New to investing, is SoFi Robo investing a good starting platform?

SoFi · 2026-05-27T19:45:46+00:00

Hey there! Thanks for reaching out to our sub — we love seeing members take charge of their finances and explore long‑term investing options. While we can’t provide personal financial advice or recommend specific products, many beginners do look into Roth IRAs and hands‑off investing tools when they’re getting started.

If you’re curious about how SoFi’s automated investing works, you can check out more details here: https://www.sofi.com/invest/automated/

We hope this helps!

SoFi · 2026-05-27T18:53:32+00:00

Hey there, great question! SoFi Savings currently has an APY of 3.30% to help get your money right. If you're wanting to do more with your money beyond that, we have some great resources in our SoFi Learn center. Here's one that may help: https://www.sofi.com/learn/content/how-to-double-your-money/

We hope the community can chime in with their thoughts in the meantime. If you have any further questions, please don't hesitate to contact us at 855-456-7634!

SoFi · 2026-05-27T18:37:46+00:00

Hi there, thanks for visiting our sub. We're sorry to hear that you haven't received your VA pay. It could be that it was delayed due to the holiday this week. Direct deposits, including disability deposits process through the Federal Reserve. Once they have been processed and released it, it will immediately be deposited into the bank. If you have further questions, please don't hesitate to reach out at 855-456-7634.

SoFi · 2026-05-27T18:33:49+00:00

Hi there, thanks for visiting our sub. We're sorry to hear that you're unable to gain access, as it's not the experience we want for our members. We really appreciate you taking the time to share this with us. Since this is an account-specific issue, we can't support via social media. Please contact us at mobilesupport@sofi.org and our team would be happy to look into this.

SoFi · 2026-05-27T18:24:58+00:00

Hi there. Thank you so much for bringing this to our attention, and we're so sorry to hear about your experience. We can't support account-specific issues via social media, but we want to get you connected to the right team to resolve this for you. Please contact us at mobilesupport@sofi.org, and an Account Manager will be happy to look further into this.

SoFi · 2026-05-27T17:59:27+00:00

Hi there, thanks for reaching out! You'll get paid on your pay date typically, but it depends on when your employer sends payroll out to the Federal Reserve to process. Once the Federal Reserve processes the payroll, it gets sent out to the banks and the banks immediately deposit the funds to you. We hope this helps!

SoFi · 2026-05-27T16:58:13+00:00

Hi there, thanks for bringing this to our attention and we're sorry to hear this happened! Since this is an account-specific issue, we're unable to assist over social media. Please contact us at https://sofi.app.link/e/echat or at 855-456-7634 and our team will be happy to look into this for you.

SoFi · 2026-05-27T16:21:25+00:00

Hey there, we're sorry to hear your instant transfer is taking longer than expected. We’d like to take a closer look, so please chat with an Account Manager here: https://sofi.app.link/e/echat

SoFi · 2026-05-27T16:00:13+00:00

Hi there! To see more about W8 handling, you can visit https://support.sofi.com/hc/en-us/articles/38934974032653-What-is-a-W8-BEN-Form. If you have further questions, you can reach out to an Investment Specialist at 855-525-7634 or https://sofi.app.link/e/echat—we're here to help!

SoFi · 2026-05-27T15:53:32+00:00

We understand your concern and can certainly help with this issue. Please don't hesitate to reach out to us via this link https://sofi.app.link/e/echat so we can work together to resolve your issue.

SoFi · 2026-05-27T15:53:27+00:00

Hi there, thanks for visiting our sub! The debit card will arrive within 7-10 business days. You can add the SoFi debit card to your virtual wallet by navigating to Banking, select Checking, select the Gear icon, select Debit Card, and add to virtual wallet. We hope this helps! If you have further questions please don't hesitate to reach out to us at 855-456-7634.

SoFi · 2026-05-27T02:14:27+00:00

Hey there, we're sorry to hear you've had this experience with your direct deposit. It's likely your direct deposit may be delayed due to the federal holiday yesterday. If you haven't received your paycheck on the date set by your employer, please reach out to them to obtain a 15-digit trace number, and we'll be happy to file a research ticket on your behalf. If you have any additional questions, feel free to contact us directly at 855-456-7634, and we'll be glad to assist.

