What’s a payment handle?

A payment handle is a unique ID (like [email protected]) that lets you send money to someone outside the U.S. It works like an email address for international transfers and is linked to a bank account. This is also known as a Universal Money Address (UMA).  
 

If you’re sending money internationally, we’ll automatically create a payment handle for you the first time you use the feature and link it to your checking account. Right now, you can use your payment handle to send money abroad, but you can’t receive money with it at this time. If you ever need your payment handle, just tap the [little head/profile icon] in the top right of the Recents screen.

Your recipient also needs a payment handle to receive money. If they don’t already have one, you can invite them to set it up. It’s quick, free, and only takes a minute. Once they’re set up, enter their payment handle to send the payment. For more details, read How do I send money to someone outside the U.S.?

Global remittance services are available to SoFi members through SoFi Checking and Savings. SoFi Checking and Savings is offered by SoFi Bank, N.A., Member FDIC. Transfers are subject to the terms of the SoFi Bank Deposit Account Agreement in effect at the time of payment. Fees, exchange rates, and estimated delivery times will be presented prior to payment confirmation. Service availability may vary by country or recipient.