SoFi

Does SoFi have Zelle? Yes. SoFi Bank offers Zelle in SoFi Checking and Savings at $0 per transfer, with a $1,000 per transaction and per day send limit and no limit on money you receive. SoFi sends and receives domestic wires only: $30 to send one, $0 to receive one. Outgoing wire requests sent before 3:30 PM ET on a business day are mostly processed the same day.

At a glance

• ZelleYes, in SoFi Checking and Savings
• Zelle limits$1,000 per transaction and per day (sending)
• Domestic wire out$30
• Incoming wire$0 (domestic only)
• International wire outNot offered
• Wire cutoff3:30 PM ET (outgoing)

Sources: Banking fees · Transaction limits · How to send and receive wire transfers · Checked on September 27, 2026

Zelle at SoFi

SoFi Checking and Savings members can “easily send and receive money with Zelle.” SoFi’s fee sheet lists Zelle and P2P transfers, incoming and outgoing, at $0 per transfer. “At SoFi, there are currently no limits to the amount of money you can receive with Zelle.”

Outgoing Zelle payments are limited to $1,000 per transaction and per day. SoFi notes that certain members may have higher limits than those shown. SoFi’s own Pay a Friend feature has separate limits: $1,000 per day, $1,000 per week and $3,000 per month domestic; $300 per day and $3,000 per month international.

Source: Transaction limits (last updated April 8, 2026) · Zelle FAQ (undated) · Checked on September 27, 2026

Wire transfers at SoFi

“Most outgoing wire requests that are sent before 3:30 PM ET on business days are processed the same day.” SoFi receives inbound wires from 7:30 AM to 5:00 PM ET on business days, excluding federal holidays. Outgoing wires leave from Checking only, through the FedWire Funds Service, in U.S. dollars to banks in the United States and U.S. territories; SoFi may call you back to verify the details. In the app, go to the Banking tab, then Transfer, then Wire Transfer, and confirm your identity. There is no minimum or maximum wire amount beyond your balance plus the $30 fee.

SoFi does not permit wires outside the United States and U.S. territories or in foreign currencies, and “International wires are not accepted.” Its global remittance transfers, which are not wires, cost 0.50% of the amount.

Source: Banking fees, effective May 18, 2026 · How to send and receive wire transfers (undated) · Deposit Account Agreement (February 18, 2026) · Checked on September 27, 2026

External transfers (ACH)

An ACH withdrawal you start in the SoFi app or website is limited to $5,000 per day and $15,000 per month, cumulative. ACH deposit limits are “disclosed to you at the time that you initiate a transfer.” Outgoing Instant Transfers are limited to $500 per day and $1,000 per month and cost 0.75% of the amount (minimum $1, maximum $30).

Source: Transaction limits (last updated April 8, 2026) · Checked on September 27, 2026

If a transfer is late or went wrong

If a Zelle payment has not arrived, read Zelle payment pending; to stop one, see cancel a Zelle payment, and if you were tricked, Zelle scam refund. For wires, see wire transfer not received and how long do wire transfers take; for ACH, ACH transfer pending. Contact SoFi through the number on your card or in the app.

Fees and limits can differ by account type; your account agreement is the final word.