Information on the current MogoCard program

Last Updated: Nov 02, 2018 11:27AM PDT

Rule your spending with the Mogo Platinum Prepaid Visa® Card.

The MogoCard[1] helps you control your spending in ways that debit and credit cards can't. You could save hundreds of dollars a month. This is not a credit card—you spend only the money you load and track it on your phone. Unlike your typical plastics, you can choose our free Vader card design or upgrade to one of our designer cards.
  • The Vader - Free
  • Commando - $14.95
  • Camera Obscura - $14.95
  • Comical - $14.95
  • Cosmos - $14.95
  • Leopard - $14.95
Add money to your MogoCard
Transfer money from your bank account directly to your Mogo Platinum Prepaid Visa Card and only spend what you load.

Set a spending goal
Decide how long you want your money to last. Once you've set your goal, you can see how many days you have left and what your recommended daily budget is.

Smart notifications
Stay on top of your spending like never before. After each purchase, you instantly get an update with the amount you just spent and your updated balance.

The Ultimate Reward Program
By using the MogoCard to control your spending, you could save hundreds or thousands of dollars a year.

No fee on foreign transactions[2]
Most credit and debit cards charge a 2.5% foreign transaction fee, which means for every $100 transaction outside of Canada you will be charged an additional $2.50 in fees. Mogo doesn’t charge any additional foreign transaction fee.

Save on fees
  • $0 Monthly fee
  • %0 Foreign transaction fee[2]
  • %0 Interest
Typical bank debit cards charge up to $15 per month for unlimited transactions or require that you have a minimum balance. The MogoCard requires no minimum balance, has unlimited transactions, and no monthly or annual fee. And of course, there is no interest since you're using your own money.

MogoCard fees:
  • Add money instantly online - FREE
  • Monthly fee - FREE
  • Purchase transactions - FREE
  • Vader Card purchase - FREE
  • Foreign currency transaction fee - FREE[2]
  • Domestic ATM - $1.50
  • International ATM - $3.00
  • Designer Card purchase - depends on design
  • Card replacement - depends on design
  • Add money at Canada Post - $3.00
  • Cash or debit - Charged by Canada Post
  • Account inactivity fee - $1.99 unless balance is $0 (Only charged after a year of non-card use. Transaction activities keep the spending account free!)
  • Dishonoured Payment Fee - $25 (If your Add Money request is denied by your bank.)[3]
You can view the MogoCard's transaction limits here

For full terms and conditions, view our Cardholder Agreement.


1 - The MogoCard is currently only available for order through the iOS MogoApp to MogoMembers with an invite, that have passed identity verification and have an account with one of the supported Canadian banks found here https://help.mogo.ca/customer/portal/articles/2659954?b_id=16486. Other conditions apply.
2 - Effective January 5, 2019, Mogo will charge a 2.5% foreign exchange transaction fee when you use your Mogo Platinum Prepaid Visa Card for transactions in a currency other than Canadian dollars. Currently, Mogo does not charge any foreign exchange transaction fees when you use your MogoCard for transactions in a currency other than Canadian dollars. If you use your Mogo Platinum Prepaid Visa Card for a transaction that is submitted to the Visa networks in a currency other than Canadian dollars, Visa will convert the transaction amount into Canadian dollars using its currency conversion procedure. If a transaction that is initially in a foreign currency is converted before it is entered into the Visa network, the conversion rates and fees of the company or companies that did the conversion(s) will apply. It is possible that multiple currency conversions will be completed before your transaction instruction is received and processed. The transaction amount received in Canadian dollars and charged to your Mogo Platinum Prepaid Visa Card may include fees charged by others involved in processing the transaction.
3 - Effective January 5, 2019, the Dishonoured Payment Fee will be increased to $48.00.

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