SoFi: Bank, Invest & Crypto

Please consider improving the QuickPay/Zelle experience in two ways. First, when someone receives a payment request with a specific note or description, they should be able to simply accept that description when paying it back instead of having to retype it manually. For users who frequently exchange money with the same people, the note field is important because transactions may fall into different categories, such as rent, utilities, food, shared purchases, travel, or reimbursements. When I send a QuickPay/Zelle request with a specific description already included, requiring the other person to re-enter that same note creates unnecessary friction and slows down the transaction. A smoother flow would allow the recipient to pay the request while automatically preserving the requester’s original note, with an option to edit it only if needed. Second, QuickPay appears to require funds to come from checking rather than savings. I do not typically keep money in my checking account because savings provides benefits that checking does not. As a result, sending money through QuickPay requires an extra manual step: transferring funds from savings to checking first, then initiating the QuickPay transaction. It would be much smoother if SoFi could automatically transfer the needed amount from savings to checking for QuickPay transactions, similar to how SoFi can automatically move funds for other payments coming from checking. That would reduce friction while still allowing users to keep their funds in the account that best fits their financial needs.

Thank you so far get me back in here. I think I you working people. It’s taking care of my money and making me money. I hope y’all can make room for me. I definitely wanna be here with Sofi. So happy to DAVE what happened last night I never got much sleep can’t sleep thinking about it better I’ll keep my head up and help me make the right decision and I appreciate y’all making all the right decisions for me. I’m counting on y’all. I know you’re gonna do me a good job. I’m not worried about it. I really not so keep it up. Let’s make it awesome money again thank you for letting me back in the door. I’m tired of running wild. I’m ready for home. I got a home here with my wife in his house. I’ve been here a little over five years now I need to get a bank and make a home out of it. We here at home we make it First National Bank and we we liked a little Bank. We’re gonna keep her chicken there so far. I hope you understand. I’m hoping I’m making enough money to keep my business Checking Account there so far that way my wife likes to understand my wife like Checking Account being here I’ve moved it once in so bad and a couple other places she tired of me doing it so I gotta listen to her. Leave it here First National Bank we’ll build our own Checking Account so bad. We gotta worry about this Social Security check so moving forward I can say y’all help me out all the help I can get you. Y’all have matured me by kicking me around, throwing me up against the wall and hit me in the head. I really think I’m starting to make some sense out of all this like I say y’all help me out appreciate y’all have a good day today. God bless y’all bye-bye

This is a scam. They talk you into transering money on the promise it will be available the next day. Dont do it because they will keep your transfer for a week or more. Customer service is trash and it is not worth it. Avoid this one folks

Months and months and raving about Sofi. Bam, I get fraud and not very much. 6th all now, app is whack.

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I was told I was approved then I was denied why would they say I was approved I would give them a 0 if it was an option!!!!

Cost basis should be added/shown, as well as many investing features and insights that other brokerage apps have. Love the overall improvement of the app over the past 2 years since I started using it. Bring back the refresh account balances button!

When depositing paychecks it takes weeks for the money to be available. Same with if refunded for a purchase through a company. No convenience if depositing cash and AI chat is useless. Would not recommend setting up any accounts with them unless just claiming the referral bonus or using Zelle. Have tried to pay rent multiple times using account but since transactions pend for so long most establishments reject it and end up having to pay more on late fees with a different bank account.

They run your credit and approve you but then say there is a fee you can pay it and have less from your loan or you can get higher interest rates/monthly payments, they do similar things a few times, your 20,000 loan is now down $18,800 (but you still owe them for $20,000) with a higher interest rate. I did debt consolidation, Now we get to the paying, if you direct pay your CC’s and/loans (no car loans show up) then no problem but if you send it to your bank acct and then pay off car loans (which you’ll have to) or credit cards. Now there’s a 25% fee to send it straight to your bank acct… thats $4,700!!!! So now you’re getting a loan for $14,000 but have to pay for a $20,000 loan!?!? I looked it up on google, and they said “that is extremely unusual and borders on predatory”

I’ve had nothing but trouble and getting help is like pulling teeth from a lion. I’m going to find a different bank to deal with .