Rakuten + SoFi + Wise Combo Referral Code & Link

About This Referral Combo

This is a triple referral combo tutorial specifically designed for US students, US citizens, or non-US residents with ITIN. This process can be completed on both mobile and desktop devices, offering a low-barrier, high-reward combination through referral codes.

Who This Is For

• US citizens and green card holders
• US students (with SSN)
• Non-US residents with ITIN (digital nomads, cloud residents, etc.)
• Those who don't currently have a SoFi account

Your Benefits

This referral program can earn you up to $730 total, including:

• Rakuten new user bonus: $30
• Rakuten SoFi cashback: up to $375 (varies, please monitor Rakuten offers)
• SoFi friend referral bonus: $25
• SoFi official signup bonus: $300

Rewards Received Update

• Rakuten: $405 total confirmed ($375 SoFi cashback + $30 welcome bonus). Confirmed and waiting for payout.
• SoFi: $25 referral bonus already received. $300 DD bonus received and credited to account.

Get Started

Step 1: Sign Up for Rakuten

Register for Rakuten using the referral link: https://www.rakuten.com/r/MRFECH?eeid=28187

Step 2: Sign Up for Wise

Register for Wise using the invite code link: https://wise.com/invite/ihpc/lih121

Step 3: Open SoFi Account

1. Prepare your browser: Open Chrome/Safari/Edge or any mainstream browser
2. Prepare two tabs:
   • Tab 1: SoFi referral link page: https://www.sofi.com/invite/money?gcp=9d856685-68f5-484b-9bfe-224dde5f006d&isAliasGcp=false, click "Claim Bonus" and keep this tab open! for stacking referral code benefits
   • Tab 2: Visit Rakuten SoFi cashback page: https://www.rakuten.com/shop/sofibanking
   • Click "Shop Now" to enter SoFi signup page
   • Complete SoFi account opening
     • Fill out information normally after being redirected to SoFi page
     • No need to activate physical card, no need to deposit money upfront
     • Simply access your account dashboard

Step 4: Direct Deposit (Critical Step)

This is the core step to earn all rewards:

Recommended Strategy: One-time DD of $5000+

To simplify the process, we recommend making your first DD $5000+, which satisfies all conditions:

• Meets Rakuten requirement: ≥ $500
• Meets SoFi signup bonus: cumulative $5000
• Meets referral bonus: ≥ $50

Key Timeline

Recommended DD Methods

1. Wise Transfer (Recommended)
   • Fast and low-cost
   • Supports multiple currencies
   • Simple and reliable
   • Remember to note "Payroll"
2. Employer Payroll DD (if available)
   • Best fits DD definition
   • Choose this if you have regular salary

Important Terms

Operation Tips

• Screenshot everything: Save screenshots of every key step, including:
  • Redirect pages
  • Account opening confirmation
  • Transfer records
  • Reward notifications
• Device requirements:
  • Works on both mobile and desktop
  • Use mainstream browsers (Chrome/Safari/Edge)
  • Operate in different tabs of the same browser
  • Don't clear cookies
• Time management:
  • Record account opening date
  • Set reminders to complete DD within deadlines
  • Recommend completing first DD immediately after opening account

Long-term Account Value

SoFi Banking Benefits

• No monthly fees: Permanently free of monthly fees
• Global ATM fee reimbursement: Free withdrawals at any ATM
• Excellent app experience: Clean interface, comprehensive features
• High-yield savings: Usually higher than traditional banks
• Investment features: Integrated stock and ETF investing

Rakuten Long-term Benefits

• Shopping cashback: Earn cashback on daily online purchases
• Quarterly promotions: Regular high cashback events
• Cumulative earnings: Continuous cashback with long-term use

Wise Long-term Value

• Multi-currency account: Support for 40+ currencies with real exchange rates
• Low-cost international transfers: Save up to 8x compared to traditional banks
• Global withdrawals: Free debit card, worldwide ATM access
• Convenient management: Real-time rates, transparent fees, simple mobile operation
• Business features: Support for international payments, suitable for cross-border business

Verification & Trust

Official Program Verification:

• Program authenticity - Verified through official referral terms of each platform
• Company credibility - All three companies are established financial institutions
• Regulatory compliance - SoFi is FDIC-insured, Wise is regulated by FCA, Rakuten is publicly traded
• Customer support - 24/7 support available through respective platforms
• Last verified - Information confirmed as of January 2025

FAQ

Q: I'm an F1 student without employment. Can I still do this? A: Yes! You can complete DD using third-party transfers like Wise with the referral code.

Q: Do I need to activate the SoFi physical card? A: No, you can use online banking directly after opening the account. No need to activate the physical card.

Q: Is there any risk to my funds? A: SoFi is a legitimate FDIC-insured bank, so your funds are protected. Plus, there are no monthly fees, making it suitable for long-term holding.

Q: Do I have to use mobile for this process? A: No, both mobile and desktop work. Choose whichever device is more convenient for you.

Q: When will the referral rewards be credited? A: Usually within 2-8 weeks after meeting the requirements, with specific timing varying by reward type.

Q: Can ITIN users participate? A: Yes, SoFi accepts ITIN for account opening, which is why this referral code process works for digital nomads.

Q: Do I need to use specific invite codes? A: Yes, you must use the provided invite code links to ensure proper tracking and reward eligibility.