Build your credit history without the guesswork

Improve your eligibility for higher credit limits in as little as 3 months. Unlock with the Build membership.

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Rated 4.8/5 on the app stores

Start where you are

Whether you’re brand new to credit or looking for a higher limit, the credit builder tool shows you what to do next.

Track your progress

Forget vague dashboards. With Neo, you get clear milestones and smart tips that show exactly how to improve.

Get rewarded

As you build healthy habits, Neo checks monthly to see if you’re eligible for a higher credit limit, without having to add security funds.

Why Neo’s credit builder is different

Traditional credit building often leaves you guessing. Neo gives you a structured path forward.

Credit building with Neo

Credit building with traditional banks

Path forward

Clear progress

No clear path forward

Credit limit increases

Regular checks for credit limit increases

Random credit limit increases

Steps forward

Transparent steps

Most important steps are unclear

Guidance

Tips and guidance

No guidance

Rated 4.8/5 on the app stores

Built for Canadians by Canadians

Over 400k Canadians use Neo to build towards better credit.

"Neo makes it so much easier to make the most of your money. Love the intuitive tools to help me make good financial decisions."

Matthew

"I never thought l'd enjoy opening a banking app this much. It just feels good. The rewards are a bonus. Instant cash back and so many of my favourite places are here!"

Bruce

"Getting really good cash back when I shop at my favourite local stores. Impressed with all the brands that they have on board."

Lisa

"I’ve had a great experience using Neo, especially with their high-yield savings account. The app is extremely user-friendly and intuitive. I really appreciate the lack of withdrawal fees and the competitive interest rates, which make it easy to grow my savings."

Romina

"Extremely easy to set up an account. Neo even pays interest for deposit transfers that are pending!"

Dean

Unlock with the Build membership

The Build membership is designed to build your credit history and help increase your limit. Only $7.99 / month.

Powerful tools
Get access to the credit builder tool and credit score monitoring.
Extra Neo features
Better rates and smarter tools that improve your entire Neo experience.
Ways to get it free
Get Build for $0 by keeping at least $5,000 across your Neo accounts or getting a World Elite® Mastercard.

About Neo's memberships