ROARMONEY

The Mobile Banking App That Works For You

Earn real cashback, get paid up to 2 days early1, and move your money when and where you want to.

Powered by Pathward®, N.A., Member FDIC.

Bank Your Way
123
descriptiondescription

Make Money Work For You.


Icon

Get paid up to 2 days early.1

Icon

Access up to $1,000 of your paycheck with interest-free InstacashSM.2

Icon

Buy Bitcoin or start investing with your spare change using Round Ups.3

descriptiondescription

Real Cashback. No BS.


Icon

Earn up to $500 when you make a qualifying purchase of $10 or more with Shake 'N' Bank4 rewards.

Icon

Get rewarded when you shop at your favorite stores online.

descriptiondescription

Your Cash.
Your Rules.


Icon

Deposit funds automatically into your account using a custom schedule. 

Icon

Add funds to your RoarMoney account through a network of 90K+ retailers nationwide.5

Icon

Withdraw from 55K fee-free ATMs.6

Icon

Settle up: Send and receive money without fees using MoneyLion Pay.7

Peace of Mind

Always Safe.
Always Secure. 


Always Safe.

Funds are FDIC-insured up to $250,000.

Security

Debit cards are backed by the benefits and reliability of Mastercard including Price Protection, Zero Liability, Extended Warranty.8

Security

Lock your card instantly in the app anytime.

Zero Minimums.
Zero Hidden Fees.
No Catch. 


ATM

No ATM fees at 55,000+ Allpoint® locations.6

Security

No minimum balance fees.

Track &
Manage


Security

Track your spending with weekly reports to view your spending habits by category.

Security

Discover new money hacks, content, and personalized insights to level up your finances.9

Upgrade RoarMoneySM Banking with MoneyLion WOW

Upgrade Now

Cashback on every qualifying purchase.11

Premium insurance on covered purchases related to travel, cell phones, event tickets and more.12

Exclusive access to the black metal card.13

Waived $1 monthly fee.14

Refunded foreign transaction fees on purchases.15

  1. Create your account
    Create your account and choose your money goals to personalize your experience. It takes just a few minutes.
  2. Easily add funds to your account
    Easily add funds to your account via 4 different methods: cash, debit card, direct deposit, or external transfer.
  3. Activate your virtual card
    Activate your virtual card in the app to start using it right away.
  4. Make it yours
    Make it yours. Choose your favorite color for your physical card and have it shipped to you.
What people say10

We’ve given out over 1 million in cashback to date.

Active rewards paid as of 11/20/2023

Quote

I have been using this app for about 2 years now and I love it. If you receive direct deposits, you get paid 2 days early. I always receive my paycheck on a Wednesday instead of waiting until Friday.

Monique D FROM Google Play
Quote

You can find ATM everywhere and they are absolutely free and I would rather have MoneyLion over any other well known banks out there.

NYCBOYAC FROM APP STORE
Quote

I absolutely love the Shake N Bank feature, no other app does that.

Trevin H from MoneyLion Discover
Quote

I have been using this app for about 2 years now and I love it. If you receive direct deposits, you get paid 2 days early. I always receive my paycheck on a Wednesday instead of waiting until Friday.

Monique D FROM Google Play
Quote

You can find ATM everywhere and they are absolutely free and I would rather have MoneyLion over any other well known banks out there.

NYCBOYAC FROM APP STORE
Quote

I absolutely love the Shake N Bank feature, no other app does that.

Trevin H from MoneyLion Discover

You've got questions.
We have answers.

How do I open a RoarMoney account?

Plus Icon

It’s easy and takes just a few minutes! Download the free MoneyLion app from the Apple or Google Play store and register for a MoneyLion account with a few pieces of personal information, including your name and your email address. Once you have created an account, we will need to confirm your identity. To do this, we securely and quickly gather additional information from you, including your Social Security number, address, and date of birth.

Once we have verified your identity, you can tap the RoarMoney banner in the app or select the RoarMoney product from our listing of products to set up your RoarMoney account in just a few steps! To start making the most of your account, you should link an external bank account and transfer funds or set up direct deposit. Note that you must be 18 years or older and a resident of the fifty (50) United States or the District of Columbia to be eligible for RoarMoney.

Are there any fees with the RoarMoney account?

Plus Icon

RoarMoney will not charge you hidden bank fees associated with your account! Any fees will be disclosed to you. You have access to 55,000 free Allpoint ATMs, but if you use an ATM that is outside of the Allpoint network, you will incur an ATM fee of $2.50 + whatever the out-of-network ATM / financial institution charges (typically $2-$5). These fees apply to both domestic and international ATMs.

If you choose to expedite your physical replacement card, this will incur a $25 fee. This will allow you to receive your card within 2-3 business days.

There is a $1 monthly administrative fee associated with your RoarMoney Account. Please see FAQ on administrative fee for additional information. Other fees associated with the RoarMoney Account including, send a paper check for Bill Pay and adding funds via external debit card will apply. See account agreement for more information.

When will my debit card arrive?

Plus Icon

First, you don’t need to wait for your card to arrive in the mail to start using your new RoarMoney account. As soon as you sign up, you can activate your RoarMoney virtual card and set a PIN by calling our automated activation line at 801.736.2453 and use it to shop online, by phone, and everywhere that accepts mobile pay after adding funds into your RoarMoney account. You find your virtual card in the Finances tab of your MoneyLion app.

