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 IRA Match Bonus — Up to $1,000 + $200 cashback
Apply to SoFi IRA Match Bonus and earn up to $1,200 in combined sign-up and cashback portal bonuses.
Hold Period
5 years
Qualifying Period
During promotional period 1/22/2026 – 4/15/2026
Payout
Within 5 business days
Requirements
- ✓ACH transfer or cash transfer from SoFi Bank account
- ✓Contributions made to SoFi Traditional or Roth IRA
- ✓Contributions up to annual IRS limit
- ✓Active SoFi Plus membership
- ✓Contribution must remain in account for 5 years to keep match
- ✓Must be a SoFi Plus member
- ✓Eligible contributions made via ACH or SoFi Bank cash transfer
- ✓Contribution up to annual IRS limit
- ✓Maintain contribution and match in IRA for 5 years
- ✓Must be a SoFi Plus member at the time of contribution
- ✓Maintain SoFi Plus membership for 1 year after deposit settlement
- ✓Keep contributions and match in account for 5 years
- ✓Must be a US resident
Restrictions
- ⚠SoFi Plus members only
- ⚠Limited-time promotional offer (expired)
- ⚠New contributions only
- ⚠Limited-time offer (1/22/2026 – 4/15/2026)
- ⚠Traditional or Roth IRA eligible
- ⚠Limited-time offer: 1/22/2026 – 4/15/2026
- ⚠New IRA contributions only (not rollovers or transfers from other accounts)
- ⚠ACH transfer or cash transfer from SoFi Bank only
- ⚠SoFi Plus membership required
- ⚠New IRA contributions only (rollovers and transfers from other brokerage accounts are not eligible)
- ⚠Limited to annual IRS contribution limits
- ⚠ACH transfers or cash transfers from SoFi Bank accounts only
Fees
- $0 account opening fee
- SoFi Plus subscription: $10/month
- $0 account fee for SoFi Invest IRA; SoFi Plus subscription fee applies ($10 per month)
- To retain the match, contribution and 2% match must remain in IRA for minimum 5 years
- Rollovers and transfers from other brokerage accounts not eligible
- Match value may be considered taxable income
- SoFi may recoup proportional bonus if funds withdrawn before 5-year hold
- Match is treated as taxable income
- Rollovers and transfers from other brokerage accounts are not eligible
- Early withdrawal of contributions/match within 5-year period may result in proportional forfeiture of match
- Match is treated as taxable income (Form 1099-INT, 1099-MISC, or 1042-S)
- Early withdrawal or ACAT transfer before 5-year period triggers proportional clawback of match
- Match amount based on contribution; max IRS limit varies by age
- Match may be taxable income
- Early withdrawal before 5-year hold period results in proportional clawback of match
- SoFi reserves the right to modify or terminate the offer at any time without notice
Total potential bonus
$1,200
Cashback Portal Bonus
$200
TopCashback: $200 cashback when you open via portal
View Cashback Portal Terms →$1,000 (sign-up) + $200 (cashback portal) = $1,200 total
Last updated August 11, 2026
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How to evaluate SoFi IRA Match 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
- During promotional period 1/22/2026 – 4/15/2026
- Payout timeline
- Within 5 business days
- Hold period
- 5 years
How to qualify
- ACH transfer or cash transfer from SoFi Bank account
- Contributions made to SoFi Traditional or Roth IRA
- Contributions up to annual IRS limit
- Active SoFi Plus membership
Common pitfalls
- SoFi Plus members only
- Limited-time promotional offer (expired)
- New contributions only
- Limited-time offer (1/22/2026 – 4/15/2026)
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 $1,000 sign-up bonus, $200 cashback portal component for a total displayed potential of $1,200. 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
Does SoFi IRA Match 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.
