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Mos is banking built for students. Spend smart with the zero-fee Mos card. Find and apply to $160 billion in scholarships. Get 1:1 coaching on college finances from an expert. All for free.

Say goodbye to fees forever. Take out money free at 50K ATMs nationwide. Plus, no overdraft, minimum balance, or maintenance fees (the way it should be).

Access $160 billion in scholarships for college. Skip the search and get automatically matched with scholarships you qualify for.

Join 400,000 who are using Mos to pay for college. Find and apply to scholarships and grants, and get discounts and cash awards.

Get a personal coach to save you money on college. Nail your applications, negotiate for discounts, and avoid costly mistakes with unlimited free guidance.

Send, request, and receive money instantly at no cost. Earn $ for each friend you invite to Mos. Get a customizable digital and physical card. Add Mos to Apple and Google Pay for easy spending. Keep your account safe with secure encryption, Passcode, TouchID, and FaceID.

Animation: Kevin To @lottiefiles

What’s New

Version 1.10.6

App updates:
• ATM Map
• Rewards

New, exciting features in time for the Holidays:
• ATM Map: Easily find zero-fee ATMs within the Mos app for quick access to withdraw and deposit funds
• Rewards: Unlock exclusive rewards like cash back, $$ for inviting friends, and scholarships. New rewards drop regularly!

Ratings and Reviews

3.3 out of 5
170 Ratings

170 Ratings

callmekevony ,

First Come First Looks!

Yellow! I’m glad to take this opportunity to check out the cool features of the app and also getting a mos card! While going through the app, there was one part that strikes me and that was when I was providing info to the Mos bot it kept giving me error 500. It was very annoying, but the bot was able to fix it. Beside that, this is a great start for the Mos community! I hope more features come in and hopefully more schools and students can see this as an opportunity! -Kevin Do (College Student)

Developer Response ,

Hi Kevin, thanks for the review! Appreciate you checking out the app early and trying it out! We apologize for that bug where you received error 500, but we’ve been working on the app so we hope you don’t run into that error anymore!

chrislattman ,

App was buggy

When I try to create a digital card or search for scholarships, Mos fails to do either. Instead, I get a loading screen that either disappears with nothing accomplished (digital card) or it freezes (searching for scholarships). Due to these issues I cannot use the app for any meaningful purpose. Please fix this issue.

The developers fixed this issue and now the app fully works on my phone. Thank you!

Developer Response ,

Sorry to hear you had those issues - both should be resolved, but I'm looking into you case specifically. If you have any more issues, please reach out in-app or via support@mos.com so we can help you out. We sincerely hope to make it up to you.

aymansuli ,

Convenience FTW!

The app has definitely made the communication between my coach and I a lot easier! The setup was a little confusing at first but you can still get through it without much issue. I already had my account set up on the website prior to downloading the app so that may have helped with my account setup on the app. My coach is very responsive and helpful and definitely makes the Finacial Aid process a lot easier!

App Privacy

The developer, ASKMOS, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Contacts
  • User Content
  • Identifiers
  • Usage Data
  • Sensitive Info
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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