Getting Started With Your RoarMoney Account

By Abby Landers

Welcome to your RoarMoneySM account! Here’s a quick rundown of your first 5 steps to make the most of everything you have access to. Read it all the way through so you don’t miss out on any of the amazing benefits included with your account and the MoneyLion app!  

Step 1: Activate your debit cards

Your RoarMoney account comes with TWO debit cards: You have a RoarMoney virtual card and a physical MoneyLion Debit Mastercard®. We recommend that you activate both!

RoarMoney virtual card

No need to wait for a card in the mail! You can activate your virtual card as soon as you open an account. Here’s how:

  • Step 1: Go to the Finances tab and tap on your RoarMoney account
  • Step 2: Tap on your light blue virtual card
  • Step 3: Call the number shown (1-801-736-2453) to activate and set a PIN 
  • Est. time: Two minutes

Your virtual card is a secure, touch-free way to pay online and by phone and in person with mobile pay. And if your info is ever compromised, you can generate a replacement virtual card right in the app. Here’s how:

  • Step 1: Go to the Finances tab
  • Step 2: Tap on your RoarMoney account
  • Step 3: Tap on your Virtual Card 
  • Step 4: Tap Replace card
  • Est. time: One minute

The process for replacing your physical card is the same — except in step 3, you tap on your physical card instead. Your new physical card will take up to 10 business days to arrive.

MoneyLion Debit Mastercard (“physical” card)

As soon as you add funds to your account, we’ll ship you a contactless MoneyLion Debit Mastercard in the mail. When it arrives, be sure to activate it so you can use it!

  • Step 1: Remove your card from the mailer. 
  • Step 2: Call the number shown (1-801-736-2453) to activate and set a PIN. 
  • Est. time: Two minutes

Your card is a Tap & Go® card, which means you can just wave it over the card reader anywhere you see the contactless symbol. It’s a safe, clean way to check out. 

You can also use your debit card to make no-fee withdrawals at any of 55,000 Allpoint ATMs.1 You can use the app to find one near you. They are often inside stores like Dollar General, Walgreens, 7-Eleven, and CVS. Don’t forget, you can request cash back at any register for free when you check out with your card! 

Two different cards

Remember, your virtual card and MoneyLion Debit Mastercard have different card numbers. You can lock and unlock them independently, and you can replace one or both as you choose. 

Having two cards for one account is great, because if you ever need to replace your physical debit card, you can use your virtual card while you wait for your replacement card to arrive! 

Step 2: Put money in your account

Here are your options for putting money in your RoarMoney account:

Fund your account with 0% APR Instacash

Use InstacashSM to add money to your account super fast and pay for everyday expenses interest free!  

  • Step 1: Tap “Instacash” on the Home screen.
  • Step 2: Tap “Request” 
  • Step 3: Select amount and tap “Get cash now”
  • Step 4: Review and tap “Confirm”
    (Also add a backup repayment method if required.)   
  • Step 5: Select your RoarMoney account and tap “Get my cash”
  • Est. time: Near real-time to 48 hours, based on funding method chosen

Set up direct deposits, get early paydays2

Set up direct deposit of your recurring paychecks or benefits checks (such as unemployment) into your RoarMoney account to receive your checks up to two days early2 and fund your account automatically. Plus, the higher your direct deposit, the more Instacash you’ll have access to!

Add direct deposit in the MoneyLion app here or by following these steps:

  • Step 1: Tap “More” in the Finances tab
  • Step 2: Tap the “RoarMoney” menu
  • Step 3: Tap “Add / Manage direct deposit”
  • Est. time: Up to 3 pay cycles

Or log into your payroll or benefits website, such as ADP, and set it up there. Here’s how:

  • Step 1:Tap “More” in the Finances tab
  • Step 2: Tap the “RoarMoney” menu
  • Step 3: Tap “Routing and account numbers” 
  • Step 4: Give the numbers to your employer/payer to update your direct deposit
  • Est. time: Up to 3 pay cycles

Add funds with a debit card

Link your external debit cards and transfer funds to your RoarMoney account in near real-time (fee applies).3 

  • Step 1: Tap “Transfer” on the home screen
  • Step 2: Select a linked debit card or tap “Add account” to link one
  • Step 3: Select “RoarMoney” as your To account
  • Step 4: Enter transfer amount and tap “Continue”
  • Step 5: Review details and tap “Transfer” 
  • Est. time: Near real-time

Add funds from your other accounts

You can also add money to RoarMoney from your other bank accounts anytime. Here’s how to make transfers:

Move money from a linked account

Securely link your other bank accounts to easily transfer funds into RoarMoney anytime. 

