SoFi restructured its Invest Referral Program from an ongoing program to a limited-time promotional offer running July 14 through September 30, 2026. The updated terms introduce new eligibility requirements for referrers, including a $100 minimum asset threshold or an Eligible Direct Deposit requirement, and establish tiered bonus amounts ($75 or $50 for referrers, $25 stock bonus for new account holders) based on whether the referrer meets the asset or deposit criteria at the time of enrollment. Referrals must be completed within the Promotion Period to qualify, and the terms now explicitly define what constitutes an Eligible Direct Deposit and provide a process for disputing bonus calculations.
The updated terms convert the Invest Referral Program from an ongoing program to a limited-time promotional offer ending September 30, 2026. Referrers must now meet new eligibility criteria: either maintain at least $100 in combined assets across eligible SoFi Invest accounts or establish an Eligible Direct Deposit (recurring income deposits from employer, payroll provider, benefits provider, or government agency). Referral bonuses are tiered at $75 if the referrer meets these requirements at enrollment, or $50 if not; new account holders receive a $25 stock bonus. Referrals must be completed within the Promotion Period to qualify. You can contact SoFi at 855-456-7634 if you believe you meet the Eligible Direct Deposit requirement but did not receive the correct bonus.
→ Review your SoFi Invest account balance and Eligible Direct Deposit status to determine which bonus tier ($75 or $50) you qualify for.
→ Complete any referrals by September 30, 2026 to ensure eligibility for the promotional bonus.
→ Contact SoFi at 855-456-7634 if you believe you meet the Eligible Direct Deposit requirement but did not receive the correct bonus amount.
Program is now limited to July 14–September 30, 2026; referrals outside this window do not qualify.
Referrers must have $100 in combined assets or an Eligible Direct Deposit to earn the full $75 bonus; those without either requirement earn $50.
Defined as recurring ACH deposits of regular income from employer, payroll provider, benefits provider, or government agency; non-recurring deposits and peer-to-peer transfers do not qualify.
This change record describes what was added, removed, or modified in the document. Analysis reflects what the updated agreement states or permits. It does not constitute a legal determination about enforceability. Applicability may vary by jurisdiction. Methodology
Wording edits to this record that do not change what it claims. Changes to a claim are published as corrections.
SoFi has restructured its Invest Referral Program from an ongoing program to a limited-time promotional offer with defined start and end dates (July 14–September 30, 2026). The change introduces new eligibility criteria for referrers, establishes …
Regulatory exposure, obligation change, escalation trigger, board-ready language, and recommended action for legal and compliance teams.
Unlock the full institutional analysis — InsightConductAtlas provides verified policy intelligence sourced directly from platform documents. All analysis is intended to support, not replace, legal and compliance review. Record CA-C-003672.
SoFi revised its referral bonus program and SoFi Plus membership benefits. The Standard Bonus for new account holders decreased from …
Get the research letter
Companies change their terms quietly. We read every version and catch what actually changed. One email a week on the changes that matter and what they mean.
Get alerted when this policy changes again, including what changed and why it matters.