SoFi ACH Transfer Limits: Your Complete 2025 Guide to Maximum Daily & Monthly Transfers

In this guide, we'll break down everything you need to know about SoFi's ACH transfer limits - including how daily, monthly, and per-transaction caps work, how they compare to competitors, and what options you have if your payment needs exceed SoFi's thresholds. We'll also cover a scalable alternative for high-value transactions: Nickel, a B2B payment platform designed for large invoice-based payments, with free ACH transfers up to $1 million per transaction. If you're tired of running into bank-imposed ceilings or paying wire fees, this article will show you how to keep big payments moving fast and fee-free.

SoFi's Current ACH Transfer Limits

SoFi's maximum daily limit on ACH transfers into or out of accounts is $50,000, though some sources indicate limits can reach up to $100,000 in or out of your account per day for established customers. The variation depends on account activity, tenure, and transaction patterns—factors that SoFi uses to manage risk while keeping transfers flowing smoothly.

The daily limit covers both incoming and outgoing transfers, so if you receive a $30,000 customer payment and need to send a $40,000 supplier payment on the same day, you could hit your threshold. Unlike some banks that separate incoming and outgoing limits, SoFi combines them into one daily cap.

SoFi doesn't publicly disclose specific monthly limits, instead resetting limits daily. This approach works well for businesses with consistent daily payment needs but can create bottlenecks for companies that need to process large weekly or monthly transactions.

The National Automated Clearing House Association raised the limit for same-day incoming and outcoming consumer and business transfer to $1 million in March 2022, but individual banks set their own lower limits for customers. SoFi's potential $100,000 daily limit puts them ahead of many traditional banks, especially considering they don't charge ACH fees.

The key difference is that SoFi doesn't clearly differentiate between personal and business account limits, whereas traditional banks often offer higher limits for verified business customers with established relationships.

How SoFi Compares to Other Banks

Limits may vary based on account type and customer relationship

The National Automated Clearing House Association raised the limit for same-day incoming and outcoming consumer and business transfer to $1 million in March 2022, but individual banks set their own lower limits for customers. SoFi's potential $100,000 daily limit puts them ahead of many traditional banks, especially considering they don't charge ACH fees.

The key difference is that SoFi doesn't clearly differentiate between personal and business account limits, whereas traditional banks often offer higher limits for verified business customers with established relationships.

Daily ACH Transfer Limits Explained

SoFi has a number of security measures in place to prevent fraud, so it depends on the type of transaction, size of the transaction, and how long your account has been open. These measures mean that newer accounts or unusual activity patterns might face lower limits initially.

For businesses, the daily limit structure affects cash flow planning significantly. You can potentially move $50,000-$100,000 every single day without hitting a monthly ceiling, but you need to coordinate incoming customer payments with outgoing supplier payments to stay within the threshold.

The combined daily limit means strategic timing becomes crucial. If you're expecting a large customer payment and need to make supplier payments the same day, you'll want to ensure the total doesn't exceed your account's specific limit.

Monthly Transfer Patterns

SoFi peer to peer limits reset daily and monthly, but ACH limits are reset daily without disclosed monthly restrictions. This daily reset structure works differently than banks that impose both daily and monthly caps.

This approach benefits businesses with consistent daily payment needs but may not suit companies that process larger payments less frequently. A business that needs to send a $200,000 payment once monthly might find SoFi's daily limits require splitting that payment across multiple days.

Same-Day ACH Processing at SoFi

For same-day transfers, transfers must usually be submitted by 4:45 PM ET. Some banks may set earlier deadlines, such as 12:30 ET. SoFi supports same-day ACH transfers with three processing windows throughout the day:

• First window: 10:30 AM ET
• Second window: 2:45 PM ET
• Final window: 4:45 PM ET

The same-day service becomes crucial when you're trying to meet supplier payment deadlines or need to process payroll quickly. Missing the final cutoff means your transfer waits until the next business day, which can create cash flow issues for time-sensitive payments.

Same-day ACH transfers are subject to the same daily limits, so a $75,000 same-day payment would exceed most SoFi customers' daily capacity and require splitting across multiple days or exploring alternative payment methods.

