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 Bonus — Up to $2,000 + $200 cashback
Apply to SoFi Invest Bonus and earn up to $2,200 in combined sign-up and cashback portal bonuses.
Qualifying Period
45 days of utilizing one-time electronic claw grab
Requirements
- ✓Open new SoFi Invest Self-directed Brokerage Account
- ✓Fund account with at least $50 of settled funds within 45 days of claw grab
- ✓Cash deposit via ACH or instant transfer from SoFi Bank account
- ✓SoFi Plus subscription active at time of deposit (for 2% tier)
- ✓Maintain SoFi Plus subscription for 1 continuous year from deposit settlement date
- ✓Fund account with minimum $50 of settled funds within 45 days of using the electronic claw 'grab'
- ✓No purchase of securities required
- ✓ACAT transfer of eligible assets
- ✓Minimum transfer deposit (amount not specified in terms)
- ✓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
- ✓Transfer into SoFi Self-directed IRA or taxable account
- ✓Existing or newly opened SoFi self-directed IRA (Traditional or Roth) or taxable account
- ✓Transfer must settle by May 28, 2026
- ✓Transfer assets via ACAT into SoFi self-directed IRA or taxable account
- ✓Minimum $5,000 in transfers to qualify
- ✓Transfer into new or existing SoFi self-directed IRA or taxable account
- ✓For SoFi self-directed IRA or taxable account
- ✓Min transfer amount for bonus tier not explicitly stated; max $5M for $100K bonus
Restrictions
- ⚠New customers only
- ⚠Must open first SoFi Invest Self-directed Brokerage Account
- ⚠Subsequent cash brokerage accounts ineligible
- ⚠No securities purchase required
- ⚠Legal residents of 50 US states, Puerto Rico, or DC, age 18+
- ⚠SoFi Plus membership required for 2% match (1% available to all members)
- ⚠Non-retirement brokerage account only
- ⚠Cash deposits only (excludes ACAT, internal transfers, securities transfers)
- ⚠New SoFi Invest Self-directed Brokerage Account holders only
- ⚠Must be first self-directed brokerage account
- ⚠One promotional award per person
- ⚠ACAT transfer deposits only
- ⚠Existing or newly opened SoFi Self-Directed IRA or taxable account
- ⚠Cannot be combined with other offers
- ⚠New or existing customers
- ⚠ACAT transfers only
- ⚠ACAT transfer required
- ⚠Offer period 05/07/2026 - 05/28/2026 only
- ⚠Must fund account with at least $50 within qualifying period
- Only ACAT transfers eligible
Fees
- $0 trading fees on stocks and ETFs
- $0 options trading 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
- Probability of receiving $3,000 is 0.028%
- If no selection made within 45 days, no longer qualify for promo
- Members only eligible upon opening first brokerage account
- Probabilistic award: range from $5 to $3,000
- Match is paid in cash into the same account receiving the deposit
- Early withdrawal before 5 years results in proportional match forfeiture and early withdrawal fee
- Cannot be combined with other offers
- Match may be taxable income
- SoFi reserves the right to modify or terminate the offer at any time without notice
- Probability of receiving $3,000 is 0.026%
- Stock award is probabilistic, ranging from $5 to $3,000
- Funds must settle within up to 5 business days after transfer
- Only available to legal residents of 50 US states and District of Columbia, age 18+
- SoFi reserves right to modify or terminate at any time
- 2% match capped at $100,000 (equivalent to 2% of up to $5,000,000 in ACAT transfers)
- Early withdrawal of deposits within 5 years results in forfeiture of bonus
- Match is treated as taxable income and subject to 1099 reporting
- Offer was valid May 7-28, 2026 only
- 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
Total potential bonus
$2,200
Cashback Portal Bonus
$200
TopCashback: $200 cashback when you open via portal
View Cashback Portal Terms →$2,000 (sign-up) + $200 (cashback portal) = $2,200 total
ExpiredOffer expired October 17, 2026
Last updated October 18, 2026
Saved source PDFs
Oct 15, 2026Change detected
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Sep 14, 2026Change detected
How to evaluate SoFi Invest 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
- 45 days of utilizing one-time electronic claw grab
How to qualify
- Open new SoFi Invest Self-directed Brokerage Account
- Fund account with at least $50 of settled funds within 45 days of claw grab
- Cash deposit via ACH or instant transfer from SoFi Bank account
- SoFi Plus subscription active at time of deposit (for 2% tier)
Common pitfalls
- New customers only
- Must open first SoFi Invest Self-directed Brokerage Account
- Subsequent cash brokerage accounts ineligible
- No securities purchase required
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 $2,000 sign-up bonus, $200 cashback portal component for a total displayed potential of $2,200. 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 Bonus expire?
SoFi Invest Bonus expires on October 17, 2026.
Does SoFi Invest Bonus have a cashback portal bonus?
Yes. Credolix currently tracks a cashback portal component of $200 through TopCashback: $200 cashback when you open via portal.
