SoFi Transfer Limits Overview
- P2P Transfer Limits SoFi’s peer-to-peer transfers are limited to $1,000 per day and $3,000 per month.
- ACH Transfer Capabilities ACH transfers can be up to $50,000 per day, with established users potentially reaching $100,000 per day, depending on account history and activity.
- No International Wire Support International wire transfers aren’t generally supported by SoFi—only in specific situations like home purchases.
- Flexible Limit Adjustments You can view your exact limits within the app or mobile banking and reach out via in-app chat to discuss potential increases.
- Unlimited Savings Transfers SoFi lifted Regulation D limitations, allowing unlimited transfers from savings accounts.
DogPay: A Flexible, Modern Alternative
For users requiring cross-border payments, multi-currency flexibility, or seamless digital spending, DogPay offers a modern alternative:
- No fixed ammo limits: freedom to transfer and convert across currencies;
- Virtual card support: works with Apple Pay and Google Pay for global use;
- 180+ country coverage: no need for a local bank account;
- Transparent, low fees: near mid-market rates with minimal costs;
- Completely online setup: no branches, no paperwork, fully self-service.
Feature Comparison
| Feature / Capability | SoFi (Traditional Banking) | DogPay (Modern Digital Platform) |
|---|---|---|
| P2P Transfer Limits | $1,000/day, $3,000/month | No fixed limit—flexible spending |
| ACH Transfer Limits | $50K–$100K/day depending on account | Unlimited—multi-currency and flexible |
| International Payments Ability | Not supported | Fully supported globally |
| Convenience & Access | App-based with possible approval delays | Instant, totally online and seamless |
| Ideal For | Occasional domestic users | Digital nomads, expats, global users |
