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Business Systems Analyst 
Submitted resume
Calgary, AB · Reposted 2 weeks ago

On-site
Full-time
No longer accepting applications
Job activity
Application submitted
1 week ago
About the job
Come Build a Better Financial Future for all Canadians 

At Neo, we're building a more rewarding financial experience for all Canadians.

Life at a rapidly expanding tech startup is demanding, exhilarating, and not for everyone.

From world-class creative minds to brilliant engineers, it's high-performing people that make Neo a workplace with passion and purpose.

Since being founded in 2019, Neo has built incredible traction and is one of the fastest growing fintechs in Canada.

LinkedIn's Top Startup in Canada for 2022 and 2023
Top-ranked mobile apps and credit cards
Canada's top-rated credit card
Team of 700+ people
1M+ customers in 3 years 
11K+ retail partners


High Performance at Neo

We recruit, hire, and build our company culture around these attributes:

Teamwork: We trust, respect, encourage, and show up for each other — through good times and hard. We're on this mission not just for ourselves, but also for the people we work with — and ultimately, for our customers.

Ownership: We all have a stake in Neo's success — so we go out of our way to do what needs to get done. We hold ourselves accountable to deliver on our commitments — to our customers, to our partners, and to our team. When we fall short, we find a way to do better in the future.

Professional Integrity: We're asking millions of Canadians to trust us with their hard-earned money — so we hold ourselves (and each other) to the highest standards of integrity.

The Role:

Neo Financial is looking for a full-time Business Systems Analyst to join our Infrastructure Team in Calgary, AB. This would be an excellent role for a business analyst or software developer looking to move into Business Analysis or Technical Product Management. The team is made up of highly innovative visionaries who stop at nothing to develop cutting-edge tech. Make your mark with transformative tech, alongside some of Canada's most successful developers.

What you'll be doing:

Lead the charge in creating our prioritized Infrastructure roadmap and backlog, making sure we always know what's coming next to meet our business objectives
Write effective user stories by gathering and articulating complex requirements
Develop a deep understanding of the product stack from technical, operations, business and finance perspectives, and use the understanding to bring high-impact opportunities to the platform product roadmap
Analyze build vs buy options. Collaborate with vendors (often owning and driving the relationship) and partners to develop integration and deployment plans
Bring stakeholders together to ensure that non-functional requirements (scalability, security, reliability) are being met now and in the future
Participate in sprint ceremonies to make sure the team knows what they're doing and why
Analyze data, troubleshoot problems, build documents and participate in quality assurance to ensure the success of our Infrastructure
Work in the trenches with software developers to ensure we're building the right things to a high standard


Who we're looking for:

A minimum of 3 years of experience working with technical products where you translated company strategy and company priorities into actionable roadmaps. 
Role open to experienced development leads or development managers who have already played the product-manager role on technical or B2B projects
Prior start-up or product experience, business analyst, management consulting, or engineering background
Being a high achiever, willing to roll up your sleeves to learn about the financial domain, able to share a nuanced opinion on what makes a platform great
Capable of executing high-value projects with multiple stakeholders, while dealing with competing priorities
Taking ownership over your work and outcomes and passionate about building world-class products with a world-class team


Working at Neo

Joining Neo means betting on yourself and discovering your full potential. As individuals and as a team, we continually challenge ourselves and each other to do our best work. We're making change happen at a rapid pace — providing endless opportunities to sharpen your skills, expand your knowledge, and find new solutions to complex problems. That means rapid career progression and constant learning opportunities.

The people who thrive at Neo are resourceful, relentless, and want to win. We hold ourselves to high standards, because we're on a mission that matters — to transform financial services for the better. If that's what you're looking for, read on.

We trust, respect, and show up for each other. That means truthful conversations, frequent feedback, and working with people who push you to be your best. We're evolving quickly as an organization, we work together in person, and the pace of progress isn't for everyone. That's why we're looking for change-makers who love a challenge — who would rather blaze a trail through uncertainty than travel a well-paved road.

Our team members earn meaningful equity in the company through stock options — so Neo's growth benefits everyone who helps make it happen. That also means taking on more responsibility than you may have had at your last job. We don't get hung up on job titles or hierarchy — we're focused on doing what it takes to accomplish our mission.

Check out these videos from our employees to learn more about Working at Neo.

Apply with Us 

We believe in equal opportunity, and are committed to creating an inclusive climate where everyone can thrive. Customers trust us with their finances, so successful candidates for this position will be required to undergo a security screening, including a criminal records check and a credit check.
 
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Get rewarded with up to 5% cashback on your everyday spending.¹
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The Neo Everyday and Neo High-Interest Savings accounts are provided by Peoples Bank of Canada, and are eligible for CDIC deposit protection.³
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Have peace of mind knowing you won’t be held responsible for unauthorized transactions.⁴
Blurred person holding bag with groceriesPerson holding bag with groceries
Put your cashback on turbo
Visit any of our 10,000 partners and earn an additional average of 5% cashback on top of your everyday cashback.²
Hudsons Bay
Pet Valu
Harry Rosen
Best Western Hotels & Resorts
Mr. Lube
Roots
Pandora
Structube
David's Tea
Boston Pizza
Shell
Public Mobile
Freshii
Mucho Burrito
Earning the trust of Canadians every day
1.3M+
Customers
$31.4M
Cashback awarded to date
4.8 ★
On the App Store®
4.7 ★
On the Google Play Store®
Awards/Accolades
The World's Top 250 Fintech Companies 2024
Canada's Top Startup 2023
Neo Financial
You'll be happy here
“Neo makes money easy, I love the app interface, how easy it is to manage and understand your finances, and finding new local businesses with cashback!”

Oliver M.

British Columbia

“I love the rewards, it makes it easy to justify purchases when you consider the cashback. The app is super functional and it’s great having everything stored in one place.”

Mackenzie L.

Alberta

Start making the most of your money by moving it over to Neo
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¹ Eligible cashback spend cap for all other purchases is $3,330 per month. After monthly spend caps are reached, subsequent purchases earn 1% cashback. Caps are reset monthly. Maximum cashback percentages listed are with a balance of $10,000 in your Neo Everyday account.
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 The Neo Everyday account is provided by Peoples Bank of Canada, a CDIC member institution, and is eligible for CDIC deposit protection. Deposits held in Neo Everyday 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.
⁴ Certain terms, conditions and exclusions apply. Contact your issuing financial institution for complete coverage terms and conditions.
* 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 app.
Products
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World Elite
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Cathay World Elite® Mastercard®
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High Interest
JA Money Card
Rates
Invest
Managed
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AI Insights
Credit Score Monitoring
Balance Protection
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The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
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
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.
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.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.
By using this website, you accept our Terms and Conditions and Privacy Policy © Neo Financial 2024
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Do more. Get more.
With innovative credit cards that reward you for healthy balances in your Everyday account.
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Neo Credit
What did you earn today?
Give yourself a better answer with a suite of cards designed to work together.


Calculate your cashback
Adjust your desired Neo Everyday account balance and enter your monthly spend in each of the three categories to calculate your potential cashback.
Neo Money™ Card
Neo Mastercard®
Neo World Elite® Mastercard
Move the slider to explore how Everyday account balance affects rewards.
Learn more
$0
$1k
$3k
$5k
$10k
Gas
1.75%
Turn your essential spending into cashback no matter where you fill up.

$200

Groceries
1.75%
Turn your essential spending into cashback no matter where you shop for groceries.

$200

Everything else
0.50%
Get cashback on every purchase when you pay with your card.

$700

Your monthly cashback
$10.50
Low credit score? No problem.
Neo offers secured credit cards that reward too.
Build credit history¹
Guaranteed approval²
No credit check³
Earn the same cashback rewards as standard credit
International IDs accepted
Learn More
Neo Secured Credit
See how we stack up
Neo offers the most bang for every buck spent.⁴
Sign Up
Card	Estimated Everyday cashback value (annual)	Partner network cashback value (annual)	Total cashback value (annual)
Neo World Elite® Mastercard	$1,160	+$53	$1,213
BMO CashBack World Elite® Mastercard	$808	$0	$808
Scotia Momentum Visa Infinite	$712	$0	$712
TD Cashback Visa Infinite	$670	$0	$670
Neo Credit
Why cashback?
Instant reward
No guessing about points value
Spend it how you want
Simple and transparent
Why cashback?
Earning the trust of Canadians every day
1.3M+
Customers
31.4M
Cashback awarded to date
4.8
On the App Store®
4.7
On the Google Play Store®
Awards/Accolades
The World’s Top 250 Fintech Companies 2024
Canada’s Top Startup 2023
Start putting more money in your pocket with products that work together
Sign Up
¹ When you make payments in full and on time each month.
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 No credit check for the Secured card only. Excluding Quebec residents.
⁴ Based on annual spend of $41,800 and a comparison of the non-promotional gas and grocery earn rates on cashback credit cards as of July 17, 2024. Research excludes welcome offers. Numbers rounded for simplicity. Minimum balance required in your Neo Everyday account to earn the highest rate. For more information, visit the Neo App. The Neo RewardsTM Program, including cashback, is operated by Neo.
The Neo Everyday account is provided by Peoples Bank of Canada.
Neo World Elite® Mastercard is issued by Neo Financial™ pursuant to licence by Mastercard International Incorporated.
Mastercard, World Elite, and the circles design are registered trademarks of Mastercard International Incorporated.
* 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 app.
Products
Credit
Standard Credit
World Elite
Hudson's Bay Mastercard
Cathay World Elite® Mastercard®
Money
Everyday Account
High Interest
JA Money Card
Rates
Invest
Managed
Goals
Mortgage
Features
Secured Credit
AI Insights
Credit Score Monitoring
Balance Protection
Plans
Perks
Travel
Mind and Body
Food and Drink
Mobile and Personal Protection
Premium
Compare Plans
Learn
Podcasts
Blog
Knowledge Hub
Company
About
AI Adoption
News
Ambassadors
Careers
Support
Help Centre
View your credit card statement
Activate your physical card
Change your personal account information
Reset your Neo account password
Check your application status
Report a transaction issue
Contact
https://apps.apple.com/ca/app/neo-financial/id1495268044
https://play.google.com/store/apps/details?id=com.neofinancial.neo

English
Legal
Terms & Conditions
Privacy Policy
The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
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
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.
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.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.
By using this website, you accept our Terms and Conditions and Privacy Policy © Neo Financial 2024
Personal
Partners
Youth <18
English
Français
Products
Features
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Learn
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Log In
Get Started

NEO MASTERCARD®
Make each transaction a triumph
Earn cashback on everything.
Apply Now
Neo Mastercard
Neo Mastercard® gives you the upper hand on rising costs by earning cashback rates that climb higher as you grow a healthy Everyday account balance
Up to $680 in annual cashback¹
No annual fee
Up to $10k credit limit
Cashback network boosts

Calculate your cashback
Adjust your desired Neo Everyday account balance and enter your monthly spend in each of the three categories to calculate your potential cashback.
Neo Money™ Card
Neo Mastercard®
Neo World Elite® Mastercard
Move the slider to explore how Everyday account balance affects rewards.
Learn more
$0
$1k
$3k
$5k
$10k
Gas
2.00%
Turn your essential spending into cashback no matter where you fill up.

$200

Groceries
2.00%
Turn your essential spending into cashback no matter where you shop for groceries.

$200

Everything else
0.50%
Get cashback on every purchase when you pay with your card.

$700

Your monthly cashback
$11.50
Neo Mastercard
Put your cashback on turbo
Visit any of our 10,000 partners and earn an additional average of 5% cashback on top of your everyday cashback.²
Hudsons Bay
Pet Valu
Harry Rosen
Best Western Hotels & Resorts
Mr. Lube
Roots
Pandora
Structube
David's Tea
Boston Pizza
Shell
Public Mobile
Freshii
Mucho Burrito
See how we stack up
Neo offers the most bang for every buck spent.³
Apply Now
Card	Total cashback
Neo Mastercard	$366/yr
Simplii Cashback Visa	$156
Scotia Momentum Mastercard®	$129
BMO Cash Back Mastercard	$177
The cashback advantage
Instant. Earn it in real-time, instead of monthly.
Retains value. Points are often devalued. Cash is cash.
Ultimate flexibility. Save or spend it on anything you want.
Simple and transparent. No booking windows, portals, or branches.
The cashback advantage
Spend wisely with the credit card that gives more back to you.
Apply Now
Protect your credit balance from the unexpected
Balance Protection is optional coverage that can help cover the minimum monthly payments of your outstanding credit card balance during tough times. Peace of mind starts from $1.39* per $100 of your average daily balance.
Learn More
Protect your credit balance from the unexpected
Got questions?
We’ve got answers.
Who can get a Neo Mastercard®?
What is the cashback amount and how do rewards work?
How can I redeem my cashback rewards?
How do I track my cashback rewards?
Do all purchases qualify for cashback rewards?
Can I have more than one cashback credit card?
What is the Purchase Credit Rate / APR?
Do I have to pay fees?
What credit limits are available?
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 App. The Neo Rewards™ Program, including cashback, is operated by Neo.
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 Based on annual spend of $19,800 and a comparison of the non-promotional gas and grocery earn rates on cashback credit cards as of July 17, 2024. Research excludes welcome offers. Numbers rounded for simplicity. Minimum balance required in your Neo Everyday account to earn the highest rate. For more information, visit the Neo App. The Neo Rewards™ Program, including cashback, is operated by Neo.
The Neo Everyday account is provided by Peoples Bank of Canada.
Neo Mastercard® and Neo Secured Mastercard® are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
* 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 app.
Products
Credit
Standard Credit
World Elite
Hudson's Bay Mastercard
Cathay World Elite® Mastercard®
Money
Everyday Account
High Interest
JA Money Card
Rates
Invest
Managed
Goals
Mortgage
Features
Secured Credit
AI Insights
Credit Score Monitoring
Balance Protection
Plans
Perks
Travel
Mind and Body
Food and Drink
Mobile and Personal Protection
Premium
Compare Plans
Learn
Podcasts
Blog
Knowledge Hub
Company
About
AI Adoption
News
Ambassadors
Careers
Support
Help Centre
View your credit card statement
Activate your physical card
Change your personal account information
Reset your Neo account password
Check your application status
Report a transaction issue
Contact
https://apps.apple.com/ca/app/neo-financial/id1495268044
https://play.google.com/store/apps/details?id=com.neofinancial.neo

English
Legal
Terms & Conditions
Privacy Policy
The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
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
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.
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.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.
By using this website, you accept our Terms and Conditions and Privacy Policy © Neo Financial 2024
We value your privacy
Hi there! We use cookies to enable essential website functionality, collect data, and customize your experience while keeping you safe. You can personalize your cookies to accept or reject the use of non-essential cookies.


