# How can I add money to my MoneyLion Spend account?

> There are several easy ways to add money to your account — and we've outlined the steps for each below.    FUND YOUR ACCOUNT WITH 0% APR INSTACASH    A...

Source: https://help.moneylion.com/en_us/how-can-i-add-money-to-my-moneylion-spend-account-HkJOjGCzt

Last updated: 2026-06-23T15:05:45.785Z

Ready to add funds to your MoneyLion Spend account? Whether you’re using Instacash®, direct deposit, or good old-fashioned cash, we’ve laid out all the ways to make it happen—clearly, simply, and with just the right amount of flair. 💼💰

###   
**Get an advance with Instacash®**

Access up to $500 of your hard-earned cash exactly when you need it.

**Here’s how to get started:**

1.  Tap **Instacash** from the _Accounts_ screen in the app
2.  Tap **Request**
3.  Choose your amount and tap **Get cash now**
4.  Review the details and tap **Confirm**
5.  Select your MoneyLion Spend account and tap **Get my cash**

**Est. time:** Within minutes or up to 2 business days, depending on your delivery method

[Learn more about Instacash®](https://help.moneylion.com/categories/instacash-HJo01iOaT) 

###   
**Set up direct deposits**

Want your recurring paychecks or benefits delivered automatically—and up to 2 days early1? Direct deposit is your best bet.

**To set it up:**

1.  Tap **MoneyLion Spend** on the _Accounts_ screen
2.  Tap **Direct dep.**
3.  Search for your employer or use the provided routing/account info to make the switch manually
4.  Need a hand? Tap **Send completed form**, answer a few questions, and we’ll help you prep a form for your employer

**Est. time:** Up to 3 pay cycles to fully activate

[Learn more about direct deposit](https://help.moneylion.com/how-do-i-set-up-direct-deposit-rkm5rKxCA)

###   
**Transfer from linked accounts & debit cards**

Link your external accounts or debit cards to the MoneyLion app and move funds with ease—no fees involved.

**To transfer funds:**

1.  Tap **MoneyLion Spend** from the _Accounts_ screen
2.  Tap **Add** at the top
3.  Choose your linked account or card and start the transfer

**Est. time:**

*   Near real-time for debit cards
    
*   Up to 4 business days for bank transfers
    

[Learn how to link an account](https://help.moneylion.com/categories/wallet-linked-accounts-ByaRkoOaa)

###   
**Transfer from unlinked accounts**

Want to send money from another bank or payment app? You can do that too.

**Steps:**

1.  Log into your other bank or payment app
2.  Start a transfer using your MoneyLion Spend **account and routing number**

**Est. time:** Up to 5 business days, depending on your provider

###   
**Deposit a check with mobile check capture**

Have a paper check? Use your phone’s camera to deposit it directly into your MoneyLion Spend account2.

**To deposit a check:**

1.  Tap **MoneyLion Spend** on the _Accounts_ screen
2.  Tap **Add**, then choose **See more options**
3.  Tap **Add a check** and follow the prompts

**Need help?** Contact Ingo Customer Service:  
1-229-276-3990 (7AM–Midnight EST)  
help@ingomoney.com

**Est. time:** Near real-time or up to 10 days, depending on the method

[Learn more about check capture](https://help.moneylion.com/categories/check-cashing-B1bJG8iEA)

###   
**Add cash at Green Dot® locations**

Prefer to use cash? Visit 90,000+ Green Dot Reload@theRegister™ locations3, including Walmart and Dollar General.

**To add cash:**

1.  Go to a participating retailer
2.  Hand your cash to the cashier
3.  Swipe your **physical** MoneyLion Debit Mastercard®

[Find a Green Dot location ➜](https://secure.attheregister.com/locations)

**Est. time:** Around 10 minutes

App giving you trouble when funding your account? [Check out these troubleshooting steps](https://help.moneylion.com/en_us/something-s-wrong-with-my-app-what-should-i-do-B1HqurlJe).

  
Still have questions? [Let us know!](https://help.moneylion.com/how-do-i-contact-support-SkVGjwhkR)

  

* * *

_MoneyLion is a financial technology company, not a bank. MoneyLion Spend demand deposit account is provided by, and MoneyLion Debit Mastercard® is issued by, Pathward®, National Association, Member, FDIC. 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._

_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. Expedited delivery requires_ [_Turbo Fee_](https://www.moneylion.com/pricing/#InstacashCashAdvances)_. See_ [_Instacash® Terms and Conditions_](https://www.moneylion.com/terms-and-conditions/#ml-instacash) _for more information and eligibility requirements._

_1__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__Ingo Money is a service provided by Ingo Money, Inc. and First Century Bank, National Association, Member FDIC, subject to Ingo Money and First Century Bank Terms & Conditions and Privacy Policy. Approval review usually takes 3-5 minutes, but may take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Unapproved checks will not be loaded to your card. Ingo Money reserves the right to recover funds from bad checks if you knew the check was bad when you submitted it, if you attempt to cash or deposit it elsewhere after funding, or if you otherwise act illegally or fraudulently. Fees may apply for loading or use of your card. See your Accountholder Agreement for details._

_3__A retail service 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 "Reload@theRegister is an optional service provided by Green Dot Corporation. ©Green Dot Corporation. Green Dot is a registered trademark of Green Dot Corporation._