How old do I have to be to open a money account or be a joint account holder? September 10, 2020 23:01 Thanks for your interest in SoFi Money! You must be 18 years or older to open any SoFi Money account with us whether joint or individual. For more information on SoFi Money Eligibility go here. Related articles Who can open a SoFi Money cash management account? Can I combine two SoFi Money accounts into one joint account? Does SoFi offer Custodial account options? What personal information is needed to open a SoFi Money cash management account? Would my direct deposit funds be available the same day as my pay date, or is there a delay?