How to Get an Instant Virtual Debit Card Online

By Lindsey Ryan

Did you recently close your bank account and need a debit card to make purchases? Or maybe you’re tired of paying the excessive fees that accompany prepaid debit cards or just looking for the best mobile bank account?

Consider the RoarMoney mobile banking account from MoneyLion to get a virtual debit card right away. You will also receive a physical MoneyLion Debit Mastercard in the mail shortly after signing up for RoarMoney. 

How to Get an Instant Debit Card

An instant debit card is an actual debit card with a 16-digit card number, security code, expiration, and PIN number. This means you can use it for purchases online and by phone, to pay bills, and anywhere tap and pay payments are accepted. 

Want to get started? Follow along to get your digital debit card instantly. 

Download the MoneyLion app

The free MoneyLion app is available in the App Store and the Google Play store. 

Sign Up for RoarMoney

Your digital debit card will be ready within minutes of signing up for a RoarMoney account. You can use it to pay securely without touching a thing. Because, ew, germs.

Enjoy Additional Benefits Right Away

Your RoarMoney account not only gives you access to an instant debit card and banking account, it also offers some hefty perks as well. 

  • Get paid up to 2 days early with direct deposit.
  • Say goodbye to hidden fees. Your RoarMoney account eliminates some of those pesky fees charged at traditional banks like stop payment fees, minimum balance fees, and more. 
  • Price Protection – If you find a lower price within 90 days of purchase, Price Protection helps you get the best price on eligible products purchased with a qualified card by refunding the difference up to $250 per claim, 4 times per year.
  • Shake N’ Bank Rewards, a cool rewards system that allows you to earn back up to the full purchase price (max cashback $120) each time you spend $10.00 or more on your MoneyLion Debit Mastercard. Or you can earn points every time you shop online with your favorite retailers by activating deals in the Rewards tab of the app.
  • Track your spending and receive weekly reports to stay on budget. 
  • Feel safe with robust security features and Zero Liability protection against unauthorized purchases

Growing Your Money

Over 800,000 individuals from varying financial backgrounds have opened investment accounts with us. Our easy to use investment account is fully managed and is a great addition to your RoarMoney account, as it can be a smarter way to build your money for the future compared to a traditional savings account. 

You do not need any investing experience to get started, and 93% of our managed investment account holders are first-time investors. 

Whether you earn cashback rewards through Shake N’ Bank rewards or by shopping with our partners, the funds will be deposited into a MoneyLion Investment Account. 

Want to see your investment funds grow faster? Set up Auto Invest and schedule automatic withdraws to your account. 

Read more on how to add an investment account to your MoneyLion portfolio. 

Building Your Credit

Want to explore another MoneyLion product that helps you build your credit? For $19.99, you can step up to a Credit Builder Plus membership!

With a Plus membership, you will gain access to a Credit Builder Loan up to $1000, credit tracking, exclusive rewards, 0% APR Instacash advances, and more. With our Credit Builder Loan, more than half of members have improved their credit by an average of 60 points within 60 days of opening an account. 

Want to know how? 

Your loan will be deposited into your account immediately (some of the funds will be saved for you in a reserve account earning interest until you pay off your loan — the healthier your finances are, the more money you’ll get right away; but there’s no credit check.) 

Your monthly payments will be deducted automatically, and we will report your timely payments to all 3 major credit bureaus. This is where you can see up to a 60 point credit increase in as little as 60 days. 

Learn more about Credit Builder Plus.

Get Your Debit Card Today

Apply in just minutes and have your debit card ready to use right from the MoneyLion app.

Can I use my virtual debit card at an ATM?

Many of Allpoint’s 55,000 surcharge-free ATMs feature the contactless payment symbol. Get cash from your account easily by opening your phone’s digital wallet and choosing your RoarMoney virtual debit card.


How long does it take to get a virtual debit card?

You can have your digital debit card in under 5 minutes!

Download the MoneyLion app
– Sign up for a RoarMoney checking account
– Activate your virtual debit card
– Use your card instantly!
– Shop online, pay bills and even add to your phone’s digital wallet

Do virtual debit cards have rewards programs?

Yes! With RoarMoney you can get all the same rewards with your virtual card as you would with your physical debit card. Get cashback rewards, price protection, Shake N’ Bank rewards, and more the same day you sign up.

Can I have a virtual debit and physical debit card on the same account?

Yes. When you sign up for a RoarMoney account you will have your virtual debit card instantly and your physical card will arrive in 10 or less business days. Both cards have their own 16-digit card number but are linked to the same account.

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Get paid up to 2 days early

Open a RoarMoney account to bank with no minimums, no hidden fees, no BS! And you'll love the perks like a contactless debit card, cashback, and fraud protection.