Neo Financial

4.3
12.4K reviews
100K+
Downloads
Content rating
Everyone
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About this app

Rethink your money with The Globe & Mail’s Top Growing Company of 2024.


BOOSTED 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.


A WINNING HAND IN YOUR POCKET
Reward your spending with a suite of credit cards that earn Canada’s highest cashback rates.


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


BUILD YOUR CREDIT HISTORY
Neo secured credit cards help you build your credit score3 while earning instant cashback


SAVINGS MADE SIMPLE
Easily track progress and grow your money with our with our High-Interest Savings Account⁴.


NEO MORTGAGE™
Get your best mortgage rate, fast turnaround, and expert support.


CONTROL YOUR OWN MONEY
Pay bills, make deposits, withdraw, and transfer, all from one place.


SAFE & SECURE
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.
Updated on
Apr 25, 2025

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

4.3
12.1K reviews
Nathanael Hiebert
May 8, 2025
Edit: I did NOT cancel my subscription, I noticed it was cancelled after i bought groceries and only got 1% back. I'm also pretty sure that an email or notification would be sent if I cancelled it. Neo cancelled my Premium Perks with no notice or reason. The customer service is pretty bad, all they told me was that I can reactivate it and they don't have access to enable or disable it.
Neo Financial
May 8, 2025
Thank you for sharing this with us, Nathanael—we’re so glad to hear you’ve been enjoying the perk! However, please note that subscribing or unsubscribing is something only you can manage through the app. You’re welcome to re-subscribe anytime, and if the issue persists, we’ll be happy to look into it further with our tech team. We’re here for you!
Abram Lutes
March 31, 2025
applied for basic accounts (personal, HISA) that shouldn't require a credit check. Was denied with no explanation. Only thing I can think of is an issue with my ID docs, but neither the app nor the website gives you the option to re-upload ID docs. There's also no way to delete your account (even though I am not using this service!) and no way to talk to a human if you're having issues. The worst customer service of any bank or financial institution I have ever experienced.
1 person found this review helpful
Neo Financial
April 1, 2025
We’re sorry for the frustration you’ve experienced. We tried reaching you by phone but couldn’t connect, so we’ve sent an email. Please reply with the best time for a call, and we’ll be happy to assist you further. Thank you for your patience and feedback as we work to resolve this issue!
Les Mazacs
February 25, 2025
My Neo card was a secured credit card with only $200 on it, yet I was still charged fees for not using it for a while, and then they started charging me a monthly fee after I started using it more often, even though I would pay it off each month. I had no choice but to cancel the card. I don't want to be charged fees for using the card or not using the card, even though I paid it off before any interest was due. The available balance was my money to begin with! I feel like I was being scammed!
3 people found this review helpful
Neo Financial
February 25, 2025
Hi Les Mazacs, we couldn’t find your account based on your username, but we’d love to connect with you to clarify things. Please send us a direct message, and our team will reach out to assist you further. We're here to help!