Personalize your cookies
Accept all

Personal
Partners
Youth <18
English
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Get Started
NEO WORLD ELITE® MASTERCARD
Coming soon: An elite world of cashback
Get rewarded with real money instead of points.
Join the waitlist
NEO WORLD ELITE® MASTERCARD
Neo World Elite® Mastercard delivers premium benefits and extraordinary cashback that grows with healthy balances in your Everyday account
5% cashback on groceries & 3% on gas¹
4% cashback on recurring and 1% on everything else¹
Mastercard World Elite® Travel benefits²
Comprehensive Insurance³

Cashback rates that start high and get even higher
Neo Money™ Card
Neo Mastercard®
Neo World Elite® Mastercard
Move the slider to explore how Everyday account balance affects rewards.
Learn more
$0
$1k
$3k
$5k
$10k
Gas
3.00%
Turn your essential spending into cashback no matter where you fill up.

$200

Groceries
5.00%
Turn your essential spending into cashback no matter where you shop for groceries.

$200

Everything else
1.00%
Get cashback on every purchase when you pay with your card.

$700

Your monthly cashback
$23.00
Neo World Elite
Put your cashback on turbo
Visit any of our 10,000 partners and earn an additional average of 5% cashback on top of your everyday cashback.²
Hudsons Bay
Pet Valu
Harry Rosen
Best Western Hotels & Resorts
Mr. Lube
Roots
Pandora
Structube
David's Tea
Boston Pizza
Shell
Public Mobile
Freshii
Mucho Burrito
The math is clear. Neo wins.
Neo’s cashback rewards reign supreme over other premium cards.⁵
Join the waitlist
Card	Estimated Everyday cashback value (annual)	Partner network cashback value (annual)	Total cashback value (annual)
Neo World Elite® Mastercard	$1,160	+$53	$1,213
BMO CashBack World Elite® Mastercard	$808	$0	$808
Scotia Momentum Visa Infinite	$712	$0	$712
TD Cashback Visa Infinite	$670	$0	$670
The cashback advantage
Instant. Earn it in real-time, instead of monthly.
Just pay. No frustrating booking portals or blackout dates.
Ultimate flexibility. Save or spend it on anything you want.
Retains value. Points are often devalued. Cash is cash.
Earn when you burn. Use your cashback to pay for a purchase and earn more on top.
The cashback advantage
Additional card benefits
Extended Warranty & Purchase Protection.
Extends manufacturer’s warranty and provides protection for damaged or stolen items.³
Auto Rental Collision Loss Damage
Coverage for damages or theft in rental vehicles, providing additional financial protection for renters.³
Comprehensive Travel Insurances
Out of province or country emergency medical, delayed and lost baggage, flight delay, trip cancellation/interruption, and more!³
Annual Fee
$149
Purchase Interest
19.99% - 26.99%
Cash Advance Interest
22.99% - 28.99%
Start earning elite levels of cashback with products that work together.
Join the waitlist
Got questions?
We’ve got answers.
How do I know if I am eligible for the Neo World Elite® Mastercard?
What is the credit limit?
Do I have to pay fees?
How do cashback rewards work?
What is the cashback amount and how do rewards work?
If I already have a Neo Credit card, can I still get a Neo World Elite® Mastercard?
Does Neo World Elite® offer supplemental cards?
What’s the purchase rate and APR?
¹ Eligible cashback spend cap for all other purchases is $3,330 per month. After monthly spend caps are reached, subsequent purchases earn 1% cashback. Caps are reset monthly. Maximum cashback percentages listed are with a balance of $10,000 in your Neo Everyday account.
² Certain terms, conditions and exclusions apply. For more information, please refer to your benefits guide or contact Neo Financial™..
³ This insurance coverage is underwritten by Chubb Insurance Company of Canada under a Group Policy issued to Neo Financial Technologies Inc. All coverage is subject to the terms, conditions, limitations and exclusions outlined in each Certificate of Insurance, and for Quebec residents, each Product Summary. Neo, its employees and representatives are not agents of Chubb, nor can they waive or change any terms of the insurance coverage. View the full list of insurance certificates here: https://www.neofinancial.com/legal/plans
⁴Average based on current offers at select partners. Cashback may be limited and varies by perks, offer, and partner. See the Neo Rewards™ Policy for additional terms and conditions. The Neo Rewards™ Program is operated by Neo.
⁵ Based on annual spend of $41,800 and a comparison of the non-promotional gas and grocery earn rates on cashback credit cards as of July 17, 2024. Research excludes welcome offers. Numbers rounded for simplicity. Minimum balance required in your Neo Everyday account to earn the highest rate. For more information, visit the Neo App. The Neo RewardsTM Program, including cashback, is operated by Neo.
The Neo Everyday account is provided by Peoples Bank of Canada.
Neo World Elite® Mastercard is 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.
Products
Credit
Standard Credit
World Elite
Hudson's Bay Mastercard
Cathay World Elite® Mastercard®
Money
Everyday Account
High Interest
JA Money Card
Rates
Invest
Managed
Goals
Mortgage
Features
Secured Credit
AI Insights
Credit Score Monitoring
Balance Protection
Plans
Perks
Travel
Mind and Body
Food and Drink
Mobile and Personal Protection
Premium
Compare Plans
Learn
Podcasts
Blog
Knowledge Hub
Company
About
AI Adoption
News
Ambassadors
Careers
Support
Help Centre
View your credit card statement
Activate your physical card
Change your personal account information
Reset your Neo account password
Check your application status
Report a transaction issue
Contact
https://apps.apple.com/ca/app/neo-financial/id1495268044
https://play.google.com/store/apps/details?id=com.neofinancial.neo

English
Legal
Terms & Conditions
Privacy Policy
The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
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
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.
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.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.
By using this website, you accept our Terms and Conditions and Privacy Policy © Neo Financial 2024
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Meet the new Hudson’s Bay Mastercard®—powered by Neo. Apply now →




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Hudson's Bay
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Meet the new Hudson’s Bay Mastercard®—powered by Neo
Apply now to get up to 20% off on first-day purchases¹, collect double the Hudson's Bay Rewards points² at Hudson's Bay stores³ and thebay.com, plus earn Rewards points everywhere else you shop and an average of 2% cashback⁴ at thousands Neo partners nationwide.
Apply now →
 You’ll be taken to a secure website to complete your application.

Designed to shop anywhere.
Apply in minutes and start using your virtual card ? right away to shop online at thebay.com and everywhere else.
Apply now →
(?) This is a digital representation of your credit card. You can use it to pay in-store and online before you activate your physical card. To access your card details, tap the 'eye' icon in the app. To make contactless payments with Apple Pay or Google Pay, add your card to your digital wallet.
Find out more

Protect your credit balance from the unexpected
Balance Protection is optional coverage that can help cover the minimum monthly payments of your outstanding credit card balance during tough times. Peace of mind starts from $1.39* per $100 of your average daily balance.
Learn More →
Slide 2 of 2.Slide 2 of 3.
How to apply
There are 3 easy ways to apply for the Hudson's Bay Mastercard—powered by Neo:

In-store
Visit any Hudson’s Bay location and an associate will be happy to help.

Mobile app
Download the Neo app on your Apple or Android smartphone.

Online
Apply on our web portal with your desktop or mobile phone.
All three ways offer a safe and secure method to validate your identity and take just minutes to complete.

A card with major style points
Collect double the Rewards points² at Hudson's Bay stores³ and thebay.com, plus earn Rewards points everywhere else you shop.

Double the Rewards points at Hudson’s Bay
Use your Hudson’s Bay Mastercard in store and at thebay.com and get double the Rewards points—up to 4 Rewards points on almost every $1 you spend.2

Earn Rewards points everywhere
Earn 2 Rewards points on almost every $1 you spend outside of Hudson’s Bay stores.3

Redeem your Rewards points anytime
Your Hudson’s Bay Rewards points2 can be redeemed instantly at Hudson’s Bay stores³ and thebay.com.

Forget the fees
No annual5 fees. Earn even more through member-only exclusive offers, events and specials throughout the year.


There’s more with Neo
The benefits of being a Hudson’s Bay Mastercard holder go beyond the Rewards points.

Everyday cashback at Neo partners
Earn an average of 2% cashback4 at thousands of local and national Neo Financial™ partners and businesses, including most major gas and grocery stores, restaurants, gyms, coffee shops, and more.

Create your ultimate rewards card
Access boosted cashback, insurance coverage, and other exclusive perks by adding reward perks⁶ for gas & groceries, travel, wellness, and more to your card.

All-digital experience
Manage your card right from the Neo app, freeze or replace your card, get proactive alerts and notifications in real time, and more. In addition to your physical card, you can add your card to Apple Pay or Google Pay™ to make contactless payments with your smartphone. 


How we compare
Hudson’s Bay Mastercard
Other Retailer cards⁷
Annual Fee
$0
$0
At retailer points value
1-2% cash equivalent
1.25-2.5% cash equivalent
Everyday spend points value
1% cash equivalent
1% cash equivalent
Cashback rewards
Avg. 2%⁴ at partners
None
Overlimit fee
$29§
$25-29
Inactive fee
$0
$10-25
Purchase Credit Rate / APR
19.99% - 29.99%*
19.89% - 25.99%
Cash Advance Rate / APR
22.99% - 31.99%*
21.49% - 27.99%
* The standard rate on purchases and cash advances is dependent on our assessment of your credit application, credit profile, and your province. See your Cardholder Disclosure at time of application for your specific rate.
§ Overlimit fee is not applicable in Quebec.

FAQ
Can I apply for the new Hudson’s Bay Mastercard-powered by Neo if I am not a Hudson’s Bay Rewards member?



Who is Neo Financial?



Need Help? Visit Neo Support.


thebay.comneofinancial.comContact Hudson's Bay  Français
1 Terms and Conditions apply. Visit https://www.thebay.com/content/instant-credit-offer for details. On approved credit. Only available to applicants of the new Hudson's Bay Mastercard–powered by Neo. Some exclusions apply (see details). A 20% off offer is valid on eligible first day purchases with your Hudson's Bay Mastercard at Hudson's Bay stores and thebay.com. Cannot be combined with any other offer(s). This offer is only valid for customers applying online or in participating stores. In-store offers may vary.
2 The terms and conditions of the Hudson’s Bay Rewards program apply to this offer. Visit thebay.com/rewards for more information. Hudson’s Bay and related trademarks and designs are trademarks owned by Hudson’s Bay Company. All marks used under license.
3 Hudson's Bay Company stores include Hudson's Bay, thebay.com and their licenses within the stores. Hudson's Bay, Hudson's Bay Rewards, Hudson's Bay Credit, hbc.com, thebay.com and their associated designs are trademarks of the Hudson's Bay Company.
4 Quebec only: 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%).
5 Average based on current offers at select partners. Cashback varies by perks, offer and partner.
6 Cashback and other offers and rewards are operated by Neo.
7 Based on research comparing no-fee retail co-brand credit cards operating in Canada (Nordstrom Rewards Visa, Amazon.ca Rewards Mastercard, and Walmart Rewards Mastercard), excluding promotional periods or waived fees. Research conducted by Neo Financial and based on data taken from public websites as at February 18, 2021.
8 The variable monthly premium is based on the statement amount owed at the end of the billing cycle and is calculated based on the average daily balance for every $100 in posted transactions throughout the billing cycle. The insurance premium rate is calculated as $1,39 per $100 average daily balance over the insured period.
Bonus cashback only available to new applicants of the Hudson's Bay Mastercard—powered by Neo at participating locations. Earn bonus cashback up to a maximum of $100 CA over 90 days from the date of sign-up. Cashback may be limited and varies by perks, offer, and partner. Cashback, perks, insights, bill split, and other offers and rewards are operated by Neo.
The Hudson’s Bay Mastercard is issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.

Apple Pay is a trademark of Apple inc.

Google Pay is a trademark of Google LLC.
By using this website, you accept our Terms and Conditions and Privacy Policy . © 2024 , Neo Financial.

Help


Legal Disclaimers
The Cathay World Elite® Mastercard® is issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. 

The Cathay World Elite® Mastercard® is not available in Quebec.  

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

¹ Conditions apply. One-time offer for new customers and expires on Dec 31, 2024. Must 1. be the age of majority in your province or territory of residence; 2. be a Canadian resident; 3. Have a personal income of $80,000 CAD or a household income of $150,000 CAD; and 4. for secured cards only, provide security funds. Initial 7,000 Asia Miles are issued once the card is activated. To earn additional 20,000 Asia Miles minimum spend of $5,000 net of refunds must be completed within 3 months from application start date. Additional Asia Miles are issued 6-8 weeks after the qualifying spend period. Asia Miles may be limited and vary by perks, offer, and partner. Offer is subject to the Asia Miles terms and conditions. Neo Financial™ and Cathay reserve the right to amend or withdraw this offer at any time.

² Limited time offer. Terms and conditions apply. See join.neo.cc/cathay10 for details. 

³ You will earn 2 Asia Miles for every 1 CAD when you use your Cathay World Elite® Mastercard® on purchases made in foreign currencies. Asia Miles will be credited directly to your Asia Miles account within 3 days after purchase. Asia Miles may be limited and vary by perks, offer, and partner. Offer is subject to the Asia Miles terms and conditions. Neo Financial™ and Cathay reserve the right to amend or withdraw this offer at any time. 

⁴ You will earn 1 additional Asia Mile for every 1 CAD (for a total of 2 Asia Miles for every 1 CAD) when you use your Cathay World Elite® Mastercard® to purchase Cathay Pacific tickets online at cathaypacific.com/ca. The Double Asia Miles offer applies to the amount charged to your credit card in Canadian dollars only, not to Asia Miles redeemed for award redemption bookings. Additional Asia Miles will be credited directly to your Asia Miles account within 3 days of ticket issuance. To benefit from this offer, you must be a member of the travelling party on the same booking and must log in using your own Cathay membership number. Additional Asia Miles are issues after qualifying spending period. Asia Miles may be limited and vary by perks, offer, and partner. Offer is subject to the Asia Miles terms and conditions. Neo Financial™ and Cathay reserve the right to amend or withdraw this offer at any time. 

⁵ Average based on current offers at select partners. Value increase is an average and depends on card use. Asia Miles may be limited and vary by perks, offer, and partner. Offer is subject to the Asia Miles terms and conditions. Neo Financial™ and Cathay reserve the right to amend or withdraw this offer at any time.  

⁶ You will earn 1 Asia Mile for every 1 CAD when you use your Cathay World Elite® Mastercard® on purchases in Canada. Asia Miles will be credited directly to your Asia Miles account within 3 days after purchase. Asia Miles may be limited and vary by perks, offer, and partner. Offer is subject to the Asia Miles terms and conditions. Neo Financial™ and Cathay reserve the right to amend or withdraw this offer at any time. 

⁷ Offer is subject to the Asia Miles terms and conditions. Certain terms and conditions may apply, for full details please visit here.

⁸ This insurance coverage is underwritten by Chubb Insurance Company of Canada under a Group Policy issued to Neo Financial Technologies Inc. All coverage is subject to the terms, conditions, limitations and exclusions outlined in the Certificate of Insurance, and for Quebec residents the Summary and Fact Sheet. Neo, its employees and representatives are not agents of Chubb, nor can they waive or change any terms of the insurance coverage. View the full list of insurance certificates here: https://www.neofinancial.com/legal/plans 

⁹ Certain terms, conditions and exclusions apply. For full details, please visit: https://mastercardtravelpass.dragonpass.com/terms-and-conditions  

¹⁰ Certain terms, conditions and exclusions apply. Contact your issuing financial institution for complete coverage terms and conditions. 

