Neo—the rewarding community that makes you richer

Neo is the easy way to spend, save, and get rewarded. We're building better financial services for all Canadians coast-to-coast.

We’re partnered with leading financial institutions

The future of finance, today

You deserve what tomorrow has to offer, and we’re building it for you, today.

Neo is 100% digital. This means you can pay bills, make deposits, send Interac e-Transfers®, and earn rewards wherever you are and at any time, all from one place.

This is only the beginning! We’re busy launching simple, innovative products that save you time and money.

Our products


Discover high cashback at all your favourites

Earn an average 5%¹ cashback at thousands of partners and at least 1%² monthly cashback guaranteed.


Save your money— or use it

Pay bills directly from your savings account while earning 1.3%* interest. No monthly fees, no minimum balance, and unlimited free transactions.

There are more great things to come

We're actively expanding our products, with new ways to get rewarded launching this year.

Get to know us

Tech innovation meets finance

Made in Canada, for all of Canada

We use technology to create custom solutions that help you do more with your money.

Neo is available from coast to coast for all Canadians—regardless of your financial situation.

Neo Savings is not available to Quebec residents. Don't worry—we're coming soon.

Neo is local

Neo is community

Join us in discovering, exploring, and experiencing rewards all while supporting Canadian businesses.

From perks, to financial tips and events, we're committed to sharing the best we have to offer.

Have questions or want to chat?

Our friendly support team is on it

Visit the Neo Financial Help Centre for answers to commonly asked questions or contact support 7 days a week from 7:00 am to 8:00 pm MST.


Neo is a Canadian tech company that reimagines the way people spend, save, and earn rewards. We’re helping you make the most out of your time and money by building from the ground up using today’s technologies.

You can open an account within minutes, earn instant cashback at your favourite stores, and get real-time notifications when you spend and save, all without monthly or annual fees.

Neo offers access to better financial services through our easy-to-use app or website.

Our vast network of cashback partners have signed up to reward you when you shop using your Neo Card. The more you use your Neo Card, the better the rewards get and you are guaranteed a minimum cashback rate.

The Neo Savings account earns high interest while allowing you to pay bills, send/receive e-transfers, and deposit/withdraw funds. Enjoy unlimited free transactions for no monthly or annual fees. We bet that's better than what you're currently getting.

You need to live in Canada, have a Canadian photo ID, and be the age of majority in your province to apply for the Neo Card. A range of credit scores are accepted.

Neo Savings is not available to Quebec residents. Don't worry—we're coming soon.

¹Average based on current offers. Cashback varies per offer and partner. 

²Top-up is limited to $5,000 of spending per month at non-partners. 

For further information, please see: Neo's Reward Program Terms & Conditions

*Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice.


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The Neo Savings account is provided by Concentra Bank, a CDIC member institution, and is eligible for CDIC deposit protection. Deposits held in Neo Savings accounts are combined with eligible deposits held at Concentra Bank, for up to $100,000 of deposit protection, per category, per depositor.

Cards issued by ATB Financial pursuant to license by Mastercard International Inc. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc.

All product and company names are trademarks™️ or registered®️ trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them. Any product names, logos, brands, and other trademarks or images featured or referred to within the Neo website are the property of their respective trademark holders.

By using this website, you accept our Terms and Conditions and Privacy Policy. © 2021 Neo Financial.

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