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As long as your employer has configured Instapay as an employee benefit, it's free to get instant advances. Otherwise, you may have to wait longer or pay a fee to get an instant advance. While you must work for an eligible employer to use it, ONE@Work lets you access up to 50% of your earned income so you don't have to wait until payday.

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If you direct deposit from $1,000 to $4,999 within 25 days of opening your account, you will receive a $50 sign-up bonus with an instant withdraw facility. Above that, you’ll get a $250 joining bonus. You can now also get $10 worth of Bitcoin when you load at least $10 in your crypto wallet on SoFi.

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