Canada · Prepaid card

How to activate your MogoCard (Mogo Prepaid Visa)

Activate your MogoCard (Mogo prepaid Visa) online, in the app or by phone — what you need, step-by-step instructions and fixes if activation fails.

By the CreditCardCompare editorial team · Updated · Checked against mogo.ca

Quick answer: Activate your MogoCard (Mogo Prepaid Visa) online at mogo.ca or in the Mogo app. Have ready: A MogoAccount login; Your card. Use only mogo.ca or the official app, never a link sent by text or email.

Official activation mogo.ca Methods: Online · Mobile app Phone: use the number on the sticker on your new card
Good to know: STATUS UNCERTAIN: mogo.ca/mogo-card now shows the MogoMoney line of credit instead of the prepaid card, which suggests the MogoCard may no longer be offered. Verify before publishing or frame the page for existing cardholders.
Only activate on mogo.ca or the official app. Type the address yourself. Mogo Finance Technology (prepaid card issued by a partner institution) will never text or call asking for your full PIN or a one-time code.
Person using laptop computer holding card — activating a new MogoCard (Mogo Prepaid Visa)
Photo: rupixen / Unsplash

What you need

  • A MogoAccount login
  • Your card

Activate your MogoCard (Mogo Prepaid Visa) online

  1. Sign in to your MogoAccount at mogo.ca
  2. Open your dashboard and find the card
  3. Choose the activate option
  4. Follow the prompts

Activate in the Mogo app

  1. Open the Mogo app and sign in
  2. Go to the card section
  3. Follow the prompt to activate

Activate by phone

Call the activation number printed on the sticker on the front of your new card (or the customer-service number on the back) and follow the automated prompts. You will usually be asked for the card number and a piece of identity information such as the last four digits of your SIN or date of birth.

After you activate

  • Your balance carries over to a replacement card once it's activated
  • Add the card to your mobile wallet if supported

If your Mogo Finance Technology (prepaid card issued by a partner institution) card won't activate

  • Card expired with money left: Mogo's help centre explains how the balance moves to a replacement card
  • Can't find the card in your account: contact Mogo through live chat

MogoCard (Mogo Prepaid Visa) activation FAQs

How do I activate my MogoCard (Mogo Prepaid Visa)?

You can activate it online at mogo.ca, in the Mogo app. Online or in-app activation is usually fastest: sign in, choose the new card, and confirm the details requested.

Is there a phone number to activate a Mogo Finance Technology (prepaid card issued by a partner institution) card?

Use the activation number printed on the sticker on the front of your new card, or the number on the back of the card. Only call numbers shown on the card itself or on mogo.ca — scammers publish look-alike numbers.

Can I use my Mogo Finance Technology (prepaid card issued by a partner institution) card before activating it?

Generally no. A new card is blocked until it is activated, although some issuers activate a replacement automatically the first time you use it with your PIN, and some let you use a virtual card number in the app straight away.

Does activating a MogoCard (Mogo Prepaid Visa) affect my credit score?

No. Activation is not a credit check. Any hard inquiry happened when you applied; activating simply switches the card on. Not activating a new account does not close it, so it can still appear on your credit report.

Why won't my Mogo Finance Technology (prepaid card issued by a partner institution) card activate?

Card expired with money left: Mogo's help centre explains how the balance moves to a replacement card Can't find the card in your account: contact Mogo through live chat

Is it safe to activate my card online?

Yes, provided you are on the issuer's real website (mogo.ca) or official app. Type the address yourself rather than following links in texts or emails. Your bank will never ask for your full PIN or a one-time passcode by phone or text.

Sources: help.mogo.ca · helpcentre.mogo.ca. Steps change; if your screen looks different, follow the official instructions.