SoFi Invest Fees & Spreads (2026)
Complete cost breakdown for SoFi Invest — spreads from 0 pips. Compare with 3 similar brokers.
SoFi Invest charges spreads from 0 pips with no per-trade commission on standard accounts. Withdrawals are free. No deposit fees.
See full fee breakdown belowSoFi Invest fee summary
Min Spread
0
pips
Excellent
Commission
$0
per lot
Commission-free
Deposit Fee
Free
Free
Withdrawal Fee
Free
Free
Featured
Deriv
4.0Capital at risk · T&Cs apply
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SoFi Invest deposit & withdrawal methods
Processing times: card and e-wallet deposits are usually instant. Bank wire transfers may take 1–3 business days. SoFi Invest does not charge deposit fees.
SoFi Invest fees vs competitors
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SoFi Invest Trading Costs Explained
Understanding SoFi Invest's fee structure is essential before opening an account. The minimum spread starts at 0 pips, which is competitive compared to the industry. The broker operates on a spread-only model with no per-trade commission.
For deposits, SoFi Invest does not charge any deposit fees. Withdrawals are free of charge. Note that additional swap or overnight financing charges apply to leveraged positions held beyond market close, and an inactivity fee may be charged after prolonged periods of no trading.
When evaluating total trading costs, consider your typical trade frequency and position size. A broker with tighter spreads but a per-lot commission may be cheaper for large positions, while a spread-only model often works better for smaller or less frequent trades. Use our spread calculator to estimate costs for your typical setup, or compare average spreads across all reviewed brokers. See how we score fees in our methodology.
Spread Calculator
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Average Spread Data
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Risk warning: Trading CFDs and forex carries significant risk. Ensure you understand the risks before depositing funds. Capital is at risk.
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Frequently Asked Questions
1What are SoFi Invest's trading fees?
SoFi Invest charges spreads from 0 pips, with no per-trade commission on standard accounts. Withdrawals are free.
2Does SoFi Invest charge deposit fees?
SoFi Invest does not charge deposit fees for most payment methods.
3How do SoFi Invest spreads compare to competitors?
SoFi Invest's minimum spread of 0 pips is competitive with leading brokers. Compare the full fee breakdown in the table above.
4Are there any hidden fees with SoFi Invest?
Like most brokers, SoFi Invest may charge swap/overnight fees on positions held past market close, and an inactivity fee may apply after extended periods of no trading. Always check the broker's full fee schedule before opening an account.
5Is SoFi Invest a low-cost broker?
Yes, SoFi Invest is considered a low-cost broker with spreads from 0 pips.
6Does SoFi Invest offer CFD trading?
SoFi Invest does not offer CFD trading products. It focuses on indices and stocks and crypto — commission-free where applicable. If you are looking for a CFD broker, consider alternatives such as CMC Markets, IG Group or Pepperstone.