How to Get an Instant Virtual Debit Card Online

virtual debit card

Getting a virtual debit card can help you manage your finances. Do you need to make a quick purchase but you don’t have a debit card? Tired of paying excessive fees and trying to find the best mobile banking account?

An instant virtual debit card makes buying easy all while helping to keep your funds safe.  

When you open a RoarMoneySM bank account, you can get a virtual debit card right away. No more waiting for a card in the mail to shop, and you will receive a physical MoneyLion Debit Mastercard afterwards.

How to get an instant online debit card

If using your physical debit card number online scares you, try a virtual debit card instead. Digital debit cards work just like physical debit cards; they have 16-digit card numbers, an expiration date, a security code, and a PIN number. You have all the information you need to pay bills and make purchases online.  

Interested in learning more? Find out how you can get your instant virtual debit card today by following these steps. 

Download the MoneyLion mobile app

Visit the App Store or Google Play to download the free MoneyLion mobile app.  MoneyLion will even text you the link to their app for convenience. 

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 which is an amazing feature because… Ew! Germs!

Enjoy additional benefits right away

Not only is opening a RoarMoney online bank account quick and easy, but you can also access perks that you won’t find at a traditional bank. With your RoarMoney account, you get to enjoy the following features:

Get paid faster.

When you set up direct deposits from your RoarMoney account, you can enjoy getting paid up to two days early.

Say goodbye to hidden fees.

Tired of paying fees to use your hard-earned cash? Your RoarMoney account gets rid of pesky fees that traditional banks love to charge, like minimum balance fees, stop payment fees, or replacement card charges.  

Participate in price protection.

Find a lower price? With the RoarMoney Price Protection program, you can get a refund of up to $250 if you find a better price somewhere else within 90 days of your purchase. Take advantage of this special program four times a year when you use a qualified card.   

Take part in the rewards program.

Like rewards? You can get back the full price of your purchase up to $120 with Shake N’ Bank Rewards. Use your MoneyLion Debit Mastercard or your RoarMoney virtual card for a chance to earn some extra cash each time you spend $10 or more. Tap on the notification and shake your phone to see what you’ve won. You can also participate by going to the rewards tab in the app.   

Learn about online deals.

Earn points when you purchase goods and services from participating merchants. Points are a great way to build up your savings. Redeem 2,500 points and you’ll see $25 deposited into your investment account.

Keep tabs on how much you spend with the Debit Card Tracker.

Use the Spend Tracker Report to keep an eye on what you spend. Our weekly reports help you stay on top of your budget and control your spending.  

Utilize the robust security features.

Stay safe when you bank with MoneyLion. Multi-factor authentication, contactless payment, and protection against unauthorized purchases keeps you secure while you shop.  

Use a Virtual Debit Card to grow your money

Want to begin investing in your future but you’re not sure where to start? Our fully-managed investment accounts make a great addition to your RoarMoney account. 

You do not need any investing experience to get started. Most of our managed investment account holders are first-time investors. By answering a couple of questions, you can customize your investment portfolio in ways that suit your lifestyle.  

You can deposit as much or as little into your investment account as you want. Watch your investment grow even faster when you deposit your cashback rewards

Do you have trouble remembering to invest in the first place? Set up Auto Invest and schedule automatic withdrawals to your account. 

Use a Virtual Debit card to strengthen your credit score

Could your credit score use a boost? A Credit Builder Plus membership may be just what you need!

For $19.99 per month, a Credit Builder Plus membership can help improve your credit score with exciting features such as:  

  • Credit Builder advance up to $1,000 
  • 0% APR InstacashSM advances 
  • Credit tracking 
  • Special rewards 

It’s easy to apply because no credit check is necessary. Over half of our Plus members report an average jump of 60 points in their credit score within 60 days of joining our Credit Builder program.  

How does a Credit Builder Loan work? You have access to a loan of up to $1,000 under this program. Your loan will be deposited into your account immediately, and some of the funds will be saved for you in a reserve account where they will earn interest until you pay off your loan. The healthier your finances are, the more money you’ll get right away

Making your monthly payment on time is critical to building up your credit score, so payments are automatically deducted from your account each month.  

Get your MoneyLion debit card today

As soon as you set up your RoarMoney bank account, you can get your MoneyLion digital debit card.  

Banking that gives you more

No matter how many bank accounts you need, you’ll be relieved to find an account that doesn’t charge excessive fees on debit cards. Link direct deposit to your RoarMoney bank account and get your paycheck two days early. 

No need to look for the best virtual credit card—add a virtual debit card to withdraw money without fees at participating AllPoint ATMs. RoarMoney comes with features you’ll enjoy and so much more!


Instacash is a 0% APR cash advance service provided by MoneyLion. Your available Instacash advance limit will be displayed to you in the MoneyLion mobile app and may change from time to time. Your limit will be based on your direct deposits, account transaction history, and other factors as determined by MoneyLion. This service has no mandatory fees. You may leave an optional tip and pay an optional Turbo Fee for expedited funds delivery. For a $40 Instacash advance with a Turbo Fee of $4.99, your repayment amount will be $44.99. Generally, your scheduled repayment date will be your next direct deposit date. An Instacash advance is a non-recourse product; you will not be eligible to request a new advance until your outstanding balance is paid. See Membership Agreement and for additional terms, conditions and eligibility requirements.

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?

With a RoarMoney virtual debit card bank account, you get the same perks as you would with a physical card. As soon as you activate your virtual debit card, you can take advantage of price protection, cash rewards, Shake N’ Bank awards, and more!

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

Yes. Even though your virtual debit card and physical debit card belonging to the same checking account, they have their own 16-digit card number. So, you can have a virtual debit card and a physical debit card for the same account.  

You can get your virtual debit card as soon as you open up a RoarMoney checking account. Your physical debit card will arrive in the mail about 10 days later.

Where can I find my virtual account number?

You can find your virtual debit card account number through the MoneyLion app. To find your virtual account number, open the app and do the following:
Select the “Finances” tab.
Choose your “RoarMoney” account. 
From the cards shown, select the virtual debit card. 
Tap on the card to show the virtual account number.

My account information was stolen. Can I replace my virtual debit card?

Yes. If your virtual debit card information has been stolen, you can quickly replace your card. Open the MoneyLion app and follow the instructions below:
Select “Finances.” 
Select “RoarMoney.” 
Choose “RoarMoney Cards” and select the virtual or physical debit card that you want to replace. 
Select “Replace Card.”

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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, early payday, cashback, and fraud protection.

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