Spend less, save more than you think.
Overspending and overconsumption are not only making it hard for us to achieve important life goals, but it's also driving climate change.
The less we spend, the faster we can get out of debt, buy a home, and save for retirement. It’s also a key way we can reduce our impact on the planet. When 73% of the world’s clothing ends up in landfills and financial stress is the #1 stressor of all Canadians, we know it’s time for more sustainable spending.
For good. For real.
CO2reduction made simple
Reduce your carbon footprint automatically when you spend. Through the REDD+ Amazon Forestry Project, one pound of CO2 will be offset for every dollar you spend with MogoSpend, helping you and Canada become carbon neutral.
$0monthly fee or interest
With MogoSpend, you pay with your own money instead of credit so you only spend what you can afford, and you can easily manage your spending through the Mogo app. It’s like using a futuristic debit card that helps you live more sustainably.
See our fees
It’s your climate action card
Proudly use your carbon neutral MogoCard and make a positive impact on the planet’s health and your financial health.
Not just a cool card
Mindful spending made easy
Keeps you mindful
Get an instant notification showing you the amount spent and an updated balance every time you use your MogoCard.
Stay on top of your money with insights that help you make better spending choices.
Automate your budget
Use auto-transfers to set how much you want to spend and for how long. In just seconds, you've created an automated spending budget without switching banks.
Set a Spending Goal for more control
Create a Spending Goal by setting how long your budget needs to last and see your recommended daily budget to stay on target.
Visa Zero liability
Your MogoCard is protected from unauthorized use with Visa Zero Liability Policy.
Freeze your lost card instantly
If you lose your card or it’s stolen, you can freeze it instantly on the MogoApp and order a new one.