Are there any fees or minimums to use a vault? May 18, 2020 22:59 Updated Follow No, vaults have zero fees and no minimums. It’s all part of our goal to make SoFi Money the easiest way to spend and save. Related articles How do I move money to and from a vault? What is spending reserve? What are SoFi Money vaults? Can I spend directly from a vault? How many vaults can I have?