To send money to a friend, you just need their email address or mobile phone number. If they are already a SoFi Money member, the payment will post to their account as soon as you complete the transaction.
If the recipient is not a SoFi Money member, they will receive an email with a link that will prompt them to provide their bank information (routing and account number) to claim the money. After submitting their bank information, the recipient will get the money in their account 2-3 business days later.