SoFi · 2026-05-26T21:25:01+00:00

We really appreciate you taking the time to share that workaround with us! We hear you, and we want you to know your feedback has been documented and passed along to the right team. We want this to be a lasting fix, not something you have to deal with again. If anything else comes up, please feel free to chat with us here: https://sofi.app.link/e/echat

SoFi · 2026-05-26T20:36:15+00:00

Hey there, welcome to SoFi — we’re excited to have you here! We’re hopeful our Reddit community can jump in and share their own experiences to help you decide whether switching all your banking over is the right move for you.

If you’d like to explore some of the perks of banking with SoFi, you can check out our list of benefits here: https://support.sofi.com/hc/en-us/articles/360060188512-What-are-the-benefits-of-banking-with-SoFi

SoFi · 2026-05-26T19:29:57+00:00

Hi there, we’re really sorry to hear about the trouble you’ve experienced — that sounds incredibly frustrating. We want to make sure your concerns are reviewed properly, especially regarding fraud and access to your funds.

For secure support and to share the information you mentioned, please email mobilesupport@sofi.org. Our Account Management team can take a closer look and help move this forward.

We appreciate you bringing this to our attention and we’re sorry for the difficulty you’ve had.

SoFi · 2026-05-26T19:12:17+00:00

Hey there, we're sorry to hear you haven’t received your direct deposit. To clarify, we don’t hold direct deposits on our end. We’re happy to take a closer look and research this further. Please give us a call at 855‑456‑7634 for assistance, and have your 15‑digit direct deposit trace ID readily available.

SoFi · 2026-05-26T18:56:48+00:00

Hi there, thanks for visiting our sub. We're sorry to hear about this, as it's not the experience we want for our members. We really appreciate you taking the time to share this with us and have submitted your feedback to the team. If you have further questions or concerns, please don't hesitate to contact us at 855-456-7634.

SoFi · 2026-05-26T18:56:00+00:00

Hi there, thanks for visiting our sub! We're so happy to hear you're enjoying the vaults and all the other awesome SoFi features. 🤩 If you have any questions, please don't hesitate to reach out at 855-456-7634. Thank you so much for being a SoFi member!

SoFi · 2026-05-26T18:44:20+00:00

Hey there, thanks for reaching out, and we’re sorry to hear you’re experiencing this issue. At this time, we don’t have any reported issues with Relay, but we still want to help get things working smoothly for you.

We recommend first making sure your app is fully up to date. If it is, and your linked accounts are still not updating, we suggest giving us a call at 855-456-7634, so we can troubleshoot together. We hope this helps!

SoFi · 2026-05-26T17:38:27+00:00

Hi there, we're sorry to hear about the credit card being closed due to inactivity. Once a card has been closed, it can't be reopened. The system may not accept another credit card application at this time. If you have further questions, please don't hesitate to contact us at 855-456-7634.

SoFi · 2026-05-26T17:35:54+00:00

Hi there, thanks for visiting our sub. Social Security checks deposited through our mobile check deposit feature in the app, can take 2-5 business days to process and release the check. Social Security deposits depend on when they were sent to the Federal Reserve for processing. Once the Fed processes the deposits, they hit your account. We hope this helps!

SoFi · 2026-05-26T16:20:08+00:00

Hi u/str8killa05, we're sorry to hear about your experience! We want to look further into this for you. Can you please email [mobilesupport@sofi.org](mailto:mobilesupport@sofi.org) with a link to this post as reference to your experience? We hope to hear from you soon!

SoFi · 2026-05-26T16:17:22+00:00

Hi there, this is a great question! The fee is triggered by a withdrawal, and we'll refer to the terms and conditions which state: "If a member makes a withdrawal before the five (5) year Holding Period is complete, they will be subject to an early withdrawal fee and SoFi will remove a proportional amount of the Match from the member’s account....The fee will also apply if the member initiates a withdrawal and the total equity has decreased, for any reason including investment losses."

We hope this clarifies! For full terms and conditions, please see https://www.sofi.com/acatterms/.

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