SoFi Bank’s routing number is 084106768. This is the ABA routing transit number for SoFi Bank, N.A. Use this number for direct deposit, ACH transfers, and domestic wire transfers. SoFi does not support international wires — it is a US-only banking institution.
SoFi Routing Number at a Glance
| Detail | Value |
|---|---|
| ABA routing number | 084106768 |
| Bank name | SoFi Bank, N.A. |
| SWIFT code | Not available |
| International wires | Not supported |
| Use for direct deposit | ✅ Yes |
| Use for ACH transfers | ✅ Yes |
| Use for domestic wire | ✅ Yes |
| Use for Zelle | ✅ Yes (use mobile number or email) |
What SoFi’s Routing Number Is Used For
Direct Deposit Setup
To set up direct deposit with SoFi, provide your employer or payroll provider:
- Routing number: 084106768
- Account number: Found in app → Money → Checking → Account details
- Account type: Checking
Setting up qualifying direct deposit ($1,000+ per month) unlocks SoFi’s highest savings APY (up to 4.60% in 2026). Without qualifying direct deposit, savings earns ~1.20% APY.
ACH Transfers
Use 084106768 for:
- Transferring from SoFi to external banks
- Pulling funds from external accounts into SoFi
- Bill payments via bank transfer
- Peer-to-peer ACH
Domestic Wire Transfers
SoFi accepts incoming domestic wires using routing number 084106768 plus your account number. SoFi does not charge for incoming wires.
SoFi Routing Number vs Zelle
SoFi supports Zelle — no routing number is needed for Zelle transfers. Simply enroll your mobile number or email address in Zelle via the SoFi app. Zelle transfers up to $500/day with SoFi.
How to Find Your SoFi Routing and Account Number
In the app:
- Tap Money on the bottom navigation
- Tap Checking
- Tap your account name
- Tap Account details
- Routing number (084106768) and account number are displayed
Via web:
- Log into sofi.com → Money → Checking
- Click Account details
Related Guides
- SoFi fees 2026 — $0 monthly, $0 ATM at Allpoint
- SoFi ATM limit 2026 — $500/day, 55,000+ Allpoint ATMs
- SoFi minimum balance 2026 — $0 minimum, no monthly fee
- SoFi vs Ally 2026 — rates, ATM, and features compared
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