Are there any fees or minimums to use a vault? May 18, 2020 22:59 Updated 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? Can I spend directly from a vault? What are SoFi Money vaults? How many vaults can I have?