What makes this brokerage offer different
This brokerage offer is transfer-oriented, so the practical value depends on the asset tier, transfer friction, and required hold period.
Brokerage
SoFi Invest Transfer Bonus — Up to $3,000 + $220 cashback
Apply to SoFi Invest Transfer Bonus and earn up to $3,220 in combined sign-up and cashback portal bonuses.
Hold Period
5 years
Qualifying Period
Within the offer period (05/07/26 - 05/28/26)
Payout
Within 5 business days of settlement
Requirements
- ✓Transfer via ACAT (Automated Customer Account Transfer)
- ✓Minimum transfer: $5M equivalent for max bonus
- ✓Self-directed IRA or taxable SoFi Invest account
- ✓ACAT transfer to SoFi Self-Directed IRA or taxable account
- ✓Account must be in good standing
- ✓New or existing SoFi Invest account
- ✓ACAT transfer required
- ✓ACAT transfer from another brokerage
- ✓Must settle during offer period
- ✓Assets must settle before 2026-05-28
- ✓Account must be in good standing at payout
- ✓Transferred assets must settle before end of offer period
- ✓Funds must remain in account for 5 years to retain full match
- ✓ACAT transfer of assets from another brokerage
- ✓Maximum match of $100,000 (2% of up to $5M transferred)
- ✓Transfer to SoFi self-directed IRA or taxable brokerage account
- ✓Funds must remain for 5 years
- ✓Minimum $1,000 transfer to qualify
Restrictions
- ⚠New or existing customers
- ⚠ACAT transfers only
- ⚠ACAT transfer required
- ⚠Offer period 05/07/2026 - 05/28/2026 only
- ⚠Cannot be combined with other offers
- ⚠New customers only
- ⚠Must fund account with at least $50 within qualifying period
- ⚠Only ACAT transfers eligible
- ⚠Existing or new SoFi accounts
- ⚠Self-directed IRA or taxable accounts only
- ⚠May not be combined with other offers
- ⚠ACAT transfer only
- ⚠Existing or newly opened IRA or taxable account required
- ⚠Must be in good standing
- ⚠New and existing customers eligible
- ⚠U.S. residents only
- ⚠Only asset transfers via ACAT eligible
- ⚠Applies to existing or newly opened SoFi self-directed IRA or taxable brokerage accounts
- ⚠Account must be in good standing
- ⚠ACAT transfers only (no rollovers, wires, or rollovers from other brokerage accounts)
- Applies to self-directed IRA (Traditional, Roth) or taxable accounts
Fees
- Early withdrawal fee applies if funds withdrawn before 5-year hold
- $100 ACAT outgoing fee if transferring out before 5-year hold
- Early withdrawal fee equal to full bonus/match amount if transferred out before hold period
- $0 incoming transfer fee
- $100 outgoing ACAT fee (if transferring out)
- SoFi covers up to $75 of outgoing fees from prior brokerage on transfers $5,000+
- $100 outgoing ACAT transfer fee to other brokers
- Early withdrawal fee if funds withdrawn before 5-year hold
- Early withdrawal fee equal to full match amount if ACAT out before 5-year hold period
- $0 account fee for transfers into SoFi
- $0 transfer-in fee
- $100 ACAT transfer-out fee (separate from early withdrawal penalty)
- $0 account fee
- $100 outgoing ACAT transfer fee (SoFi reimburses up to $75 of other brokers' fees for transfers $5,000+)
- $100 ACAT outgoing fee when transferring out
- Proportional match forfeiture if withdrawn early
- $0 fee for incoming ACAT transfers
- $100 ACAT outgoing transfer fee if you transfer out
- Early withdrawal fee equal to full match if withdrawn before 5-year hold period
- $0 account fee for SoFi Invest
- Match treated as taxable income; Form 1099 issued
- Early withdrawal before 5-year hold incurs forfeiture of proportional match amount
- Match treated as taxable income (Form 1099)
- Proportional match forfeiture if account withdrawn before 5-year holding period
- Funds must remain in account for entire 5-year period to keep full match
- Bonus is subject to early withdrawal fee if funds moved before 5-year hold period
- Match amount may be recouped proportionally from withdrawals
- Offer may not be combined with other offers
- Bonus treated as taxable income (1099 reporting)
- Early withdrawal before 5 years results in proportional clawback of match
- Total account equity must remain above original pre-promotion level plus deposit and match
- Investment losses do not trigger early withdrawal fee if net equity doesn't fall below threshold
- Proportional amount of match removed if withdrawal occurs before 5 years
- Match treated as taxable income (Form 1099 issued)
- Match based on total assets transferred, capped at $5M equivalent
- Early withdrawal fee applied to entire match if ACAT transfer initiated before 5 years
- Match treated as taxable income
- SoFi may remove proportional match if withdrawal occurs during 5-year hold
- Maximum match of $100,000 (equivalent to 2% of up to $5,000,000 in transfers)
- Match is calculated based on total assets transferred via ACAT
- Early withdrawal or ACAT transfer out during 5-year period results in proportional forfeiture of match
- Match is treated as taxable income (reportable on IRS Form 1099-INT, 1099-MISC, or Form 1042-S)
- SoFi reserves right to liquidate securities to recover match if needed
- 2% match applies to both taxable brokerage and IRA accounts
- Early withdrawal before 5 years: proportional match forfeiture and fee
- If total equity falls below original pre-promotion equity plus deposit and match, early withdrawal fee applies
- Fee applies even if equity decreased due to investment losses
Total potential bonus
$3,220
Cashback Portal Bonus
$220
TopCashback: $220 cashback when you open via portal
View Cashback Portal Terms →$3,000 (sign-up) + $220 (cashback portal) = $3,220 total
ExpiredOffer expired August 15, 2026
Last updated August 13, 2026
Saved source PDFs
Aug 13, 2026Change detected
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Aug 6, 2026Change detected
How to evaluate SoFi Invest Transfer Bonus
Before transferring assets, compare the bonus tier against the deposit amount, required hold period, transfer fees, and whether IRA or taxable accounts qualify.
Qualification checklist
Timing
- Qualifying period
- Within the offer period (05/07/26 - 05/28/26)
- Payout timeline
- Within 5 business days of settlement
- Hold period
- 5 years
How to qualify
- Transfer via ACAT (Automated Customer Account Transfer)
- Minimum transfer: $5M equivalent for max bonus
- Self-directed IRA or taxable SoFi Invest account
- ACAT transfer to SoFi Self-Directed IRA or taxable account
Common pitfalls
- New or existing customers
- ACAT transfers only
- ACAT transfer required
- Offer period 05/07/2026 - 05/28/2026 only
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $7,500 median, so the requirements and any referral or portal stack matter more.
Stacking potential
The tracked value can include $3,000 sign-up bonus, $220 cashback portal component for a total displayed potential of $3,220. Confirm which apply path you use before assuming every component stacks.
Requirement clarity
Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
Frequently Asked Questions
When does SoFi Invest Transfer Bonus expire?
SoFi Invest Transfer Bonus expires on August 15, 2026.
