SoFi routing number

SoFi is a digital bank that received its national banking charter in 2022. Unlike traditional banks with physical branches in multiple states, SoFi operates as a single national bank. This structure allows them to use one routing number (031101334) for all customers nationwide, simplifying the banking experience regardless of where you live.

No, SoFi Bank does not currently support international wire transfers. The routing number 031101334 only works for domestic U.S. transactions. If you need to send money internationally, you'll need to use a third-party service like Wise, Western Union, or another international transfer provider.

SoFi uses the same routing number (031101334) for both ACH transfers and domestic wire transfers. This makes it easy to remember - whether you're setting up direct deposit, sending an ACH payment, or initiating a wire transfer, you'll always use 031101334.

Most outgoing wire transfers submitted before 3:30 PM ET on business days are processed the same day, though they can take up to one business day. SoFi receives inbound wire requests from 7:30 AM EST to 5:00 PM EST on all business days except federal holidays. Once received, incoming wires are typically available immediately.

SoFi charges a $30 transaction fee for each outgoing domestic wire transfer. However, SoFi does not charge any fees for incoming wire transfers, though the sending bank may charge their own fees. ACH transfers and peer-to-peer payments through SoFi are free, making them a good alternative if wire transfer speed isn't critical.