¹¹ Certain terms, conditions and exclusions apply. For more information, please refer to your benefits guide or contact Neo Financial™.  

¹³ When you make payments in full and on time each month.  

¹⁴ 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. 

¹⁵ The Purchase Credit Rate on the Cathay World Elite® Mastercard® is (19.99%-26.99%) and the Cash Advance Rate is (22.99%-28.99%).The standard rate on Purchases and Cash Advances is dependent on our assessment of your credit application, credit profile, and your province. See your Cardholder Disclosure at time of application for your specific rate. 

Limited-time offer. This offer is only valid for new Neo customers. Limit of one offer per customer, this offer cannot be combined with other promotional codes. Offer is subject to the Neo Rewards Policy and may be amended or cancelled at any time without notice. Third party terms and conditions may apply.

Earn or redeem Asia Miles at least once every 18 months to keep them active. Asia Miles may be limited and vary by perks, offer, and partner. Offer is subject to the Asia Miles terms and conditions. 

Insights are operated by Neo. 

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. © Neo Financial 2024 



Ready to create memories in Hong Kong and beyond? Here’s everything you need to know.

Get the Cathay World Elite® Mastercard®

Experience the best of an everyday rewards card combined with exclusive account features and travel benefits.




Secure your welcome offer today
Apply Now
One card for everyday rewards, exclusive features, and travel benefits
Earn Asia Miles on everyday spend
For every $1 spent on the Cathay World Elite® Mastercard®, you will get:



Get up to 27,000 Asia Miles¹ and 10% off flights²
Earn Asia Miles on everything




Get approved in minutes

Unlock exclusive  World Elite® benefits

Limited-time offer. Apply in minutes, use your virtual card instantly.

Cathay World Elite® Mastercard® – powered by Neo


Apply Now

Get up to 27,000¹ Asia Miles, and 10% off² Cathay Pacific flights with discount code CXNEO10OFF when paying with your Cathay World Elite® Mastercard®. 

Frequently Asked Questions
What happens to my existing Cathay credit card?
The new Cathay World Elite Mastercard – powered by Neo is replacing the existing card program in Canada. All existing cardholders will be required to re-apply for the new Cathay World Elite Mastercard. 


2x


2x

Asia Miles

for every $1 spent on purchases made in foreign currencies3.

Asia Miles

on Cathay Pacific flights4.


5x

Asia Miles

at thousands of Neo partners nationwide5.


1x

Asia Miles

on purchases in Canada6.


Travel Benefits
Get exclusive membership perks: Online priority check-in, extra baggage redemption, and Cathay Pacific Business class lounge redemption access7


Travel worry-free with coverage for emergencies, cancellations, lost luggage, and more8


Access 1,300+ global airport lounges9


Book professional and punctual airport transportation through Mastercard Airport Transfer 


Bypass security lines with Mastercard Airport Security Fast Track


World Elite Benefits

Get Extended Warranty & Purchase Protection8 for card security abroad


Secure yourself from unauthorized charges on your card with Mastercard Zero Liability10


Earn cashback while travelling with Mastercard Travel Rewards11


Enhance your trips with 2,000+ priceless.com experiences

Neo Features

Earn Asia Miles at Neo partners nationwide


Pay with your virtual card through Apple Pay or Google Pay


Freeze and unfreeze your card anytime, anywhere


Monitor your finances with real-time spend Insights


Never forget to pay the minimum, or the balance, with Auto-Pay

No credit? Earn Asia Miles with a secured credit option


Build credit history13 and earn Asia Miles


Guaranteed approval14 with no credit history required


Earn up to 27,000 Asia Miles1 when you sign up


Individuals must make a minimum of $80,000 per year, and households must earn at least $150,000 annually to qualify

Apply Now

Apply Now

Apply Now

Apply NowApply Now




Purchase Rate

19.99% - 26.99%15

Cash Advance Rate

22.99% - 28.99%15

Annual Fee

$180

Minimum Annual Income

$80,000 (individual)

$150,000 (household)

Will this impact my Asia Miles or Cathay Status Points balance?
No, there will be no changes to your current Asia Miles and Cathay Status Points balance. You can continue to earn and redeem points as usual. You’ll be able to link your existing Cathay account to the new Cathay World Elite Mastercard. 

When can I apply for the card?
Applications for the Cathay World Elite Mastercard are now open. Apply today. 

What makes secured credit different from other traditional credit cards?
The secured Cathay World Elite Mastercard may help you build your credit¹² while earning cashback rewards. Unlike traditional credit cards, we won’t check your credit history, and you’re guaranteed approval¹³. You can use the secured Cathay World Elite Mastercard just like you would any other traditional credit card, anywhere Mastercard® is accepted. 

Who is Neo FinancialTM?
Neo Financial™ is a financial services company that’s helping Canadians build a better financial future with spending, savings, and rewards. Learn more at neofinancial.com. 






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Neo Money™ card
Accounts designed to make you money
Get more out of every dollar with Everyday accounts that reward you for healthy balances.
Neo Money™ card
What did you earn today?
Give yourself a better answer with accounts designed to work together.

The Everyday account and card that makes chequing and debit obsolete
Earn up to 3% back on gas and groceries and up to 1% on everything else as your deposit balance increases¹
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Access your account with a Neo Money™ card, no card loading required
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Smart Solutions for you with your Neo Everyday account
Neo High-Interest Savings account
Personalize your savings goals, track your progress, and watch your money grow with a 4% high-interest rate.²
No minimum balance, and no monthly fees
Set goals with personalized names and icons
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Multiple goals? Open up to 10 accounts
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Neo High-Interest Savings account
Manage all your money, all in one place
Effortless budgeting
Take the hassle out of budgeting and easily see where your money is going with real-time data visualizations and the ability to review your transaction history.
Real-time notifications
Get instantly notified when money goes in or out of your account, and freeze and unfreeze your card with a tap.
Track your finances
View your transactions, track transfers and bill payments, and view your cashback, all in one place.
Level-up your financial knowledge
Learn more about your money, more easily than ever before. Ask Neo AI financial questions to boost your understanding and confidence in personal money matters.³
Send and move money
Send and request funds via INTERAC e-Transfer®, move your money between Neo products seamlessly. Link your external bank account to transfer larger amounts, faster.
Neo Money™ card
Earning the trust of Canadians every day
1.3M+
Customers
31.4M
Cashback awarded to date
4.8 ★
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Awards/Accolades
The World's Top 250 Fintech Companies 2024
Canada's Top Startup 2023
Start earning what you deserve
Make the most of your money by moving it over to Neo.

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¹ Cashback is earned on eligible purchases. Cashback earn subject to monthly maximum spend threshold. Cashback may be limited and varies by perks, offer, and partner. Minimum balance is required to earn the highest rate. For more information, visit the Neo app.
² Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice.
³ 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.
Interac e-Transfer is a registered trademark of Interac Corp. Used under license.
The Neo High-Interest Savings account and the Neo Everyday account are provided by Peoples Bank of Canada.
The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
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Privacy Policy
The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
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
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.
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.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.
By using this website, you accept our Terms and Conditions and Privacy Policy © Neo Financial 2024
We value your privacy
Hi there! We use cookies to enable essential website functionality, collect data, and customize your experience while keeping you safe. You can personalize your cookies to accept or reject the use of non-essential cookies.


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NEO EVERYDAY ACCOUNT
Get more from your money
Like a chequing account, but with cashback. Earn more as you increase your balance.
Switch now
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Say hello to more
No monthly fees
No minimum balance required
Free everyday transactions
Earn cashback without a credit card

Calculate your cashback
Adjust your desired Neo Everyday account balance and enter your monthly spend in each of the three categories to calculate your potential cashback.
Neo Money™ Card
Neo Mastercard®
Neo World Elite® Mastercard
Move the slider to explore how Everyday account balance affects rewards.
Learn more
$0
$1k
$3k
$5k
$10k
Gas
1.75%
Turn your essential spending into cashback no matter where you fill up.

$200

Groceries
1.75%
Turn your essential spending into cashback no matter where you shop for groceries.

$200

Everything else
0.50%
Get cashback on every purchase when you pay with your card.

$700

Your monthly cashback
$10.50
Neo Financial card with cashback percentages
More than just a cashback booster
Keep all of your money
The all-in-one Everyday account with no monthly fees, no minimum balances, and free everyday transactions.
Safe, secure deposits
Deposits are eligible for CDIC protection, and payments are protected by world-class security infrastructures.¹
Get notified in real-time
Know what's happening with your money at all times. Get notified anytime money goes in or out of your account, freeze and unfreeze your card instantly.
Pay with ease
Automate your payments from your Neo Everyday account, and never worry about late payments again.
Person tapping Neo Financial card for payment
Unlock the key to maximizing your money
Open the door to greater rewards with an account designed to give back.

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Got questions?
We've got answers.
I already have a Neo Everyday account set up, how do I get a physical card?
Simply log in to your account and select Cards under the main menu. You will see a carousel of cards to select from and order a Neo Money™ card to your registered address.
Is my money insured?
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 eligible for CDIC deposit insurance coverage, up to applicable limits, 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.
How do I transfer funds to my Neo Everyday account?
You can transfer funds to your Neo Everyday account in several ways. You can link an external account, send yourself an Interac e-Transfer®, or move money within Neo.
How do I link an external account to my Neo Everyday account?
You can link an external account by following these steps: 1. Log in to your Neo profile 2. Click the person icon to go to your Neo profile 3. Click on Accounts 4. Select Linked accounts 5. Click on '+ Add account' 6. Follow the steps to securely log in to your external account
Is the Neo Money™ card a debit card?
The Neo Money™ card is a prepaid card that lets you do things that a debit card does – like access cash and spend your money online and in-store without having to manually load funds onto your card.
How soon can I spend with my Neo Money™ card once I sign up?
Instantly. We set up a virtual card so you can make purchases online instantly. Or add your card to your Apple Pay or Google Wallet to start spending.
Do I get cashback if I spend with my Neo Money™ card?
Yes! You'll earn instant cashback on any transactions at partners in our rewards network.
How does earning cashback work?
Cashback is calculated on your spending. For instance, if you shop at a grocery store where you get 1% cashback and you spend $100, the cashback you receive will be 1% of $100, which is $1. This cashback can be found in your Rewards Wallet which you can redeem to your account or at the Neo store.
What is the cashback amount and how do rewards work?
Our cashback amounts are tied to your Everyday balance. For example, earn 2% on gas and groceries, with an additional 0.5% on all other spend when you have $3,000 in your Everyday account. Use the calculator above to see how your Everyday balance impacts your cashback rates.
Can I earn cashback on international purchases?
You can earn cashback on international purchases if you are subscribed to the Travel perks. You will earn cashback when you pay in a foreign currency using your card. However, you won't receive any cashback if you pay in Canadian Dollars or withdraw cash from an ATM abroad. To subscribe to the travel perks go to: 1) Log into your Neo account, either in-app or on the web 2) Click on Perks, then select your card 3) Select 'travel' 4) Click on Subscribe, then go to your email to confirm the subscription
How widely accepted is this alternative debit card by merchants?
You can use your Neo Money™ card anywhere Mastercard is accepted.
Once I make a deposit, when will my cashback rate change?
Your cashback rate is determined with every transaction, this means that if you deposit $10,000, you will earn the corresponding cashback rate on your next transaction!
¹ 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.
Neo World Elite® Mastercard is issued by Neo Financial™ pursuant to licence by Mastercard International Incorporated.
Mastercard, World Elite, and the circles design are registered trademarks of Mastercard International Incorporated.
* 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 app.
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Contact
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English
Legal
Terms & Conditions
Privacy Policy
The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
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
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.
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.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.
By using this website, you accept our Terms and Conditions and Privacy Policy © Neo Financial 2024

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Neo High-Interest Savings Account
Savings made simple
Make your goals possible. Easily track progress and grow your money with 4.00% interest.¹
Open Account
Neo High-Interest Savings Account
Fast-track your savings
Here are a few ways we bring your goals closer.
All of the savings. None of the bull.
Earn 4.00% every day with no limited-time offers, no minimum deposits, or commitments required.¹
Track your goals to reach them faster
Personalize up to 10 accounts with custom names, icons, and amounts for each goal. Whether it’s a vacation or an emergency fund, you’ll accomplish them sooner.
Move your money freely
Manage your money instantly between multiple accounts on the Neo app. Connect an external bank account and make money transfers between institutions a snap.
Have questions about HISAs?
Read everything you’ll need to know about our High-Interest Savings accounts

Learn more
Reach your saving goals faster
Start earning 4% on your savings in a few clicks.¹

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Got questions?
We’ve got answers.
Do I need a minimum deposit or balance on my account?
No—you get to save every bit possible, so you can focus on knocking off your financial goals and setting new ones. It's a savings account after all.
How do you calculate interest?
Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice. Earn 4.00% interest on your entire balance, no matter if you're a new or an existing member.¹ Neo offers one of the highest rates in Canada, and it's not an introductory or promotional rate.²
Is my money insured?
The Neo High-Interest Savings account is provided by Peoples Bank of Canada, a CDIC member institution, and is eligible for CDIC deposit protection. Deposits held in 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.
How do I open a High-Interest Savings account with Neo Financial?
You can get a Neo High-Interest Savings account in less than three minutes. You just need to be over 13 years old (14 in Quebec) and have a Canadian SIN. When your application for a Neo High-Interest Savings account is approved, you can add funds to start earning interest right away! Create a profile to start saving from a Neo High-Interest Savings account.
Do you have a monthly fee?
You shouldn't have to pay to save money. That's why the Neo High-Interest Savings account has no monthly fees. Every dollar you deposit goes directly into earning interest and growing your money.
Do you charge a fee for moving funds?
No, we don't charge a fee for moving funds. You can transfer funds into your Neo HISA to grow your money quicker or move money into your Neo Everyday account to make transactions. Learn more about sending an INTERAC e-Transfer®, paying bills, or completing other transactions with a Neo Everyday account.
When do I earn interest in my HISA?
Interest is calculated daily based on your total closing balance and paid at the start of the following month. You earn compound interest in your HISA, calculated from your principal and accumulated interest.
How much interest will I earn in my Neo HISA?
The interest you earn is based on your account balance and interest rate. You earn more interest if you start saving earlier and make regular deposits into your account. Understanding how much interest you can earn helps with budgeting and financial planning. Log in to your account to see how much interest you earn and use our smart tools to track your savings.
¹Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice.
² Based on research of high-interest savings accounts, comparing and limited to: BMO, CIBC, Scotiabank, TD Bank, RBC, Simplii Financial, and Tangerine. Research conducted by Neo Financial and based on data taken from public websites on November 27, 2023. Research excludes welcome offers.
Account only available to Canadian residents. You must be at least 13 years of age if you reside outside of Quebec; if you reside in Quebec you must be at least 14 years of age.
The Neo High-Interest Savings account is provided by Peoples Bank of Canada.
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The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
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
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.
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.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.
By using this website, you accept our Terms and Conditions and Privacy Policy © Neo Financial 2024
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A game changer card for teens†
A card designed for teens† and great for all. The JA Money card—powered by Neo—gives you the tools to manage your money, save smarter, and get rewarded. 