Before we’ll mail you a card, you need to add funds of any amount or set up a direct deposit in the MoneyLion app. As soon as you do, we’ll mail you a MoneyLion Debit Mastercard®! It typically takes 7-10 business days from the day you add funds into your account until you receive the card. You should expect your debit card to reach you by the end of the 10th business day.

If you haven’t received your card after 11 business days, please double-check that your address on file is correct using the MoneyLion mobile app (you’ll find your address in the Main Menu by tapping your profile picture). If you need to update your address, you can click Edit next to the address.

If you have not yet added funds to your RoarMoney account, please do so by transferring funds from another linked account OR by initiating direct deposit through the MoneyLion mobile app or with your employer. Learn more about how to add money to your account here.

Do you check my credit history when I apply for a RoarMoney account?

Plus Icon

No, we don’t check your credit history when you apply for a RoarMoney account, and applying will not affect your credit score.

  1. With direct deposit. Faster and easier access to funds is based on comparison of traditional banking policies and deposit of paper checks versus deposits made electronically and the additional methods available to access funds via a card as opposed to a paper check.
  2. Increased Instacash limit with Safety Net requires recurring direct deposit into RoarMoney account. Instacash is an optional service offered 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. See Membership Agreement and help.moneylion.com for additional terms, conditions and eligibility requirements.
  3. 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.
  4. Qualified purchases of $10 or more in a single transaction made with your MoneyLion Debit Mastercard® or RoarMoney Virtual Card are eligible for the MoneyLion Shake ‘N’ Bank Cash Back Promotion for up to 5 shakes per month. Unlimited shakes are available with an active and current WOW membership. Cash Back Rewards begin at $0.01 and are subject to a cap of $500 per transaction. Must be a MoneyLion member in good standing to participate. Any Cash Back Rewards you earn will be deposited into your MoneyLion Investment Account. Your opportunity to receive Cash Back Rewards may expire if you do not successfully complete the Shake ‘N’ Bank activity within the time period disclosed to you in the MoneyLion app. MoneyLion reserves the right to review transactions for eligibility and to discontinue this incentive at any time without notice. Any fraudulent or other suspicious activity will void any rewards points earned and may also result in account suspension or cancellation. Certain exclusions and limitations apply. See Shake ‘N’ Bank Terms and Conditions and MoneyLion Rewards Program Terms and Conditions for more information.
  5. Cash loading thru GreenDot, the disclaimer is “A reload fee of up to $4.95 applies. Deposit and card balance limits apply. Active personalized card required.Keep your receipt as proof of your deposit. Services provided by Green Dot© ©2023 Green Dot Corporation. All rights reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739
  6. Fee Free ATMs, the disclaimer is “The MoneyLion Debit Mastercard can be used for no-fee withdrawals at ATMs in the Allpoint network. Fees may apply for ATM transactions outside this network.
  7. While this specific feature is available for free, certain other transaction fees and costs, terms, and conditions are associated with the use of this Account. See the Demand Deposit Account Agreement for more details.
  8. Under Mastercard’s Zero Liability Policy, your liability for unauthorized transactions on your Card Account is $0.00 if you notify us promptly upon becoming aware of the loss or theft, and you exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use. These provisions limiting your liability do not apply to debit.” transactions not processed by Mastercard or to unregistered cardsShould you find a lower price for an eligible new item within 90 days from the date of purchase using your MoneyLion Debit Mastercard, you may be reimbursed for the price difference. For more information about the coverage you may be eligible to receive, call 1-800-MASTERCARD (627-8372). To file a claim online, go to mycardbenefits.com. Benefits are subject to terms, conditions and limitations, including limitations on the amount of coverage. Coverage is provided by AIG WarrantyGuard, Inc., an AIG company. Policy provides secondary coverage only. Please reference the Guide to Benefits.
  9. 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.
  10. Reviews may be edited to correct grammar or typing errors or shortened if the entire review did not seem relevant for the general public.  Reviews are from real MoneyLion users and may not reflect the typical MoneyLion user experience and not intended to represent or guarantee that anyone will achieve the same or similar results or outcomes.
  11. WOW Members who are RoarMoney account holders are eligible for certain insurance, warranty, and other protective benefits provided by SURE when using their RoarMoney accounts to make qualifying purchases. Benefits are subject to terms and conditions, which may include coverage criteria, claim filing instructions, exclusions and limitations. For more information, see our Help Center. This insurance is issued and managed by the Chubb Group of Insurance Companies, 202B Hall’s Mill Road, Whitehouse Station, New Jersey, 08889. Content and associated insurance products are provided by Sure HIIS Insurance Services, LLC, a licensed seller of insurance.
  12. Benefits described are features of the MoneyLion WOW Membership; card does not come with benefits.
  13. The RoarMoney monthly Administrative fee and the MoneyLion Managed Investment Account monthly fee of $1, $3, or $5, depending on balance, will be reimbursed if the WOW membership is in good standing and active at the time the fee is charged.
  14. The 3% Foreign Transaction Fee for purchases will be reimbursed if the WOW membership is in good standing and active at the time the fee is charged. Fees for out-of-network ATM withdrawals still apply fees.
  15. Reviews may be edited to correct grammar or typing errors or shortened if the entire review did not seem relevant for the general public.  Reviews are from real MoneyLion users and may not reflect the typical MoneyLion user experience and not intended to represent or guarantee that anyone will achieve the same or similar results or outcomes.