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How to Create a Sofi Bank Account Without a Phone Number?



how to create a sofi bank account without a phone number

If you want to open an account with Sofi Bank, it requires your personal phone number for 2-factor authentication. What should you do if you don’t have a phone number? 

Thankfully, there are some methods to sign up for Sofi without providing your private phone number.

In this blog, we will show you 3 alternatives to create Sofi bank accounts without a phone number. 

Once you have a Sofi Bank account, you can enjoy benefits like high-profit savings accounts, unlimited ATM withdrawals, or access to SoFi investments. This is a great way to embrace enhanced digital banking experience at competitive interest rates.

Without further delay, let’s get straight to the point! 

What is a Sofi Bank?

Sofi Bank is an FDIC-insured, nationally chartered bank that offers SoFi Checking and Savings. Opening a savings or checking account likely requires an initial deposit. Customers who sign up will also receive career advice and financial planning services.  

The bank has no monthly maintenance or withdrawal fees and offers better remote customer service options. It also offers cryptocurrency trading and a credit card. Similarly, bank deposits of up to $250,000 are insured by the Federal Deposit Insurance Corporation (FDIC).

Additionally, Sofi Bank offers personal, mortgage, private student loan refinancing, and investment accounts. Despite Sofi Bank’s global reach, it has offices only in the United States, Hong Kong, China, Singapore, Japan, and Australia. 

The benefits of using a Sofi Bank App are as follows.

  • Reliable SoFi Invest: Sofi Bank’s app has a special feature, robo-advisor, that offers investment options in stocks, ETFs, and bonds.
  • Easy to Use: The SoFi app is easy to use, and customers can pay bills, find ATMs, send money, make mobile deposits, and more.
  • Higher Security: Besides 24/7 customer support, the SoFi Bank app offers fraud protection for safeguarding your personal information.
  • Real-time account balance check: With real-time account balances, you always know your account balance with the Sofi Bank app.
  • Money transfer: You can easily transfer money between your SoFi Bank accounts or to other bank accounts and pay your bills directly from the app.
  • Alerts: With Sofi Bank’s app, you can set up alerts to alert you when a certain event occurs, such as a low balance or a payment due date.
  • Loan application: The app allows you to apply for a loan directly.

Can you Make a Sofi Bank Account without a Phone Number?

Yes, Sofi Bank allows you to make an account without a phone number by using a virtual phone number, temporary phone number, or a friend’s or family member’s number.

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Why do Some People Hesitate to Register in Sofi Bank with their personal number?

  • Privacy Concerns

Providing your personal number to a financial institution is similar to providing sensitive information to hackers. Most users hesitate to share their phone numbers, fearing their information being misused or their personal details getting leaked. 

  • Limited Access to a Mobile Phone Number or Network Coverage

Some people are hesitant to open a Sofi bank account with their phone number as not everyone has access to a smartphone. This could prevent them from receiving bank messages or verifying their identity.

  • Legal or Regulatory Constraints (country restrictions)

Depending on the sanctions, data privacy and protection laws, anti-money laundering laws, and country restrictions, Sofi bank accounts may be restricted from international payments. The legal constraint makes users reluctant to create an account with a personal number.

  • Verification Challenges from Overseas

People feel hesitant to open Sofi bank accounts with their personal numbers because of challenges such as system compatibility, identity verification, and communication barriers associated with sharing private numbers.

  • SMS Delivery Issues

SMS delivery issues can make users hesitant to register Sofi Bank accounts using a private phone number. Due to its number formatting, network restrictions, international regulations, and carrier filtering issues,  you may lose or delay SMS messages.

How to Get a Virtual Phone Number for Sofi Bank Verification?

The following steps will help you obtain a cloud-based virtual telephone number so you can verify your Sofi Bank account:

  1. Create an account with KrispCall.
  2. Sign up for the account and log in to the Dashboard.
  3. Select your preferred country’s virtual phone number.
  4. Choose payment options and make payments.
  5. Submit documents if required.

Get a Virtual Phone Number for Sofi Bank Verification.

Verify your sofi bank account from anywhere with virtual phone number

Select numbers :

How to Make a New Sofi Bank Account With a Virtual Number?

