No you don't!
When you open a MogoAccount, we tell you if you're pre-approved without hurting your credit score, but you're under no obligation to use MogoMoney.
If you're pre-approved for MogoMoney and you don't want to use it, we're totally cool with it. Same goes for MogoMortgage pre-approval. You can still get your hands on a MogoCard and monitor your credit score monthly for free.
Mogo Visa* Platinum Prepaid Card is issued by Peoples Trust Company pursuant to licence by Visa Int. *Trademark of Visa International Service Association and used under licence by Peoples Trust Company.