Brokerage

SoFi Invest ACAT Transfer Bonus — Up to $2,000 + $220 cashback

Apply to SoFi Invest ACAT Transfer Bonus and earn up to $2,220 in combined sign-up and cashback portal bonuses.

See all SoFi offers →

Hold Period

5 years

Qualifying Period

ACAT transfer must settle by May 28, 2026

Payout

Within 5 business days of settlement

Requirements

✓ACAT transfer from another brokerage
✓Must settle during offer period
✓Account must be in good standing
✓Assets must settle before 2026-05-28
✓Account must be in good standing at payout
✓Transferred assets must settle before end of offer period
✓ACAT transfer required
✓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
✓Transfer via ACAT (Automated Customer Account Transfer)
✓For SoFi self-directed IRA or taxable account
✓Min transfer amount for bonus tier not explicitly stated; max $5M for $100K bonus

Restrictions

⚠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
⚠Cannot be combined with other offers
⚠ACAT transfer required
⚠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)
⚠New or existing customers
⚠Applies to self-directed IRA (Traditional, Roth) or taxable accounts
⚠ACAT transfers only (not ACH or wire transfers)
⚠For new or existing SoFi Invest customers
⚠Limited to account good standing
⚠New or existing SoFi customers
⚠ACAT transfers only
⚠One offer per customer per calendar year
⚠Minimum $5,000 transferred
⚠Maximum match $100,000 (2% of up to $5,000,000)
⚠Not available with other offers
⚠For new or existing customers
⚠New or existing SoFi Invest customers
⚠ACAT transfers only (internal transfers not eligible)
⚠IRA or taxable brokerage accounts only
⚠New or existing customers eligible
⚠Into self-directed IRA or taxable account
⚠Offer may not be combined with other offers
⚠ACAT (asset transfer) required
⚠Available to existing or new SoFi self-directed accounts
⚠ACAT transfers only (no direct deposits eligible)
⚠Offer Period: May 7, 2026 - May 28, 2026
⚠Available to new or existing SoFi Invest customers
⚠New or existing SoFi Invest self-directed account
⚠New or existing SoFi Invest account
⚠IRA or taxable account
⚠Available to new or existing customers

Fees

$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

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
Match treated as taxable income (Form 1099)
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
Cannot combine with other offers
Early withdrawal before 5 years results in proportional match forfeiture
Early withdrawal fee applies if account equity falls below original balance plus match
Cannot be combined with other offers
Offer may not be combined with other offers
Early withdrawal or transfer before 5-year hold forfeits proportional match amount
Match bonus is paid as cash
Match may be subject to tax reporting via Form 1099
If funds withdrawn before 5-year holding period, early withdrawal fee applies and proportional match amount is removed
Proportional amount based on breach in retention value, not retention period
Match is treated as taxable income
Match is treated as taxable income (Form 1099)
Offer applies to existing or newly opened accounts
Early withdrawal within 5-year hold forfeits proportional match
Match treated as interest earned, reported on IRS Form 1099-INT
SoFi may modify or terminate offer without notice
Fee based on breach in retention value, not retention period
Total account equity must remain at or above original pre-promotion level plus deposit and match to avoid fee
Match paid in cash
Match is taxable income (Form 1099)
Bonus is 2% of transferred assets, capped at $100,000 (max $5M transfer)
Early withdrawal before 5 years triggers proportional match clawback and early withdrawal fee
Total equity must equal or exceed original pre-promotion total equity plus match to avoid fee on withdrawals
Proportional amount of match removed if withdrawal occurs before 5-year holding period
Early withdrawal fee equals proportional match amount forfeited
Total account equity must remain above original pre-promotion amount plus match to avoid fee
Match may be taxable income
SoFi may liquidate securities to cover early withdrawal fees
Early withdrawal before 5 years forfeits proportional match amount
Proportional clawback based on breach in retention value, not retention period
Early withdrawal fee applies if total equity falls below original pre-promotion amount plus deposit and match
Early withdrawal before 5-year holding period results in proportional fee and match removal based on breach in retention value
Internal transfers and rollovers not eligible

Total potential bonus

$2,220

Sign-Up Bonus

$2,000

View Promo Terms →

Cashback Portal Bonus

$220

TopCashback: $220 cashback when you open via portal

View Cashback Portal Terms →

$2,000 (sign-up) + $220 (cashback portal) = $2,220 total

Expired

Last updated July 6, 2026

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Discussion

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How to evaluate SoFi Invest ACAT 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.

More brokerage bonuses →All SoFi offers →Brokerage bonuses for small deposits →Best brokerage bonuses list →

Qualification checklist

Timing

Qualifying period: ACAT transfer must settle by May 28, 2026
Payout timeline: Within 5 business days of settlement
Hold period: 5 years

How to qualify

ACAT transfer from another brokerage
Must settle during offer period
Account must be in good standing
Assets must settle before 2026-05-28

Common pitfalls

Only ACAT transfers eligible
Existing or new SoFi accounts
Self-directed IRA or taxable accounts only
May not be combined with other offers

What makes this offer different

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.

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, $220 cashback portal component for a total displayed potential of $2,220. 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

Does SoFi Invest ACAT Transfer Bonus have a cashback portal bonus?

Yes. Credolix currently tracks a cashback portal component of $220 through TopCashback: $220 cashback when you open via portal.

How long do I have to qualify for SoFi Invest ACAT Transfer Bonus?

The qualifying period listed for SoFi Invest ACAT Transfer Bonus is ACAT transfer must settle by May 28, 2026.

When does SoFi Invest ACAT Transfer Bonus pay out?

The payout timeline listed for SoFi Invest ACAT Transfer Bonus is Within 5 business days of settlement.

How long do I need to keep funds or the account for SoFi Invest ACAT Transfer Bonus?

The hold period listed for SoFi Invest ACAT Transfer Bonus is 5 years.

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Requirements

✓ACAT transfer from another brokerage

✓Must settle during offer period

✓Account must be in good standing

✓Assets must settle before 2026-05-28

✓Account must be in good standing at payout

✓Transferred assets must settle before end of offer period

✓ACAT transfer required

✓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

✓Transfer via ACAT (Automated Customer Account Transfer)

✓For SoFi self-directed IRA or taxable account

✓Min transfer amount for bonus tier not explicitly stated; max $5M for $100K bonus

Restrictions

⚠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

⚠Cannot be combined with other offers

⚠ACAT transfer required

⚠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)

⚠New or existing customers

⚠Applies to self-directed IRA (Traditional, Roth) or taxable accounts

⚠ACAT transfers only (not ACH or wire transfers)

⚠For new or existing SoFi Invest customers

⚠Limited to account good standing

⚠New or existing SoFi customers

⚠ACAT transfers only

⚠One offer per customer per calendar year

⚠Minimum $5,000 transferred

⚠Maximum match $100,000 (2% of up to $5,000,000)

⚠Not available with other offers

⚠For new or existing customers

⚠New or existing SoFi Invest customers

⚠ACAT transfers only (internal transfers not eligible)

⚠IRA or taxable brokerage accounts only

⚠New or existing customers eligible

⚠Into self-directed IRA or taxable account

⚠Offer may not be combined with other offers

⚠ACAT (asset transfer) required

⚠Available to existing or new SoFi self-directed accounts

⚠ACAT transfers only (no direct deposits eligible)

⚠Offer Period: May 7, 2026 - May 28, 2026

⚠Available to new or existing SoFi Invest customers

⚠New or existing SoFi Invest self-directed account

⚠New or existing SoFi Invest account

⚠IRA or taxable account

⚠Available to new or existing customers

Fees

$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