SoFi Smart Card review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
The SoFi Smart Card is a debit card issued by a US bank rather than a standalone crypto card, which suits people who want crypto spending alongside a bank account. A monthly fee of $0 keeps the running cost at the low end of the market.
Pros and cons
Pros
- A debit card from SoFi Bank, National Association, with FDIC cert 26881 and an Office of the Comptroller of the Currency licence in the US.
- crypto features on a bank card, aimed at readers who want one product rather than a wallet and an exchange account.
- Operating since 2011 from the US, the provider is an established bank rather than a new entrant.
Cons
- The bank is based in the US and its licences come from US regulators, so it does not serve readers outside the US.
- It is positioned for a business audience, so personal users are not the main target.
Who it suits
- Readers in the US who want a bank card with crypto features.
- Business users, since the recorded audience is business.
- Anyone who prefers a debit card run by SoFi Bank, National Association to a crypto-only provider.
Who should look elsewhere
- Wise, which also charges a £0 monthly fee, for readers who want the same cost quoted in another currency.
- Monzo Flex, at a £0 monthly fee, for anyone who wants the card outside the US.
How SoFi Smart Card compares
9.0 vs 9.4
9.0 vs 9.0
9.0 vs 8.2
9.0 vs 9.5
9.0 vs 9.6
9.0 vs 9.0
9.0 vs 9.1A €0 monthly fee, with the fee quoted in euro for readers holding euro balances.
9.0 vs 8.9
9.0 vs 8.1
9.0 vs 8.2
9.0 vs 9.5
9.0 vs 9.4
9.0 vs 9.2
9.0 vs 9.1
9.0 vs 9.0
9.0 vs 8.9- 9.0 vs 8.8
9.0 vs 8.8
9.0 vs 8.6
9.0 vs 8.5
9.0 vs 8.3
Where SoFi Smart Card is available
- Available
- United States
- Licence in United States
- Office of the Comptroller of the Currency (OCC), checked September 26, 2026
- Licence in United States
- FDIC (FDIC cert 26881), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much is the SoFi Smart Card monthly fee?+
The monthly fee is $0. Monzo Flex lists £0 and Wise lists £0, and the median across cards on the site is €0, so cost alone will not separate these cards.
How does the card score on cost?+
The cost score is 6 on the site scale, with an overall score of 6. A $0 monthly fee does most of that work, while the crypto feature set is the main thing readers give up.
Is it a debit card or a credit card?+
It is a debit card issued by SoFi Bank, National Association, so spending uses the money in the account rather than a credit line. Debit is also the most common card type on the site, at 73.4%.
Who regulates the bank behind the card?+
The card comes from SoFi Bank, National Association, a US national bank, and the licences on record are the FDIC (FDIC cert 26881) and the Office of the Comptroller of the Currency. Money in the account is held by that bank rather than an offshore issuer.
Can I open it outside the US?+
The provider is based in the US and both regulators on record are US bodies, the FDIC and the Office of the Comptroller of the Currency. That points to a US product, so readers elsewhere should weigh cards licensed where they live.
Who is the card aimed at?+
The recorded audience is business, so the card is built around business users rather than general consumers. The debit format with crypto features suits a card carried for company spending day to day.
What crypto features does it include?+
The recorded feature is crypto, so spending is the focus rather than trading tools. Nothing on self-custody or staking is named, and the debit card works with a bank account rather than a standalone exchange.
How does it rank on monthly fee?+
It sits at position 1 on the monthly fee ranking, among 379 cards compared. The card is at the free end of the range, so cost is a strength rather than a reason to shop elsewhere.
Sources
- banks.data.fdic.gov/bankfind-suite/bankfind/details/26881 checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“CERT=26881; NAME=SoFi Bank, National Association; WEBADDR=www.sofi.com; ACTIVE=1”
- en.wikipedia.org/wiki/SoFi checked September 26, 2026
Backs: Audience, Card type, Features, Founded, Monthly fee
“In April 2026, SoFi announced the debut of its Big Business Banking tool”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Related by the facts
SoFi Smart Card
A US bank debit card with crypto spending and a $0 monthly fee.