Neo Financial

BUILT. NOT WISHED FOR.

Your fortune got you here. Now get started with Neo for spending, savings and credit that puts your future into your own hands.

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  • 3% interest.² Up to 5% cashback³ on everyday spending. Chequing with rewards.

  • No minimum credit score requirements and tools that help you build.

  • Simple products, transparent rates, and an app that shows you where every dollar goes.

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As seen in:

The Globe and MailThe Financial PostBetakitDeloitteCNBC
The Globe and MailThe Financial PostBetakitDeloitteCNBC
The Globe and MailThe Financial PostBetakitDeloitteCNBC

YOUR EVERYDAY EFFORT PAYS OFF HERE

Spend, save, borrow, and invest with products designed to move your money forward.

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Neo Credit

  • Get up to 5% cashback on groceries, gas, and dining. Find the card that matches your needs.

  • Approval in under 5 minutes and instant access to your card to start using right away.  

  • All cards available with a secured credit limit so you can build your credit history, no minimum credit score required.
Explore Neo Cards
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Neo Saving account

  • Earn up to 3% interest on your savings.

  • No monthly fees, no transaction fees, and instant access to your money anytime.

  • Eligible for CDIC deposit insurance up to $100,000.

Explore Savings
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Neo Chequing account

  • Chequing now with cashback. Earn on gas & groceries, and an average of 5% at over 10,000 Neo partners.

  • No monthly fees. No minimum balance. No commitment.

  • Free Interac e-Transfer® and bill payments, plus real-time spending insights and budgeting tools in the app.

Explore Chequing

HOW NEO WORKS

Three simple steps stand between you and a better financial future.

Choose Your Product

1

Select from Neo’s full lineup — credit cards with cashback, high-interest savings account, no-fee chequing account. Pick what fits your life.

Apply in Minutes

2

One short application, all from your phone. No credit score minimum, no paperwork, no branch visit. Get approved in under 5 minutes.

Earn from Day One

3

Your accounts and virtual card are ready immediately. Cashback hits your wallet in real time and your savings start earning up to 3% interest from day one.

Rated 4.8/5 on the app stores

1.3+ MILLION CANADIANS TRUST NEO

See how everyday effort turns into real progress.

I’ve worked very hard to strengthen my credit history. Thank you Neo for giving me an opportunity to build.

Ryan Haughian

Awesome modern layout, quick and easy to use. Head and shoulders above the major Canadian banks. Love it so far after 3 years.

Alexander Scott

It’s helped me rebuild my credit, and I am ecstatic about it!

Eleanor Pye

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

GET STARTED IN MINUTES

Take your financial future into your own hands. Try Neo Financial to get what you’ve earned.

Apply now
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Have a question?

Here’s some common questions about the Neo.

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