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What is Mos?

Mos was inspired by the original rebel, Luke Skywalker, who came from the fictional desert town of Mos Espa (which is based on the real-life desert town of Tataouine, where our founder Amira Yahyaoui is from).

Mos is on a mission to tear down all financial barriers to opportunity. We started by getting students free money for college, and now we’re saving students money with a fee-free debit card and checking account.

Everyone who uses Mos gets access to the largest scholarship pool in America and a personal coach who helps you get free money for school and life. Plus, Mos lets you manage your money easily, access 50K ATMs, and send and receive money instantly.

Mos is a financial technology company and is not a bank. Banking services provided by Blue Ridge Bank N.A.; Member FDIC.

Nope. None. Nada. Zilch—zero is our magic number.

Mos has zero overdraft fees, ATM fees, transfer fees, or minimum balance fees.

Absolutely. Your Mos account is insured up to $250,000 through our banking partner, Blue Ridge Bank N.A.; Member FDIC.

Every purchase you make with your Mos card is also protected by VISA’s Zero Liability Policy , which means you’ll never be responsible for charges you didn’t authorize. We’ve also built in bank-level security and data encryption to keep your personal info and account safe.

Unlike traditional banks who make money by charging you fees, Mos makes money from ‘interchange’ fees paid by the merchant bank.

When you use your Mos Card, card networks collect a service fee (kind of like a tax for the merchant charging your card), and Mos gets a percentage of that fee. That means we don’t have to rely on traditional fees and we can pass the savings on to you.

Of course! We welcome your feedback — the good and the bad — to make our product and service better. Bring it on, we’re ready to listen. Start a chat with our support team.

Getting started with Mos

For now, you need to be 18+ to join Mos. But, we’ll be opening up to minors (with a parent or guardian to sponsor their account) very soon—stay tuned.

When you sign up for Mos, you’ll be prompted to create your tag "@________"
You can use letters and numbers, but no special characters.
You can change your tag by going to the Profile tab → Profile settings. If you change your tag, you’ll need to verify your identity via SMS code.

You can get money in a few different ways—

  1. Invitations - You’ll earn $5 for every friend you invite who opens a Mos account. And the best part? They’ll earn $5 too! Once you’re in, there’s no limit to how many people you can invite.
  2. Exclusive scholarships - Mos offers exclusive scholarships, such as our Black Students Matter and Back to School scholarships! Be sure to check the app and follow our social media for the latest updates.
  3. Scholarship finder - Mos has the largest scholarship pool ever, with over $160B worth of financial aid. Finding and applying for money for college is made easy on Mos.

We use your cell phone number to verify your account and make sure that only you can access your money. When you create an account, we’ll send an SMS code as verification that your account is linked to the right mobile phone number.

Your Mos account is an FDIC insured and protected bank account. The government requires every bank to verify a customer’s identity before opening an account. We don’t perform a credit check, but we use your SSN to verify your identity.
We take your security seriously. Your SSN and personal information is always encrypted as soon as you enter it in our app. It is only used for verification purposes as required by law and not shared or sold to any third parties.

When you first create your Mos account, you’ll need to provide your email. If you were on the waitlist, be sure to use the same email!
After you’ve finished setting up your account, you’ll need to verify your email. You can do that by:

  • Go to profile tab
  • Tap personal information
  • Tap email
  • The email you provided during onboarding and/or the waitlist should appear here. If it’s not the right one, type in your new email
  • Tap verify email
  • You’ll receive an email from Mos with a six-digit code—enter that code in the app to verify your email address
And you’re good to go! You’ll know your email is verified when you see a check mark next to it.

Nope! We don’t do a credit check. We just need to verify your identity to open your account.

Yes! Once you create a Mos Account and your bank application is approved, you’ll receive your Digital Card instantly. Your Digital Card is a digital-only card with its own unique card number and details. You can use it online or add it to your mobile wallet to use in-store.
To first use your Digital Card, you’ll need to add money to your account by linking a debit card, bank account, or external app (like Venmo or CashApp). Or, you can ask someone to send you money via Mos.
Once your funds arrive, you’re ready to start using Mos!

Mos is a US service currently available to US residents. But, you can use your Mos Card internationally anywhere VISA is accepted (which is almost everywhere!).

Sometimes we’ll need to do another quick review to confirm information, such as your address if you’ve recently moved. But don’t worry—we’ll have someone reviewing your information and your application should move forward in 1-2 business days.

