ARRIVING 3/31: Earn 4.50% APY on up to $20K exclusively with SoFi Plus.

Hey, Janet— SoFi Plus is getting a big upgrade on 3/31.

Watch your money make money with SoFi Checking and Savings. Starting 3/31, Plus members earn 4.50% APY on up to $20,000 in a SoFi Bank savings account—and 3.30% APY on all other savings balances.¹

To put this in perspective, if you max out the $20K limit, you could earn $900 in interest in a year.²

With SoFi Plus, you get these additional benefits too:


	NEW on 3/31! Unlimited 1% match on all eligible deposits into taxable SoFi Invest^® accounts³


	NEW on 3/31! 1% match on SoFi Bank crypto purchases⁴


	Unlimited one-on-one sessions with financial planners through SoFi Wealth⁵

Take more interest in your money.

Upgrade to SoFi Plus for just $10/month.⁶

Upgrade to SoFi Plus

FAQs: What happens to my limited-time promotional SoFi Checking and Savings APY boost when I set up direct deposit? Learn about promotional APY details and eligibility.

To learn more, explore the SoFi Plus Page.

Have questions? Contact us

Download the SoFi app

SoFi Plus: SoFi Plus is a premium membership that gives members access to our best rewards, benefits, and more when they pay the SoFi Plus Subscription Fee. Benefits are subject to change and may not be available to everyone. All terms and conditions applicable to the use of SoFi Plus apply. To learn more about SoFi Plus and available benefits and terms, please see the SoFi Plus page.

SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC.

¹SoFi Savings is a tiered-rate account for SoFi Plus Subscribers. Earn 4.50% Annual Percentage Yield (APY) on up to $20,000 in one SoFi Savings account, and 3.30% APY on all other Savings balances with a paid SoFi Plus subscription. Promotional APY boost offers cannot be combined on balances earning a 4.50% APY. Rates are current as of 3/31/26. APY is variable and subject to change at any time. There is no minimum balance requirement. Fees may reduce earnings. Terms apply at https://www.sofi.com/terms-of-use/#sofi-plus. See additional rates and information at: https://www.sofi.com/legal/banking-rate-sheet. SoFi Bank, N.A. Member FDIC.

²The estimated value assumes the balance remains $20,000 for a full 12-month period. Actual interest earned may vary based on account activity.

INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE

SoFi Invest is a trade name used by SoFi Wealth LLC and SoFi Securities LLC offering investment products and services. Robo investing and advisory services are provided by SoFi Wealth LLC, an SEC-registered investment adviser. Brokerage and self-directed investing products offered through SoFi Securities LLC, Member FINRA/SIPC.

For disclosures on SoFi Invest platforms visit SoFi.com/legal. For a full listing of the fees associated with SoFi Invest please view our fee schedule.

³Available to SoFi Plus members who make eligible cash deposits into taxable SoFi Invest accounts. You must be a SoFi Plus member at the time of deposit, remain a SoFi Plus member for one (1) year after the deposit settles, and keep the deposited funds in the account for five (5) years.

Canceling SoFi Plus within one year or withdrawing/transferring funds during the five-year holding period may result in forfeiture of some or all of the match. Other restrictions apply. Excludes internal transfers and ACAT transfers. Match may be taxable.

CRYPTOCURRENCY AND OTHER DIGITAL ASSETS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE

Cryptocurrency and other digital assets are highly speculative, involve significant risk, and may result in the complete loss of value. Cryptocurrency and other digital assets are not deposits, are not insured by the FDIC or SIPC, are not bank guaranteed, and may lose value.

All cryptocurrency transactions, once submitted to the blockchain, are final and irreversible. SoFi is not responsible for any failure or delay in processing a transaction resulting from factors beyond its reasonable control, including blockchain network congestion, protocol or network operations, or incorrect address information. Availability of specific digital assets, features, and services is subject to change and may be limited by applicable law and regulation.

SoFi Crypto products and services are offered by SoFi Bank, N.A., a national bank regulated by the Office of the Comptroller of the Currency. SoFi Bank does not provide investment, tax, or legal advice. Please refer to the SoFi Crypto Account Agreement for additional terms and conditions.

⁴SoFi Plus members are eligible for a 1% match on crypto buys, earned as rewards points. For complete SoFi Plus eligibility, please see the SoFi Plus terms.

ELIGIBILITY: This Promotion is open and available to SoFi Plus members who are legal residents of the fifty (50) United States and the District of Columbia and are at least eighteen (18) years of age or older as of time of promotion period. SoFi Plus status must be active through the end of the calendar month the eligible crypto buy was executed in order to qualify for the 1% match.

HOW IT WORKS: SoFi Plus members can earn a 1% match on Net Eligible Crypto Buys, subject to a lifetime aggregate Eligible Crypto Buy cap of $250,000 per member.

