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Moka helps you achieve your financial goals by making it easy to save more, spend less and invest smarter.

The first way we help is by rounding up your purchases and investing the spare change. Spend $3.25 on your debit or credit card, for example, and we’ll round up to $4.00 and invest the 75 cents.

Moka is also developing products to help you easily lower expenses, reduce debt faster and get financial advice. Plus, we offer valuable cashback Perks to help you save when you spend.

Ready to join over 750,000 other Canadians who have downloaded Moka?

Save more, effortlessly
Set it and forget it. Moka makes it easy to save by automatically investing your spare change. Plus, you can accelerate your savings by setting up recurring weekly deposits or multiplying your roundups.

Start investing with no experience
Your registered portfolio manager will handle all the investing for you and design your investment strategy around your financial situation and goals. We’re already looking after over $200 million for our clients.

Benefit from affordable services
Moka makes investing accessible. There’s no minimum to open an account and we’ll invest your money in a diversified portfolio of affordable Exchange-Traded Funds (ETFs).

Enjoy extra Perks
Moka partners with brands you love to score exclusive deals and discounts every month. With these valuable cashback Perks, you can save money when you shop with brands like UberEats, Apple Music, Footlocker, and more.

Make a positive impact
Support companies who want to make the world a better place with Socially Responsible Investing. If you want to give back, donate to any registered charity through CanadaHelps, the nation’s most trusted digital donation platform.

Access your money for free
Request a free withdrawal whenever you need your money. You can also keep track of your roundups, deposits and investments in the app.

Get support from Moka
We care about our customers. If you need help using Moka or want to update your investment portfolio, you can chat us in the app or email support@moka.ai.

More about Moka
Your privacy matters. Moka will never sell your data. To keep your information safe, Moka uses the same security infrastructure as major Canadian financial institutions. You can read our privacy policy here: https://www.moka.ai/en/privacy.

Moka is made for Canadians. We’re proud to be helping people save and invest from coast to coast. Moka is available in English and French and supports all major Canadian banks.

Apple named Moka a “New App We Love” and the company has also been featured in The Globe & Mail, Financial Post, CBC, BNN, Global, and many more.

What’s New

Version 3.4.2

We’ve made improvements to make sure nothing gets in the way of you achieving your financial goals

If you need any help, please get in touch at support@moka.ai.

Ratings and Reviews

4.4 out of 5
12.7K Ratings

12.7K Ratings

antoinebilbord ,

Love the idea!

Literally investing my spare change to save money ; pure genius! I only wish there would be a graph where you see the evolution of your balance according the investments made 📈

Developer Response ,

Hey Antoinebilbord, Thank you for your review and for your feedback! Mylo is always looking for ways to improve and we love hearing from our users about what they'd like to see in the app. We're glad you're enjoying Mylo! -Emilie

BradyFoster ,


So, for the past 8 weeks I have been trying to contact a representative from Mylo to delete my account. None of my in app conversations were acknowledged, never received any replies from my emails, and this company has NO phone number to contact. Today, this changed, when I threatened to open a legal case with them. Within 5 minutes I had email confirmation of account closure, and my information was finally deleted. Followed were more emails apologizing for the horrible service, but it was too late. Not to mention the $3 fee I was being charged every month during this process, which I never agreed to! I did agreed to pay $1/month for their service, but of course they took $3! This is a very shoddy business, I would never recommend anyone use this service. This company is SCAMMING its customers. Most banks offer this service now anyways so PLEASE, skip the headache and do not get this app. I know the developer will respond saying it isn’t a scam, but I urge you to read more reviews and do more research as you will see otherwise!

Developer Response ,

Hi Brady,

Our mission at Mylo is to help users reach their financial goals and this at a very low monthly fee that is fair and one of the best fixed-rate fees you can find for this kind of service. I can assure you that we have no motive to scam our customers out of their hard-earned money that they are trying to save. Financial success is what we strive to help all our users achieve, in an easy and modern way. Our plans are 1$ or 3$ per month depending on the type of investment account you choose with our investment partners, we do communicate this to our users in our program agreement and more recently also by email upon the creation of their account in order to be as upfront and transparent about the fee as possible.

We are sorry that you feel this way about your experience and feel terrible that you feel let down by our service. We also regret that we will not have the opportunity to continue to help you with achieving your goals.

I do wish to clarify that 8 weeks ago we did respond to your query and asked you for feedback and confirmation and did not receive either until today when you messaged us again. We closed your account at your request today, not because you threatened us with legal action but because you simply confirmed that you wanted your account closed.

We truly wish you all the best in your continued journey towards your financial goals with any other service you choose, or on your own.


m4ttw4rd ,

Showing promise and getting better everyday!

- great new features like boost, multiple accounts, etc.
- still a great responsive team
- the one star review about signing over all your rights to information makes me nervous but I never read the fine print so 👀🤷🏽‍♂️
- I inquired about ‘ethical investing’ opportunities, as I don’t want to support specific industries. Was told they are collecting info but not available at the time. Meanwhile at Wealthsimple 👀

Overall still a great app that I love to use, just wish they’d address some of the concerns on the reviews.

Original review:
I was lucky enough to get to try the beta version and it was really bumpy. Made me nervous for the release but with he launch came a really stable app that syncs perfectly with my account. I'm sure more features are coming, but their customer service team has made this experience exciting. Finally an investment program that is accessible, easy, and works with my spending habits. Now the more I spend, the more I save!

Developer Response ,

Hello! Thank you so much for your feedback. It's an honour to have had you as an early adopter and we are glad to see you are still using Mylo. We are a young, Canadian startup and doing our best to accommodate all our Users while addressing as many concerns as (humanly) possible -- sometimes even beyond. Please feel free to reach out anytime directly through the app or feedback@mylo.ai. We'd love to hear from you :)


Moka Financial Technologies Inc.
89.3 MB

Requires iOS 11.0 or later. Compatible with iPhone, iPad and iPod touch.


English, French

Age Rating


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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