Jan 28, 2025

8 Actually-Fun Ways to Maximize Your MoneyLion Experience — and Get Control of Your Finances

Written by Stephen Milioti
Blog Post Image

Taking charge of your finances can feel about as fun as a dental procedure …  unless you have a financial sidekick like MoneyLion. Whether you’re saving for something big, tackling debt, or just trying to get smarter with your cash, this simple checklist of tips will help you maximize your MoneyLion experience. Find out what the MoneyLion app has to offer — and pick up plenty of perks along the way!

Spending money isn’t always fun, but earning up to $500 cashback doing it? Now we’re talking. With Shake ‘N’ Bank, the first five qualifying purchases of $10 or more each month using your MoneyLion Debit Mastercard® or RoarMoney℠ virtual card gives you a chance to “shake” your phone and earn a cash reward. The amount? Up to 5x the qualifying purchase,  from $0.01 to $500.

Pro Tip: Upgrade to MoneyLion WOW and unlock unlimited monthly cashback shakes instead of five! Turn EVERY qualifying purchase into cashback and join members who earn an average of 37% more cashback.1

Setting aside  money shouldn’t feel like a chore. Enter our Round Ups feature, which rounds up every qualifying transaction you make to the nearest dollar and once you have accumulated at least $5, they will automatically be deposited  into your Managed Investment Account or your Crypto Account.

Where It Goes: You decide! Build up your crypto account, or your Managed Investing account, — all without changing your spending habits.

Ready to earn some money? Discover MoneyLion Games in our app. Each game you play can earn you cash rewards as you hit milestones — up to $50 per game! — and they’re free to play. 

Pro Tip: Play during limited-time events to earn up to double the cash rewards!

Think of MoneyLion’s Freebies section as your new happy place. From free food to shopping perks, it’s designed to keep your wallet happy while you savor life. 

How to Find It: Tap the dollar sign ($) in the app, then look for “Freebies” at the top.

Life happens — unexpected bills, big purchases, you name it. MoneyLion makes it easy to explore personal loan offers ranging from $500 to $50,000. You’ll see offers from trusted lenders within minutes, so you can find an option that works for you.

What’s Next: Use the funds to consolidate debt, cover expenses, or invest in something important.

Consider our app’s Discover feed your daily dose of financial inspiration. It’s packed with bite-sized tips, budgeting hacks, and investing insights that help you make smart money decisions.

Pro Tip: Check it every morning to stay motivated — it’s like a financial pep talk (but not a preachy one).

MoneyLion’s rewards program is built to help make your financial life better. Think cashback offers, challenges, and bonuses tailored to your spending habits.

Where to Find It: Tap the gift icon in the app and start exploring.

MoneyLion’s community is full of people sharing tips, celebrating wins, and learning how to crush their financial goals.

Hope it’s clear by now that MoneyLion is unlike any other money app — it’s the partner that makes saving, investing, and earning feel doable (and even fun). Download the MoneyLion app or log on today and start using these tips to crush your goals fast so you can live your best life.


Stephen Milioti
Written by
Stephen Milioti
Stephen Milioti is a writer, editor and content strategist based in New York City. He has written for publications including The New York Times, New York Magazine, Fortune, and Bloomberg Businessweek.

Data based on average total monthly Shake 'N' Bank cashback redemptions of MoneyLion WOW members compared to RoarMoney customers between 05/01/2024 and 07/31/2024. MoneyLion WOW members are eligible to receive unlimited Shake 'N' Bank rewards each month; RoarMoney customers are eligible to receive a maximum of five Shake 'N' Bank rewards per month.

MoneyLion does not provide, own, control or guarantee third-party products or services accessible through its Marketplace (collectively, “Third-Party Products”). The Third-Party Products are owned, controlled or made available by third parties (the "Third-Party Providers"). Should you choose to purchase any Third-Party Products, the Third-Party Providers’ terms and privacy policies apply to your purchase, so you must agree to and understand those terms. The display on the MoneyLion website, app, or platform of any of a Third-Party Product or Third-Party Provider does not-in any way-imply, suggest, or constitute a recommendation by MoneyLion of that Third-Party Product or Third-Party Financial Provider. MoneyLion may receive compensation from third parties for referring you to the third party, their products or to their website.

The influencer, creator and other content provided in the MoneyLion App (“Content”) is for informational and entertainment purposes only and should not be construed as legal, tax, investment, financial, or other advice. All Content is intended to be of a general nature, does not address the circumstances of any particular individual or entity, and may not constitute a comprehensive or complete statement of the matters discussed. MoneyLion is not a fiduciary by virtue of any person’s use of or reliance on the Content. You should consult an appropriate professional if you require any legal, tax, investment, financial or other advice.

MoneyLion is a financial technology company, not a bank. RoarMoney℠ demand deposit account is provided by, and MoneyLion Debit Mastercard® is issued by, Pathward®, National Association, Member, FDIC. RoarMoney is a service mark of MoneyLion. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your account. MoneyLion is not itself a bank or a FDIC-insured institution and the FDIC's deposit insurance coverage only protects against the failure of a FDIC-insured institution. Pathward, National Association is a FDIC-insured depository institution.

Cryptocurrency transaction and custody services are powered by Zero Hash LLC and Zero Hash Liquidity Services LLC. When you enable MoneyLion Crypto, you must also agree to the Zero Hash LLC and Zero Hash Liquidity Services LLC terms and conditions and enable your Zero Hash account. Cryptocurrency assets are held and custodied by Zero Hash LLC, not MoneyLion. The value of any cryptocurrency, including digital assets pegged to fiat currency, commodities, or any other asset, may go to zero. Balances are not covered by FDIC or SIPC insurance. Zero Hash LLC and Zero Hash Liquidity Services LLC are licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. Services may not be available in all states.

The cryptocurrency assets in your Zero Hash account are not held at MoneyLion or Pathward. Pathward and MoneyLion are not responsible for the cryptocurrency assets held in any Zero Hash account. Neither MoneyLion, nor Pathward, is involved in the purchase, sale, exchange of fiat funds for cryptocurrency, or custody of the cryptocurrencies. Services may not be available in all states.

MoneyLion Crypto account holders need an open and active RoarMoneySM account in order to buy and sell cryptocurrencies through the Moneylion app.

Round Ups is subject to terms and conditions. This optional service is offered by MoneyLion. You may be required to have certain MoneyLion accounts to use this feature.

Rewards are subject to terms and conditions.

Investment advisory services provided by ML Wealth LLC. Investment Accounts Are Not FDIC Insured • No Bank Guarantee • Investments May Lose Value. For important information and disclosures relating to the MoneyLion Investment Account, see Investment FAQs, Form ADV Brochure, and moneylion.com/investing. Accounts are subject to a monthly account fee of $1, $3 (accounts valued over $5,000), or $5 (accounts valued over $25,000).