Keep your money secure
Frequently Asked Questions
Legal Disclaimers
¹ Cashback earn subject to minimum spend threshold. Cashback may be subject to limits and varies by perk, offer and partner. Terms and conditions apply. For more information, visit the Neo App. The Neo RewardsTM Program, including cashback, is operated by Neo. Third-party merchants may have minimum age requirements


² The Neo Everyday account is provided by Peoples Bank of Canada, a CDIC member institution, and is eligible for CDIC deposit protection. Deposits held in Neo Everyday 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.

The JA Money card is a prepaid Mastercard® issued by Neo Financial pursuant to license by Mastercard International Incorporated. The JA Money card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.

The Neo High-Interest Savings account is provided by Peoples Bank of Canada.

Insights are operated by Neo.

†Account only available to Canadian residents. You must be at least 13 years of age if you reside outside of Quebec; if you reside in Quebec you must be at least 14 years of age.

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

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.

View the full terms and conditions: Neo Everyday Account and Access Card Disclosures and Fees and Neo Everyday Account and Access Card Agreement 

By using this website, you accept our Terms and Conditions and Privacy Policy. © Neo Financial 2024

*Limited-time offer. Only new JA Money card applicants are eligible for this offer. Customer has 90 days to complete the card application process. Offer is subject to the Neo Rewards Policy, the Neo Platform Terms and Conditions, and any other applicable terms and conditions. Offer may be amended or cancelled at any time without notice.  

The JA Money card is a prepaid card that has the rewards of a credit card and the functionality of a debit card, without incurring debt or spending beyond your account balance. Access cash and spend your money online and in-store without having to manually load funds onto your card.

What is a prepaid card and how does it differ from a debit card? 
Cashback is exactly what it sounds like—money back in your pocket, through your Rewards Wallet, when you make a purchase with your JA Money card at any of the thousands of partners, or the brands and categories where cashback is offered. 

How does cashback work and why should I care? 
Know what’s happening with your money at all times. Get notified anytime money goes in or out of your account, freeze and unfreeze your card instantly.

Deposits are eligible for CDIC protection², and payments are protected by a world-class security infrastructure.

Protect your account with Face ID, fingerprint lock, and two-factor authentication. 

How do I use my cashback? 
You can use your cashback for making purchases in the Neo Store, or cash out to your Neo Everyday account. Cashback is paid instantly and is accessible through your Rewards Wallet in the Neo app.

What is a high-interest savings account and why does it matter? 
In addition to the JA Money card, you can open one or more Neo High-Interest Savings accounts, which help you easily earn interest on your savings. Interest is calculated daily and paid out monthly. When you want to save for specific goals, you can personalize your savings accounts with a goal name and amount to track your progress.  

Get Started






Meet the JA Money card
Spend

Earn cashback with your favourite brands, and manage your money with free transactions and no monthly fees.

Save

Access personalized high-interest savings accounts to plan and reach your savings goals.

Learn 

Master your finances with insights and budgeting tools in the Neo app. Plus, access bite-sized lessons in the JA Knowledge Hub.

Cashback rewards, designed for teens†












Restaurants & Food Delivery Apps
Enjoy 5% average cashback¹ at select restaurants and Uber Eats.

Clothing & Footwear
Shop the latest styles and score 2% cashback¹ at stores like Dynamite, JD Sports, and Simons.

Bookstores & eBooks
Catch up on reading with 2% cashback¹ at select places like Chapters, Indigo, and Kobo.

Health & Fitness
Stay active with 2% cashback¹ at select places like GoodLife Fitness and Anytime Fitness.

And more!
Use the Neo app to discover over 10,000 places to earn rewards—it’s like the Google Maps of cashback.

Games & Entertainment
Level up with 2% cashback¹ at select spots like PlayStation, Xbox, Nintendo, and Steam.

Get Started




Get notified in real time

Safe, secure deposits

Advanced app security

Join the new era of financial empowerment
Support Junior Achievement of Canada's mission by getting the JA Money card. 


Purchase with purpose

Use your JA Money card and every purchase will contribute to JA’s mission at no cost to you. 

Gain a wealth of knowledge 

Get Started
Start building your money independence
Get Started
Who is JA Canada and how does the JA Money card support the organization? 
Junior Achievement of Canada (JA Canada) is a non-profit educational organization committed to youth success. Learn more at jacanada.org.
Your JA Money card usage generates donations for JA Canada at no cost to you.  

Who is Neo Financial™? 
Neo Financial™ is a financial services company that’s helping Canadians build a better financial future with spending, savings, and rewards. Learn more at neofinancial.com.

Access and share the JA Knowledge Hub to build money management skills and confidence.

Get Started













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Neo Money Interest Rates
Rates current as of October 22, 2024
Neo Everyday account
0.10%
Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice.
Rates current as of October 22, 2024
Neo High Interest Savings account
4.00%
Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice.
A better way to manage your money
Open an account in 3 minutes.

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The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
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
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.
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.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.
By using this website, you accept our Terms and Conditions and Privacy Policy © Neo Financial 2024
We value your privacy
Hi there! We use cookies to enable essential website functionality, collect data, and customize your experience while keeping you safe. You can personalize your cookies to accept or reject the use of non-essential cookies.


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Invest with experts, not just algorithms
With Neo Invest™—powered by OneVest¹, you get both the convenience of online investing and the expertise of portfolio managers to help you reach your goals.
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No more cookie cutter portfolios
Say goodbye to one-size-fits-all investing. Your goals, values, timelines, and risk tolerance are built into a custom portfolio designed with you at the heart of it.
Manage your online investing from your phone - OneVest Canada
Level up your online investment strategy with Neo Invest™
Level up your online investment strategy with Neo Invest™
Get better potential returns with up to 3x more asset classes. Diversify your portfolio beyond basic stocks and bonds with alternative investments that help achieve better risk-adjusted returns.
Invest with confidence
OneVest's portfolio managers don't like taking unnecessary risks any more than you do. They build you a diversified portfolio with multiple asset classes and investment strategies to help you achieve your investment objectives.
Investment diversification
Get up to 3x more asset classes and investment strategies that help balance portfolio risk.
Personalized portfolio
OneVest diversifies and adjusts your portfolio to fit your risk profile and goals.
Active management
Let a professional¹ actively manage and rebalance your portfolio and navigate changing markets.
Tax loss harvesting
OneVest's portfolio managers use investment strategies that can potentially help reduce tax implications on your earnings.
Get started with online investing in Canada today.
Set up your personalized Neo Invest™—powered by OneVest¹

Get Started
Got questions?
We can answer them.
Who is OneVest?
OneVest is building the future of wealth management. By pairing human touch with technology, they create personalized investment solutions to better meet your goals. OneVest is a registered Portfolio Manager in each province and territory of Canada.
What types of investments² are included?
The investments included in your portfolio are selected based on your risk comfort, financial situation, and time horizons. Your portfolio is constructed using ETFs, and they cover a range of globally diversified investments including digital assets, alternative asset classes, and more. When you complete your account set-up, we’ll teach you more about what’s in your portfolio.
What types of accounts can I invest with?
You can choose to set up your portfolios with a TFSA, RRSP, or personal account.
Your TFSA allows you to save or invest money tax-free. Any profits earned in this account (for example, investment income and capital gains) are tax-free, even when it’s withdrawn.
Your RRSP account allows you to plan for your retirement in a tax-efficient manner. Not only are profits earned in an RRSP account tax-deferred, but your RRSP contributions can also be used to reduce your income tax. You only pay tax when you withdraw money from the account.
Investing with your personal account allows you to invest your money while keeping it accessible. Personal accounts don’t have withdrawal restrictions, but you do have to pay taxes on your profits when investments are sold. This account is a good option for anyone looking to access cash in the near future or if you’ve already maxed out your TFSA and RRSP contribution limits.
Can I transfer an existing RRSP or TFSA account to Neo Invest™?
Yes! When you set up your Neo Invest™—powered by OneVest¹ account, you’ll be able to transfer partial or all funds from an existing RRSP or TFSA account into your portfolio. To learn how, read here.
What are the fees?
Fees are kept as low as possible. With traditional wealth managers, your fees could be between 1.5%-2.5%³. With Neo Invest™—powered by OneVest¹, you’ll be charged 0.75% on Assets Under Management (AUM) as a discretionary management fee, which includes all custody and trade execution charges. For example, if your account is valued at $10,000, then your annual fee is calculated as $10,000 x 0.0075 = $75 a year. The management fee is calculated based on your average daily account value and is withdrawn from your account on a monthly basis.
Some products in your OneVest portfolio may include indirect fees. These fees, called Management Expense Ratio (MER) fees, are charged within the products held in your portfolio. Depending on your portfolio, your weighted-average MER can range from 0.4% to 0.5%.
Depending on which account you invest with and where you live in Canada, the management fees you pay can also be subject to taxes.
What is a fully managed portfolio?
A fully managed portfolio means that a OneVest Portfolio Manager takes care of your investing on your behalf. Your portfolio is actively managed to take advantage of changing market conditions with the objective of maximizing your risk-adjusted return.
How can I influence my portfolio?
When you get Neo Invest™, you answer a series of questions that help customize your portfolio to your goals, timelines, and risk comfort. Your answers directly influence the type of portfolio OneVest recommends.
¹ Portfolio management services provided by OneVest.
² The Funds are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer and are not guaranteed or insured. Their values change frequently.
³ Based on research comparing the fees offered by traditional wealth management firms. Research conducted by OneVest and provided to Neo Invest in March 2022.
With any investment, your capital is at risk. The value of your portfolio can go down as well as up and you may get back less than you invest. Past performance is no guarantee of future results. Read our investment risk disclosure for more information.
Neo Financial™ (“Neo”) is a strategic partner of OneVest Management Inc. (“OneVest”). Through its Wealth Management-as-a-Service platform, OneVest provides wealth management products and services to Neo customers. Neo is a shareholder of OneVest’s parent company, One Wealth Technologies Inc.
OneVest Management Inc. is a registered Portfolio Manager in each province and territory of Canada and an Investment Fund Manager in the provinces of Alberta, Newfoundland and Labrador, Ontario and Quebec. Assets in your OneVest accounts are held with CI Investment Services (CIIS), a registered investment dealer in each province and territory of Canada, a member of the Investment Industry Regulatory Organization of Canada (IIROC). OneVest is a wholly owned subsidiary of One Wealth Technologies. Copyright @ 2023, One Wealth Technologies Inc. All rights reserved.
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The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
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
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.
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.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.
By using this website, you accept our Terms and Conditions and Privacy Policy © Neo Financial 2024

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Set it and forget it
With actively managed portfolios, you can let experts at OneVest do what they do best, while you focus on what’s important to you.
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Set it and forget it
What is active management?
What is active management?
Professional investors¹ actively manage, track, and update your portfolio using research, analysis, forecasting, and professional experience to make decisions.
What does an actively managed portfolio give you?
Managed tax
Active portfolio managers¹ have access to a larger set of tools, this includes strategies like tax loss harvesting that can potentially help offset your tax burden.
Managed risk
Portfolio managers¹ make decisions to balance opportunities while mitigating risks.
Strategic thinking
There’s no panic buying or selling of stocks as the market fluctuates. OneVest’s experts think long-term to maximize the potential of your portfolio.
What does an actively managed portfolio give you?
Themed investing portfolios
Customize your portfolio with OneVest even further by choosing to align your investments with what matters to you. Pair your interests with your investment objectives.
Disruptive Technology
Technology is changing the world. Access exponential growth opportunities and diversify away from traditional industries by investing with bold technology innovators.
Climate Impact
Align your investments with positive climate action through companies and asset classes that accelerate our transition away from carbon-based sources of energy.
Everyday Investing
Maximize diversification with more asset classes and investment strategies that are typically available only to large institutions and high net worth individuals.
Invest today, thank yourself tomorrow
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¹ Portfolio management services provided by OneVest.
Neo Financial™ (“Neo”) is a strategic partner of OneVest Management Inc. (“OneVest”). Through its Wealth Management-as-a-Service platform, OneVest provides wealth management products and services to Neo customers. Neo is a shareholder of OneVest’s parent company, One Wealth Technologies Inc.
OneVest Management Inc. is a registered Portfolio Manager in each province and territory of Canada and an Investment Fund Manager in the provinces of Alberta, Ontario, Quebec and Newfoundland and Labrador. Assets in your OneVest accounts are held with CI Investment Services (CIIS), a registered investment dealer in each province and territory of Canada, a member of the Investment Industry Regulatory Organization of Canada (IIROC).
The information does not provide financial, legal, tax or investment advice. Particular investment, tax, or trading strategies should be evaluated relative to each individual’s objectives and risk tolerance.
With any investment, your capital is at risk. The value of your portfolio can go down as well as up and you may get back less than you invest. Past performance is no guarantee of future results. Read our investment risk disclosure for more information.
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English
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Terms & Conditions
Privacy Policy
The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
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
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.
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.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.
By using this website, you accept our Terms and Conditions and Privacy Policy © Neo Financial 2024

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Goal-based investing at your fingertips
Get personalized, goal-based investment portfolios that are actively managed by professionals at OneVest to help you plan for whatever is next.
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Goal-based investing at your fingertips
Neo Invest™—powered by OneVest¹
Not all your eggs are in one basket.
Get VIP access to alternative investments
Access up to 3x more investment products to boost diversification and potential returns. Having different asset classes and investment strategies gives you multiple sources of returns, helps balance portfolio risk and return, and protects you from sudden market changes.
Get VIP access to alternative investments
Set it and forget it
Set it and forget it
OneVest portfolio managers actively monitor the market and will adjust your portfolio over time to help you reach your goals. This helps to stabilize your portfolio when the market fluctuates, or even to increase returns when opportunities arise.
Choose your own path
Get the right account that fits your goals, and our partners at OneVest will make sure you're set up for success in the long term—or for whenever you need the money.
TFSA
Invest using a Tax Free Savings Account (TFSA) and never pay taxes on your withdrawals. No penalty. No tax. Just stay within the contribution limits.
RRSP
Contribute to a Registered Retirement Savings Plan (RRSP) account to reduce your taxable income. There are several ways to leverage this account while considering the limits and tax deductions on withdrawals.
Personal
Perfect if you want non-registered investments with less restrictions or if you’ve hit your contribution limits within your RRSP. As long as you’re paying yourself first, it’s a win.
Set up for success
Recurring deposits to the rescue
Automatically invest every week or month, and reach your goals without lifting a finger.
Recurring deposits to the rescue
Track your progress
Track your progress
View projections against your goals, and confirm you’re on track.
1
Getting to know you
Investing is not a one-size-fits-all situation. The information you provide about you and your goals helps create a curated investment portfolio just for you.
2
Start investing
Add new funds (or transfer your existing investments) into your new portfolio.
3
Sit back, we got the rest
OneVest takes care of the investments, you take care of being you. Of course, you can check in on your investments and make changes anytime you want.
Get started in 10 minutes or less
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¹ Portfolio management services provided by OneVest.
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Privacy Policy
The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
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
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.
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.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.
By using this website, you accept our Terms and Conditions and Privacy Policy © Neo Financial 2024

