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 Brokerage Transfer Bonus — Up to 2% match up to $100,000 on ACAT transfers
Sign up for SoFi Brokerage Transfer Bonus and earn up to $100,000 in bonus rewards.
Bonus Tiers
| Deposit | Bonus |
|---|---|
| $5,000,000 | $100,000 |
Hold Period
5 years
Qualifying Period
Within offer period (May 7 - May 28, 2026)
Payout
Within 5 business days of settlement
Requirements
- ✓ACAT transfer to SoFi Self-Directed IRA or taxable account
- ✓Account must be in good standing
- ✓Deposits must remain in account for 5 years or bonus subject to early withdrawal fee
- ✓ACAT transfer required
- ✓Min $5,000 transfer to receive any match
- ✓ACAT transfer from another brokerage
- ✓Maintain deposit for 5 years or forfeit bonus
- ✓Transfer via ACAT into SoFi self-directed IRA or self-directed taxable account
- ✓Transferred assets must settle before end of offer period
- ✓Funds must remain in account for 5 years to keep full match amount
- ✓Minimum transfer amount not specified (bonus capped at $100,000 on up to $5,000,000 transferred)
- ✓Funds must remain in account for 5 years
- ✓Transfer must settle before end of offer period
- ✓Eligible accounts: Self-directed IRA or taxable account
- ✓Account in good standing
- ✓Transferred assets must remain in account for 5 years
- ✓Minimum transfer of $1,000 (implied by typical broker minimums)
Restrictions
- ⚠ACAT transfer required
- ⚠New or existing customers eligible
- ⚠Self-directed IRA or taxable account only
- ⚠May not be combined with other offers
- ⚠Existing or newly opened SoFi self-directed account
- ⚠Account must be in good standing
- ⚠Only ACAT transfers eligible
- ⚠Assets must settle before end of offer period
- ⚠ACAT transfers only
- ⚠Only deposits made during offer period eligible
- ⚠Existing or newly opened Self-Directed IRA and/or taxable account
- ⚠Only asset transfers via ACAT eligible
- ⚠Available to existing or newly opened SoFi self-directed IRA or taxable account holders
- ⚠ACAT transfer only (no ACH, wires, or rollovers)
- ⚠Self-directed IRA or taxable account required
- ⚠Account must be in good standing at settlement
- ⚠Cannot be combined with other offers
- ⚠Available to existing or new SoFi Invest customers
- ⚠ACAT transfer required (brokerage or IRA)
- New or existing customers
Fees
- $100 ACAT outgoing transfer fee applies if transferring out during hold period
- $0 incoming ACAT fee
- $100 ACAT transfer-out fee if withdrawn before 5-year hold
- SoFi reimburses up to $75 of outgoing broker fees for transfers $5,000+
- Early withdrawal fee applies if funds withdrawn before 5-year hold
- Proportional match amount removed if account equity falls below original pre-promotion total
- $0 ACAT incoming transfer fee
- $75 ACAT outgoing fee reimbursement (up to $75, for transfers $5,000+)
- $0 fee to transfer IN to SoFi
- SoFi reimburses up to $75 of incoming ACAT fees from transferring broker (for transfers of $5,000+)
- No fees for incoming ACAT transfers to SoFi
- SoFi covers up to $75 of outgoing ACAT fees from transferring firm (for transfers $5,000+)
- SoFi covers up to $75 of incoming ACAT fees from other brokerages ($5,000+ transfer)
- $100 ACAT transfer-out fee if withdrawing from SoFi
- Match calculated based on total assets transferred via ACAT
- Match is treated as taxable income and reported on Form 1099
- Distributions required by law (e.g., RMDs in IRAs) may trigger early withdrawal fee if total equity has not risen by amount greater than withdrawal
- SoFi reserves the right to modify or terminate promotion at any time without notice
- Match calculated as 2% of total assets transferred
- Capped at $100,000 (equivalent to 2% of up to $5M transfers)
- Early withdrawal before 5 years results in proportional forfeiture of match
- Match treated as taxable income (Form 1099)
- Early withdrawal before 5 years results in early withdrawal fee on bonus
- Bonus may be considered taxable income
- Bonus is 2% of transferred assets, capped at $100,000 (equivalent to 2% of up to $5,000,000)
- Match is treated as taxable income and subject to Form 1099 reporting
- Early withdrawal before 5-year hold period subjects customer to early withdrawal fee and proportional removal of match
- Proportional amount based on breach in retention value, not retention period
- To avoid fee, total equity of account must remain at original pre-promotion total equity plus qualifying deposit and match amount
- If funds withdrawn before 5-year hold period, bonus subject to early withdrawal fee and proportional clawback
- Only existing or newly opened self-directed accounts eligible
- SoFi reserves right to modify or terminate promotion without notice
- Early withdrawal before 5 years results in proportional clawback of bonus based on breach in retention value, not retention period
- Funds must remain in account to keep entire bonus amount
- Match treated as taxable income
- Available to U.S. residents for personal use only
- Match is treated as taxable income (1099 issued if $600+)
- If customer withdraws before 5-year holding period, SoFi removes proportional amount of match
- Proportional amount calculated based on breach in retention value, not retention period
- Early withdrawal fee applies even if account value decreases due to investment losses
ExpiredOffer expired May 27, 2026
Last updated August 13, 2026
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How to evaluate SoFi Brokerage 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 offer period (May 7 - May 28, 2026)
- Payout timeline
- Within 5 business days of settlement
- Hold period
- 5 years
How to qualify
- ACAT transfer to SoFi Self-Directed IRA or taxable account
- Account must be in good standing
- Deposits must remain in account for 5 years or bonus subject to early withdrawal fee
- ACAT transfer required
Common pitfalls
- ACAT transfer required
- New or existing customers eligible
- Self-directed IRA or taxable account only
- May not be combined with other offers
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is above the current nearby $7,500 median for comparable offers in this category.
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 Brokerage Transfer Bonus expire?
SoFi Brokerage Transfer Bonus expires on May 27, 2026.
How long do I have to qualify for SoFi Brokerage Transfer Bonus?
The qualifying period listed for SoFi Brokerage Transfer Bonus is Within offer period (May 7 - May 28, 2026).
