Frequently Asked Questions

I need help with something. Who should I contact?

Email us at support@moneyworld.app and Squigs or Joony will get back to you within 48 hours. Joking. The actual people here will reply quickly and helpfully - we look forward to hearing from you.

Why should I use Moneyworld?

Moneyworld was designed with the goal of making saving money more fun and interactive, with the possibility for you to earn an extra cash return on your savings.

How does Moneyworld work?

Now that you’ve set up a weekly savings amount and put it on autopilot, you’re already growing your savings (fantastic). Visit your character as many times as you want throughout the day or night, and when you see a button that says “Claim Coin” tap it to earn additional cash deposited into your Moneyworld account every time your saving tree becomes fully grown. The saving tree takes 28 days to be fully grown and your weekly deposits must be active for your tree to grow.

What does “visiting my character” involve?

Think of them like a friend. Joony and Squigs are going about their busy lives in the various locations in Moneyworld just like we are going about our day. They might be jet-setting or doing something fall-asleep-mundane. Possibly something completely out of the ordinary.

So what are these coins and cash rewards about?

By visiting your character during the day, you will soon learn their routines and what times of day coins are on offer. Some coins are predictable and some are as serendipitous and random as Squigs’ moods. The more coins you collect, the higher your cash return will be at the end of the month. For more details, please see Moneyworld’s Terms of Use in your Documents section.

More specifically, what are coins?

Coins are the cash rewards you accumulate by visiting your character and playing Moneyworld every day. These coins are valued at $0.02, $0.05, $0.10, or $0.20 each depending whether you are saving $20, $50, $100, or $200 per week on auto-pilot.

What's the maximum amount of coins and cash I can earn?

There are 8 opportunities to claim coins each day. Each time your saving tree is fully grown your coins are exchanged for cash, which is then deposited into your Moneyworld deposit account. Your saving tree takes 28 days to be fully grown and you must be making weekly deposits for your tree to grow.

What does the silver pot represent?

The silver pot represents the sum total of cash rewards (coins) you are earning day-to-day by playing Moneyworld that have not yet been “banked.” At the end of every 28 day saving tree growth cycle you will see that the cash value in the silver pot will be transferred to your Moneyworld account (represented by the gold vault) and is now yours to keep.

What does the gold vault on the top left of the screen represent?

It is how much you have saved at Moneyworld! The gold vault represents the total value in your Moneyworld account. This includes your automated weekly savings deposits as well as your “banked” cash rewards each month. The monthly membership is subtracted from this account (first month is free). Click on the gold vault anytime to see transaction details, or look at your statement each month for a recap.

What is the Orchard?

The trees in your orchard represent 28 days of saving. Water your tree every day in the greenhouse to watch it slowly grow and then get planted outside when fully grown. Let your orchard blossom as your savings grow.

What is the Trivia tab?

3 times a week, play trivia with others to earn more coins.

What if I decide I want to change my character?

You can’t change while on your first Moneyworld voyage. After moving through the ten levels of Moneyworld with one character (Joony or Squigs), you will get to journey with the other at a later date.

What are these 10 levels of Moneyworld you speak of?

We can't tell.

How do I advance to the next level?

You will soon find out!

Is Moneyworld a bank?

Moneyworld is a financial technology company, not a bank. Banking services are provided by Lewis & Clark Bank, Member FDIC, and the funds in your account are insured up to $250,000.

If something happens to Moneyworld, is my money safe?

Yes, your funds are completely safe since they are stored separately at Lewis & Clark Bank, Member FDIC. Moneyworld is not able to access your saved funds and the funds in your account are insured up to $250,000.

Does Moneyworld have anything to do with crypto or blockchain?

No, Moneyworld has nothing to do with crypto or blockchain. You are opening a real bank account with Lewis & Clark Bank, Member FDIC, your automated weekly savings are with real money, and the funds in your account are insured up to $250,000.

Does Moneyworld sell sensitive data?