Adding money

You’ll need to log in to the bank account you want to link, and follow their instructions to connect your Mos account. You’ll need to provide your Mos routing and account numbers, which you can find on the Profile tab.

You can send money instantly to anyone else with a few quick taps.

  1. Log in to your account
  2. Tap the arrow button in the top right corner of the Home tab
  3. Enter the amount and a note
  4. Enter the Mos tag, contact name, or phone number of the friend you’re sending money to
  5. Double check the details, and hit send!

Got a job? That’s awesome! Want to get your paycheck instantly to your Mos account? We got you!
To set this up, log in to your employer’s HR profile and enter your Mos routing and account numbers, bank name, and account type. Pro tip—you can find this in the Profile tab → Set up direct deposit.

  • We have no daily limit for ACH transfers from an external bank account
  • We have no daily transfer limit from another Mos account
  • We have no direct deposit amount limit
  • The total cash amount you can deposit at an in-network ATM at once is$1,000, but up to $2,000 in a day
  • The total cash amount you can withdraw from an ATM is $500 a day - You can spend $2,500 daily using your Mos card or Google Pay & Apple Pay

Invite friends to Mos

Our invite program is a way for you to earn money by sharing Mos with your friends! Simply send an invite to a friend, and once they open a Mos account, you’ll both see the money in your accounts!

You can earn a reward whenever a friend uses your referral code to apply for and open a Mos account.

You will earn your reward once your friend applies for Mos with your invite code and is approved to open their account.

You can invite anyone who doesn’t already have Mos!

Nope! You can invite as many people as you like.

You can get early access to open a Mos account if you’ve used Mos before or if a friend sends you an invite. You’ll receive a link—either from Mos or your friend—that you can use to download the app and then you’ll be good to create your new Mos account!

Getting money for college

You can complete your scholarship profile by taking short quizzes! Your Coach can send you them, and you can also find them by clicking 'take the quiz' on any scholarship. Based on your responses, we’ll match you with the scholarships that you qualify for. If any of your information changes or is missing, you can always update it in the same place.

These quizzes help us match you with the financial aid that you qualify for (so you don’t waste time on things you don’t). If you don’t know the answer to a question, you can skip it and fill out the info later in your scholarships profile.

Simply go to the profile tab and tap scholarship profile. From there, you can edit any of your answers.

See a scholarship you like? Awesome! You can save it to your list by tapping the heart icon on the page.

You can access your list of scholarships by clicking scholarships on the home screen and then the heart button on the top right-hand corner.

Your to-dos are a list of all of the steps required to apply to the scholarships and other aid programs on your scholarship list. You can keep track of your progress by changing the status of each of your to-dos.

Go to the scholarship you’re considering. If you’re not sure if you qualify, click take the quiz and answer a few questions.
Once you’re sure you qualify, click the to-do under "how to apply." Follow the instructions listed on Mos and then apply directly on the website.
Keep in mind: adding a scholarship to your list or marking it "done" does not mean you’ve applied (that’s because providers require that all students apply directly!).
Your Coach can guide the way and make sure you put together a stellar application. Talk to your Coach whenever you need help with your to-dos.

Usually, financial aid is awarded by your college in spring or summer. The money is put towards your student bill or deposited into your student account at the start of each semester. If you are unsure when you’ll get your money, you can contact the scholarship provider or your financial aid office, or ask your Coach for help.

Nope! Talking to a Coach is completely free! Go ahead and ask them any questions you have—we’re here to help you.

Your Mos card

We’ll ship your Mos Card as soon as you create your account and order your card. It ships via USPS and should arrive within 7-10 business days.
In the meantime, you can add your digital card to Apple Pay and Google Pay to start spending right away!

Anywhere Visa is accepted (which is pretty much everywhere!). You can swipe, insert the chip, or tap the card when you pay.
You can also add your Mos card to Apple Pay or Google Pay and start spending before it even comes in the mail!

You can withdraw money from any ATM in the Allpoint network for free—that's over 50K ATMs nationwide! You can deposit cash at any Allpoint+ ATM. You can find Allpoint ATMs near you using this map.
You can also withdraw money from ATMs that are outside the Allpoint network, but you may be charged a small fee by the other ATM provider.

We want to make sure your card is extra secure, so you’ll set up a PIN for your account. Once you activate your card, you’ll be asked to choose your PIN.
If you forget your PIN or need to change it, you can contact Mos Card Services 24/7 at 1(833)333-0417 to get assistance to do so.

If your card is damaged, broken, or stolen, you can easily replace it.

