SoFi BankSavings accountChecked Oct 10, 2026Updated
SoFi Savings Account
0.00%APY on $10,000 · as of Oct 10, 2026
- A year on $10,000
- $0 after fees
- Monthly fee
- No monthly fee
- To open
- No minimum to open
- On our list
- #195 of 234 savings accounts, by a year’s value on $10,000
Visit SoFiThe bank’s own page · checked Oct 10, 2026
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Rates are variable; these are today’s.
| Balance | APY | A year, after fees |
|---|---|---|
| $1,000 | 0.00% | $0 |
| $5,000 | 0.00% | $0 |
| $10,000 | 0.00% | $0 |
| $25,000 | 0.00% | $0 |
| $50,000 | 0.00% | $0 |
| $100,000 | 0.00% | $0 |
Rate conditions
- Balance needed for the APY
- $0Source · checked Oct 10, 2026
- To earn the APY
- Receive an Eligible Direct Deposit into your SoFi Checking or Savings account
- Receive $5,000 in Qualifying Deposits into your SoFi Checking and Savings account
- Promotional rate lasts
- 6 monthsSource · checked Oct 10, 2026
- APY after the promotion
- 3.30%Source · checked Oct 10, 2026
Fees
- Monthly fee
- NoneSource · checked Oct 10, 2026
- Minimum to open
- NoneSource · checked Oct 10, 2026
- Overdraft fee
- NoneSource · checked Oct 10, 2026
- Returned item (NSF) fee
- NoneSource · checked Oct 10, 2026
- ATM network
- AllpointSource · checked Oct 10, 2026
- ATMs in the network
- 55,000Source · checked Oct 10, 2026
- Out-of-network ATM fee
- NoneSource · checked Oct 10, 2026
- International ATM fee
- NoneSource · checked Oct 10, 2026
- Foreign transaction fee (debit card)
- NoneSource · checked Oct 10, 2026
- Incoming domestic wire
- NoneSource · checked Oct 10, 2026
- Outgoing domestic wire
- $30Source · checked Oct 10, 2026
- Inactivity fee
- NoneSource · checked Oct 10, 2026
- Stop payment
- NoneSource · checked Oct 10, 2026
- Card replacement
- NoneSource · checked Oct 10, 2026
Who can open it
Features
Bill payEarly direct depositExtended deposit insuranceInstant external transfersInterest bearingITIN acceptedJoint accountsMobile check depositNo foreign transaction feeNo minimum balanceNo overdraft feesOnline openingSavings bucketsZelle
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money