Moneyworld does not sell your data - we only collect the information that is required by regulations and Lewis & Clark Bank to open your account. For more details, please see Moneyworld’s Privacy Policy in your Documents folder.

Do I earn interest on my Moneyworld account?

No, you do not receive interest. However Moneyworld offers cash prizes that are designed to reward you for building your savings and allows you the possibility of earning more cash than standard interest rates would give you, as long as you are making 4 week saving streaks allowing your saving tree to grow, and pay regular visits to your character in the app. For more details, please see Moneyworld’s Terms of Use in your Documents section.

How does Moneyworld earn money?

Moneyworld earns a membership fee of $2, $5, $10, $20 per month (first month is free) depending which savings and reward tier you are on. This membership fee gives you access to the game, automates your savings and allows you to earn cash rewards that could out-earn a standard savings account if you are playing the game regularly and leaving your savings on auto-pilot. For more details, please see Moneyworld’s Terms of Use in your Documents section.

How does the weekly savings deposit work?

When you created your Moneyworld account, you linked your personal bank account (checking) to put savings into Moneyworld on autopilot. Each week, Moneyworld will initiate an automatic transfer from your personal checking account to your Moneyworld account at the amount you set ($5, $20, $50, $100, or $200 each week). NOTE: The transaction detail on your external bank account will say MONEYWORLD TRANSFER. The day of the week your savings amount is withdrawn coincides with the date you signed up. You can cancel the weekly automatic transfer in the app by going to Settings-> Change Savings -> Pause Savings.

How are membership fees charged?

The first month for all membership tiers is free and you can cancel anytime. If you choose a free account with a weekly savings deposit of $5, there is no monthly membership fee. If you choose to save $20, $50, $100, or $200 per week, a monthly membership fee of $2, $5, $10, or $20 will be automatically withdrawn from your Moneyworld account. For more details, please see Moneyworld’s Terms of Use in your Documents section. By playing Moneyworld regularly and establishing 4 week saving streaks which allows your saving tree to become fully grown over 28 days, you could earn more than your monthly membership.

Can I change my weekly savings amount?

Yes, you can increase or decrease your savings amount in Settings as long as it fits one of the weekly automated savings amounts. Your new savings amount will apply the following week and your new membership fee will apply in the next monthly billing cycle.

Can I make one-time deposits to my savings?

No, at this time the only deposits made to your savings are the weekly automatic transfers from your personal checking account and the cash prizes accrued at the end of every 4 week savings streak. If you have an influx of cash that you want to put away, maybe you are able to increase your weekly savings amount into Moneyworld instead.

Can I pause my weekly savings?

Yes, absolutely. Life happens so we want to give you the option to pause weekly savings contributions for up to 6 months. This will also pause charging a membership fee (if applicable). You won't be able to play the game and visit your character while savings are on hold, but you also won't lose your progress so far in the game.

Your account also won't mature while you've paused. For example, the tree in your greenhouse won't grow, and you won't accrue coins or savings. Think of things being frozen in time.

If you reach the 6 month point and still haven't unpaused your account, we'll contact you with your options.

How do I withdraw from savings?

You can withdraw your funds whenever you want, including any cash rewards you have already "banked" after each 4 week saving streak. However, currently you can only withdraw the full amount in your Moneyworld account, and will lose your game progress in Moneyworld.

If you wish to start saving again, you must wait one month, and we will welcome you back to Moneyworld. Note that your gameplay in Moneyworld will reset to zero when you next start your savings journey with us, but there will still be tons of fun and new discoveries.

I want to cancel my membership. What do I do?

Please go to the Withdraw tab in settings or email us at support@moneyworld.app and we would be happy to help. Note that on canceling your membership, your progress in the game would be re-set back to zero if you join again in the future.

Anything else you can tell me about Squigs? I'm intrigued.

Frog. Accountant. Wild at heart. Side hustle as an electronic dance music DJ by night. Need we say more?

What else can you tell me about Joony? I need to know more. Now.

Cat. 1990’s breakdancing. Neon tracksuits. Trendsetter. Two time James Beard award winner. You will have to discover the rest.