SoFi Bank’s customer service number is 1-855-456-7634. Phone support is available Monday–Thursday 5:00 AM–7:00 PM PT and Friday–Sunday 5:00 AM–5:00 PM PT. SoFi is a fully online bank with no physical branches — support is delivered by phone, in-app chat, and the help center.
SoFi Contact Options 2026
| Channel | Contact | Hours |
|---|---|---|
| Phone — banking | 1-855-456-7634 | Mon–Thu 5AM–7PM PT; Fri–Sun 5AM–5PM PT |
| In-app chat | SoFi app → Help | Extended hours |
| Help Center | support.sofi.com | 24/7 (self-service) |
| Lost/stolen card | 1-855-456-7634 | 24/7 for card emergency line |
| Physical branches | None | — |
Phone Support Hours by Day
| Day | Phone Hours (Pacific Time) |
|---|---|
| Monday | 5:00 AM – 7:00 PM |
| Tuesday | 5:00 AM – 7:00 PM |
| Wednesday | 5:00 AM – 7:00 PM |
| Thursday | 5:00 AM – 7:00 PM |
| Friday | 5:00 AM – 5:00 PM |
| Saturday | 5:00 AM – 5:00 PM |
| Sunday | 5:00 AM – 5:00 PM |
SoFi’s hours are shorter than some competitors — notably, there is no late-night coverage. For users in Eastern Time, this means calls to SoFi must be placed before 10 PM ET on weekdays (8 PM ET on weekends).
SoFi vs Competitor Customer Service Hours
| Bank | Phone Hours | 24/7? |
|---|---|---|
| SoFi | Mon–Thu 5AM–7PM PT; Fri–Sun 5AM–5PM PT | ❌ |
| Ally | 24/7 | ✅ |
| Discover | 24/7 | ✅ |
| Schwab | 24/7 | ✅ |
| Chime | Daily 3AM–11PM PT | Partial |
| Chase | 24/7 | ✅ |
SoFi’s phone support hours are the most limited among major online banks. This is a meaningful tradeoff compared to Ally or Discover for users who may need late-night banking assistance.
What to Do in an Emergency Outside SoFi’s Hours
Lost or stolen card:
- Call 1-855-456-7634 — SoFi maintains a card emergency line outside regular hours
- Alternatively, freeze the card instantly in the SoFi app: App → Debit card → Freeze card
Urgent transfer or payment:
- Use the SoFi app — transfers and Zelle payments work 24/7
- Zelle via SoFi: send up to $500/day at any time
Account access issues:
- Use the Help Center at support.sofi.com (self-service, 24/7)
- In-app chat may have extended response capabilities
How to Reach SoFi via Chat
- Open the SoFi app
- Tap Profile (bottom right)
- Tap Help & Support
- Tap Chat with us
Chat is generally available during extended hours and is often faster than the phone line during peak times.
Related Guides
- SoFi bank hours 2026 — phone hours, holiday schedule
- SoFi fees 2026 — $0 monthly, $0 ATM at Allpoint
- SoFi routing number 2026 — 084106768
- SoFi vs Ally 2026 — customer service, rates, and fee comparison
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