# What is the MoneyLion Spend account?

> RoarMoney   SM   delivers a suite of premium banking features to help you get more from your money! You can open an account in minutes and get all of t...

Source: https://help.moneylion.com/en_us/what-is-the-moneylion-spend-account-BkqDoGAMK

Last updated: 2026-06-23T14:29:26.185Z

Ready to level up your banking game? Meet MoneyLion Spend—the deposit account brought to you by our bank bestie, Pathward®, N.A, Member FDIC. It offers premium features without the traditional bank feel.

Here's the glow-up your money's been waiting for:

**MoneyLion Debit Mastercard®** — with contactless pay because tapping is cooler than swiping.

**MoneyLion Spend** **Virtual Card** — Use it online, by phone, or on mobile, the _second_ you fund your account. No waiting around here.

**Get Paid Up to 2 Days Early** — Because you earned it.¹

**Sweet Rewards & Discounts** — Stretch your income like a boss. Save, earn, repeat.²

**Mastercard® Price Protection** — If you spot a lower price within 90 days of an eligible purchase, you could snag a refund up to $250 per claim (4x a year!).³ That’s right, shopping just got strategic.

**No Overdraft or Minimum Balance Fees** — Plus, 55,000+ fee-free ATMs in the Allpoint network.⁴ Fee who? Never heard of her.

**Money Tracking Made Simple** — See all your accounts in one place and get weekly spending reports that low-key feel like tea on your habits.

**Instant Card Lock/Unlock** — Lose your card? Lock it in the app faster than you can say “Where’s my wallet?”

_**But wait—there’s more**_ Set up **recurring direct deposits**, and you could unlock **zero-interest**  [**Instacash® advances**](https://help.moneylion.com/what-is-instacash-SJbtckQ1A)—up to **$1,000** when you need a boost.⁵ No catch. 

  

Wanna peek at all the perks? [Explore your benefits here](https://www.moneylion.com/banking/roarmoney-benefits/).

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

  

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_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 an FDIC-insured depository institution._

_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__Rewards are subject to_ [_terms and conditions_](https://www.moneylion.com/moneylion-rewards-program-terms-and-conditions/)_. Rewards are an optional service offered by MoneyLion._

_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._

_3__Should you find a lower price for an eligible 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_](https://mldocs.moneylion.com/GTB_Price_Protection_MoneyLion05052020.pdf)_._

_4__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._

_5__Increased Instacash limit requires recurring direct deposit into MoneyLion Spend 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_ [_Instacash Terms and Conditions_](https://www.moneylion.com/terms-and-conditions/#ml-instacash) _for more information, including eligibility requirements._