Make change with spare change

The easy, smart way to support the Canadian charities that are close to your heart.

  1. 1

    1. Connect

    Create a Moka account and link your bank to the app.

  2. 2

    2. Support

    Select a Canadian charity and set a donation goal.

  3. 3

    3. Spend

    Use your debit and credit cards to make purchases.

  4. 4

    4. Donate

    Moka rounds up and donates your spare change on the last Friday of the month!

Why Round Up to Give?

  • An easy, automated way to give

    Donate without changing your lifestyle or feeling the difference in your bank account.

  • There’s a charity for everyone

    Support a cause that matters to you by choosing from any of Canada’s 86,000 registered charities.

  • Lower your tax bill

    You could receive as much as 52% of your donation back at tax time. Plus, we’ll send you a donation receipt directly in the app.

  • Share the love to support your cause

    Refer friends to Round Up to Give and you’ll earn $5 to donate to your charity--and so will they!

Great causes
Moka users
are supporting

  • The Black Health Alliance

    The Black Health Alliance is working to improve the health and well-being of Black communities in Canada. Through groundbreaking research, strong partnerships and people, the movement continues to improve Black health and well-being, and mobilize people and financial resources to create lasting change.

    North York, ON

  • The Urban Alliance on Race Relations

    The Urban Alliance on Race Relations strives to address emerging issues related to diversity, equity and inclusion, including coalition work, legal interventions, and speaking out on matters of inequity and unfair action of a systemic nature.

    Toronto, ON

  • DESTA Youth Network

    DESTA supports Black youth aged 18 to 35 in reaching their educational, employability, and entrepreneurial goals through a holistic and individualized approach.

    Montreal, QC

  • The Indigenous Women's Fund of Canada

    The Indigenous Women's Fund of Canada strives to advance education on Indigenous women's equality and human rights and provide financial assistance to Indigenous women and youth for litigation that deals with upholding equality rights, gender rights, and Aboriginal rights that have been secured by law.

    Akwesasne, QC

  • The Legacy of Hope Foundation

    The Legacy of Hope Foundation's mission is to educate towards creating just and equal relationships of reconciliation and healing for all Canadians, to expand awareness of and access to the rich legacy of the contributions of Indigenous Peoples in Canada and the world, and to make known the histories of Indigenous Peoples in Canada, including the histories of injustice.

    Gloucester, ON

  • 86,000+ more

    Thanks to our partnership with CanadaHelps, the nation's largest online giving platform, you can Round Up to Give to any of Canada's 86,000 registered charities.


Moka has thousands of 5-star reviews

  • For a decade, we donated to the Terry Fox Foundation by doing the Terry Fox Run as a family. Now I’m swapping my running shoes for roundups.

    Maria K., Montreal

  • Round Up to Give means I can always afford to give and make a positive impact in my community.

    Peter L., St. John's

  • I like that I can give AND save without feeling it in my day to day finances.

    Lyla B., Calgary

Got questions?

Check out these FAQs.

  • Will you invest my charitable donations?

    No. Moka is an investing app, but we do not invest the money you put aside in your charity goals. We’ll save your roundups as cash and send your savings to your selected charity once a month. This means there is no investment risk related to any of the funds you want to donate.

  • How much can I really raise for my charity with roundups?

    The average Moka user generates around $15 in roundups per week, but you might save more or less depending on how frequently you use your debit and credit cards. You can also reach your goal faster by earning $5 for every friend you successfully refer to Moka.

  • How do roundups work if I have more than one financial goal in Moka?

    We round up your purchases and put the same amount of spare change in every financial goal that you have created. Imagine you are saving for a vacation and also donating to a charity with Moka. If you buy a coffee for $4.50, we will deposit the 50 cent roundup in both goals. In other words, you’ll be putting $1 aside on a $4.50 purchase.

    You can also disable or accelerate roundups for specific goals. If you want to focus on your donation goal, you can temporarily pause roundups on other goals. If you want to reach a goal faster, you can multiply roundups up to 10 times for any individual goal.

  • What if I want to withdraw money?

    You can withdraw money from your donation goal anytime, at no cost, but be sure to do this before the last Friday of the month. That’s when we process your donation and send it to your chosen charity.

  • Why don’t I see my $5 referral bonus in my donation goal?

    Referral bonuses will be deposited into the first goal that you created in the Moka app. This means that if you were saving and investing towards a goal before you create a donation goal, the $5 bonus will be deposited into your original goal. If you want to donate the $5 to your selected charity, simply withdraw the money from your original goal and boost your donation goal with the same amount.

Make change with your spare change.

Are you a charity?
We'd love to chat.

Learn how you can use Moka in your fundraising toolbox.

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