How long do you have to keep money in SoFi to get the bonus?
Plan on about 90 days with roughly $5,000 parked at SoFi. Measured that way the $50 - $400 bonus is worth 32.4% effective APY, which is the only honest way to compare it to a savings account.
Route one paycheck of $5K, pocket $400. No balance lock, no gimmick.
The numbers, in full
| Payout | $50 - $400 |
|---|---|
| What it takes | Direct deposit $1,000 for $50, or $5,000 for the full $400 within 25 days. |
| Direct deposit needed | Yes |
| Money tied up | $5,000 |
| Time committed | 90 days |
| Effective APY | 32.4% |
| Per hour of your time | $686/hr |
| When it pays | 2-4 weeks after DD posts |
| Offer ends | Dec 31, 2026 |
| Last checked | Jul 5, 2026 |
What the return actually looks like
$5,000 committed for about 90 days pays $400, which annualizes to 32.4%.
Read this chart as a table
| Money committed for | Effective APY | Note |
|---|---|---|
| 30 days | 97.3% | |
| 45 days | 64.9% | |
| 60 days | 48.7% | |
| 90 days | 32.4% | The offer's own stated window |
| 120 days | 24.3% | |
| 180 days | 16.2% | |
| 270 days | 10.8% | |
| 365 days | 8.0% |
Open it
We have no referral for this one, so this goes straight to the public offer.
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