What is the option to send money to someone in the U.S.?

You can send money to another person in the U.S. using their email address or phone number. To do this, you’ll need a SoFi Money account or a SoFi Checking account. You can’t send money to yourself or to someone on your joint account.
 

If the person you’re paying has a SoFi Checking and Savings account, they’ll get the money instantly. If they don’t, it’ll arrive in 2–3 business days after they accept the payment.

You can also send money internationally. To learn more, read What’s the option to send money to someone outside the U.S.?