Processing Times and Fees

SoFi does not charge for deposits or withdrawals through the ACH network. SoFi Invest and SoFi Bank complete ACH transfers in 1–3 business days. This fee-free structure makes SoFi competitive with other digital banks, especially when compared to traditional banks that charge $3-$10 per ACH transfer.

ACH transfers usually take up to two business days to happen, although it's possible that it can take a longer or shorter time. Timing depends on when you initiate the transfer and whether it's a business day. Friday afternoon transfers may not process until Monday, while transfers initiated early on weekdays typically arrive the next business day.

The lack of ACH fees is significant for businesses processing multiple payments monthly. A company making 20 ACH transfers per month could save $200-$600 annually compared to banks that charge per transaction.

Business Transfer Considerations

For businesses that regularly process large invoice-based payments, SoFi's limits might create operational bottlenecks. A $75,000 supplier invoice exceeds most daily limits, requiring payment splitting or alternative solutions.

SoFi has security measures in place based on typical usage patterns for adding or withdrawing money, peer transfers, bill payments, size of purchases, and the number of purchases per day. These measures mean unusual activity patterns might trigger additional review, potentially delaying urgent business payments.

Business owners frequently encounter scenarios where standard banking limits create friction. Large equipment purchases, substantial supplier invoices, or significant contractor payments often exceed daily ACH limits, forcing businesses to plan payment timing carefully or seek higher-limit alternatives.

Understanding Deposit Limits

SoFi's maximum daily limit on ACH transfers into or out of the account is $50,000, which means both incoming deposits and outgoing transfers share the same daily threshold. This combined approach differs from banks that treat incoming and outgoing transfers separately.

If you're expecting a large customer deposit, plan ahead to ensure you have remaining daily limit capacity for any outgoing payments you need to make. For example, receiving a $45,000 customer payment leaves only $5,000 remaining capacity for outgoing transfers that day.

This shared limit structure requires careful cash flow coordination, especially for businesses that both receive large customer payments and make substantial supplier payments on the same day.

Increasing Your SoFi Limits

SoFi doesn't disclose details of any ways to increase your transfer limit, but you can contact their support team through secure chat or phone at (855) 456-7634 to discuss your specific needs. Account age, average balance, and transaction history likely influence any limit adjustments.

The approval process for higher limits isn't transparent, making it difficult for businesses to plan around potential increases. Some customers report higher limits after maintaining accounts for several months with consistent activity, but SoFi doesn't guarantee specific limit increases.

For businesses that consistently need higher transfer capacity, this uncertainty can be problematic when planning large payments or managing cash flow around supplier payment deadlines.

International Transfer Limitations

You can't make international wire transfers with SoFi. In fact SoFi only allows even domestic wire payments by exception if you're buying a home. This limitation significantly restricts SoFi's usefulness for businesses with overseas suppliers or international payment needs.

The lack of international capabilities means businesses requiring global payment options need separate banking relationships or third-party services, adding complexity to financial operations.

When SoFi's Limits Aren't Enough

Many businesses need payment solutions that can handle larger transaction volumes without daily limits creating bottlenecks. Nickel offers unlimited free ACH transfers with single transaction limits up to $1 million, specifically designed for businesses that process large invoice-based payments.

Unlike traditional banks that charge 1% or more on ACH transfers, free ACH payment alternatives can save businesses thousands annually while providing the transaction capacity needed for efficient operations. For businesses regularly hitting banking limits, specialized B2B payment platforms designed for higher volumes make financial sense.

Companies processing $100,000+ monthly in supplier payments could save $12,000 annually in fees while gaining access to much higher transaction limits through platforms built specifically for B2B payment processing.

The Bottom Line

SoFi offers competitive ACH transfer limits with no fees, making it suitable for many small businesses and individual users. The potential $100,000 daily limit exceeds many traditional banks, and the fee-free structure provides genuine cost savings for regular ACH users.

However, businesses processing large invoice-based payments may find the limits restrictive, and the lack of international capabilities limits global business utility. The uncertainty around limit increases and business-specific features makes SoFi better suited for simpler payment needs rather than complex business operations.

For companies that consistently need higher transfer capacity or want guaranteed fee-free processing on large transactions, exploring specialized B2B payment solutions designed for business payment volumes makes sense.

Ready to eliminate transfer limits and fees? Get started with unlimited free ACH transfers →