts 17.1 million members.⁽¹⁾

Right now, SoFi Invest has one limited-time offer: Finder’s $150 digital gift card, which runs from November 2 through November 30, 2026 at 11:59 p.m. ET. SoFi also has an ongoing stock claw promotion and three ongoing 1% matches for retirement and taxable deposits. A boosted 3x version of the claw, with a $3,000 top prize, ended October 18, 2026.⁽²⁾

Bonus type	Eligibility dates	Bonus amount	Requirements	Learn more
SoFi Active Invest	Nov 2, 2026 – Nov 30, 2026 (11:59 p.m. ET)	$150 digital gift card	Open a new SoFi Active Invest account via the Finder link and make an Eligible First Deposit of $1,250 or more within 5 days of clicking the link; new SoFi customers only; first-time Finder Rewards recipients only; keep the account open, in good standing and funded until the reward is fulfilled (on or before January 15, 2027)	Go to site	Finder Reward Get $150 from Finder Become a Finder member, then open a new SoFi Active Invest account through Finder as a first-time customer, and make an Eligible First Deposit of $1,250 or more within 5 days of clicking the Finder link. Keep your account open. Offer ends November 30, 2026. Separate T&Cs and limits apply.
Finder Reward Get $150 from Finder Become a Finder member, then open a new SoFi Active Invest account through Finder as a first-time customer, and make an Eligible First Deposit of $1,250 or more within 5 days of clicking the Finder link. Keep your account open. Offer ends November 30, 2026. Separate T&Cs and limits apply.
SoFi Active Invest Promotion (stock claw)	Ongoing (since July 29, 2025)	Up to $1,000 of stock	New customers opening their first SoFi self-directed brokerage account; one claw grab per member; fund the account with at least $50 in settled funds within 45 days of your grab	Go to site
Capitalize 1% Match IRA Rollover	Ongoing (since Nov. 21, 2025)	1% match	Roll over a 401(k) into a SoFi Invest IRA through Capitalize; assets must stay in the SoFi account for five years; SEP IRAs and ACAT transfers aren’t eligible	Go to site
Invest 1% IRA Deposit Match	Ongoing (since Nov. 21, 2025)	1% match	Make ACH or instant cash transfer deposits to a SoFi Invest self-directed or robo IRA; the match is capped at the annual IRS contribution limit; deposits must stay in the account for five years or an early withdrawal fee applies; SEP IRAs aren’t eligible	Go to site
SoFi Plus 1% Deposit Match	Ongoing (since Aug. 18, 2026)	1% match	Subscribe to SoFi Plus and make ACH or instant cash transfer deposits to a self-directed or robo taxable account; each deposit must stay in the account for five years or an early withdrawal fee applies	Go to site

How the SoFi Invest stock claw bonus works

SoFi’s stock claw is for new Active Investing customers. It has run since July 29, 2025, and SoFi can end it at any time. Only new customers opening their first SoFi self-directed brokerage account qualify.⁽³⁾

To claim it, open an account on the SoFi website or in the mobile app and play SoFi’s one-time electronic claw to grab a prize. You then pick a stock within 45 days and fund your account with at least $50 in settled funds within the same 45 days. SoFi deposits the stock as fractional shares within 10 business days of you meeting the requirements.⁽³⁾

The prize you win depends on the odds below:

Stock prize	Odds
$1,000	0.028%
$100	1.66%
$25	3.32%
$10	9.50%
$5	85.49%

Source: SoFi promotion rules, accessed October 20, 2026⁽³⁾

The top prize is a long shot. Most players win $5, and based on SoFi’s published odds the average prize works out to about $8 (Finder calculation). SoFi’s rules don’t say whether the claw can be combined with its other Invest promotions, so check the terms before you stack offers.⁽³⁾

SoFi Invest’s ongoing 1% matches

SoFi’s Invest matches don’t have an end date, though SoFi can change or end them at any time. Each one pays 1%, and SoFi lists none of them as combinable with another Invest promotion:⁽⁴⁾

• Capitalize 1% Match IRA Rollover: Roll over a 401(k) into a SoFi Invest IRA through Capitalize. SoFi requires the assets to stay in the account for five years, and SEP IRAs and ACAT transfers aren’t eligible.⁽⁵⁾
• Invest 1% IRA Deposit Match: Make ACH or instant cash transfer deposits to a self-directed or robo IRA. The match is capped at the annual IRS contribution limit, deposits must stay in the account for five years or an early withdrawal fee applies and SEP IRAs aren’t eligible.⁽⁶⁾
• SoFi Plus 1% Deposit Match: Subscribe to SoFi Plus and make ACH or instant cash transfer deposits to a self-directed or robo taxable account. Each deposit has its own five-year holding period, and withdrawing early can reduce the match.⁽⁷⁾

Related: SoFi banking bonuses

Compare more broker account bonuses

SoFi bonuses and promotions are a great choice when you just started investing or plan to open or roll over an IRA account. Its rewards are flexible, suiting both investment and retirement account holders with open-ended promotions that make its accounts extra attractive.

