How do I send money to someone in the U.S.?

You can send money to friends right from the SoFi app. Here’s how:

1. Go to Banking > Pay > Pay a friend (U.S. or abroad)
2. Select a recipient from your recent contacts, or add a new one
3. When asked where they’re located, choose In the U.S.
4. Enter their email address or phone number
5. Enter the amount you want to send, add a note if you want, and review the details
6. Slide to submit the payment 
    

If the person you’re paying has SoFi Checking and Savings accounts, they’ll get the money instantly.
 

If they’re not a SoFi member, they’ll get an email or text with instructions to claim the money. They’ll have a five days to accept it. If they don’t, the payment will be canceled and the money will go back to your checking account.
 

You can cancel unclaimed payments to non-members, but payments to other SoFi members are sent instantly and can’t be canceled.