The best way to make a new Sofi Bank account without a phone number is to use a virtual number. You can create a Sofi bank account by getting a cloud-based virtual phone number and following the steps below.

  1. Goto Sofi Bank’s official website.
  2. Now click the signup button, leading to the creation dashboard. 
  3. Enter a legal first name, last name, password, email, and name of the state.
  4. Choose between Individual or Joint accounts.
  5. Choose your permanent address and select the box if you’d like your debit card delivered there.
  6. Next, you must provide information on your name, date of birth, social security number, and source of funds.
  7. Select the 2-Factor Authentication link in the Account Settings section.  Click the Two-Factor Authentication button.
  8. Enter your virtual phone number and click the Send text button.
  9. Enter the verification code sent to your phone number and click the Verify Code button.
  10. Upload a government-issued ID and a selfie to verify your identity.
sofi signup page
enter your permanent address page
enter your date of birth in sofi account
enter your social security number in sofi
enter your annual income in sofi
enter your source of funds page in sofi
choose two factor method in sofi
enter virtual phone number in sofi
sofi verification code in virtual number
enter sofi verification code


  • The product is available worldwide
  • Features cost-effectiveness and other communication capabilities
  • No one will be able to track your mobile number


  • An internet connection that is stable is required to use this application.

Alternative Ways to Create a Sofi Bank Account Without a Phone Number

1. Use Friends/Family Numbers 

You can also use a friend or family member’s phone number to create a Sofi bank account. It is a simple and effortless method. If a trusted person can lend you a phone number, you can get a verification code for registering a Sofi Bank Account.


  • Foreign assistance is not required
  • Accessible at almost any time
  • One of the easiest ways, as compared to the others


  • Recovery is not easy if the number is lost.
  • Finding someone who can give you a number whom you can trust is difficult.\
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2. Use Email Address 

If you don’t want to use a phone number to set up your Sofi Bank Account, you can use your Google account. Sofi Bank Account lets its users automatically set up an account and access all its features using an email address without worries.

Follow these steps to register for a Sofi Bank Account using a Google account.

  1. You can log in to your Sofi Bank Account using the official website.
  2. Once you have chosen your preferred existing Google account details, your account will be created in a few minutes.
  3. You have been sent the activation code by email.
  4. Your Sofi Bank Account is now ready to go.


  • Registration is free and requires no virtual phone number or the number of a friend.
  • Your Sofi Bank Account can be secured with Google’s two-factor authentication.
  • In case of account loss, you can quickly restore access using your Google credentials.


  • You will receive spam, promotional messages, and ads regarding the Sofi Bank Account in your Google Mail account.
  • A Google account’s email address and password, as well as other information, may be accessible to unauthorized people.


To sum up, we examined different methods to bypass Sofi Bank account verification without your personal phone number. Alternative ways involve using a virtual number, a temporary number, or a friend’s and family member’s number.  Also, we discussed the pros and cons of each option.

If you are wondering what could be the best method for setting up a Sofi Bank account, we suggest you use a virtual number.  In this way, you are not exposed to any risk. Purchase virtual phone numbers from KrispCall at a reasonable price and use them to sign up for Sofi Bank.


How to access Sofi Bank without a phone number or email?

If you do not have a phone number or email address, you can open a Sofi Bank Account with your Google account, purchase a cloud-based virtual number, or use a friend or family member’s number. 

How long does it take to create a Sofi Bank account using alternative methods?

It takes between five and ten minutes to create a Sofi Bank account using alternative methods, depending on other factors such as your internet connection speed and how familiar you are with the process.

Will I receive all the necessary notifications and updates without a phone number?

No, you won’t receive all the necessary notifications and updates without a phone number. Push notifications will be sent to the device you use to access your SoFi account as long as you have a phone number. However, some notifications can be received via email by SoFi Bank. 

Can I trust the alternative contact methods for Sofi Bank account verification?

Yes, you can trust the alternative contact methods to verify your Sofi bank account. To verify the validity of your account and maintain your privacy, Sofi Bank uses personal information, financial statements, and utility bills.

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Dinesh Silwal

Dinesh Silwal is the Co-Founder and Co-CEO of KrispCall. For the past few years, he has been advancing and innovating in the cloud telephony industry, using AI to enhance and improve telephony solutions, and driving KrispCall to the forefront of the field.

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