Neo Financial

Everything you need to make your money work smarter.

NEXT-LEVEL CASHBACK
Money goes in. Cashback goes up. Get boosted cashback rates on your purchases as you save in your Neo Everyday account.¹ And earn an average of 5% additional cashback² at thousands of partners with eligible Neo products.

GUARANTEED APPROVAL³
Get a credit card without credit history.

NO MONTHLY FEES
The all-in-one Everyday account with no monthly fees, no minimum balances, and free everyday transactions.

BETTER WAYS TO SAVE
Reach your goals faster and earn 4%⁴ interest.

DIGITAL MORTGAGE
With Neo Mortgage TM, get your best rate, fast turnaround, and expert support.

MONEY MOVES
Pay bills, make deposits, withdraw, and transfer, all from one place.

SAFETY & SECURITY
Stay protected against fraud with Mastercard® Zero Liability protection⁵​​. Keep your deposits secure with Canadian Deposit Insurance Corporation⁶.

SMART DATA
View your spending and cashback at a glance or prompt Neo AI for personalized insights⁷ into your money.

For more information, please visit neofinancial.com.
¹ Cashback earn subject to monthly spend limit. After monthly spend limit is reached, subsequent purchases are not eligible for cashback. Spend limit resets monthly. Minimum Neo Everyday account balance required to earn the highest rate. For more information, visit the Neo website.

² Average based on current offers at select partners. Cashback may be limited and varies by perks, offer, and partner. Cashback, perks, insights, and other offers and rewards are operated by Neo.

³ Conditions apply. Must 1. be the age of majority in your province or territory of residence; 2. be a Canadian resident; 3. provide security funds.

⁴ Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice.

⁵ Certain terms, conditions and exclusions apply. Contact your issuing financial institution for complete coverage terms and conditions.

⁶ The Neo Everyday and Neo High-Interest Savings accounts are provided by Peoples Bank of Canada, a CDIC member institution, and are eligible for CDIC deposit protection. Deposits held in Neo Everyday and Neo High-Interest Savings accounts are combined with eligible deposits held at Peoples Bank of Canada, for up to $100,000 of deposit protection, per category, per depositor. For more information about CDIC deposit insurance, please consult CDIC’s website cdic.ca.

⁷ Neo AI is an educational tool and shouldn't be used as a source of financial advice, answers provided by Neo AI may not always be accurate.

Neo Credit and Neo Secured Credit cards are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.

Mastercard®, World Elite®, and the circles design are registered trademarks of Mastercard International Incorporated.

Neo Mortgage Services Inc. Licenses - Ontario FSRA #13444, British Columbia MB600606, Alberta, Saskatchewan 510903|512351, Manitoba, Newfoundland & Labrador #2207NE1151, New Brunswick, Nova Scotia #20213000380|20223000521, PEI.

All product and company names, logos, brands, and images are trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.