SoFi SoFi Checking + Savings
A plan bySoFi
Neobank + crypto + invest + SoFiUSD stablecoin on ETH/Solana; 0% FX. US only; SoFiUSD ancora new. US only; SoFiUSD stablecoin (mag 2026) ancora neonata
SoFi Checking + Savings
- Price
- Free
What's included
- Banking FDIC
- High APY savings
- Investing
- Crypto sospeso US 2023
- Loans
- Credit Card
Data & conditions
| Account fee | — |
|---|---|
| IBAN | condiviso |
| Multi-currency | No |
| Outbound transfers to third-party IBANs | Yes |
| ATM withdrawal | Free |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | US · 1+ countries |
| OAM Italy registration | No |
| Segment | B2C |
| MiCA / License status | National Bank Charter (2022) OCC bank charter (USA) |
Strengths
- Neobank + crypto + invest + SoFiUSD stablecoin on ETH/Solana; 0% FX.
Weaknesses
- US only; SoFiUSD ancora new.
Verdict
Neobank + crypto + invest + SoFiUSD stablecoin on ETH/Solana; 0% FX. US only; SoFiUSD ancora new. US only; SoFiUSD stablecoin (mag 2026) ancora neonata
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
FAQ
Is SoFi a real bank?
SoFi operates under a National Bank Charter (2022) licence (US). Fund protection: FDIC $250k.
Can I send transfers to third-party IBANs with SoFi?
Yes, SoFi allows outgoing transfers to third-party IBANs, like a traditional bank account.
Does SoFi support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does SoFi support?
The number of supported fiat currencies is not documented. Multi-currency accounts: not supported.
Can I withdraw crypto on-chain from SoFi?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Data verified on Jun 1, 2026
- Verified source Data verified on Jun 13, 2026
Update history
- Entry rebuilt from the v2 canonical dataset (manually verified record).