MoneyLion Spend
Earn real cashback, get paid up to 2 days early1, and move your money when and where you want to.
Powered by Pathward®, N.A., Member FDIC.
Powered by Pathward®, N.A., Member FDIC.
Key features
Make money easyGet paid up to 2 days early¹ and access up to $1,000 of interest-free Instacash with direct deposits.
Real cashbackEarn up to $500 in cashback on 5 qualifying purchases of $10+ with Shake 'N' Bank rewards every month.
Easy investingStart investing with your spare change using Round Ups.
Make money work for you
Get paid up to 2 days early.1
Access up to $1,000 of your paycheck with interest-free Instacash®.2
Start investing with your spare change using Round Ups.3
Real сashback.
No BS.
Earn up to $500 cashback on 5 qualifying purchases of $10 or more each month.
Access cashback deals and earn rewards when you shop at your favorite stores online.
MoneyLion One members earn 1% cash back on all eligible MoneyLion debit purchases — no categories to choose or keep track.4
Your cash.
Your rules.
Deposit funds automatically into your account using a custom schedule.
Add funds to your MoneyLion Spend account through a network of 90K+ retailers nationwide.5
Settle up: Send and receive money without fees using MoneyLion Pay.7
Peace of Mind
Always Safe. Always Secure.
Funds are FDIC-insured up to $250,000.
Debit cards are backed by the benefits and reliability of Mastercard including Price Protection, Zero Liability, Extended Warranty.8
Lock your card instantly in the app anytime.
Zero Minimums. Zero Hidden Fees. No Catch.
No ATM fees at 55,000+ Allpoint® locations.6
No minimum balance fees.
MoneyLion One members get refunds on foreign transaction fees on their MoneyLion Spend card while abroad.11
Track & Manage
Track your spending with weekly reports to view your spending habits by category.
Discover new money hacks, content, and personalized insights to level up your finances.9
How it works
- Create your account
Create your account and choose your money goals to personalize your experience. It takes just a few minutes. - Easily add funds to your account
Easily add funds to your account via 4 different methods: cash, debit card, direct deposit, or external transfer. - Activate your virtual card
Activate your virtual card in the app to start using it right away. - Make it yours
Make it yours. Choose your favorite color for your physical card and have it shipped to you.
Learn more about Banking
You've got questions. We have answers.
It’s easy and takes just a few minutes! Download the free MoneyLion app from the Apple or Google Play store and register for a MoneyLion account with a few pieces of personal information, including your name and your email address. Once you have created an account, we will need to confirm your identity. To do this, we securely and quickly gather additional information from you, including your Social Security number, address, and date of birth.
Once we have verified your identity, you can tap the MoneyLion Spend banner in the app or select the MoneyLion Spend product from our listing of products to set up your MoneyLion Spend account in just a few steps! To start making the most of your account, you should link an external bank account and transfer funds or set up direct deposit. Note that you must be 18 years or older and a resident of the fifty (50) United States or the District of Columbia to be eligible for MoneyLion Spend.
Once we have verified your identity, you can tap the MoneyLion Spend banner in the app or select the MoneyLion Spend product from our listing of products to set up your MoneyLion Spend account in just a few steps! To start making the most of your account, you should link an external bank account and transfer funds or set up direct deposit. Note that you must be 18 years or older and a resident of the fifty (50) United States or the District of Columbia to be eligible for MoneyLion Spend.
MoneyLion Spend will not charge you hidden bank fees associated with your account! Any fees will be disclosed to you. You have access to 55,000 free Allpoint ATMs, but if you use an ATM that is outside of the Allpoint network, you will incur an ATM fee of $3 + whatever the out-of-network ATM / financial institution charges (typically $2-$5). These fees apply to both domestic and international ATMs.
If you choose to expedite your physical replacement card, this will incur a $25 fee. This will allow you to receive your card within 2-3 business days.
If you choose to expedite your physical replacement card, this will incur a $25 fee. This will allow you to receive your card within 2-3 business days.
First, you don’t need to wait for your card to arrive in the mail to start using your new MoneyLion Spend account. As soon as you sign up, you can activate your MoneyLion Spend virtual card and set a PIN in the MoneyLion app or by calling our automated activation line at 1-801-736-2453 and use it to shop online, by phone and everywhere that accepts mobile pay after adding funds into your MoneyLion Spend account. You find your virtual card in the Accounts tab of your MoneyLion app.
To receive a physical card, you must first add funds or set up a direct deposit to your MoneyLion Spend account in the MoneyLion app. After funding your account, you can order your physical card in the app. Once ordered, we’ll mail you a MoneyLion Debit Mastercard®, which typically arrives within 7-10 business days. You should expect your debit card to reach you by the end of the 10th business day.
If you haven't received your card after 11 business days, please double-check that your address on file is correct using the MoneyLion mobile app (you’ll find your address in the Main Menu by tapping your profile picture). If you need to update your address, click Edit next to the address.
If you have not yet added funds to your MoneyLion Spend account, you can learn more about how to add money to your account here.
To receive a physical card, you must first add funds or set up a direct deposit to your MoneyLion Spend account in the MoneyLion app. After funding your account, you can order your physical card in the app. Once ordered, we’ll mail you a MoneyLion Debit Mastercard®, which typically arrives within 7-10 business days. You should expect your debit card to reach you by the end of the 10th business day.
If you haven't received your card after 11 business days, please double-check that your address on file is correct using the MoneyLion mobile app (you’ll find your address in the Main Menu by tapping your profile picture). If you need to update your address, click Edit next to the address.
If you have not yet added funds to your MoneyLion Spend account, you can learn more about how to add money to your account here.
No, we don’t check your credit history when you apply for a MoneyLion Spend account, and applying will not affect your credit score.
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