However, SoFi is not the only option for financial rewards — other brokers like Moomoo or Interactive Brokers may offer a better promotion to fit your needs, so it is important to compare your options before opening a new account.

Broker	Bonus offer	More info
Webull	Up to 3.5% IRA match	Learn more
tastytrade	$100 per referral, up to $2,400 a year	Learn more
Interactive Brokers	$200 per referral	Learn more
Moomoo	3.35% APY Cash Sweep Base Rate and one-time 4.75% APY Booster Rate Coupon on up to $20,000 for two months	Learn more

Frequently asked questions

• How do you get a bonus from SoFi investing?

  SoFi currently runs four ongoing Invest promotions. New customers who open a self-directed brokerage account can win up to $1,000 in stock through the claw promotion and must fund the account with $50 within 45 days of their grab.⁽³⁾ SoFi also offers an ongoing 1% match on 401(k) rollovers through Capitalize, an ongoing 1% match on IRA deposits and a 1% match on taxable account deposits for SoFi Plus members.⁽⁴⁾ Separately, Finder members can get a $150 digital gift card from November 2 through November 30, 2026. T&C apply.

• What are the odds of winning $1,000 with SoFi's stock claw?

  The odds of winning the $1,000 top prize are 0.028%. Most players win $5 (85.49%), and the other prizes are $100 (1.66%), $25 (3.32%) and $10 (9.50%).⁽³⁾

• Can you combine SoFi Invest bonuses?

  Not necessarily. SoFi lists its Invest matches as not combinable, which means you can't stack the Capitalize rollover match, the IRA deposit match or the SoFi Plus deposit match.⁽⁴⁾ SoFi's stock claw rules don't address combining it with other offers, so check the terms first.⁽³⁾

• Is there a SoFi IRA rollover bonus?

  Yes. SoFi offers an ongoing 1% match when you roll over a 401(k) into a SoFi Invest IRA through Capitalize. SoFi requires the assets to stay in the account for five years, and SEP IRAs and ACAT transfers aren't eligible.⁽⁵⁾ SoFi also offers a separate ongoing 1% match on ACH or instant cash transfer deposits to a self-directed or robo IRA.⁽⁶⁾

• Does SoFi Invest offer a crypto promotion?

  Not currently. SoFi's crypto trading is offered through SoFi Bank rather than SoFi Invest, and neither the stock claw nor the 1% matches apply to crypto holdings. SoFi Crypto's most recent promotion, a $300 SOFID bonus for transferring in $1,000 or more of eligible crypto, closed to new transfers on October 14, 2026. Customers who already qualified must keep their principal on the platform until October 14, 2027.⁽⁸⁾

• Is SoFi better than Fidelity?

  Both SoFi and Fidelity Investments are leaders in the investment space. Both offer commission-free online stock and ETF trading, and Fidelity charges $0 commissions on online US stock, ETF and option trades, though online options trades carry a $0.65 per contract fee.⁽⁹⁾ They also offer fractional shares and robo-advisor services. SoFi's fractional shares start at $5, while Fidelity's start at $1.^(10)(11) Fidelity also offers direct cryptocurrency trading through a dedicated Fidelity Crypto account, while SoFi offers crypto trading through SoFi Bank rather than through SoFi Invest itself.⁽¹²⁾

• SoFi Active Invest terms and conditions

  INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE
  
  Other fees, such as exchange fees, may apply. Please view our fee disclosure to view a full listing of fees.
  
  Investing in alternative investments and/or strategies may not be suitable for all investors and involves unique risks, including the risk of loss. An investor should consider their individual circumstances and any investment information, such as a prospectus, prior to investing. Interval Funds are illiquid instruments, the ability to trade on your timeline may be restricted. Brokerage and Active investing products offered through SoFi Securities LLC, Member FINRA (www.finra.org) /SIPC(www.sipc.org).
  
