Get 3.30% APY with No Account Fees
Samsung Money by SoFi helps you save, spend, and build your money—all in one secure place with no account fees. Available on Samsung Pay.
As of 12/23/2025 SMBS members can earn up to 3.30% annual percentage yield (APY) on all balances. There is no minimum deposit amount required to qualify for the 3.30% annual percentage yield (APY) on balances. The interest rates above are variable rates established by SoFi Securities, LLC and may be changed at any time by SoFi Securities, in its sole discretion without advance notice to you. Changes to interest rates may change the corresponding APY(s) described above, and will be posted on this SMBS Rate Sheet, to your Account, and will be visible on the SMBS home page. Fees may reduce earnings.
No account fees. No in-network ATM fees.
When we say "no" we mean no. No overdraft fees. No convenience fees. No account management fees. And no ATM fees at 55,000 ATMs worldwide.*
Exclusive Samsung.com discounts
Enjoy up to 30% off sitewide on your favorite Samsung products such as smartphones, TVs, refrigerators, and more. Just when you thought these benefits couldn’t get any better – if the item you want is already marked down, enjoy up to an additional 30% off the discounted price.
Peace of mind
With defense-grade Knox security, real-time transaction history, and FDIC protection once your money arrives at our partner bank, you can do more with your money without having to worry.**
The best of both worlds,
at your fingertips.
One card.
Two ways to pay.
Sign up to receive a digital card in Samsung Pay and a physical card in the mail. Use your card wherever you are worldwide with Samsung Pay.
Ready to earn 47x the national average Annual Percentage Yield (APY)?
If you have questions, visit our FAQs here.
47x is based on the national average of 0.07% from the monthly rate cap as of 12/15/25
47x is based on the national average of 0.07% from the monthly rate cap as of 12/15/25
You're one scan away from doing more with your money.
Use your camera app to scan the QR code with your eligible Samsung mobile device to instantly access Samsung Money by SoFi.
Having trouble scanning on your mobile device? You can also access Samsung Money by SoFi here: https://www.samsung.com/us/money
Rewards for every
kind of user
Whether you have a galaxy in your pocket or a kitchen full of Bespoke appliances, earn more Samsung Rewards with Silver, Gold and Platinum levels.
Samsung gives you more ways to pay
Shop Samsung.com with a range of flexible payment options to suit your budget.
*SoFi has partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third party fees incurred when using out-of-network ATMs are not subject to reimbursement. SoFi’s ATM policies are subject to change at our discretion at any time.
**The cash balance in Samsung Money by SoFi cash management accounts is swept to SoFi Bank, N.A. where it earns a variable rate of interest and is eligible for FDIC insurance. FDIC Insurance does not immediately apply. Coverage begins when funds arrive at SoFi Bank, N.A. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Customers are responsible for monitoring their total assets at SoFi Bank, N.A. to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. The deposits in Samsung Money by SoFi or at SoFi Bank, N.A. are not covered by SIPC.
Benefits are subject to terms, conditions and limitations, including limitations on the amount of coverage. Coverage is provided by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only.
The Samsung Money by SoFi World Debit Mastercard is issued by SoFi Bank, N.A. pursuant to license by Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International.
Samsung Money by SoFi® is a cash management account, a brokerage product, offered by SoFi Securities LLC. SoFi Securities LLC is an affiliate of SoFi Bank, N.A.
Sign up for Samsung Money by SoFi. Only available from Samsung Pay App. If you have questions about getting started, you can learn more here.