  • Step 1: Tap “Transfer” on the home screen
  • Step 2: Tap “Add account” 
  • Step 3: Select your other bank and enter your login info to link that account 
  • Step 4: Start a transfer by tapping your linked account or card
  • Est. time: Near real-time to 48 hours, depending on method chosen

Move money from another account or app

It’s easy to set up a manual transfer from any bank that supports transfers, including popular payments apps.

  • Step 1: Log into your other bank account or app and start a transfer
  • Step 2: Enter your RoarMoney number and bank routing number
  • Est. time: 3-5 business days

Add check funds using your phone

You can add check funds to RoarMoney by using your mobile device’s camera and the Ingo app.4 

  • Step 1: Tap MORE in the Finances tab
  • Step 2: Tap the ROARMONEY menu
  • Step 4: Follow the steps on screen
  • Est. time: Near real-time to 10 days, depending on chosen transfer method

Add money to your account5

Adding money is easy at any of the 90,000 retail locations — such as Walmart, 7-Eleven, and Dollar General — that offer Reload@theRegisterTM from Green Dot®.6 Find one here.

  • Step 1: Hand your money to the cashier and swipe your MoneyLion Debit Mastercard.
  • Step 2: See your money in your account!
  • Est. time: 10 minutes

Step 3: Add your cards to your mobile wallet

Apple Pay and Google Pay are a great option for spending touch free (aka germ free) on the go. Go here for how to add your cards to your wallet and make RoarMoney your default mobile payment method. If you ever reach the register and find that you’ve forgotten your wallet, you’ll be saved by having Apple Pay or Google Pay on your phone!

Of course, your MoneyLion Debit Mastercard is also contactless, so you can just wave your card over the contactless card reader as well.  

Step 4: Link external accounts and cards

Next up, securely and quickly link your external accounts to your Wallet in the app. 

  • Step 1: Tap “Link an account” on the Finances tab.
  • Step 2: Select your other bank and enter your login info for that account, 
  • Est. time: Two minutes 

When you link your accounts, we can offer you more personalized financial advice in the Financial Heartbeat and in your mobile cards (those things you swipe through on your way to the Financial Heartbeat). Having linked accounts also makes it possible to make transfers and payments as needed, as well as to receive funds to your desired account when you borrow. 

Step 5: Get to know your benefits

Your MoneyLion Debit Mastercard gives you access to some powerful perks, including Price Protection.7 If you find a lower price within 90 days of an eligible purchase, you can get a refund for the difference up to $250 per claim, 4 times per year. Learn more, including how to submit a refund claim, here.

You can explore all your included Mastercard services in the Guide to Mastercard benefits, including sophisticated identity theft protection with dark web monitoring, Zero Liability protection against unauthorized purchases,8 Extended Warranty Coverage, and much more.

Bonus Step: Earn Rewards 

You can use your RoarMoney account to earn rewards that can be redeemed for credits into your MoneyLion Investment account. It’s our way of helping you save for tomorrow while we help you spend smart today.

There are two ways to earn. First, With every card purchase of at least $10, you’ll earn a Shake ‘N’ Bank reward. The amount is a surprise each time and can be as high as the full purchase amount (with a max reward of $120.). 

Second, we also offer Online Deals that let you earn cashback rewards by using your card at popular online retailers. You can find those offers in the app’s Rewards tab. 

With both, the rewards you earn will be added to your MoneyLion Investment account, where you can leave it to grow or withdraw it. Over 800,000 people have opened investment accounts with us — over 90% of them first-time investors. Learn more about our easy, managed approach to helping you invest with as little as $5 here.

Get Started

Start with Step 1 and cruise on through 5, and you’ll be getting more from every dollar and feeling more secure in your finances in no time.

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