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Buy BTCBitcoin$77,881-0.31%.svg)
Buy ETHEthereum$2,446-0.56%.svg)
Buy USDTTether$1.00-0.00%.svg)
Buy USDCUSD Coin$1.0000+0.00%.svg)
Buy SOLSolana$105.13+0.34%.svg)
Buy XRPXRP$1.39-0.67%.svg)
Buy LTCLitecoin$49.11+1.42%.svg)
Buy DOGEDogecoin$0.0852-0.42%.svg)
Buy TRXTRON$0.3381-0.48%.svg)
Buy ADACardano$0.2011-1.22%.svg)
Buy AVAXAvalanche$7.33+0.43%.svg)
Buy DOTPolkadot$0.8408-1.46%.svg)
Buy LINKChainlink$11.39-1.14%.svg)
Buy BCHBitcoin Cash$244.84-1.57%.svg)
Buy XLMStellar$0.1791+0.21%.svg)
Buy SHIBShiba Inu$0.000005-0.70%.svg)
Buy TONToncoin$1.36-0.54%.svg)
Buy SUISui$0.7462-0.27%
Bank crypto guide
Buy Crypto with a SoFi Card, Wire or ACH
SoFi is the bank that left crypto and came back: it wound down in-app trading in December 2023 under its new bank charter, then announced the 2025 return of crypto investing. In between, its members never stopped buying elsewhere — SoFi Mastercard debit works cleanly at licensed platforms. SoFi members use debit or Apple Pay at Anytime Capital for everyday orders and pick any delivery network we support.
Updated August 2026 · Reviewed by the Anytime Capital trading desk
Does SoFi allow crypto purchases?
Yes. SoFi debit cards, ACH transfers and wires all work for buying crypto at Anytime Capital, a licensed US money services business. SoFi credit cards are accepted here too. SoFi publishes no blanket block, but whether a given credit purchase authorizes is its call, so debit is the reliable route.
- Debit card
- SoFi debit cards work at Anytime Capital, subject only to a routine first-purchase fraud check.
- Credit card
- Accepted at Anytime Capital. No published block — varies by card product, so the authorization is SoFi's call.
- ACH transfer
- ACH from a SoFi account is accepted for buys, and used for payouts when you sell.
- Wire transfer
- Wires from SoFi are accepted for buys, and we wire back to the same account when you sell.
Comparing institutions? See every US bank's crypto policy in one table.
SoFi debit and credit cards are accepted at Anytime Capital for crypto.
Wire transfers from SoFi are accepted for crypto — and we send wires back to your SoFi account when you sell.
- SoFi debit cards — buy crypto in minutes
- SoFi credit cards — all major networks accepted here
- SoFi wire transfers — in for buys, out for sells
- ACH, Apple Pay, Google Pay and branch cash also accepted
- Wire transfer
- Cash in person
Credit cards are accepted here that other crypto platforms turn away.
At most crypto platforms the outcome is a coin flip: some of this issuer's products go through, others decline or land as a quasi-cash advance. Anytime Capital accepts all major credit cards — Visa, Mastercard, American Express and Discover — from every bank and credit union we cover.
The honest caveat: Acceptance is our decision as the merchant; authorization of any individual transaction is SoFi's, and your cardholder agreement controls. SoFi publishes no blanket external-crypto block; credit purchases are subject to standard quasi-cash rules (possible cash-advance coding). SoFi's own history matters more: it ended in-app crypto trading in December 2023 (accounts migrated to Blockchain.com) as it became a bank, then announced in 2025 it would bring crypto investing back.
About SoFi
- Founded
- 2011
- Headquarters
- San Francisco, California
- Size
- ~$36 billion in assets; over 10 million members
- Footprint
- Fully digital nationwide; a national bank charter since 2022
- ATM access
- ~55,000 fee-free ATMs via the Allpoint network
- Worth knowing
- SoFi Checking pays a competitive APY and offers early direct deposit up to two days ahead.
Cards issued: Mastercard debit · Mastercard credit
SoFi card policy for crypto purchases
Debit card
WorksSoFi Mastercard debit cards work for crypto purchases at licensed platforms, including Anytime Capital.
Credit card
Accepted at Anytime CapitalAll major credit cards are accepted at Anytime Capital — Visa, Mastercard, American Express and Discover — including your SoFi card. At most crypto platforms the outcome is a coin flip: some of this issuer's products go through, others decline or land as a quasi-cash advance. Acceptance is our decision; authorization of any single transaction remains SoFi's.
At Anytime Capital
SoFi credit and debit acceptedVisa, Mastercard, American Express and Discover, credit and debit alike, plus Apple Pay, Google Pay, ACH, wires and branch cash. No card network is turned away at the door.
At other crypto platforms
Hit or miss, varies by productSoFi publishes no blanket external-crypto block; credit purchases are subject to standard quasi-cash rules (possible cash-advance coding). SoFi's own history matters more: it ended in-app crypto trading in December 2023 (accounts migrated to Blockchain.com) as it became a bank, then announced in 2025 it would bring crypto investing back.
Worth knowing: SoFi Checking supports ACH to licensed platforms and offers early direct deposit; wires are supported with SoFi's online process.
Buying crypto with a SoFi wire transfer
Wire transfers from SoFi are accepted at Anytime Capital for crypto purchases.
SoFi supports outgoing domestic wires through its online process and does not charge for incoming wires, which makes it a clean funding account for larger crypto orders.
Wires are the standard rail once an order outgrows a daily card limit: there is no card ceiling, the funds arrive as cleared dollars, and our OTC desk quotes the price before you send. Send the wire from an account in your own name — third-party wires cannot be accepted — and the crypto goes out to your wallet on the network you choose once the funds land and compliance review completes.
