Neo Financial

7.7K reviews
Content rating
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About this app

Everything you need to make your money work smarter.

Earn an average of 5% cashback¹ at thousands of partners with eligible Neo products.

Get a credit card without credit history.

Unlike many other cards, there are no monthly or annual fees³ (excluding World Elite® products offered by Neo).

Reach your goals faster and earn 4%⁴ interest.

With Neo Mortgageᵀᴹ, get your best rate, fast turnaround, and expert support.

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

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

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

For more information, please visit
¹ 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.

² 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.

³ For Quebec: Monthly Statements; No monthly or annual fees; 21-day grace period; Minimum payment is the higher of $10.00 or 5.0% of total statement balance; Purchase rate (19.99%-24.99%) and cash advance rate (22.99%-25.99%). For Cathay World Elite® Mastercard®: There is an annual fee of $180. This product is not available in Quebec.

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 Money™ account is provided by Concentra Bank, a CDIC member institution, and is eligible for CDIC deposit protection. Deposits held in Neo Money™ accounts are combined with eligible deposits held at Concentra Bank, for up to $100,000 of deposit protection, per category, per depositor. For more information about CDIC deposit insurance, please consult CDIC’s website

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 ATB 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.
Updated on
May 13, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info, Financial info and 4 others
This app may collect these data types
Location, Personal info and 5 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

7.47K reviews
Barry W
April 24, 2024
Apparently theres no way to download your transactions, in this app or the website, to a CSV file for example for budget apps. They also don't allow connections to financial aggregators like Monarch to automatically download transactions. Very annoying that I can't budget what I use on this card with my other financial products.
Peter Misko
April 25, 2024
They cancelled my old card when they sent out a new replacement as it was set to expire in a month. Unfortunately could not make purchases on card that expired in a month and still have not received new card. Attempted to make purchase and it was declined. At no point was this communicated to me. I guess NEO does not want me to use their CC so I made my purchase on my bank CC. i will continue to use other CC and will only use NEO CC as a last resort.
J.W. S
April 29, 2024
I'm very happy with my Neo account. I do lots of online shopping and using my Neo card is safer than my other credit cards. On my Neo card I can control how much money is available, so I don't have to worry about being scammed for thousands of dollars. I also like the speed in which my card payments go through. Instant!! Thanks Neo.