Eligible Transactions: An "Eligible Crypto Buy" is a completed SoFi Crypto purchase transaction that (i) is funded directly from your Checkings and Savings account at SoFi Bank, N.A. and (ii) results in a successful purchase of Supported Digital Assets (excluding stablecoins or any cash-equivalent digital assets). "Supported Digital Assets" are those digital assets available for purchase on the SoFi Crypto platform, subject to the SoFi Crypto Account Agreement. For the avoidance of doubt:
    ○ Purchases funded from a source other than a SoFi Bank, N.A. Checking & Savings account, including incoming crypto transfers, do not qualify; and
    ○ Purchases of stablecoins or other cash equivalent digital assets do not qualify.

Calculation: The 1% match means you can earn a reward equal to 1% of your Net Eligible Crypto Buys each month. To calculate your Net Eligible Crypto Buys, we: (1) add up the total U.S. dollar value of your Eligible Crypto Buys completed during the calendar month, and (2) subtract the U.S. dollar value of any cash or crypto you withdraw or transfer from your SoFi Crypto account during that same month. The remaining amount is considered your Net Eligible Crypto Buys, and the 1% reward is based on that number.
    ○ For example: If you buy $1,000 in eligible crypto during the month but withdraw $400 from your account, your Net Eligible Crypto Buys would be $600, and the 1% match would be calculated on that $600.
    ○ If your withdrawals are equal to or greater than your eligible purchases, your Net Eligible Crypto Buys will be zero or negative, and you would not earn a reward for that month.
    ○ There is a lifetime cap of $250,000 in Eligible Crypto Buys that can qualify for the 1% match. Once you reach that total amount of qualifying purchases, you will no longer earn additional match rewards on future crypto buys.

1% Match Calculation Examples:

● Standard Buy and Hold
    ○ A SoFi Plus member executes $1,000 worth of crypto buys on 4/3/2026 and holds the digital assets on platform through 4/30/2026.
    ○ 1% Match: $10 in rewards points.

● Cash/Digital Asset Withdrawal
    ○ A SoFi Plus member executes $1,000 worth of crypto buys on 4/3/2026 and withdraws $500 (cash or digital asset withdrawal) before 4/30/2026.
    ○ 1% Match: $5 in rewards points - 1% of the remaining $500 net funded amount.

● Trading/Rebalancing Portfolio
    ○ A SoFi Plus member executes a $1,000 BTC crypto buy. Later, sells $500 of BTC to buy ETH. No withdrawals made and holds digital assets on platform through the end of the calendar month the buy was executed.
    ○ 1% Match: $10 in rewards points - 1% Match based on original net funding for crypto buys.

● Market Value Changes
    ○ A SoFi Plus member executes $1,000 worth of crypto buys. Market drops portfolio value to $800. No withdrawals made and digital assets held on platform through the end of the calendar month the buy was executed.
    ○ 1% Match: $10 in rewards points - Market performance does not affect 1% match payout.

● SoFi Plus Status Changes
    ○ A SoFi Plus member executes $1,000 worth of crypto buys on 4/3/2026, but loses SoFi Plus status on 4/27/2026.
    ○ 1% Match: $0 - Must maintain SoFi Plus status for the entirety of the month to receive the 1% match payout.

PAYOUT METHOD & TIMING:
The 1% Match payout will be paid out as rewards points within two (2) weeks of the end of the calendar month. The member must maintain an active SoFi Crypto account to receive the payout. Members must enroll in SoFi Member Rewards to redeem rewards points, but not to be eligible for the match. Rewards points are subject to the SoFi Member Rewards terms.

ADDITIONAL IMPORTANT TERMS:
The SoFi Plus 1% Crypto Match Promo may be combined with other SoFi Crypto promos. The members' account must be in good standing and not subject to restrictions. Promotion is non-transferable.

SoFi reserves the right to exclude any members from participating in this Promotion for any reason, such as suspected fraud, misuse, or suspicious activity.
If SoFi suspects that there may have been fraudulent activity and/or a violation of these Terms & Conditions in connection with the Offer, or a violation of the customer agreement, SoFi reserves the right to either decline to grant the Match, or to rescind the Offer. SoFi reserves the right to liquidate any digital assets to make up for any shortfall.

⁵Appointments with financial planners:

SoFi Plus members can schedule an unlimited number of appointments with a financial planner. For complete SoFi Plus eligibility, please see the SoFi Plus Terms.

SoFi members who do not meet the SoFi Plus eligibility criteria can schedule one (1) thirty-minute appointment with a financial planner.

Members can only schedule an unlimited number of appointments with a financial planner during periods in which the member meets the SoFi Plus eligibility criteria. The ability to schedule appointments is subject to financial planner availability. SoFi reserves the right to change or terminate this benefit at any time with or without notice. Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth's advisory operations, services, and fees is set forth in SoFi Wealth's current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.

⁶$10 subscription fee: Subscribers are billed every 30 calendar days based on the initial date of subscription.

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SoFi Technologies, Inc. values your privacy and the security of your personal information so please do not include sensitive personal information, such as your Social Security number, in any email or letter that you send to us.

SoFi Technologies, Inc. 234 1st St., San Francisco, CA 94105

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© 2026 SoFi Technologies, Inc. All rights reserved.

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ARRIVING 3/31: Earn 4.50% APY on up to $20K exclusively with SoFi Plus.

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