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 + $220 cashback
Apply to SoFi IRA Match Bonus and earn up to $1,220 in combined sign-up and cashback portal bonuses.
Hold Period
5 years from the settlement date of the contribution
Qualifying Period
Contributions must be made by April 15, 2026
Payout
Within 5 business days of settlement
Requirements
- ✓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 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
- SoFi Plus subscription: $10/month
- $0 account fee for SoFi Invest IRA; SoFi Plus subscription fee applies ($10 per month)
- 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
- Rollovers and transfers from other brokerage accounts are not eligible
- 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
$1,220
Cashback Portal Bonus
$220
TopCashback: $220 cashback when you open via portal
View Cashback Portal Terms →$1,000 (sign-up) + $220 (cashback portal) = $1,220 total
Last updated June 28, 2026
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
- Contributions must be made by April 15, 2026
- Payout timeline
- Within 5 business days of settlement
- Hold period
- 5 years from the settlement date of the contribution
How to qualify
- 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
Common pitfalls
- SoFi Plus members only
- 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
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, $220 cashback portal component for a total displayed potential of $1,220. 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 IRA Match 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 IRA Match Bonus?
The qualifying period listed for SoFi IRA Match Bonus is Contributions must be made by April 15, 2026.
When does SoFi IRA Match Bonus pay out?
The payout timeline listed for SoFi IRA Match Bonus is Within 5 business days of settlement.
How long do I need to keep funds or the account for SoFi IRA Match Bonus?
The hold period listed for SoFi IRA Match Bonus is 5 years from the settlement date of the contribution.
