All offers
MoneyLion
Highly recommendedBanks & cards · 4.7 / 5 · 18+ · USA
Free Roar Money account. Instant $5–$10 most days, plus a direct-deposit bonus.
MoneyLion’s free plan is the play. Create a Roar Money account with code $Smartlion. Most days the instant bonus is $5; promo days bump it to $10. Eligible direct deposit within the window adds about $50 more ($55–$60 total). Redeem points onto the in-app virtual Visa. Unlimited referrals. We recommend it as both a backup bank and a referral app.
- Signup bonus
- $5–$10 instantly on a Roar Money account; ~$50 more with eligible direct deposit
- If you refer later
- Unlimited referral bonuses
- Cashout
- Virtual Visa / bank features · Points onto an in-app virtual Visa
- Speed
- Instant for the signup bonus most days
- Best for
- Anyone who will open a free account; extra $50 if you can route a paycheck
- First-month range
- $5–$60 if you actually use it
How to do this
- 01Join via the Smartlion link and enter $Smartlion if asked.
- 02Open a Roar Money (free) account — skip paid add-ons.
- 03Claim the instant bonus and add it to the virtual Visa.
- 04Optional: receive an eligible direct deposit within 45 days for the larger bonus.
Worth it because
- + Free plan — no monthly fee required
- + Instant $5–$10 for opening Roar Money
- + Another ~$50 with a qualifying direct deposit
- + Unlimited referrals
The catches
- − Bonus amounts rotate; some days $5, some $10
- − Direct-deposit bonus has eligibility rules
- − Don’t buy paid features you don’t need
Bonuses are promotional and can change. Direct-deposit bonuses require a qualifying deposit in the stated window. Use code $Smartlion. SmartMoney is an affiliate site — we may earn when you use these links. Read the company’s current terms before you apply.