  • Tap profile tab
  • Tap card settings
  • Tap replace your card
  • Tap why you are replacing your card
  • Confirm the delivery address for the new card
  • Tap replace your card to confirm
And voila—your new card is on the way!
Your new card will come with a different card number than your previous one, so be sure to update that information if you have your card saved anywhere.

Don’t worry—refunds can take up to 5-7 business days to process and be returned to your account, depending on the merchant or store that’s sending you the refund.

Some merchants will pre-authorize a larger amount to verify funds on your account, especially if the final transaction amount is undecided at the time of purchase. This usually happens for gas purchases or mobility apps (i.e. Uber, Lyft). But don’t worry, the hold will be released in up to 5 business days once the final amount is processed.

Account maintenance

Make sure we always have your current email so we can keep you updated about your account and new features! Here’s how to change it:

  • Go to the profile tab
  • Tap personal information
  • Tap email
  • Type in your new email
  • Tap verify email
  • Verify your email by providing the six-digit code in the email we’ll send you

Be sure to keep your phone number up to date—we’ll use this to verify your account whenever you log in. Follow these steps to update your number:

  • Go to the profile tab
  • Tap personal information
  • Tap phone number
  • Type in your new number
  • Verify your phone by typing in the SMS code we’ll send you

Moved to a new address? No worries, Mos moves with you!

  • Go to the profile tab
  • Tap personal information
  • Tap address
  • Type in your new address
  • Tap save and you’re done!

You can always change your Mos tag as long as it’s not already taken and you follow our guidelines. You can change it by:

  • Go to the profile tab
  • Tap personal information
  • Tap tag
  • Type in your new handle (must be between 3-16 characters and no spaces or special characters like "!@#$%^&*()"
  • Tap save and you’re all set!

Your bank account is FDIC insured, so the government requires that you use your legal name. Contact us if you’ve had a legal change of name.
While you can’t change your name, you CAN change your Mos tag.

We take your security seriously. If we notice any potentially suspicious or fraudulent activity on your account, we may suspend it for your protection until the matter is resolved. When this happens, contact our support team via chat and we will look into your account.

We’re sad to see you leave! If you’re thinking about closing down your Mos Debit Account, then please contact our support team by opening the Mos app and tapping the Support icon.
From there, our Customer Support Team will walk you through the steps necessary in order to close down your account.


The Mos card comes with Visa’s Advanced Authorization and Fraud Protection.
The Advanced Authorization provides real-time fraud detection and can deny a transaction at the point of sale if it is deemed too risky.
The Fraud Protection team will reach out to you if we notice any suspicious or unusual behavior. And, you can reach our Fraud Call Center 24/7 at 1(833)333-0417—we’re always looking out for you.

Definitely—your deposits are insured up to $250,000 with our partner, Blue Ridge Bank, N.A.; Member FDIC.

If you’ve lost your card or think it’s been stolen or compromised, you can turn off transactions from within the Mos app! Go to profilecard settings → toggle allow transactions off. When transactions are turned off, you won’t be able to make any purchases using your physical Mos card.

If you notice any unusual activity or charges you don’t recognize, contact our Claims Support Department at 1(833)333-0417 immediately. One of our team members will work with you to confirm your activity.
In the meantime, you can turn off transactions in the app to block any future transactions with your physical Mos card.
If our support team does find that fraud has occurred, we will block the card and you can request for a new one to be sent. Any unauthorized transactions that weren’t already declined will be disputed so you won’t have to pay for something you didn’t purchase.

We’re sorry to hear about that! You’ll want to submit an unauthorized transaction claim right away! In order to do so, you will need to communicate with our Claims Support Department at 1(833)333-0417. We are available 24 hours a day, 7 days a week to assist you!
Please have the following information readily available before calling:

  • Transaction Date
  • Transaction Amount
  • Merchant Information (As displayed on your transaction history/statement)
  • Any other relevant information related to this claim
Our Claims Department will walk you through the entire process and ensure you’re updated once their investigation is finalized. We will also suspend your card and issue you a replacement to prevent further unauthorized transactions from happening.

Don’t you just hate when that happens? No worries, we can help navigate through some options.
If you’re able to communicate with the merchant directly and have them investigate as to why you were charged incorrectly, then that would be our best recommendation. More times than not, they can identify the discrepancy and correct the amount charged for you. However, sometimes it isn’t as easy, which is why we’re here to help. You can give our Claims Support Department a call at 1(833)333-0417 to file the proper claim to investigate the incorrect charge amount. We are available 24 hours a day, 7 days a week to assist you!

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