VOL. XCIV, NO. 247
SoFi Invest Review, Pricing, and Features
By Jera Value · Verified Sep 2026
SoFi Self-Directed Invest lets eligible U.S. residents buy stocks, ETFs, options, and supported fund products. Fractional purchases start at $5 for eligible securities, and recurring deposits help maintain a saving routine. Choose from supported individual, joint, or IRA accounts. Stated online commissions are zero for standard products, but transfer, inactivity, fund, and regulatory charges can apply. Brokerage cash and other SoFi products have separate account terms.
Verdict
Worth it if you want U.S. self-directed investing with small eligible fractional purchases.
- Small purchases: start eligible stock and ETF fractions at $5
- Saving routine: schedule deposits and follow holdings
- Account options: compare individual, joint, and IRA access
Skip it if you live outside its U.S. eligibility or cannot accept inactivity and transfer costs.
- U.S. residency: residents abroad and territories are excluded
- Extra fees: inactivity and outgoing transfers can cost money
- Separate products: bank, managed, and crypto terms differ
SoFi Invest
Web / Mobile · How this site is funded
Pricing
Key fees from the official fee schedule
Source-checked · Aug 23, 2026Online U.S. stocks, ETFs and options
Certain mutual and specialized funds
Margin debit interest
Selected account and transfer services
The brokerage cash sweep is an opt-in feature of SoFi Invest managed through Apex and program banks. It is separate from SoFi Checking and Savings at SoFi Bank. This profile covers self-directed brokerage through SoFi Securities. Robo Invest is an advisory service of SoFi Wealth with separate pricing, suitability, portfolio management and withdrawal mechanics. SoFi Crypto is a separate SoFi Bank account. Its digital assets are not brokerage securities and do not receive FDIC or SIPC protection. This profile does not cover that product. See the SoFi fee schedule for your country.
Key features
Stock and ETF investing
Trade eligible U.S. securities with $0 stated commissions.
Fractional purchases
Buy supported stock and ETF fractions from $5.
Options access
Trade approved listed contracts under the brokerage's terms.
Account choices
Open supported individual, joint, and IRA registrations.
Recurring deposits
Schedule account funding and follow holdings.
Tax documentation
Access applicable consolidated U.S. tax forms.
Broker details
Account and availability
Available in 1 country
Account
Individual self-directed brokerage, Joint, community-property and eligible tenancy-by-entirety accounts, Traditional, Roth, rollover and SEP IRA · USD base currency · $5 to begin self-directed investing
Cash and trading
Interest on uninvested cash
Variable; current APY not stated on the public page
Deposits
Standard ACH has no stated SoFi fee
Same-owner ACH, SoFi bank transfer, check, domestic wire, ACATS or rollover · Instant buying power can apply; excess external ACH is generally tradable after 3 business days
Withdrawals
ACH $0; outgoing wire $25
ACH to a linked same-owner bank or outgoing wire · External ACH generally takes 1 to 3 business days after cash is withdrawable
Fractional shares
Limited availability
More than 4,000 eligible stocks and ETFs · $5 buy minimum; quantities to 5 decimal places
Tax support · United States
Country tax report provided
Regulation and protection
SoFi Securities LLC
SEC and FINRA; member SIPC · CRD 151717; SEC 8-68389
Securities Investor Protection Corporation (SIPC) · $500,000, including a $250,000 cash limit
Covers missing eligible securities and cash after broker failure, not market loss. Cash already swept to a program bank is outside SIPC.
FDIC brokerage bank sweep · $250,000 per depositor, ownership category and program bank
Only cash received by a program bank qualifies, aggregated with the customer's other same-capacity deposits at that bank.
Source-checked · Reviewed Aug 23, 2026 · Official sources: SoFi Securities LLC broker registration, SoFi Invest account types, Who may open a SoFi Invest account?, SoFi Invest pricing, rates and fees, SoFi Invest account protection, Brokerage cash sweep program, Adding funds to SoFi Invest, SoFi fractional shares, SoFi Invest tax documents
FAQ
Is SoFi Invest free?
SoFi Invest should not be treated as free software. Brokerage access may have no monthly charge, but transaction, FX, market-data, custody, transfer, product, or spread costs can apply depending on the offer and jurisdiction. Check the broker details and official fee schedule.
Who is SoFi Invest best for?
It suits beginner and intermediate users.
What platforms and connections does SoFi Invest support?
You can use SoFi Invest on Web and Mobile.
Which markets does SoFi Invest cover?
SoFi Invest covers North America. It tracks Stocks, ETFs, Options, and Mutual Funds. Identifiers include Ticker.
Tool details
Highlights
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Domain Rating by Ahrefs
Asset types
- Stocks
- ETFs
- Options
- Mutual Funds
Coverage regions
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Comparisons
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Curation & Accuracy
This directory blends AI‑assisted discovery with human curation. Entries are reviewed, edited, and organized with the goal of expanding coverage and sharpening quality over time. Your feedback helps steer improvements (because no single human can capture everything all at once).
Details change. Pricing, features, and availability may be incomplete or out of date. Treat listings as a starting point and verify on the provider’s site before making decisions. If you spot an error or a gap, send a quick note and I’ll adjust.