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Seamless mortgage solutions, tailored to you
Getting a mortgage has never been simpler. With Neo Mortgage, get your best rate, fast turnaround, and expert support.
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Seamless mortgage solutions, tailored to you
Neo Financial mortgage giveaway
Imagine mortgage-free living
Neo is giving away mortgage payments for a year. Plus, mortgage payments for six months. Be one of the lucky winners to get up to $25,000 towards your mortgage. *
Learn more
Mortgage solutions, your way
We're using technology to transform the traditional mortgage experience, making it more affordable, efficient, and accessible.
Competitive rates
Your money has better things to do than pay interest. Get your best rate with Neo Mortgage—saving you more in the long run.
Quick application
Skip the paperwork. With Neo in your pocket, you can apply for a mortgage online and get pre-qualified in minutes from wherever you are.
Dedicated support
Advice that feels close to home. Our team of expert Mortgage Advisors is here to support you every step of the way.
Better rates than the Big 5 Banks
No surprises, no hidden fees, and no obligations - just savings.
Get your rate
4.49%
Neo Mortgage¹
5-year fixed rate (closed)
5.05%
Big 5 Banks²
5-year fixed rate (closed)
Your journey starts here
Explore your best rates online in seconds
Apply online through our secure digital platform
Receive personalized guidance from your dedicated Mortgage Advisor online or over the phone
Securely submit documents from wherever you are
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Apply for mortgage online
Whether you want to purchase or renew, we have a rate for you
Home purchase
Home purchase
Buy your dream home with flexible terms, and as little as 5% down³.
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Renewal or switch
Renewal or switch
Lock in your renewal or transfer your mortgage anytime, anywhere with our digital process.
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Not a Neo client yet?
We build simple products, designed to help you spend, save, and grow your money — all in one place.
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Accounts and tools for simpler everyday spending and saving.
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Got questions?
We can answer them.
What is Neo Mortgage?
Neo Mortgage is using technology to transform the traditional mortgage experience for Canadians, getting you a mortgage faster, with a seamless digital experience.
Our platform allows customers to apply for a mortgage online, with no in-person appointments required. You’re not in this alone—our team of expert Mortgage Advisors walk you through the entire process, providing unbiased advice so you’re fully informed.
Who can apply for a Neo Mortgage?
Anyone who lives in Canada, has a Canadian photo ID, and is the age of majority in their province can apply for a Neo Mortgage.
Neo Mortgage is not available for properties in Quebec, Yukon, Northwest Territories, or Nunavut.
What do I need to apply?
To make the application process as seamless as possible, we recommend having the following information at the ready:
Email address
Income and employer information
Property information
Do you do a credit check?
Anytime you apply for a mortgage or loan, your lender is required to check your credit. This is called a hard credit check or inquiry and will have an impact on your score. Neo Mortgage will not perform a hard credit check without your consent.
How do I get the lowest mortgage rate?
Many factors can affect your mortgage rate, including your credit score and debt-to-income ratio, among others.
Neo Mortgage will work with you to get the lowest rate based on your situation.
What if I prefer to talk to someone about my mortgage options?
Looking to discuss your mortgage options? Email us at <PRESIDIO_ANONYMIZED_EMAIL_ADDRESS> and one of our expert Mortgage Advisors will be in touch.
I have a question about my Neo Mortgage.
We’re here to help! If you currently have a Neo Mortgage, our Support team can be emailed at <PRESIDIO_ANONYMIZED_EMAIL_ADDRESS>. If you have questions about servicing fees, you can access our fee schedule here.
¹ 5-year fixed rate is up to date as of October 8, 2024. This rate is applicable for high-ratio mortgages and subject to lender approval.
² Based on the median posted mortgage rates of Canada’s Big 5 banks taken from public websites as at September 5, 2024.
³ Applicable to residential mortgages only, subject to approval. A minimum 5% down payment is required for a purchase price of $500,000 or less. For a purchase price between $500,000 and $1 million, the minimum down payment is 5% on the first $500,000 and 10% on the balance. A home purchase price of greater than $1 million requires a minimum down payment of 20%.
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.
‘Advisors’ are licensed mortgage professionals.
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The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
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
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.
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.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.
By using this website, you accept our Terms and Conditions and Privacy Policy © Neo Financial 2024

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SECURED NEO MASTERCARD
Voted Canada’s Best Secured Credit Card¹
Start building your credit history for only $5 a month.
Sign Up
Secured Neo Mastercard
Neo secured credit cards help you build your credit score² while earning instant cashback that grows with healthy balances in your Neo Everyday account.
Guaranteed approval³
No hard credit check
International IDs accepted
Earn cashback on purchases

Calculate your cashback
Adjust your desired Neo Everyday account balance and enter your monthly spend in each of the three categories to calculate your potential cashback.
Neo Money™ Card
Neo Mastercard®
Neo World Elite® Mastercard
Move the slider to explore how Everyday account balance affects rewards.
Learn more
$0
$1k
$3k
$5k
$10k
Gas
2.00%
Turn your essential spending into cashback no matter where you fill up.

$200

Groceries
2.00%
Turn your essential spending into cashback no matter where you shop for groceries.

$200

Everything else
0.50%
Get cashback on every purchase when you pay with your card.

$700

Your monthly cashback
$11.50
Neo Mastercard
We’ve got a few awards in the bank
SavvyNewCanadians
HardBacon
RatesDotCa
CreditCardGenius
MoneyGenius
Build your credit history with industry leaders
Our credit cards report to the two leading credit reporting agencies in Canada TransUnion® & Equifax
Sign Up
Build your credit history with industry leaders
How does a secured credit card work?
Set your credit limit
Set aside funds to act as your security deposit⁹, starting with as little as $50.
Make on-time payments
Make everyday purchases and pay off your balance with regular on-time payments by using additional funds.
Help build your credit score
Our monthly reporting to TransUnion and Equifax enables you to view your credit profile and better understand how to improve your credit score⁴.
Protect your credit balance from the unexpected
Balance Protection is optional coverage that can help cover the minimum monthly payments of your outstanding credit card balance during tough times. Peace of mind starts from $1.39* per $100 of your average daily balance.
Learn More
Protect your credit balance from the unexpected
Get the secured credit cards that reward you for responsibly managing your money for only $5 a month.
Get started in minutes, with no branch visits required.

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Got questions?
We’ve got answers.
How does cashback work with a secured Neo Mastercard?
Does the secured Neo Mastercard require a credit check to be approved?
Which credit bureaus does Neo report to?
What are the benefits of reporting to both credit bureaus?
How can I check my credit score?
Can I have more than one credit score?
What makes the Secured Neo Mastercard different from other traditional credit cards?
How much is the credit limit?
What is the minimum amount I have to set aside for security funds?
Will I get my security funds back?
What is the Purchase Credit Rate / APR?
As awarded by Hardbacon on October 26, 2023.
¹ When you make payments in full and on time each month.
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 Excluding Quebec residents.
⁴ Except in Quebec where the amount of the security funds is a variable amongst others, which helps establish your credit limit.
The Neo Everyday account is provided by Peoples Bank of Canada.
Neo World Elite® Mastercard is issued by Neo Financial™ pursuant to licence by Mastercard International Incorporated.
Mastercard, World Elite, and the circles design are registered trademarks of Mastercard International Incorporated.
* 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 app.
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English
Legal
Terms & Conditions
Privacy Policy
The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
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
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.
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.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.
By using this website, you accept our Terms and Conditions and Privacy Policy © Neo Financial 2024
We value your privacy
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Your AI-powered Assistant
Understand your spending habits and build effective savings strategies, while securely leveraging AI to do it all faster and easier.
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Effortless budgeting via smart insights
Take the hassle out of budgeting and easily see where your money is going with real-time data visualizations and the ability to query your transaction history.
Level-up your financial knowledge
Level-up your financial knowledge
Learn more about your money, more easily than ever before. Ask Neo AI financial questions to boost your understanding and confidence in personal money matters.
Personalized savings opportunities
Quickly discover the best rewards and offers, tailored to where and how you shop, thanks to an assist from AI.
Become the expert on your money
Track your spending and learn your habits with Insights.

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¹ 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
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English
Legal
Terms & Conditions
Privacy Policy
The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
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
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.
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.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.
By using this website, you accept our Terms and Conditions and Privacy Policy © Neo Financial 2024

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Credit score monitoring, plain and simple
Track your credit score and find out what’s affecting it, with credit score monitoring and personalized insights.
Now available with Premium
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Credit score monitoring, plain and simple
See your credit score instantly
View your current credit score live, explore changes to your score over time, and get a sense for how good your score is on a general scale.
See your credit score instantly
Explore credit score factors
Explore credit score factors
Explore the main factors that impact your credit, like payment history and credit utilization, plus other important factors like your accounts history and hard credit checks.
Discover how to build credit
Get real, personalized tips based on your score factors to help you build your credit score over time.
Discover how to build credit
Take control of your credit score
Get Premium and unlock credit score monitoring directly in the Neo app

Explore Premium
Got questions?
We've got answers.
How is my credit score calculated?
Your credit score is calculated using your account histories, credit balances, and payment habits over the last 24 months.
What credit score shows up in my Neo app?
Neo shows you your CreditVision® Risk Score provided by TransUnion®. Viewing your credit score in the Neo app doesn’t have an impact on your credit report or score.
How do I get credit score monitoring in the Neo app?
Neo shows you your CreditVision® Risk Score provided by TransUnion®. Viewing your credit score in the Neo app doesn’t have an impact on your credit report or score. Visit our Premium page to learn more.
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https://play.google.com/store/apps/details?id=com.neofinancial.neo

English
Legal
Terms & Conditions
Privacy Policy
The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
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
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.
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.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.
By using this website, you accept our Terms and Conditions and Privacy Policy © Neo Financial 2024
We value your privacy
Hi there! We use cookies to enable essential website functionality, collect data, and customize your experience while keeping you safe. You can personalize your cookies to accept or reject the use of non-essential cookies.


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Everyone needs a fallback plan
Balance Protection insurance can help cover your minimum monthly credit card payments or cover your outstanding credit card balance during difficult times. Sign up in minutes.
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A way to help protect your credit score
Avoid missing credit card payments with Balance Protection. This optional coverage¹ can be added to any Neo credit card, which can cover your minimum monthly credit card payments or your outstanding balance—and it’s free to cancel anytime².
What it covers
Job loss
Disability
Critical illness and life
What it covers
What it covers
Balance Protection insurance covers up to $30,000 total maximum benefit³ per credit card for involuntary job loss, disability, critical illness, dismemberment, or loss of life.
Peace of mind starts from $1.39⁴
Pay as little as $1.39 per $100 of your account balance on your statement date.

Example: For a credit card with an average daily balance of $500 for a monthly statement period, you’ll pay $6.95 (plus applicable taxes).

Get Started
Peace of mind starts from $1.39⁴
How to add Balance Protection
You can add optional Balance Protection insurance¹ to your Neo card in minutes.
Step 1
Log in to your Neo account using the Neo app or on your computer.
Step 2
Step 2
Select the Credit tab, and select the credit card you want to insure.
Step 2
Step 3
In the top right corner, select the “Balance Protection” option.
Step 2
Access through Canada’s #1 rated financial app⁵
Log in to the Neo app to add Balance Protection to your Neo Credit card. It’s free to cancel anytime².

Get Started
Got questions?
We’ve got answers.
What is covered under balance protection?
How do I know if I’m eligible?
How will I be charged and when?
When does my coverage start?
What happens if I no longer want balance protection?
What happens if I cancel my insurance and re-enroll during the same billing cycle?
Do I have to be a Neo customer to get Balance Protection?
How do I make a claim?
I am unable to log in to my Neo account, how can I file a claim?
Who is TGI?
What happens if my balance is below $100?
¹ Balance Protection is optional and not a condition for credit approval or access to credit card products.
² Cancellation limits apply and may differ by province. See Certificate of Insurance & Disclosure Statement for more details. There is no cancellation fee, coverage can be cancelled for free anytime.
³ Balance Protection covers the specific credit card enrolled. Not all credit cards are covered. Limits are per each eligible card for which you have purchased Balance Protection. Minimum payments and/or outstanding balances are calculated on the date of loss. If your credit card balance continues to increase after the date of loss, your minimum payment may not be covered.
⁴ Variable monthly premium based on the statement amount owed at the end of your billing cycle and is calculated based on the average daily balance for every $100 in posted transactions throughout the billing cycle. The insurance premium rate is calculated as $1.39 per $100 of the average daily balance over the billing cycle period. If you enroll at any time during your billing cycle, your premium will be calculated based on your average daily balance in posted transactions for the entire billing cycle.
⁵ Based on research comparing and limited to: BMO, CIBC, KOHO, PC Financial, EQ, RBC, Scotiabank, Tangerine, TD Bank, Wealthsimple, and Simplii Financial app ratings in the App Store and Google Play. Research conducted by Neo Financial on December 12, 2023.
Balance Protection covers the specific credit card enrolled. Not all credit cards are covered. Limits are per each eligible card for which you have purchased Balance Protection. Minimum payments are calculated on the date of loss. If your credit card balance continues to increase after the date of loss, your minimum payment may not be covered.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
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Contact
https://apps.apple.com/ca/app/neo-financial/id1495268044
https://play.google.com/store/apps/details?id=com.neofinancial.neo

English
Legal
Terms & Conditions
Privacy Policy
The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
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
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.
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.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.
By using this website, you accept our Terms and Conditions and Privacy Policy © Neo Financial 2024

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Customize your rewards with perks¹
Flexible monthly subscriptions that put you in control. Add perks¹ to your Neo cards for new rewards.
Subscribe Now
Customize your rewards with perks¹
Unlock the power of perks
Subscription-based
Add perks¹ to your card with the flexibility of a monthly subscription.
Powerful combinations
Stack different perks¹ together and build the ultimate rewards program.
Substantial value
Save up to $400² a year with subscriptions that can pay for themselves.
Build rewards your way
Adding perks gives you more control over your rewards experience. Whether you’re into travel¹, food, or staying active, perks let you choose the rewards you want.
Travel¹
Travel¹
Travel better with worldwide lounge access³, 2% cashback on foreign transactions, trip cancellation insurance⁴, and more.
Learn More
Mind & Body
Mind & Body
Get boosted cashback at fitness partners, a free subscription to Headspace Plus, meal plans, classes, and more.
Learn More
Food & Drink
Food & Drink
Dine for less with a 1.25x cashback⁵ boost at selected dining and food delivery partners.
Learn More
Mobile & Personal Protection
Mobile & Personal Protection
Get secure with mobile damage and theft protection⁶, password management, plus fraud and ransomware coverage⁷.
Learn More
The ultimate rewards experience
Powerful tools, unlimited cashback and rewards that you control. There's a better way to manage your money.

