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SoFi Invest vs Robinhood: fees and fine print
Full transfer-out: SoFi Invest $100 vs Robinhood $0, per each broker's official pages (checked Oct 30, 2026).
Last updated · 9 official sources (listed below)
The costs that don't show up in "$0 commissions": leaving, reverse splits, tender offers, and what idle cash earns. Every cell links to the broker's own page.
Where they differ
- Full ACATS transfer-out fee: SoFi Invest $100 vs Robinhood $0
- Partial transfer-out fee: SoFi Invest $100 vs Robinhood $0
- Fractional shares after a reverse split: SoFi Invest Not published vs Robinhood Keeps fractions (usually)
- Voluntary reorg / odd-lot tender fee: SoFi Invest $50 vs Robinhood $0
- Rate on uninvested cash: SoFi Invest Not published vs Robinhood 3.6% APY (Gold)
| Fact | SoFi Invest | Robinhood |
|---|---|---|
| Full ACATS transfer-out fee | $100 source · Oct 30, 2026 | $0 Fee schedule lists one outgoing ACATS fee; no full/partial split. source · Oct 30, 2026 |
| Partial transfer-out fee | $100 source · Oct 30, 2026 | $0 Same single line as full transfers. source · Oct 30, 2026 |
| Reverse split / mandatory reorg fee | Not published | Not published |
| Fractional shares after a reverse split | Not published | Keeps fractions (usually) Round-ups are paid when received from the issuer. source · Oct 30, 2026 |
| Voluntary reorg / odd-lot tender fee | $50 Plus $100 per security for voluntary corporate action deposit/withdrawal. source · Oct 30, 2026 | $0 Help center: 'We also accept orders to participate in voluntary corporate actions like tender offers'. source · Oct 30, 2026 |
| DRIP (auto dividend reinvestment) | Yes source · Oct 30, 2026 | Yes source · Oct 30, 2026 |
| Fractional share trading | Yes source · Oct 30, 2026 | Yes source · Oct 30, 2026 |
| Rate on uninvested cash | Not published | 3.6% APY (Gold) Requires Robinhood Gold subscription and opting in to High-Yield Cash. Non-Gold rate not stated on this page. source · Oct 30, 2026 |
Full pages: SoFi Invest fees · Robinhood fees · SoFi Invest cash rate · Robinhood cash rate
Questions
Is it cheaper to leave SoFi Invest or Robinhood?
Full transfer-out: SoFi Invest $100, Robinhood $0 (official fee schedules).
Sources
- https://cdn.robinhood.com/assets/robinhood/legal/RHF%20Fee%20Schedule.pdf
- https://robinhood.com/us/en/gold/
- https://robinhood.com/us/en/support/articles/dividend-reinvestment/
- https://robinhood.com/us/en/support/articles/fractional-shares/
- https://robinhood.com/us/en/support/articles/mergers-stock-splits-and-more/
- https://support.sofi.com/hc/en-us/articles/360053593412-How-does-dividend-reinvestment-at-SoFi-work
- https://support.sofi.com/hc/en-us/articles/4408306213773-How-do-I-transfer-assets-out-of-my-SoFi-Invest-account-as-an-ACAT
- https://www.sofi.com/invest/fractional-shares/
- https://www.sofi.com/wealth/assets/documents/sofi-invest-fee-schedule.pdf
Each source was read on or before Oct 30, 2026. Fees and rates change; confirm on the broker's site before acting.