Selling crypto and getting a wire to your SoFi account
Anytime Capital buys crypto back and sends the dollars to your SoFi account by wire transfer or ACH.
Selling runs the same process in reverse: lock a price with the desk, send the crypto from your wallet, and we pay out in US dollars to the SoFi account already verified on your profile. Wires are the fastest payout rail — same business day when the sale settles before the cutoff — and ACH is the free, slower alternative. Larger sells are handled by our OTC desk with a quoted price rather than a moving market rate.
You can sell BTC, ETH, LTC, SOL, XRP, USDT, USDC and 20+ other assets directly, or bring cash out in person at our Atlanta and Miami branches. Payout account names must match your verified identity — a rule that protects you as much as it satisfies our compliance obligations.
What you can buy with your SoFi account
Every asset below is available to SoFi customers by debit card, credit card, Apple Pay, Google Pay, ACH or wire transfer. Pick the coin, pick the delivery network, and it lands in a wallet you control.
Buy BTC — BitcoinBuy BTC / buy BitcoinBuy ETH — EthereumBuy ETH / buy EtherBuy USDT — TetherBuy USDT (TRC-20, ERC-20, SPL)Buy USDC — USD CoinBuy USDC stablecoinBuy SOL — SolanaBuy SOL / buy SolanaBuy XRP — XRPBuy XRP / buy RippleBuy LTC — LitecoinBuy LTC / buy LitecoinBuy DOGE — DogecoinBuy DOGE / buy DogecoinBuy TRX — TRONBuy TRX / buy TRONBuy ADA — CardanoBuy ADA / buy CardanoBuy AVAX — AvalancheBuy AVAX / buy AvalancheBuy LINK — ChainlinkBuy LINK / buy ChainlinkPlus 38+ assets in total, including BNB, DOT, XLM, SHIB, TON, SUI, APT, NEAR, BCH, ETC, HBAR, ICP, ATOM, INJ, SEI, STX, POL, ARB, OP and KAS. See the full buy menu.
Every way a SoFi customer can pay
Debit card
Every major US bank's debit card. Fastest route for most buyers — minutes end to end.
Credit card
Visa, Mastercard, American Express and Discover accepted here, subject to your issuer's own policy.
Apple Pay & Google Pay
Tokenized checkout with the card already in your wallet — trips fewer bank fraud screens.
Wire transfer
Domestic wires in for larger buys, and wires out to your bank when you sell.
ACH bank transfer
Pull straight from checking — the low-cost lane for repeat buying.
Cash in person
Atlanta and Miami branches for cash buys and sells with a human across the counter.
Cash by mail
A structured, tracked option for clients without branch access.
How SoFi customers buy at Anytime Capital
- 1
Create your free Anytime Capital account and verify your identity — a routine, legally required step that takes minutes for most customers.
- 2
Choose your coin and the delivery network — BTC, ETH, LTC, SOL, XRP, USDT (TRC-20, ERC-20 or SPL), USDC and 38+ more — with pricing shown before you commit.
- 3
Pay with your card, the same card inside Apple Pay or Google Pay, an ACH transfer, or a wire for larger amounts. First-time card purchases may need a one-tap fraud approval from your bank.
- 4
Receive the crypto in the wallet address you chose, typically within minutes of the payment clearing. Your keys, your coins.
US-based and licensed
A registered money services business with real branches, not an offshore app.
Thousands of customers
Individuals and businesses buying and selling every day since 2018.
Your keys, your coins
Delivery to a free non-custodial wallet, or any address you already control.
Your SoFi card, wire and ACH all work here
Anytime Capital is the #1 place to buy crypto with a debit card, wire transfer, Apple Pay & more. SoFi customers buy BTC, ETH, LTC, SOL, XRP, USDT, USDC and 38+ other assets, with delivery to a wallet you control — and sell back for a wire to the same SoFi account.
- Wire transfer
- Cash in person
Digital assets are not FDIC-insured, are not bank deposits, and may lose value. Availability and limits subject to identity verification and compliance review.
SoFi crypto questions, answered
Can I buy crypto with my SoFi debit card?
Yes — SoFi Mastercard debit works at Anytime Capital and other licensed platforms as a standard purchase from SoFi Checking. Approve any first-order fraud prompt in the app and you're set.
Didn't SoFi remove crypto? What happened?
SoFi ended in-app crypto trading in December 2023 as part of becoming a chartered bank, migrating accounts to Blockchain.com — then announced in 2025 that crypto investing would return to the app. Either way, buying at outside platforms with your SoFi debit card was never affected.
Does SoFi block transfers to crypto platforms?
No — ACH links and card purchases at licensed crypto businesses work normally from SoFi Checking. As everywhere, a first-time purchase may trigger a confirm-it's-you prompt.
Should I use the SoFi credit card for crypto?
Default to debit: SoFi credit purchases at crypto merchants are subject to quasi-cash rules, which can mean cash-advance fees and no rewards. The debit card spends your balance with none of those mechanics.
What's the fastest crypto route for a SoFi member?
SoFi debit or Apple Pay at Anytime Capital — minutes end to end, crypto delivered to your own wallet on the network you choose. US-based, thousands of customers, human support.
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Important Disclosures
- Anytime Capital accepts SoFi debit cards and all major credit cards, plus ACH and wire transfers. Acceptance is ours; whether a specific card authorizes a given purchase is SoFi's decision, not ours. Issuer positions summarized here, including what the same card typically encounters at other platforms, are public or widely reported stances that can change.
- Credit-card crypto purchases may be treated as cash advances by some issuers — your cardholder agreement controls.
- Digital assets are not FDIC-insured, are not bank deposits, and may lose value.
- All purchases and sales are subject to identity verification and compliance review. See fees and limits for pricing.