Bank crypto guide
Buying Crypto with a SoFi Card
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 · Issuer policy as publicly documented; your cardholder agreement controls
SoFi's crypto card policy at a glance
Debit card
WorksSoFi Mastercard debit cards work for crypto purchases at licensed platforms, including Anytime Capital.
Credit card
Credit 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.
Cards issued: Mastercard debit · Mastercard credit
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 crypto and the delivery network (for example, USDT on TRON or Bitcoin on its own chain), with pricing shown before you commit.
- 3
Pay with your card — or the same card inside Apple Pay or Google Pay. First-time 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.
Your SoFi card works here — and so does everything else
Anytime Capital is the #1 place to buy crypto with a debit card, wire transfer, Apple Pay & more. US-based, thousands of customers, transparent pricing before you pay, and delivery to a wallet you control — with our free non-custodial wallet if you need one.
- 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.
Other banks people compare
Keep going
Important Disclosures
- SoFi authorization decisions belong to SoFi; policies summarized here are public positions that can change without notice.
- Credit-card crypto purchases may be treated as cash advances where processed — your cardholder agreement controls.
- Digital assets are not FDIC-insured, are not bank deposits, and may lose value.
- All purchases subject to identity verification and compliance review. See fees and limits for pricing.