How to Get a $25 Bonus When You Join SoFi

SoFi makes it incredibly easy to earn a quick $25 bonus just for opening a new SoFi Checking and Savings account. There’s no catch, no hidden fees, and the entire process takes only a few minutes. All you have to do is use my referral link, open your account, and deposit at least $50. Here’s exactly what to expect and how to do it.

Step 1: Click my referral link

To qualify for the free $25 bonus, you need to use my exact referral link on this page. When you click it, you’ll be taken straight to SoFi’s official signup page — no middleman, no redirects.

When you first click my referral link, you’ll see a screen like this:

This confirms you’re in the right place and that you’ll receive the $25 bonus once you meet the deposit requirement. You can continue right from there to open your new account.

Step 2: See how easy the process is

Lower on that same page, SoFi outlines exactly how the offer works in three simple steps — it’s literally shown as “1, 2, 3.”

This visual guide shows exactly what you’ll do: open your account, deposit $50, and then receive your $25 bonus automatically within a few business days.

Step 3: Open your SoFi Checking and Savings account

Once you’re on the signup page, just follow the prompts to create your account. It’s very straightforward and easy. You’ll open both a checking and savings account together, which takes about five minutes total. SoFi doesn’t require any minimum balance to start.

Step 4: Deposit $50 or more within 21 days

This step is what triggers your bonus. After your new account is active, make a total deposit of at least $50 within 21 days. You can use any of the following deposit methods:

• ACH transfer from another bank
• Direct deposit from your paycheck
• Mobile check deposit
• Wire transfer

Note: peer-to-peer apps like Venmo, PayPal, and Cash App don’t count toward the requirement.

Once your deposit settles, SoFi will automatically add your $25 bonus to your checking account within about seven business days.

Step 5: Enjoy your new high-yield account

After you’ve made your first deposit, you can start earning:

• Up to 3.80% APY on savings with direct deposit
• 0.50% APY on checking
• No account fees or minimum balance

It functions just like a high-yield savings account (HYSA) – your money earns more interest while staying accessible whenever you need it.

The bottom line

That’s all there is to it. Open your SoFi account using my link, deposit at least $50, and you’ll receive your $25 cash bonus within a few days. It’s a quick, legit way to get a little extra money while setting up a high-yield account that actually pays you to save.

SoFi’s platform is clean, modern, and easy to use – and best of all, this bonus is genuinely free money for taking five minutes to get started. You can use it as a checking account or you can just turn on direct deposits and treat it as a HYSA, that’s up to you. The point is, you have some options and SoFi is a great company.