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SoFi bonus: $25 to the new member (+$25 more if they subscribe to SoFi Plus at $10/mo)

SoFi Checking and Savings (friend referral). Here's what it takes, when it ends, and what it's really worth per day.

Checked Nov 2, 2026

Ended Nov 4, 2026
Net per day
$0.71
Max days to payout
35
Cash parked
$50
Net value
$24.81

The details

Bonus$25 to the new member (+$25 more if they subscribe to SoFi Plus at $10/mo)
RequirementsNo direct deposit needed: deposits totaling $50+ within 25 days (ACH, direct deposit, debit-card funding, cash, mobile check or wire; P2P and FedNow don't count).
Other conditionsMust be your first SoFi product, opened via a friend's referral link. Can't combine with SoFi's '$20 Open Offer'.
ExpiresNov 4, 2026. Promotion period 10/1/2026-11/4/2026 11:59pm ET.
Max days to payout35
Cash parked$50
Opportunity cost$0.19
Net value$24.81
Bonus as APY—
Fine printBonus within 7 business days of qualifying (no later than 74 days). The extra $25 requires a paid $10/month SoFi Plus subscription, so we don't count it. Whether it stacks with the $400 direct-deposit bonus isn't stated on this page.
VerificationVerified at issuer (issuer). Last checked Nov 2, 2026.
Sourcehttps://www.sofi.com/offers/bank-referral/

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SoFi

SoFi Checking and Savings (friend referral) · Fintech
Verified at issuer

Last verified Nov 2, 2026

$25
$25 to the new member (+$25 more if they subscribe to SoFi Plus at $10/mo)
$0.71net / day
Ended Nov 4, 2026Paid in ≤35 daysEasy
  • No direct deposit needed: deposits totaling $50+ within 25 days (ACH, direct deposit, debit-card funding, cash, mobile check or wire; P2P and FedNow don't count).
  • Must be your first SoFi product, opened via a friend's referral link. Can't combine with SoFi's '$20 Open Offer'.
Get this bonus
Goes to the official offer page
We may earn a commission from some links. It never changes the ranking.
Fine print & the math

Bonus within 7 business days of qualifying (no later than 74 days). The extra $25 requires a paid $10/month SoFi Plus subscription, so we don't count it. Whether it stacks with the $400 direct-deposit bonus isn't stated on this page.

Expires: Nov 4, 2026. Promotion period 10/1/2026-11/4/2026 11:59pm ET.

Cash parked $50 · Opportunity cost vs 4.00% savings $0.19 · Net $24.81

Source page · last verified Nov 2, 2026

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