Mogo: Financial Freedom

5.31K reviews
Content rating
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About this app

Our mission is to help make it easy for Canadians to achieve financial freedom while making a positive impact.

So, we’ve created a formula for financial freedom and a better world for all:
Spend less than you make and invest consistently while making a positive impact.

To start your journey towards a better future, download the app to order the free MogoCard. The MogoCard is designed to help you spend less than you make while erasing your carbon footprint. Now anyone can get on the path to financial freedom while making a positive impact.

Getting started takes less than 3 minutes and won’t impact your credit score.

The MogoCard can help you avoid debt traps like credit cards and buy now pay later plans because it works like cash—you only ever spend what you load onto the card.

The MogoCard is the only card in Canada that can make it easy for Canadians to be climate positive just by using the card. It turns your day-to-day spending into climate action by planting a tree for each purchase you make.

Every month, the average MogoCard user offsets nearly 2x the average Canadians monthly carbon footprint, for free. If just 25% of transactions in Canada were made with the MogoCard, Canada would be climate positive today.

For every transaction you make with the card, we’ll send you an instant balance alert so you can always stay on top of your spending. You’ll also see a monthly spending analysis in the app to help you budget better and make your money last longer.

In a Mogo survey, 90% of users said the card helps give them better spending control, and users reported saving an average of $201 per month just by using the MogoCard for their daily spending.

The MogoCard comes with free credit score monitoring so you can always stay on top of your financial health. Track your score in the app and learn helpful tips for levelling up your credit score.

We monitor your Equifax credit bureau daily and notify you of any hard credit checks, which can be a sign of attempted ID fraud. Other providers charge $240/year for this service.

Spending less with the MogoCard is just one half of the formula for achieving financial freedom and a better world for all. The other half is investing consistently while making an impact.

Moka is an automated investing app powered by Mogo, made to help you invest consistently. Or, if active trading is more your style, you can trade with impact using MogoTrade.

Both are available on the app store.

Get the money app trusted by over 1.8 million Canadians.

*The Mogo app is currently only available in Canada (excluding Quebec). Not all Mogo products and services are available in all provinces and territories. Download the app and visit to learn more.

The MogoTrade app is owned by Mogo Finance Technology Inc., a wholly owned subsidiary of Mogo Inc. Your investment account is opened with MogoTrade Inc., an order execution only broker registered with IIROC.
Updated on
Dec 13, 2022

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info and Financial info
This app may collect these data types
Location, Personal info and 6 others
Data is encrypted in transit
You can request that data be deleted
5.31K reviews
Twitch Evolution
December 31, 2022
The mogo card and if features are remarkable! I couldn't be happier with it. However, it only gets 4 stars because I've been trying to reset my password for 30 minutes now and everytime I click the link in the email it just brins me back to the login screen and asks for my password.... I'm trying to reset it not re-enter it. It's causing a lot of grief for something that worked fine before.
5 people found this review helpful
alex desmarais
January 20, 2023
Every single time I try to transfer money from my bank it says there's an "error on us" The verification page does not have a next button. I select a verification option I'd like to use and then I can't go anywhere from there, and then the transfer fails. I will increase my rating if this is fixed.
Nima Farahani
November 11, 2022
I use the app for my mogo card. I don't have any particular issue with existing features in the app, but if the app had more features like KOHO I would give them 5 stars. One thing I appreciate is instant push notifications when I make any payment showing the amount spent and remaining balance. I would really give this app 3.5 stars. It needs more features in regards to the mogo card like e-transfer, direct deposit, and search transaction history.
2 people found this review helpful
Mogo Finance Technology Inc.
November 16, 2022
Thanks for your feedback, Nima! We really appreciate you taking the time to leave us suggestions about adding additional card features. We’re always looking for ways to enhance the experience, so we have passed your feedback to our Card Team. Please stay tuned as we roll out enhancements to our services!