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Beginner and intermediate U.S. investors · Existing SoFi banking/loan customers wanting an integrated app · Investors seeking $0 stock/ETF/options commissions

Best suited for U.S.-centric investors and active traders who want a large, bank-affiliated multi-asset brokerage with $0 online listed stock/ETF commissions, strong platform dept…

SoFi Securities LLC is FINRA/SIPC member; SoFi Wealth LLC is an SEC-registered investment adviser.

SEC; FINRA; SIPC; CFTC; NFA; FDIC

SoFi Securities LLC: CRD# 151717/SEC# 8-68389; SoFi Wealth LLC: CRD# 167958/SEC# 801-78185.

Charles Schwab & Co., Inc. CRD 5393; SEC 801-29938 and 8-16514

SoFi Invest is a trade name used by SoFi Wealth LLC and SoFi Securities LLC; SoFi Wealth provides robo/advisory services and SoFi Securities provides brokerage/self-directed services.

Charles Schwab & Co., Inc.; Charles Schwab Futures and Forex LLC; Charles Schwab Bank, SSB; Charles Schwab Premier Bank, SSB

No negative-balance protection identified; SoFi margin disclosure warns it is possible to lose more than the initial investment when using margin.

Not disclosed as retail brokerage negative balance protection; futures/forex are leveraged and losses may exceed initial investment.

SIPC up to $500,000 including $250,000 cash; not market-loss protection.

SIPC protection up to $500,000 including a $250,000 cash limit for brokerage account assets; futures accounts are not protected by SIPC.

Self-Directed minimum to begin investing: $5; Robo-Advisor minimum to begin investing: $50.

$0 minimum for standard U.S. brokerage and IRA accounts; Schwab One International accounts require a minimum deposit but amount is not disclosed in checked official pages.

Not applicable: SoFi Invest is not presented as a forex/CFD spread broker in the researched official sources.

Not applicable to this stock/ETF investment broker profile; no CFD/FX spread schedule identified as a core product in reviewed sources.

$0 commissions on U.S. stocks, ETFs and options; other/regulatory fees apply.

stock_commission: $0 online commission for listed stocks and ETFs; OTC equities $6.95; broker-assisted service charge $25; etf_commission: $0 online commission for listed U.S.-exchange ETFs; options_commission: $0 online base commission plus $0.65 per options contract; futures_commission: $2.25 per contract, per side, for futures and futures options; exchange, regulatory, overnight, NFA, and market-data fees may apply; mutual_fund_commission: $0 on thousands of Schwab Mutual Fund OneSource funds; all other mutual funds up to $74.95 per purchase; bond_commission: New-issue bonds/CDs: $0 online/selling concession included; Treasuries online $0; most other secondary bonds $1 per bond with $10 minimum and $250 maximum; forex_commission: $0 commission; forex trade costs are reflected in the bid/ask spread

Incoming ACAT $0; incoming wire $0; returned/insufficient funds $30.

$0 for funds entering a standard brokerage account; banking deposit services generally no monthly/account minimum fees, but certain services can have fees

Outgoing ACAT $100; outgoing wire $25; DRS $115/security.

No fee for routine withdrawals from standard brokerage per FAQ; full outbound ACAT $50 and outgoing wire $25; Schwab Bank Investor Checking has unlimited ATM fee rebates for cash withdrawals worldwide, subject to conditions.

$25 per account per 6 months of login inactivity.

$0 annual maintenance/inactivity fee for standard brokerage accounts

Stocks, OTC securities, ETFs, options, IPOs, fractional shares, mutual funds, alternative/interval funds, private market funds/SPVs through Templum referral, and managed robo portfolios.

Stocks; fractional shares; ETFs; mutual funds; bonds/CDs/fixed income; money market funds; options; futures; futures options; forex; international stocks/ADRs/foreign ordinaries; cash products; annuities; alternatives; crypto ETPs/securities/futures.

Trading via the SoFi app or website; app available on iOS and Android.

Schwab.com; Schwab Mobile; thinkorswim desktop; thinkorswim web; thinkorswim mobile; paperMoney

Self-Directed includes Roth, Traditional, and SEP IRAs; Robo-Advisor includes Roth, Traditional, and SEP IRAs; Robo supports individual brokerage and retirement accounts.

Individual Brokerage; Joint Brokerage; Schwab One Brokerage; Investor Checking-linked brokerage; Futures Account; Global Account; IRAs; custodial, education, trust, estate, organization, and business retirement accounts; Schwab Intelligent Portfolios.

Supported money movement includes incoming ACATs, incoming wires, and ACH/cash transfer from SoFi Bank accounts for eligible IRA contributions; other deposit methods not fully enumerated publicly.

ACH/electronic transfer/MoneyLink; wire transfer; check/mail check; Schwab Mobile Deposit for checking; direct deposit for checking; account transfer/ACAT; branch/in-person deposit where available.

Outgoing ACAT, outgoing wire, and DRS transfers are listed with fees; ACH withdrawal processing/details were not fully disclosed in public fee sources.

Transfer to linked bank/checking; wire transfer; check; ATM/debit card for Schwab Bank Investor Checking; ACAT outbound account transfer.

Public official sources reviewed did not disclose standard withdrawal processing times for SoFi Invest.

Cash moved from brokerage to linked Investor Checking is generally available in seconds, but weekend/after-hours transfers may not be available until the next business day; other withdrawal methods vary/not fully disclosed on checked pages.