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Got questions?
We've got answers.
How do I add perks to my card?
Log into your Neo account to explore your rewards and add any number of perks. Here's how to add perks!
Can I add more than one perk to my card?
You can add as many perks as you want. Perks are designed to be stacked together, giving you more flexibility over how you earn rewards.
What happens if I cancel a perk I've added mid-month?
If you cancel a perk in the middle of the month, you’ll keep all the benefits until the end of that month.
If I add a perk mid-month, am I still charged the full amount?
No. Your card will be charged a prorated amount based on how many days are left in the month.
¹ The Travel perk is not available in Quebec.
² Based on research comparing annual offerings from leading benefit suppliers in Canada. Research was conducted by Neo Financial and is based on data taken from public websites as at August 18, 2022.
³ Priority Pass is an airport lounge access program offered by Collinson Group. Terms and conditions are available during sign-up.View the full list of insurance certificates.
⁴ This insurance coverage is underwritten by Chubb Insurance Company of Canada under a Group Policy issued to Neo Financial Technologies Inc. All coverage is subject to the terms, conditions, limitations and exclusions outlined in the Certificate of Insurance, and for Quebec residents the Summary and Fact Sheet. The cost will be charged to the eligible Neo card that you signed up for the Neo Perks with. Neo, its employees and representatives are not agents of Chubb, nor can they waive or change any terms of the insurance coverage. View the full list of insurance certificates.
⁵ Average based on current offers at select partners. Cashback may be limited and varies by perks, offer, and partner. Value increase is an average and depends on card use. Offer is subject to the Rewards Policy. Offer may be amended or cancelled at any time without notice. Cashback, perks, insights, and other offers and rewards are operated by Neo.
⁶ Up to 2 claims per year with $49 deductible and $500 limit.
⁷ Provided by Cyberscout, a TransUnion company.
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The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
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
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.
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.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.
By using this website, you accept our Terms and Conditions and Privacy Policy © Neo Financial 2024
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Travel rewards, when you need them
Activate the Travel perk¹ to unlock exclusive travel rewards on your Neo cards.
$7.99 / month. Cancel any time.
Add Travel Now
Travel rewards, when you need them
A card with travel rewards, without the annual fees¹
A card with travel rewards, without the annual fees¹
Enjoy worldwide lounge access², travel insurance coverage³, boosted cashback at travel partners, and cashback on all foreign transactions.
What's included:
2% cashback on all foreign transactions
Priority Pass² airport lounge access at over 1,300 locations worldwide
SmartDelay⁴ free airport lounge access when registered flights are delayed by more than an hour
1.5x cashback⁵ boost at all hotel travel partners
Comprehensive travel insurance coverage³ from Chubb including emergency travel medical, trip cancellation, car rental protection, flight delay, and more
What's included:
Discover new rewards with perks
Explore Perks
Discover new rewards with perks
Got questions?
We've got answers.
How do I add perks to my card?
Log into your Neo account to explore your rewards and add any number of perks. Here's how to add perks!
Can I add more than one perk to my card?
You can add as many perks as you want. Perks are designed to be stacked together, giving you more flexibility over how you earn rewards.
What happens if I cancel a perk I've added mid-month?
If you cancel a perk in the middle of the month, you’ll keep all the benefits until the end of that month.
If I add a perk mid-month, am I still charged the full amount?
No. Your card will be charged a prorated amount based on how many days are left in the month.
¹ The Travel perk is not available in Quebec. 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%).
² Priority Pass and SmartDelay are airport lounge access programs offered by Collinson Group. Terms and conditions are available during sign-up.View the full list of insurance certificates.
³ This insurance coverage is underwritten by Chubb Insurance Company of Canada under a Group Policy issued to Neo Financial Technologies Inc. All coverage is subject to the terms, conditions, limitations and exclusions outlined in the Certificate of Insurance, and for Quebec residents the Summary and Fact Sheet. The cost will be charged to the eligible Neo card that you signed up for the Neo Perks with. Neo, its employees and representatives are not agents of Chubb, nor can they waive or change any terms of the insurance coverage. View the full list of insurance certificates here: https://card.neofinancial.com/legal-bundles
⁴ SmartDelay is an airport lounge access program offered by Collinson Group. Terms and conditions are available during sign-up.
⁵ Average based on current offers at select partners. Cashback may be limited and varies by perks, offer, and partner. Value increase is an average and depends on card use. Offer is subject to the Rewards Policy. Offer may be amended or cancelled at any time without notice.
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The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
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
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.
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.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.
By using this website, you accept our Terms and Conditions and Privacy Policy © Neo Financial 2024
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Reward your mind and body
Activate the Mind & Body perk for exclusive health & wellness rewards on your Neo cards.
$9.99 / month. Cancel anytime.
Add Mind & Body Now
Reward your mind and body
Feel great, be rewarded
Feel great, be rewarded
Reach your wellness goals without sacrificing your financial ones, with a free Headspace Plus subscription, meal plans and free classes, plus boosted cashback at fitness partners.
What's included:
1.25x more cashback¹ at gyms, fitness classes, yoga studios, recreational centres, vitamin & supplement suppliers, and wellness practitioners
Free subscription to Headspace Plus, with hundreds of meditation and mindfulness exercises
One free fitness class per month²
Hundreds of FitOn PRO workouts including unlimited access to premium music and personalized meal plans
What's included:
Discover new rewards with perks
Explore Perks
Discover new rewards with perks
Got questions?
We've got answers.
How do I add perks to my card?
Can I add more than one perk to my card?
What happens if I cancel a perk I've added mid-month?
If I add a perk mid-month, am I still charged the full amount?
¹ Average based on current offers at select partners. Cashback may be limited and varies by perks, offer, and partner. Value increase is an average and depends on card use. Offer is subject to the Rewards Policy. Offer may be amended or cancelled at any time without notice.
² Conditions apply. Free classes are limited to one free class per user, per month.
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Privacy Policy
The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
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
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.
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.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.
By using this website, you accept our Terms and Conditions and Privacy Policy © Neo Financial 2024
We value your privacy
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Boost cashback on food and drink
Add the Food & Drink perk for dining and delivery rewards on your Neo cards.
$1.99 / month. Cancel anytime.
Add Food & Drink Now
Boost cashback on food and drink
Give yourself a tip
Give yourself a tip
Add the Food & Drink perk to your Neo cards and get rewarded with more cashback every time you dine out or order in with popular food delivery apps using a Neo card.
What's included:
1.25x more cashback¹ at partner restaurants, cafes, and bars
1.25x more cashback¹ from food delivery partners
What's included:
Discover new rewards with perks
Explore Perks
Discover new rewards with perks
Got questions?
We've got answers.
How do I add perks to my card?
Can I add more than one perk to my card?
What happens if I cancel a perk I've added mid-month?
If I add a perk mid-month, am I still charged the full amount?
¹ Average based on current offers at select partners. Cashback may be limited and varies by perks, offer, and partner. Value increase is an average and depends on card use. Offer is subject to the Rewards Policy. Offer may be amended or cancelled at any time without notice.
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English
Legal
Terms & Conditions
Privacy Policy
The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
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
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.
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.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.
By using this website, you accept our Terms and Conditions and Privacy Policy © Neo Financial 2024
We value your privacy
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Keep your digital world secure
Activate the Mobile & Personal Protection perk to protect yourself from growing threats online.
$9.99 / month. Cancel any time
Add Mobile & Personal Protection Now
Keep your digital world secure
Plan for the unexpected
Plan for the unexpected
Device protection¹, password management, 24/7 support hotline², and more. Protect your online world with the Mobile & Personal Protection perk.
What's included:
Protection for your mobile device against damage, breakdowns, and theft¹
Dashlane Premium subscription for secure password management
$1 million in fraud, ransomware, and social engineering coverage²
24/7 support hotline and credit monitoring services²
What's included:
Discover new rewards with perks
Explore Perks
Discover new rewards with perks
Got questions?
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How do I add perks to my card?
Can I add more than one perk to my card?
What happens if I cancel a perk I've added mid-month?
If I add a perk mid-month, am I still charged the full amount?
¹ Up to 2 claims per year with $49 deductible and $500 limit.
² Provided by CyberScout, a TransUnion company.
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English
Legal
Terms & Conditions
Privacy Policy
The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
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
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.
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.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.
By using this website, you accept our Terms and Conditions and Privacy Policy © Neo Financial 2024
We value your privacy
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Level up your Neo experience
Level up your Neo experience
Get enhanced cashback² on the things you love. Plus, upgraded features to help you manage money flawlessly.
Upgrade to Premium for just $9.99 a month.
Get Premium Now
Transform your money
Experience the power of enhanced cashback². Get higher rates², exclusive features and offers, and tools that help you take control of your money—all without minimum deposits.
+2% Cashback² on essentials
Save up to $340⁵ a year on the essentials with a +2% cashback² boost on gas and groceries—no matter where you pay for them.
Boosted Partner Cashback²
Earn an average¹ 6% cashback on dining and food delivery. 4% on streaming and rideshare services. And over 3%² at retail partners.
Bookstores & eBooks
Catch up on reading with 2% cashback² at partner stores like Chapters, Indigo, and Kobo.
Credit Monitoring
Get access to credit monitoring directly in the Neo app—provided by TransUnion®. Track changes, and find out what factors could be impacting your score.
Additional Benefits
Enjoy enhanced purchase protection and extended warranty³, plus $2,500 group life insurance and 24/7 legal assistance⁴.
Priority Support
Get Neo’s support team on speed dial. Unlock Priority Support and be first in line with a dedicated premium phone line.
Get more with Premium
Exclusive features. Even more cashback.
Features	Additional Value
Grocery spend²	+2%
Gas spend²	+2%
All other spend²	+0.5%
Avg. Cashback Network Restaurant	+1%
Avg. Cashback Network Streaming	+1%
Avg. Cashback Network Rideshare	+1%
Avg. Cashback Network Food Delivery	+1%
Avg. Cashback Network Shopping	+1%
Credit Score Monitoring	✅
Extended Warranty & Purchase Protection	✅
Balance guard+ (Life+legal)	✅
Priority Support	✅
Monthly Price	$9.99
Get Premium Now
Got questions?
We've got answers.
Can I add other perks if I already have Premium?
Absolutely. Premium is an upgrade to your overall Neo experience, giving you higher cashback and new features. Perks are flexible monthly subscriptions focused on specific rewards, like Travel or Food & Drink. You can add these on top of your Premium plan to create a rewards experience tailored to you.
Does Premium work across all my Neo products?
Yes. Neo Premium is an additive perk. The figures listed above compare Base to Premium, but you will receive the same boost (+2% Grocery & Gas, +1% Neo network, +0.5% on everything else) across all Neo products.
Is Premium the only way of accessing boosted cashback?
With the introduction of our Do More, Get More plans, depositing a minimum value into your Neo Everyday account unlocks enhanced cashback levels. Premium boosts your cashback on top of this.
When does my Premium plan take effect?
Immediately. As soon as you’ve activated Premium on your card, you will be able to start enjoying the new features, benefits and boosted cashback rates.
Can I cancel my Premium plan?
Of course. Your rewards experience is yours to build. Just like perks, Premium is a monthly subscription that you can cancel anytime.
What happens if I cancel my Premium plan mid-month?
If you cancel your Premium plan mid-month, you’ll keep all the benefits until the end of the current month.
¹ Average based on current offers at select partners. Cashback may be limited and varies by perks, offer, and partner. Value increase is an average and depends on card use. Offer is subject to the Rewards Policy. Offer may be amended or cancelled at any time without notice.
² Cashback earn subject to minimum spend. Boosted cashback may be subject to monthly limits. Terms and conditions apply. For more information, visit the Neo app.
³ This insurance coverage is underwritten by Chubb Insurance Company of Canada under a Group Policy issued to Neo Financial Technologies Inc. All coverage is subject to the terms, conditions, limitations and exclusions outlined in the Certificate of Insurance, and for Quebec residents the Summary and Fact Sheet. The cost will be charged to the eligible Neo card that you signed up for the Neo Perks with. Neo, its employees and representatives are not agents of Chubb, nor can they waive or change any terms of the insurance coverage. View the full list of insurance certificates here: https://www.neofinancial.com/legal/plans
⁴ Member insurance benefits underwritten by The Wawanesa Life Insurance Company under a Group Policy issued to Neo Financial Technologies Inc. All coverage is subject to the terms, conditions, limitations and exclusions outlined in the insurance booklet.
⁵ Based on the maximum $500 category spending per month. Cashback may be subject to limits and varies by perk, offer, and partner. Terms and conditions apply. For more information, visit the Neo app
* Limited-time offer. This offer is only valid for new Neo customers who qualify for an eligible Neo product. Offer cannot be combined with other promotional codes, limit of one per customer. Customer will be charged monthly subscription fee after 30 day free trial. Customer has 90 days to complete the card application process. Offer is subject to the Neo Rewards Policy and may be amended or cancelled at any time without notice. Third party terms and conditions may apply.
The Neo Everyday account is provided by Peoples Bank of Canada.
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https://apps.apple.com/ca/app/neo-financial/id1495268044
https://play.google.com/store/apps/details?id=com.neofinancial.neo

English
Legal
Terms & Conditions
Privacy Policy
The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
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
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.
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.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.
By using this website, you accept our Terms and Conditions and Privacy Policy © Neo Financial 2024
We value your privacy
Hi there! We use cookies to enable essential website functionality, collect data, and customize your experience while keeping you safe. You can personalize your cookies to accept or reject the use of non-essential cookies.


