We’ve been taught to buy things we don’t need, with the money we don’t have, to impress people who don’t care.

We want to be rich while making the world a better place. We’ve seen enough greenwashing. We hear all the talking but no real actions.

We can be millionaires with a conscience. Let’s live our lives with no regrets.
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MEET THE MOGOCARD.
THE SPENDING CARD FOR A BETTER YOU,
AND A BETTER WORLD.
SPEND LESS THAN YOU MAKE
AND INVEST CONSISTENTLY
WHILE MAKING A POSITIVE IMPACT

IT’S NOT ABOUT HOW MUCH YOU MAKE

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How you spend determines whether you can build wealth or live in debt. The MogoCard is designed to help you spend less than you make while making a positive impact effortlessly.

Spend only the money you load
Spend only the money you load
Zero debt
Zero debt
Get instant alerts about your spending
Get instant alerts about your spending
Remove CO2 with every purchase
Remove CO2 with every purchase
Become climate positive
Become climate positive
Make a positive impact effortlessly
Make a positive impact effortlessly
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The Mogocard
(it's not a credit card)
We redefined the spending card
Average savings of
$200/month
IN CONTROL OF
MY FINANCES
Erase my carbon
footprint
Guilt-free
spending

Zero Debt

Buy now pay “now” is the way

A well-known MIT study found that people were willing to spend up to 100% more using a credit card instead of cash, which is why 64% of Canadians have debt, with the most common type of debt being credit card debt.

Spend smarter and avoid debt traps like credit cards and buy now pay later plans. The MogoCard works like cash—it's designed so that you can only ever spend what you've loaded onto the card. No more surprising credit card bills at the end of the month.
  • INSTANT BALANCE NOTIFICATIONS
  • SPENDING ANALYSIS
  • NO DEBT
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stay on top of your spending with ease

When it comes to spending control, visibility is key. Receive an instant balance alert every time you tap your card, so you can budget better and make your money last longer.

Every month, we’ll share analyses that can help you better understand your spending patterns—so you can anticipate high-spend days and budget better all month long.
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BUDGETING MADE EASY

The amount you load onto your MogoCard is your budget. You can only spend what you have on there, so you won’t “accidentally” spend money that’s meant for something else, like your rent or regular bills.

ZERO CARBON FOOTPRINT

Change your card. Change the world.

The MogoCard helps you to make a significant social impact, effortlessly. For every purchase made with the card, we plant a tree to help erase your carbon footprint. Every time you shop with the MogoCard, you're taking climate action.
  • Plant Trees
  • Remove co2
  • Make an impact

YOUR POSITIVE IMPACT AS A MOGOCARD USER

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Recycling and reducing consumption are good but won't get us to net zero emissions. Without offsetting your carbon footprint—by planting trees that absorb CO2—we cannot erase our total global greenhouse gas emissions. Yet if only 25% of Canadians spend with the MogoCard, Canada would not only be net zero but climate positive—meaning we would erase even more CO2 than what's emitted.

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Plant a tree with every tap

Every purchase you make with the MogoCard plants a tree to remove carbon emissions equivalent to 500lbs CO2. This helps make your purchases climate positive and erase your carbon footprint when used for your day-to-day spending. Every time you spend with the MogoCard, you’re fighting climate change, creating jobs, reducing the severity of natural disasters, and making a real social impact.
ZERO
REGRETS
Because of the Mogo community,

1,161,300,000+lbs of CO2

will be removed by the trees we are planting.
Together, we’re creating a better future for all.

Partners

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Secure your money

If your card is lost or stolen, you can immediately 'freeze' your card in the app to prevent anyone from accessing your funds. You can simply 'unfreeze' your card if it’s found later or you can order a replacement card. Your MogoCard is protected from unauthorized use by the Visa Zero Liability Policy.
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Free credit score monitoring

With your MogoCard, you get free monthly credit score updates to help you stay on top of your score. Ditch your credit card and start spending with the MogoCard to help lower your credit utilization ratio, which could help improve your credit score.
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Free Identity Fraud Protection

We’ll monitor for hard credit check inquiries on the daily, and send you a mobile notification and email if a potential threat is detected. Credit bureaus typically charge $240/year for this service, but you’ll get it for free with Mogo.
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Free card.
No monthly fees.

  • Add money instantly Free
  • Monthly account fee Free
  • Unlimited purchase transactions Free
  • Ordering your MogoCard Free
  • Monthly credit score monitoring Free
  • Identity fraud protection Free
  • Domestic ATM $1.50
  • International ATM $3.00
  • Account Inactivity Fee

    Only charged after a year of inactivity and if there is a remaining balance.

    $1.99
  • Foreign currency transaction fee 2.5%
See transaction limits

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