SoFi Invest sign-up bonus
Open SoFi Active Invest, fund $50+ within 45 days. Realistic expected value is ~$10–$12 of stock for a $50 deposit you keep, with no hold — a clean stack filler alongside Robinhood and Public.
The numbers
$5–$1,000
avg $12
$50
No hold required
Instant
The real math
How to claim it
Open a new SoFi Active Invest (self-directed brokerage) account and fund it with at least $50 within 45 days of opening. You receive a mystery slice of stock worth between $5 and $1,000. The payout is heavily skewed — roughly 85% of recipients get the $5 minimum and the $1,000 top prize has about a 0.026% chance.
Available in: US.
Age requirement: 18+.
When this bonus makes sense
Trading-app sign-up bonuses work well if you were planning to open a brokerage account anyway, or if you want a low-stakes way to experiment with stocks or fractional shares. The minimum deposit requirements are usually small ($10–$1,000), and you can sell any bonus stock and withdraw to your bank after a brief holding period.
When to skip it
Skip if you already have an active account at this brokerage — referral bonuses almost always require new accounts only. Also skip if the platform doesn't offer the asset class you actually want to invest in; switching brokerages for $10 of free stock isn't worth the friction of moving assets later.
Replaces SoFi's earlier 2% ACAT transfer-match promo, which ran only May 7–28, 2026 and has ended. SoFi separately offers a 1% IRA rollover match via Capitalize for retirement transfers.
How to maximize this bonus
Stack with other no-hold trading bonuses (Robinhood + Public + Moomoo) using small slices of capital. Brokerages don't care whether you have accounts elsewhere, so you can claim multiple bonuses from different platforms in the same week.
Frequently asked about SoFi Invest
What is the SoFi Invest sign-up bonus worth?
SoFi Invest pays between $5 and $1,000, with a realistic average of $12.
What's the effective APR on the SoFi Invest bonus?
The SoFi Invest bonus is treated as "instant" — there's no meaningful hold period, so the effective APR concept doesn't apply. You can claim the bonus and withdraw shortly after.
Is the SoFi Invest bonus taxable?
Yes. Sign-up bonuses are typically treated as miscellaneous income by the IRS and must be reported on your tax return. SoFi Invest will issue a 1099-INT or 1099-MISC if your earnings exceed $10. At a 22% federal bracket, the after-tax value of a $12 bonus is roughly $9.
Can I stack the SoFi Invest bonus with bonuses from other brokerages?
Yes — brokerages don't restrict opening accounts at competitors. You can hold a SoFi Invest bonus alongside Robinhood, Webull, Moomoo, Public, SoFi, and others. Use the Stack Planner to find the optimal combination for your available capital.
Ready to claim the SoFi Invest bonus?
All terms apply at SoFi Invest. Read their full disclosure before opening an account.
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