Home / Best fintech sign-up bonuses

Best fintech sign-up bonuses

App-first money companies only: SoFi, Chime, Varo, Percapita, Wealthfront and brokerages. Ranked by net dollars per day.

Not financial advice. Some links may earn us a commission. Rankings are math-only and never paid. Every offer links its source and shows when we last checked it.

9 offers · sorted by net $/day · checked Oct 26, 2026

SoFi

SoFi Checking and Savings · Fintech

Verified at issuer

$400

$50 or $400 (tiered by direct deposit total)

$11.43net / day

Ends in 66 daysPaid in ≤35 daysSome effort

$5,000+ in eligible direct deposits within 25 calendar days of your first eligible direct deposit ($1,000-$4,999.99 pays $50).
New and existing SoFi members who have never set up direct deposit with SoFi.

Get this bonus

Goes to the official offer page

Fine print & the math

Only payroll/pension/government ACH counts; Zelle, PayPal, Venmo, bank ACH transfers, wires and tax refunds do not. Bonus paid within 7 business days. May be reported on 1099-MISC. SoFi can end the promo any time.

Expires: Dec 31, 2026. SoFi must receive your first eligible direct deposit on or before 12/31/26. Promotion window 5/15/2026-12/31/2026.

Cash parked $0 · Opportunity cost vs 4.00% savings $0 · Net $400

Source page · last verified Oct 26, 2026

Chime

Chime Checking ($350 Intro Offer, invitation only) · Fintech

Unverified

$350

Up to $350 ($200 deposit bonus + up to $150 card cash back)

$3.37net / day

Ends in 97 daysPaid in ≤104 daysHeavy lift

One qualifying direct deposit of $500+ within 34 days of opening; activate physical card within 14 days of it.
Invitation required (Chime app, text, push, email or ad) and you must enroll on that offer page. First-time Chime customers only. Full $150 cash back needs ~$500/month of eligible card spend for 90 days (10% back, $50/month cap).

Get this bonus

Source listing: not yet verified with issuer

Fine print & the math

Rent, bill payments, gift cards, money transfers and ATM withdrawals don't earn the cash back. Credits of $10+ reported on 1099-INT. Chime is a fintech, not a bank (accounts at The Bancorp Bank, N.A. or Stride Bank, N.A.).

Expires: Jan 31, 2027. Per the cited terms, valid 3/25/2026-1/31/2027.

Cash parked $0 · Opportunity cost vs 4.00% savings $0 · Net $350

Also see: chime.com/350-intro-offer/ blocked our fetcher (Cloudflare) on 2026-10-26; NerdWallet's Oct 2026 roundup also lists 'Chime: up to $350'.

Source page · last verified Oct 26, 2026

Chime

Chime Checking (friend referral) · Fintech

Verified at issuer

$100

$100 to the new member

$1.69net / day

No end date publishedPaid in ≤59 daysSome effort

Single qualifying direct deposit of $200+ within 45 days of opening.
Must open through an existing member's referral link and activate the physical card within 14 days of the qualifying deposit.

Get this bonus

Goes to the official offer page

Fine print & the math

Referrers can earn for up to 10 referrals per calendar year. Payout timing is not stated on the help page; our day count uses the 14-day card-activation window as the lag.

Expires: No end date. Standard program, no end date published.

Cash parked $0 · Opportunity cost vs 4.00% savings $0 · Net $100

Source page · last verified Oct 26, 2026

Public

Brokerage/IRA transfer from Webull · Fintech

Unverified

$3,000

3% of assets transferred from Webull (shown here at a $100k example; cap $30,000), paid monthly over 72 months

$1.37net / day

Ends todayPaid in ≤2190 daysEasy

No direct deposit.
Transfer from Webull only. Paid in 72 monthly installments; leave early and keep what's been paid. Capital shown as $0 parked: transferred assets stay invested, so we don't charge cash opportunity cost (market risk is not modeled).

Get this bonus

Source listing: not yet verified with issuer

Fine print & the math

Investments can lose value. Bonusfolio notes Public's own disclosure page didn't render for them either. UNVERIFIED.

Expires: Oct 26, 2026. Offer window Oct 7-26, 2026 (Bonusfolio, Big Bank Bonuses).

Cash parked $0 · Opportunity cost vs 4.00% savings $0 · Net $3,000

Also see: https://bigbankbonuses.com/article/robinhood-sofi-public-3-percent-webull-transfer-bonus

Source page · last verified Oct 26, 2026

Percapita

Percapita Cash Account + Visa Debit · Fintech

Verified at issuer

$300

Up to $300 ($25 cash back per month for 12 months)

$0.82net / day

No end date publishedPaid in ≤365 daysEasy

No direct deposit required.
Spend $300/month on the Percapita Visa Debit Card to get $25 back that month, every month for a year.