  There are limitations with fractional shares to consider before investing. During market hours fractional share orders are transmitted immediately in the order received. There may be system delays from receipt of your order until execution and market conditions may adversely impact execution prices. Outside of market hours orders are received on a not held basis and will be aggregated for each security then executed in the morning trade window of the next business day at market open. Share will be delivered at an average price received for executing the securities through a single batched order. Fractional shares may not be transferred to another firm. Fractional shares will be sold when a transfer or closure request is initiated. Please consider that selling securities is a taxable event.
  
  Options involve risks, including substantial risk of loss and the possibility an investor may lose the entire investment Before trading options please review the Characteristics and Risks of Standardized Options
  
  Utilizing a margin loan is generally considered more appropriate for experienced investors as there are additional costs and risks associated. It is possible to lose more than your initial investment when using margin. Please see https://www.sofi.com/wealth/assets/documents/brokerage-margin-disclosure-statement.pdf for detailed disclosure information
  
  SoFi Plus members can schedule an unlimited number of appointments with a financial planner during periods in which the SoFi Plus member meets the eligibility criteria set forth in section 10(a) of the SoFi Plus Terms and Conditions. SoFi members who are not members of SoFi Plus can schedule one (1) appointment with a financial planner. 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.
  
  The probability of a member receiving $1,000 is 0.028%. If you don’t make a selection in 45 days, you’ll no longer qualify for the promo. Members must fund their account with a minimum of $50.00 to qualify. The probability percentage is subject to decrease. Members are only eligible for the Stock Award promotion upon opening their first brokerage account; subsequent cash brokerage accounts are ineligible for the promo, including for members with multiple accounts.
  
  Terms and conditions apply*. For 401k rollovers, existing SoFi IRA members must complete 401k rollovers via this link For SoFi members without a SoFi IRA, a SoFi IRA must first be opened, and 401k rollover must be completed utilizing Capitalize via this link. SoFi and Capitalize will charge no additional fees to process a 401(k) rollover to a SoFi IRA. SoFi is not liable for any costs incurred from the existing 401k provider for rollover. Please check with your 401k provider for any fees or costs associated with the rollover. For IRA contributions, only deposits made via ACH and cash transfer from SoFi Bank accounts are eligible for the match. Click here for the 1% Match terms and conditions.
  
  Must be a SoFi Plus member at the time a recurring deposit is received into your SoFi Active or Automated investing account to qualify. Bonus calculated on net monthly recurring deposits made via ACH and paid out as Rewards Points. See Rewards Terms of Service. SoFi reserves the right to change or terminate this promotion at any time without notice. See terms and limitations. https://www.sofi.com/sofiplus/invest/#disclaimers

• SoFi Plus terms and conditions

  SoFi Plus: SoFi Plus is a premium membership that gives members access to our best rewards, benefits, and more when they 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.
  
  For SoFi Plus members, SoFi Savings is a tiered-rate account. Earn 4.70% Annual Percentage Yield (APY) on up to $20,000 in one SoFi Savings account, and 3.30% APY on all other Savings balances with a SoFi Plus membership. Promotional APY boost offers cannot be combined on balances earning a 4.70% APY. Rates are current as of 10/20/26. APY is variable and subject to change at any time. There is no minimum balance requirement. Fees may reduce earnings. Terms apply a SoFi.com/terms-of-use/#sofi-plus. See additional rates and information at SoFi.com/legal/banking-rate-sheet. SoFi Bank, N.A. Member FDIC
  
  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.
  
  INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE
  
  SoFi Invest is a trade name used by SoFi Wealth LLC and SoFi Securities LLC offering investment products and services. Robo investing and advisory services are provided by SoFi Wealth LLC, an SEC-registered investment adviser. Brokerage and self-directed investing products offered through SoFi Securities LLC, Member FINRA/SIPC.
  For disclosures on SoFi Invest platforms visit SoFi.com/legal. For a full listing of the fees associated with SoFi Invest please view our fee schedule
  
  1% Invest Match: Available to SoFi Plus members who make eligible cash deposits into non-retirement SoFi Invest accounts. You must be a SoFi Plus member at the time of deposit and keep the deposited funds in the account for five (5) years. For complete SoFi Plus eligibility, please see the SoFi Plus terms.
  Restrictions apply. Excludes internal transfers and ACAT transfers. Match may be taxable. For the full Terms & Conditions please click here.
  
  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.
  
  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.
  
  $10 subscription fee: Subscribers are billed every 30 calendar days based on the initial date of subscription.