MoneyLion’s Debit Card Tracker App


A survey from CareerBuilder discovered that 78 percent of Americans live paycheck to paycheck. That includes almost 1 in 10 workers who make more than $100,000 a year.

If you’re one of the many struggling to make ends meet, it has more to do with how you spend your money than much you make. A debit card tracker app allows you to review your spending categories to see where you’re overspending. This will help you stop living paycheck to paycheck, build a savings account, and invest in your financial future. 

Getting Started with the Financial Heartbeat

Find out how to start using the Financial Heartbeat to start making wise financial decisions. 

Download the MoneyLion App

Begin taking charge of your financial future by joining the 6 million-plus users on MoneyLion. You can find the MoneyLion app on the AppStore or Google Play. You can also have MoneyLion text you the link, so you can download the app easily. 

Link Your Bank Account

To use MoneyLion’s debit card tracker app, you just need to link your external bank accounts and any other financial accounts. This will give MoneyLion secure access to your spending data, allowing it to track the categories and give you a clearer financial picture.

If you want to use your current banking account, you can link it to the MoneyLion app in two minutes with Plaid. Plaid instantly authenticates and connects accounts from almost any bank in the United States. 

You also have the option of opening up a RoarMoney account with MoneyLion. With zero hidden fees, no minimum balance requirements, and the option to get paid up to two days early when you connect direct deposit, this is a great way to strengthen your financial profile.  

See Your Spend Score

Once you connect your bank account, you can access the Financial Heartbeat tool and see your Spend Score. Just open the MoneyLion app and swipe to the right. When you get to the end, you’ll see a heart icon. This is your Financial Heartbeat, and it’s much like your favorite health app. While your fitness tracker lets you know if you’re on track with your health goals, the Financial Heartbeat pushes you to reach your financial goals.  

You can gain insight into your financial wellbeing by looking at your Spend Score. MoneyLion uses an algorithm to determine how smart you’re spending your money and then assigns you a score of 1–10. Ten is a perfect score, and you can obtain it with the right financial strategy.  

When your Spend Score provides fast insight, you can dig deeper by looking at your spending categories. Click “Largest” to organize your spending. Then, the Financial Heartbeat tool will display the most expensive items purchased over the last 30 days. 

After you review your Spend Score and your spending categories, you can find offers in the Financial Heartbeat tool. These offers might include refunds on bank fees or opening a RoarMoney account. The recommendations are personalized to your financial situation, so be sure to check them out! 

Start Saving More

The Financial Heartbeat tracks your saving habits to see if you’re building a nest egg. You can add your savings account to let the Financial Heartbeat track it or open a fully managed investment account with MoneyLion. With zero asset-based management fees, personalized portfolios, and auto investments, this tool makes it easy to build a safety net. As your investment grows, your Financial Heartbeat will take notice, and your score will improve.  

Strive to Stay on Top of Your Finances 

The debit card tracker app is built to help you succeed with your finances. Daily logins will keep you on top of your financial profile and you’ll also earn fun badges along the way. Logging in will also increase your Financial Heartbeat score!

Shield Yourself and Your Finances 

Did you know that insurance also plays a role in securing your financial future? The Financial Heartbeat tool includes a “Shield” icon. The tool reviews your insurance coverage and needs. If you lack coverage, you can find insurance deals in the app. These deals range from auto to life insurance and can help you increase your Financial Heartbeat score. 

Build Up Your Credit Score

You’ll also notice a “Score” icon inside the Financial Heartbeat tool. This feature monitors your credit score and overall credit health, and the information impacts your Financial Heartbeat score. 

Improving your credit score is a crucial component of improving your overall financial health. If your score needs a boost, you can get a Credit Builder Plus membership from MoneyLion. You can build your credit using a Credit Builder Loan of up to $1,000. 

MoneyLion reports to all three credit bureaus, so as long as you make your payments, your score will increase. Many people enjoy a credit score boost of 60 points in just 60 days. 

Take Charge of Your Finances with the Debit Card Tracker App

MoneyLion’s debit card tracker app allows you to strengthen your financial profile. Download the MoneyLion app, link your bank account, or open a RoarMoney account. 

Review your Spend Score and even get weekly spending updates sent to your email. Get the debit card tracker app that makes your money roar!

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