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Compare plans
Flexible monthly subscriptions, no hidden fees. Choose a plan that works best for you.
Plans
Base
The free plan that makes everyday spending more rewarding
FREE
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Premium
Upgrade for more cashback + exclusive perks and features
$9.99
CAD
/mo
Get Premium
Everyday cashback¹
Gas	1%
3%
Groceries	1%
3%
All Other Purchases	N/A
0.5%
Partner cashback²
Restaurants, Cafes and Bars	Avg. 5%
Avg. 6%
Streaming Services	3%
4%
Ride Sharing Services	3%
4%
Food Delivery Services	3%
4%
Retail (online and in-store)	2%+
3%+
Features and Benefits
Credit Score Monitoring	
Purchase Protection³	
24/7 Legal Assistance⁴	
$2,500 Group Life Insurance⁴	
Personalized Insights	
Support
Chatbot Support	
Phone Support	
Priority Support	
Base
The free plan that makes everyday spending more rewarding
FREE
Get Base
Premium
Upgrade for more cashback + exclusive perks and features
$9.99
CAD
/mo
Get Premium
Got questions?
We've got answers.
Can I add other perks if I already have Premium?
Absolutely. Premium is an upgrade to your overall Neo experience, giving you higher cashback and new features. Perks are flexible monthly subscriptions focused on specific rewards, like Travel or Food & Drink. You can add these on top of your Premium plan to create a rewards experience tailored to you.
Does Premium work across all my Neo products?
Yes. Neo Premium is an additive perk. The figures listed above compare Base to Premium, but you will receive the same boost (+2% Grocery & Gas, +1% Neo network, +0.5% on everything else) across all Neo products.
Is Premium the only way of accessing boosted cashback?
With the introduction of our Do More, Get More plans, depositing a minimum value into your Neo Everyday account unlocks enhanced cashback levels. Premium boosts your cashback on top of this.
When does my Premium plan take effect?
Immediately. As soon as you’ve activated Premium on your card, you will be able to start enjoying the new features, benefits and boosted cashback rates.
Can I cancel my Premium plan?
Of course. Your rewards experience is yours to build. Just like perks, Premium is a monthly subscription that you can cancel anytime.
What happens if I cancel my Premium plan mid-month?
If you cancel your Premium plan mid-month, you’ll keep all the benefits until the end of the current month.
¹ Based on the maximum $300 category spending per month. Cashback may be limited and varies by perks, offer, and partner. There may be monthly limits for boosted cashback offers. For more information, visit the Neo App.
² Cashback earn subject to minimum spend threshold. There may be monthly limits for boosted cashback offers. Terms and conditions apply. For more information, visit the Neo App.
³ This insurance coverage is underwritten by Chubb Insurance Company of Canada under a Group Policy issued to Neo Financial Technologies Inc. All coverage is subject to the terms, conditions, limitations and exclusions outlined in the Certificate of Insurance, and for Quebec residents the Summary and Fact Sheet. The cost will be charged to the eligible Neo card that you signed up for the Neo Perks with. Neo, its employees and representatives are not agents of Chubb, nor can they waive or change any terms of the insurance coverage. View the full list of insurance certificates.
⁴ Member insurance benefits underwritten by The Wawanesa Life Insurance Company under a Group Policy issued to Neo Financial Technologies Inc. All coverage is subject to the terms, conditions, limitations and exclusions outlined in the insurance booklet.
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The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
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
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.
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.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.
By using this website, you accept our Terms and Conditions and Privacy Policy © Neo Financial 2024
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JA Knowledge Hub
JA Knowledge Hub
Designed for teens, great for all.
Your source to learn about all things money. Access bite-sized learning modules to build your financial knowledge and skills.
JA Canada and Neo Financial logos
JA Canada is proud to partner with Neo Financial™ to provide you with answers to your money questions and support your journey to financial independence. JA learning experiences are designed to inspire people like you, to discover your potential, set life goals and succeed.
Your Money Questions, Answered
Bite-sized learning from the experts at JA, breaking down everything you need to know about your finances.

How do I pay for things?
Introduction to payment methods
Dive into this introductory digital learning experience and discover how to pay for things! Differentiate between various payment methods and discover how to make informed decisions when choosing a payment method.

Learn More
Debit & Prepaid Cards
Learn about debit and prepaid cards and unlock the secrets of responsible spending, understand daily limits and how to set up automatic payments. Discover how you can successfully manage transactions, protect against fraud, and manage card settings to your preferences with this method of payment.

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Sending & Receiving Money
Unlock the power of INTERAC e-Transfer® in this interactive learning experience! Learn to send money, choose between email or text notifications, and explore Autodeposit – all from your mobile device! You’ll also find out how to safeguard transactions with passwords and master the steps for secure, swift transfers.

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Mobile Wallets
Explore the world of seamless transactions with mobile wallets! Learn how to securely link cards, make purchases without physical cards, and enjoy real-time tracking. Master the steps and weigh the pros and cons of this digital payment method.

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Cash
Discover the ins and outs of paying with cash! Understand when and how to use cash safely, and learn about the potential risks and advantages of this classic payment method. Navigate the world of cash payments and feel empowered to make informed choices.

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Gift Cards
Explore the versatility of gift cards, from reloadable options to digital versions. Gain practical insights and explore the advantages and limitations of this payment method to feel confident when paying with gift cards.

Learn More
Credit Cards
Explore credit card basics! Be introduced to the concepts of interest charges, credit limits and borrowing responsibly. Navigate the potential risks, like overspending, while understanding the benefits of this widely accepted payment method.

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Put Your Money Smarts to the Test!
Put your learning to the test about the diverse world of payment methods. Wrap up with a few interactive activities to show what you know about making informed payment decisions in any situation.

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Bring your learning to life with the JA Money card—powered by Neo
The debit card alternative designed to bring the best practices in JA’s teachings to life. The JA Money card equips you with tools to build money independence, with no monthly fees, instant rewards, and advanced security features. Sign up from your phone or laptop in only 3 minutes!
Learn More
Meet the JA Money Card
Got questions?
We’ve got answers.
Who is Neo Financial?
Neo Financial™ is a financial services company that’s helping Canadians build a better financial future with spending, savings, and rewards. Learn more at neofinancial.com.
Who is JA Canada?
JA Canada (Junior Achievement of Canada) is a renowned non-profit educational organization. Through its national network of local offices, JA collaborates with educators, volunteers, and organizations to deliver hands-on, immersive, and digital learning experiences to young people. JA inspires the next generation to realize their potential equipping youth with financial education, entrepreneurship and transferable work readiness skills. Learn more at www.jacanada.org.
What is the JA Money card—powered by Neo?
Neo Financial™ and JA Canada have partnered to deliver a prepaid Mastercard® that is a debit card alternative. The JA Money card is built to help teens from the age of 13¹ to take control of their finances in a safe, secure, and educational environment. Learn more at ja.neofinancial.com.
How can I access more learning content from JA Canada?
To access more trusted content for youth from JA Canada on topics such as entrepreneurship and work readiness, visit www.jacampus.org.
The JA Money card is a prepaid Mastercard® issued by Neo Financial pursuant to license by Mastercard International Incorporated. The JA Money card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
¹ Account only available to Canadian residents. You must be at least 13 years of age if you reside outside of Quebec; if you reside in Quebec you must be at least 14 years of age.
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The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
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
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.
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.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.
By using this website, you accept our Terms and Conditions and Privacy Policy © Neo Financial 2024
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What if the future of banking wasn't a bank?
Almost everything we do has been made better with technology, so why hasn't the way we manage our money?
What if the future of banking wasn't a bank?
Andrew Chau - Co-founder & CEO
“
Neo Financial was built on the premise that Canadians have been underserved in their finances for far too long.
Andrew Chau
Co-founder & CEO
Made in Canada
Our home is in the prairies where we're transforming the prairie provinces into a technological powerhouse. Our foundation was built by industry leaders and continues to draw world-class talent.
Explore Careers
Made in Canada
No branches. No lines. No limits. Just innovation.
No branches. No lines. No limits. Just innovation.
Being a financial technology company (fintech) has its advantages. The only limit is our imaginations.
Our founders
We know how technology can be used to improve everyday life. After building SkipTheDishes into a top 10 brand in Canada, we're now set on challenging conventions with a smarter spending, saving and rewards experience for Canadians.
Andrew Chau - Co-founder & CEO at Neo
Andrew Chau
Co-founder & CEO
Chris Simair - Co-founder, President & Head of Operations at Neo
Chris Simair
Co-founder, President & Head of Operations
Jeff Adamson - Co-founder & Head of Partnerships at Neo
Jeff Adamson
Co-founder & Head of Partnerships
Kris Read - Co-founder & Head of Engineering at Neo
Kris Read
Co-founder & Head of Engineering
Our trusted financial services providers
MastercardPeoples
We've come so far, and we're not slowing down anytime soon
We've come so far, and we're not slowing down anytime soon
We're on a journey to reshape the financial future for millions of people in Canada. Here are some milestones we've passed along the way.
4.8
On the App Store®
750 +
Employees
$299
Million raised
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Terms & Conditions
Privacy Policy
The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
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
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.
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.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.
By using this website, you accept our Terms and Conditions and Privacy Policy © Neo Financial 2024

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Adopting AI for speed, security, and impact
Neo is a fast mover in purposefully designing our technology for AI data availability and rapid adoption, unlocking a number of advantages.
Get Started
AI Adoption
Accelerating development velocity and quality
Copilot is being leveraged to drive a 15% acceleration in development cycles.

AI-generated testing code has accelerated delivery and quality of Neo software teams with test coverage up to 10%.
acceleration
derisking
De-risking releases and increasing and reliability
Neo uses AI to generate test data, helping teams de-risk releases.
Advancing security and reducing vulnerabilities
Pressure testing systems for vulnerabilities on a proactive basis.

Leveraged to triage vulnerability reports and to scan code for security flaws for rapid solutioning.
advancing
empowering
Empowering customer success
Neo leverages OpenAI’s large language models to power self-serve support, delivering value faster to customers.

Chatbot-based interactions now account for 45% of all customer conversations.
Ready for the future?
Join Neo and experience how AI can improve how money works for you.

Get Started
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https://play.google.com/store/apps/details?id=com.neofinancial.neo

English
Legal
Terms & Conditions
Privacy Policy
The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
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
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.
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.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.
By using this website, you accept our Terms and Conditions and Privacy Policy © Neo Financial 2024
We value your privacy
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Keep up with Neo
Explore what we're up to from news features, podcasts, blogs, and beyond.
Neo Financial Ranks No. 1 on The Globe and Mail’s 2024 List of Canada’s Top Growing Companies
Neo Financial Ranks No. 1 on The Globe and Mail’s 2024 List of Canada’s Top Growing Companies
Neo Financial takes the top spot on Canada’s Fastest Growing Companies list with 38,431% revenue growth over three years, helping a growing number of Canadians access innovative financial services

New
How banks steer Canadians to digital-first approach
Neo Financial Partners with CI Financial to Launch Suite of Cutting-Edge Financial Solutions
Neo Financial Enhances Services to help Canadian Newcomers Establish Credit Profiles
Neo offers Quebec a more rewarding choice with a stable 4% high-interest savings rate on every dollar saved
Neo and JA Canada partner to provide the next generation of financial tools for students
New Cathay World Elite® Mastercard® - powered by Neo now available
Thought Leaders
How Andrew Chau's Fintech Company Put the Prairies on the Map
How Andrew Chau's Fintech Company Put the Prairies on the Map
DEVFESTYYC 2023 - Secrets of a Reliable, Scalable Microservice Architecture
DEVFESTYYC 2023 - Secrets of a Reliable, Scalable Microservice Architecture
2023 Start Alberta Tech Awards: Scaleup of the Year Award goes to Neo Financial
2023 Start Alberta Tech Awards: Scaleup of the Year Award goes to Neo Financial
Neo Financial Welcomes Ontario Government's Support for Open Banking, Payments Modernization
Neo Financial Welcomes Ontario Government's Support for Open Banking, Payments Modernization
Another way Neo is different from traditional banks — and it might surprise you.
Another way Neo is different from traditional banks — and it might surprise you.
Emily Gruber — Director, Enterprise Risk & Compliance, Neo Financial™

Listen to the podcast - Behind the Brand with Jeff Adamson
Learn from leaders who are reimaginging, innovating and transforming Canadian companies.

Listen now
Read More
Banking as seamless as an Airbnb reservation? That's the goal
Featured on Toronto Star
Canadian Youth Aged 13 and up Can Now Supercharge Their Savings With a Neo High-Interest Savings Account
Featured on Financial Post
Tim Hortons selects Neo Financial to power its launch into financial services with the Tims® Credit Card
Featured on Financial Post
Neo Financial, Jobber, Waitwell among winners of sixth annual start Alberta tech awards
Featured on BetaKit
Neo Financial reinvents Canadian credit card reward programs with subscription-based cashback, partner access and insurance bundles
Featured on Business Wire
Canadian Unicorns Neo Financial, Ada Lead LinkedIn's 2022 Top Startups List
Featured on BetaKit
Neo Financial Anounces $185 Million Series C Raise at a Unicorn Valuation
Featured on Business Wire
Neo Financial launches secured credit card to help canadians build credit
Featured on BetaKit
Neo Financial Ranks First in Deloitte's 2023 Technology Fast 50 Companies to Watch
Featured on Business Wire
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English
Legal
Terms & Conditions
Privacy Policy
The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
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
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.
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.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.
By using this website, you accept our Terms and Conditions and Privacy Policy © Neo Financial 2024

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Become a Neo Ambassador
As a Neo Ambassador, you'll play a key role in connecting your community to a better financial future and earn unlimited referral bonuses¹ while doing it.
Get Started
Become a Neo Ambassador
Ambassador
Ambassador
Share Neo with your clients and network to receive referral bonuses¹.
Get Started
Connect
Be a part of a community of innovators looking to shake up Canadians' financial journey. Our Ambassadors enjoy curated events and experiences, are part of a network of hundreds of people across the country, and have access to industry leaders.
Connect
Earn
Earn
The more you share, the more you earn. Get unlimited bonuses¹ for referring your community to Neo at events or on your own time, depending on which program you choose.
Grow
Expand your knowledge set, build your network, or launch your career. The possibilities are endless. Access top tier sales training, meet industry leaders, explore new tactics in marketing and community building, all while staying up to date on the latest technology in fintech.
Grow
Invest in yourself today, start your journey tomorrow
Join the Ambassador community. We can't wait to have you on board.

¹ Limited-time offer. Referral bonus is conditional on the Referred individual: (i) signing up for the Neo Ambassador Program, and accepting to be bound by the Neo Ambassador Program Terms, the Neo Platform Terms and Conditions, Neo Rewards Program, and Privacy Policy; and (ii) completing three shifts or cumulative 12 hours of work.
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Invest
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Contact
https://apps.apple.com/ca/app/neo-financial/id1495268044
https://play.google.com/store/apps/details?id=com.neofinancial.neo

English
Legal
Terms & Conditions
Privacy Policy
The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
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
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.
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.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.
By using this website, you accept our Terms and Conditions and Privacy Policy © Neo Financial 2024

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Build a better financial future for all Canadians
At Neo, we're delivering a financial experience that's long overdue for Canadians — using technology to help Canadians get more value from every dollar they earn, save, and spend. To accomplish this mission, we're looking for people who want to be a part of lasting change.
View Open Positions
Build a better financial future for all Canadians
Who we are
Who we are
At the heart of our company is our talented team. From world-class creative minds to brilliant engineers, it's the people that make Neo a workplace with passion and purpose. We want to challenge the old way of doing things and make a positive impact in the life of every Canadian by building smarter financial tools for all. We're taking on a monumental task, so we need fearless, driven individuals who have what it takes to achieve the impossible.
Is working at Neo right for you?
The people who thrive at Neo are resourceful, relentless, and want to win. We hold ourselves to high standards because we’re on a mission that matters—to transform financial services for the better. If that’s what you’re looking for, read on.
Is working at Neo right for you?
We’re building a better financial future for all Canadians
Every day, we break new ground, as we build a financial brand that challenges the big banks and helps our customers get more value for every dollar they earn, save, and spend. Your work at Neo will be experienced by millions of Canadians—a daily impact on real people that you won’t find in many workplaces.