Get this bonus

Goes to the official offer page

Fine print & the math

Homepage says 'Terms apply; see full details and promotional disclosure' — we have not read that disclosure yet. Percapita is not a bank; deposits held at Sutton Bank, Member FDIC (pass-through insurance).

Expires: No end date. No end date on the homepage. Doctor of Credit (10/26/2026) reports a participant cap of 7,000 people.

Cash parked $0 · Opportunity cost vs 4.00% savings $0 · Net $300

Also see: https://www.doctorofcredit.com/best-bank-account-bonuses/

Source page · last verified Oct 26, 2026

SoFi

SoFi Checking and Savings (friend referral) · Fintech

Verified at issuer

$25

$25 to the new member (+$25 more if they subscribe to SoFi Plus at $10/mo)

$0.71net / day

Ends in 9 daysPaid in ≤35 daysEasy

No direct deposit needed: deposits totaling $50+ within 25 days (ACH, direct deposit, debit-card funding, cash, mobile check or wire; P2P and FedNow don't count).
Must be your first SoFi product, opened via a friend's referral link. Can't combine with SoFi's '$20 Open Offer'.

Get this bonus

Goes to the official offer page

Fine print & the math

Bonus within 7 business days of qualifying (no later than 74 days). The extra $25 requires a paid $10/month SoFi Plus subscription, so we don't count it. Whether it stacks with the $400 direct-deposit bonus isn't stated on this page.

Expires: Nov 4, 2026. Promotion period 10/1/2026-11/4/2026 11:59pm ET.

Cash parked $50 · Opportunity cost vs 4.00% savings $0.19 · Net $24.81

Source page · last verified Oct 26, 2026

Wealthfront

Cash Account (new-client APY boost) · Fintech

Verified at issuer

$40.63

+0.65% APY for 3 months on up to $150,000 (≈$40.63 extra on a $25,000 example balance)

$0.13net / day

No end date publishedPaid in ≤92 daysEasy

No direct deposit needed for the new-client boost.
New clients who fund a Cash Account. $25,000 is our example balance; boost applies to balances up to $150,000.

Get this bonus

Goes to the official offer page

Fine print & the math

Base APY 3.55% as of 10/01/2026, paid by program banks; reverts to base after 3 months. Wealthfront is not a bank (FDIC via program banks, up to $8M).

Expires: No end date. No end date published.

Cash parked $25,000 · Opportunity cost vs 4.00% savings $28.36 · Net $12.27 · Bonus as APY 0.64%

Source page · last verified Oct 26, 2026

Moomoo

Moomoo Cash Account (brokerage) · Fintech

Unverified

$1,000

Up to $1,000, paid in NVDA fractional shares

−$5.40net / day

Ends in 5 daysPaid in ≤180 daysEasy

No direct deposit.
Top tier: $100,000 deposit held 180 days (lower tiers with lower holds exist). ACH/wire only, no ACATS.

Get this bonus

Source listing: not yet verified with issuer

Fine print & the math

Brokerage, not FDIC-insured bank deposits (SIPC applies). Bonus is stock you can sell. Bonusfolio mentions a stackable sweep APY promo we haven't verified, so our math assumes 0% on the cash. UNVERIFIED on moomoo.com (help page didn't render).

Expires: Oct 31, 2026. Bonusfolio: first deposit must settle by 10/31/26.

Cash parked $100,000 · Opportunity cost vs 4.00% savings $1,973 · Net −$973 · Bonus as APY 2.03%

Also see: https://bonusfolio.com/guides/bonuses-ending-soon/

Source page · last verified Oct 26, 2026

Varo Bank

Varo Bank Account (friend referral) · Fintech

Verified at issuer

Varies

Varies — amount shown in the Varo app/email

—net / day

No end date publishedPaid in ≤87 daysSome effort

Qualifying direct deposits of $500-$1,000 (amount depends on your offer) within 45 days.
Never a Varo customer before; must open via an existing customer's referral link.

Get this bonus

Goes to the official offer page

Fine print & the math

Bonus paid within 30 business days of the qualifying deposit. Reported on 1099-MISC. Referrer bonuses limited to first 5 friends per year.

Expires: No end date. Runs until Varo terminates it (terms effective 8/12/2026).

Cash parked $0 · Opportunity cost vs 4.00% savings $0 · Net —

Source page · last verified Oct 26, 2026

Best fintech sign-up bonuses

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