What is SoFi Bank's ACH transfer limit?

SoFi Bank's standard outgoing ACH transfer limit is $50,000 per business day — among the highest of any online bank. This high limit is useful for customers moving large amounts between accounts, making down payments, or funding investment accounts.

What is SoFi's Zelle transfer limit?

SoFi Bank's Zelle daily sending limit is $500. The 30-day rolling limit is approximately $2,000. SoFi customers who need to send larger amounts should use ACH transfer (up to $50,000/day) or SoFi-to-SoFi instant transfer instead.

How does SoFi Instant Transfer work?

SoFi Instant Transfer allows same-day transfer of SoFi funds to an external debit card or bank account. The fee is 1.5% of the transfer amount, with a minimum fee of $0.25 and a maximum fee of $500. Standard ACH transfers (free, 1–3 days) are available as an alternative.

Are SoFi-to-SoFi transfers instant and free?

Yes. Transfers between two SoFi accounts (SoFi to SoFi) are instant and free with no transaction fee. This makes SoFi attractive for households where multiple members bank at SoFi.

SoFi Bank Transfer Limit 2026: ACH, Zelle, Instant Transfer Limits

SoFi Bank’s ACH transfer limit is $50,000/day — one of the highest available. Zelle limit is $500/day. Instant Transfer to external accounts costs 1.5% (max fee $500). SoFi-to-SoFi transfers are always free and instant.

SoFi Bank Transfer Limits 2026

Transfer Type	Daily Limit	Fee
ACH outgoing	$50,000	$0
ACH incoming	No limit	$0
Zelle — send	$500	$0
Zelle — 30-day limit	~$2,000	$0
SoFi-to-SoFi	No stated limit	$0 (instant)
Instant Transfer (external)	Varies	1.5% (min $0.25, max $500)
Outgoing domestic wire	Bank discretion	$0 (included)

ACH Limit: SoFi vs Competitors

Bank	ACH Daily Limit	Fee
SoFi	$50,000	$0
Axos	~$50,000	$0
Ally	~$25,000	$0
Chase	~$10,000	$0
Huntington	~$5,000	$0
Citizens	~$5,000	$0

SoFi and Axos both offer industry-leading $50,000/day ACH limits — suited for customers managing large money movements.

SoFi Instant Transfer: Fee Breakdown

Instant Transfer moves SoFi funds to an external debit card or bank account same-day. Fee is 1.5%:

Transfer Amount	Instant Transfer Fee
$100	$1.50
$500	$7.50
$1,000	$15.00
$5,000	$75.00
$33,333+	$500 (max fee)

For amounts over $33,333, the fee caps at $500 — making large Instant Transfers relatively cost-effective. Standard free ACH (1–3 days) remains the better option for non-urgent transfers.

SoFi Zelle Limitation

SoFi’s $500/day Zelle limit is lower than many competitors (Chase: $2,500/day; Huntington: $2,500/day). For large P2P payments, use SoFi-to-SoFi transfer (free, instant) or ACH if the recipient is at a different bank.

SoFi Bank routing number 2026 — 031176110
SoFi Bank fees 2026 — $0 monthly, direct deposit perks
SoFi Bank mobile deposit limit 2026 — daily check limits
SoFi Bank customer service 2026 — 24/7 support

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

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