As Neo grows, so will you
Joining Neo means betting on yourself and discovering your full potential. As individuals and as a team, we continually challenge ourselves and each other to do our best work. We’re making change happen at a rapid pace—providing endless opportunities to sharpen your skills, expand your knowledge, and find new solutions to complex problems. That means rapid career progression and constant learning opportunities.
As Neo grows, so will you
Be part of a winning team
We trust, respect, and show up for each other. That means truthful conversations, frequent feedback, and working with people who push you to be your best. We’re evolving quickly as an organization, we work together in person, and the pace of progress isn’t for everyone. That’s why we’re looking for change-makers who love a challenge—who would rather blaze a trail through uncertainty than travel a well-paved road.
Joining Neo means taking ownership
Our team members earn meaningful equity in the company through stock options—so Neo’s growth benefits everyone who helps make it happen. That also means taking on more responsibility than you may have had at your last job. We don’t get hung up on job titles or hierarchy—we’re focused on doing what it takes to accomplish our mission.
Joining Neo means taking ownership
It doesn't matter where you start at Neo, you're going to get a chance to make an impact.
“
It doesn't matter where you start at Neo, you're going to get a chance to make an impact.
Britta Jorgenson
Product Manager
We're building a healthier relationship between Canadians and their money.
“
We're building a healthier relationship between Canadians and their money.
Richard Okeke
Activations
Live and work in Canada’s most promising cities
We’re proudly building a financial technology sector in the Canadian Prairies, helping to transform the economy and create opportunity for generations to come. Calgary and Winnipeg are home to a get-it-done spirit, fast-growing tech ecosystems, and outstanding quality of life—yet with a lower cost of living than other cities. Neo gives back to the Prairie tech community in both cities, so you’ll have great opportunities for continuous learning, professional growth, and meeting new people at events like our popular Tech Thursdays.
Calgary
Calgary
Come work in a cosmopolitan city that straddles the Prairies and Rocky Mountains. Neo's headquarters are in the historic Bay building, where retail floors have been converted into an open office. We're downtown, with easy access to amenities.
Winnipeg
Winnipeg
Join us in Manitoba's diverse capital, known for its friendly people, distinctive four seasons, rich culture, and affordability. You'll find the Neo team in Winnipeg's Exchange District, where there are plenty of places to grab a bite to eat.
Neo Financial is an equal-opportunity employer
We’re excited to meet and hire the top talent. Successful candidates will be required to undergo security screening and appropriate background checks.
Looking for a career with purpose? Let's chat!
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The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
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
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.
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.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.
By using this website, you accept our Terms and Conditions and Privacy Policy © Neo Financial 2024

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 Statements and transactions
View your credit card statement
Updated 21 days ago
View your monthly statements online by going to your credit accounts. You can also choose to receive paper statements mailed to your address.

You'll get an email notification every month when your statement is ready.

View your statements
Your credit card statement becomes available by the end of the day on the statement date. You’ll get an email every month when your statement is ready. The statement will contain all the transactions you’ve made during the billing cycle.

Neo app
Log in to the Neo app
Select Credit from the top and select your credit account
Tap Details and select View statements
Select the date of the statement to view
Web
Log in to member.neofinancial.com
Click on Credit and select your credit account
Scroll down and select Statements 
Select the date of the statement to view
Paper statements
You can choose to receive paper statements for $2.50 per month.

Request paper statements
Contact us to get paper statements mailed to you every month. Paper statements cost $2.50 per month, and the fee will be charged to your credit account on the statement date. The statements will be sent through Canada Post regular mail to the mailing address on your Neo account.

Paper statements can take up to one week (excluding statutory holidays and weekends) to arrive in the mail. If you don’t receive a statement within one week, check out if there are any delivery service disruptions in your area.

Statements for closed credit accounts
If your credit account is closed, you’ll still receive emails on your statement date if there’s a remaining positive or negative balance. 

Stop receiving statements for closed credit accounts
To stop receiving electronic statements for a closed credit account, make a payment to get your balance to $0.00.

If you have an outstanding balance on your closed credit account, you can contact us to request a transfer of the negative balance.

Understanding your credit card statement
Your credit card statement contains all transactions and account activity during the billing cycle. Learn more about the information in credit card statements.

FAQs
Can I request a credit account statement for a certain date range?
No, you can’t request a credit account statement for a specific date range. Statements are issued monthly and cover all transactions for that billing cycle. If you’re waiting for your first statement, you’ll need to wait until the end of your billing cycle.

Can I change my credit card statement or payment due date?
No, you can’t change your credit card statement or payment due date. Your statement billing cycle is based on your account opening date, and the payment due date is 21 days after the statement date.

Can I request a refund for the paper statement fee?
No, paper statement fee is non-refundable. To avoid $2.50 paper statement fee, view your credit statements on the Neo app or website.

How can I save and print my credit account statement?
To save and print your credit account statement:

View the monthly account statement
Select the Save icon to download the PDF document
Open the downloaded PDF and print it
How can I download a CSV file of my credit transactions?
Currently, we don’t offer the option to download a CSV file of your credit transactions.

 

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 Getting your new card
Activate your physical card
Updated 18 days ago
When you receive your card in the mail, activate your physical card online. Go to Activate and enter your card number, valid thru date, CVC, and the PIN you set up when you ordered your card.

You can also call 1-833-620-3132 to activate your card over the phone.

Activate your card online
Go to Activate to activate your new card. You can also log in to your Neo account to activate your card. If it’s your first time logging in, you may need to reset your Neo account password.

Neo app
Log in to the Neo app
In the Accounts tab, select All
Select your account, tap Card, and then tap Manage
Tap Activate and input the CVC and valid thru date to activate your physical card
Web
Log in to member.neofinancial.com
Click on Cards from the left side menu
Click on the side arrows to select your card
Select Activate and input the CVC and valid thru date to activate your physical card
To make your first transaction with your physical card, insert your card into the payment machine and enter your 4-digit PIN.

Activate without logging in
To activate your physical card without logging in, you’ll need your card details and the 4-digit PIN for your card. 

Go to Activate
Input your card number, valid thru date, CVC, and 4-digit PIN
Select Continue to activate your physical card
If you don’t remember your 4-digit PIN, then log in to your Neo account to activate your physical card and view your PIN.

Activate your card over the phone
Call <PRESIDIO_ANONYMIZED_PHONE_NUMBER> to activate your physical card over the phone. You'll need to provide your card number, valid thru date, CVC, and 4-digit PIN.

Having trouble activating your physical card?
If you’ve inputted incorrect card details 3 times or the incorrect 4-digit PIN for your card during activation, your card will be locked for 24 hours. 

Wait 24 hours after your last activation attempt before trying to activate your card again or contact us to get help with activating your card

In the meantime, you can view your virtual card details to make online purchases or add your card to the mobile wallet to make in-store purchases.

If you’re using your mobile wallet, the tap limit is $250.

Using your card for the first time
For your first purchase with your card, you’ll need to insert the card and use your PIN. 

View your PIN
Your PIN was set when you ordered the card. If you don’t remember the number, here’s how to view your PIN. 

 

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 Manage your profile
Change your personal account information
Updated 2 months ago
You can update your email, phone number, or address directly from your Neo profile. Chat with us to change other information (like your legal name, SIN, or tax details).

Go to your personal details
Your personal details are in the account settings in your Neo profile. 

Neo app
Log in to the Neo app
In the Accounts tab, tap the Profile icon
Select Personal details
Web
Log in to member.neofinancial.com
Click on the Profile icon and select Account
Click Personal Details
Update your email address
To update the email address associated with your Neo account, you first have to add a secondary email. After you add a secondary email, you can set the secondary email as your new primary email.

Go to your Neo profile
Click Add a secondary email
Enter your new email and click Continue
Enter the 6-digit code sent to your email
Select Edit next to secondary email
Click Make primary email
Update your phone number
You can update your phone number from your Neo profile. You’ll have to verify your new phone number by receiving a text message with a 6-digit code. 

If you can’t log in to your Neo account because you no longer have access to your phone number, call us to log in to your Neo account.

Update your home address
You can update your home address from your Neo profile.

Update your mailing address
Chat with us to update your mailing address.

Contact us to update other personal details
Chat with us to change your SIN, update your legal name, or change other personal details not listed in your Neo profile.

 

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Edit Reminders & Alerts preferences
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How Neo manages your account data
What to do if an account holder passes away?
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 Security essentials
Reset your Neo account password
Updated 2 months ago
To reset your password, we’ll send a temporary link to the primary email address associated with your Neo account.

If you’re resetting your password because there is suspicious activity on your Neo account, then contact us after you reset your password.

Reset your password
Request a temporary link to the primary email address associated with your Neo account. After you verify yourself, you can create a new password. 

Neo app
From the log-in screen, tap Sign in then Forgot password?
Enter your primary email Go to your email, find the Reset your password email, and tap Reset password
Choose an option to verify your identity
Set a new password and confirm the new password
Web
Go to member.neofinancial.com and click on Forgot your password?
Enter your primary email, go to your email, find the Reset your password email, and click on Reset password
Choose an option to verify your identity
Set a new password and confirm the new password
It can take a few minutes to receive the email with the temporary link to reset your password. You can only request 5 links in a 24-hour period.

Identity verification methods
There are two ways you can verify your identity to reset your Neo account password:

Use any active card details
Enter the CVC, valid thru date, and postal code of your credit card or Neo Money™ card to verify your identity.

One-time verification code
Enter the 6-digit verification code sent to your phone number registered with your Neo account. If the phone number is a landline, you'll receive the code via an automated phone call.

If we can't send the verification code via text, you'll receive the verification through an automated phone call.

Didn’t receive the password reset email?
It can take a few minutes to receive the email. If the password reset email is not in your inbox, you may also want to look in the junk or spam folder.

If you still don’t find the email, then you can request a new password reset link.

Check the spelling of your email before requesting a new password reset link.

Possible reasons for not receiving the password reset email
There are two common reasons why you may not have received the email to reset your password:

Password reset limit exceeded: You’ve made 5 email requests in 24 hours. Try again after 24 hours from your last request for a password reset email.

Soft lock: Your Neo account is locked for 30 minutes because you made 6 failed attempts to log in. Try again after 30 minutes from your last log in attempt.

Don’t know your primary email?
Your primary email address is the main email associated with your Neo account that you use to log in. The primary email is likely the email address you used when you first created your Neo account (unless you changed the primary email address in your Neo profile).

If you don’t remember the primary email address associated with your Neo account, contact us.

Create a strong password
To create a strong password, use a combination of upper and lower case letters, numbers, and symbols for added strength. Long passwords are harder to guess, and combining unrelated words further extends security. You can use a password manager to generate strong passwords. For the Neo app or website, enable additional security on your devices like fingerprint or face recognition.

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 Apply for a new product
 Application status
Application or account information review
Updated 15 days ago
We may need to review the information in your Neo product application or account to ensure that we have your current information. You will receive an email if we need more details or additional documents.

Information reviews usually take a few business days to complete. We will email you with an update once the review is completed.

What if your application is under review
If your application is under review, we’re reviewing your details. You will receive an email with updates or asking you for more details.

Keep an eye on your email including junk/spam folder.

Did we ask for more details or documents?
If we ask for more details or documents, find the instructions in the email how to send us the requested details or documents.

Here are some common types of documents:

Photos of same ID document you have used in the application
Photos of secondary ID document
Proof of your address, such as utility bill or bank statement issued within the last 3 months
Learn more about valid ID documents.

How to check your application status
Your application status shows if you're ready for the next steps to finish your application or if you haven't been approved for a Neo product. 

Neo app
Log in to the Neo app
In the Accounts tab
You can see the status of your Neo product application
Web
Log in to member.neofinancial.com
Click on Accounts
You can see the status of your Neo product application
After your application is reviewed
We’ll email you with steps to finish your application or notify you if your application wasn’t approved.

Your application is approved
If your application was approved and it still says "in-progress," log in to your Neo account, accept the terms and conditions, and finish setting up your account.

Neo app
Log in to the Neo app
In the Accounts tab, tap Continue to finish the in-progress application
Read and accept the terms and conditions
Web
Log in to member.neofinancial.com
Click on Accounts and select Continue to finish the in-progress application
Read and accept the terms and conditions
Your application wasn’t approved
If your application wasn’t approved, you can find out why we might not have approved you. Before you submit a new application, chat with us to see if you’re reapply. 

If your application wasn’t approved due to credit reasons, we advise you to wait for a few months before reapplying to avoid impacting your credit score.

What if your account is under review
You don’t need to contact us if your account is under review. Our team will email you with more instructions or notify you that your account is ready to use.

Can’t accept the terms for your credit card
If you can’t accept the terms and conditions, you may have closed a credit account within the last 12 months. To get a new credit card, you must wait 12 months from the opening date of your most recent account.

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 Report transaction issues
Report a transaction issue
Updated 21 days ago
If there’s a problem with a transaction you made with your card, you can report an issue from the transaction details. Go to your transaction on the Neo app or website and select Report issue to start a dispute claim.

Types of transaction issues you can report
You can report transactions you made with your card if there were issues with the purchase or if someone else used your card.

Missing rewards
If you’re missing a cashback or other rewards from a purchase, go to the transaction details and select Report issue. Here’s a step-by-step guide to report missing rewards.

Unauthorized transactions
If you’ve noticed transactions you didn’t make, go to the transaction details and select Report issue. Here’s a step-by-step guide to report unauthorized transactions.

Problems with a transaction 
If you have problems with a transaction you made (such as charged incorrectly or didn’t receive the goods or services as promised), you can report the issue and our team will review your claim. Go to the transaction details and select Report issue.

Try reaching out to the merchant if you have a problem with a transaction you made. If the merchant doesn’t resolve the issue, then you’ll have more evidence to support your claim.

Dispute a transaction you made
To raise a dispute claim, select Yes when asked if you recognize the transaction. You can’t dispute transactions from Neo, including Perks (and Premium) and fees on your credit card.

Neo app
Log in to the Neo app
Tap Credit or Money and select the account that has the transaction
Scroll down and select the transaction that you’d like to dispute
Tap Report issue 
Follow the instructions to submit your dispute claim
Web
Log in to member.neofinancial.com
Click on the Credit or Money from the left-side menu and select the account
Scroll down and select the transaction that you’d like to dispute
Click on Report issue
Follow the instructions to submit your dispute claim
Common types of transaction issues you can dispute
You can dispute three main types of issues with your transactions on the Neo app or website. Chat with us if you’ve any other transaction issues than those mentioned below.

Goods or services not as promised
If you’ve received goods or services that don't meet the expectations, you can raise a dispute with us by selecting Goods or services not as promised under What’s wrong with the transaction?

Charged incorrectly
If you’ve been charged twice or incorrectly for the purchase, you can raise a dispute with us by selecting Charged incorrectly under What’s wrong with the transaction?

Missing refund
If you were promised a refund for a returned purchase, but you never received the refund, you can raise a dispute with us by selecting Missing refund under What’s wrong with the transaction?

Want to dispute a subscription payment?
If you want to dispute a subscription payment for Amazon, Apple, Google, Netflix, or other service providers, contact the provider directly to sort out a dispute. If you’ve tried to resolve the dispute with the provider and it hasn’t been settled, you can raise a dispute with us from the Neo app or website.

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