Neo Financial Waitlist Terms and Conditions

These Terms and Conditions form part of your application to join Neo Financial (Neo)’s waitlist for consumer financial services. In these Terms and Conditions, the words “we”, “our”, and “us” refer to Neo. The words “you” and “your” refer to the Waitlist Applicant (the Applicant). If your application is approved, the Applicant and any Co-Applicant will be the primary cardholder(s) under the Cardholder Agreement.


Neo will collect, use and disclose your personal information in accordance with Neo’s Privacy Policy. Neo’s commitment to protecting your privacy is set out in Neo’s Privacy Policy. You may obtain a copy of this policy by visiting Personal information is any information that identifies you as an individual. If you have any questions about the collection, use or disclosure of your personal information, please contact Neo’s privacy officer at

You may ask us not to use your personal information to promote Neo or third party products and services or not to give your personal information to third parties so they can promote additional products and services to you. You may make this request by sending an email to .


Neo’s statements regarding its plans, directions and intent are subject to local laws, regulations and obtaining the necessary regulatory approvals and authorisations. Information on this website is subject to change or withdrawal without notice at Neo’s sole discretion. Information on this website is intended to outline our general product direction and it should not be relied on in making a purchasing decision. This information is not an offer, commitment, promise or legal obligation to deliver any material, code or functionality. Information about potential future products in Canada may not be incorporated into any future contract. The development, release and timing of any release in Canada remains at the sole discretion of Neo.


Becoming a Waitlist Applicant in no way guarantees that you, the waitlist applicant, will be approved as a Neo Cardholder or Account holder. Neo reserves the right, in its sole discretion, to review the applicant information at time of product application and accept or decline the waitlist applicant.


At the time of future application, if your application is approved, you agree to abide by the Neo Financial Personal Cardholder Agreement (Cardholder Agreement) provided to each cardholder(s) when the Card is issued, and by the terms of the Disclosure Statement and Rate and Fee Schedule which forms part of and is provided to the primary cardholder(s) with the Cardholder Agreement, each as may be amended or replaced from time to time. The Card may be returned if you do not wish to be bound by the Cardholder Agreement, but if you sign, use or accept the Card or use the Card Account in any manner, it will mean that you accept and agree to the terms of the Cardholder Agreement and the Disclosure Statement and the Rate and Fee Schedule. Please retain a copy of your completed application for your records.


If you are a member of the Neo waitlist, you may be entitled to voluntarily participate in the Neo refer a friend program (the Referral Program) . A unique website link is assigned to your waitlist account, referred to as your personalized referral link (Referral Link) . To participate in the Referral Program, you will need to refer friends who have not already joined the waitlist (Friends) and invite your Friends to join the waitlist using your Referral Link.

You will earn referral credit (Referral Credit) in the amount we determine from time to time once your Friend (Referred User) has spent a certain amount (Eligible Amount) on their Neo card. Criteria for Eligible Amount is determined in our sole discretion, and may change over the course of the Referral Program. Referral Credit will be applied automatically against your balance, but will not qualify as a payment. The amount of Referral Credits earned and redeemed are subject to change at any time at Neo’s sole discretion.

Neo reserves the right, at its sole discretion, to deny you or a Referred User access to a Neo Card for reasons including, but not limited to suspected fraud, inadequate credit history, or failure to meet the eligibility criteria for the product. In this case you would not receive Referral Credit.

The Referral Link may only be used for personal and non-commercial purposes. You may share your link with your personal connections via social media, email, or word of mouth, where you are the primary content owner. In cases where you are not the primary owner of the content or website (e.g., Wikipedia, coupon websites, affiliate websites, discussion forums, etc.), public distribution is not allowed. Promoting or advertising your Referral Link via search engine marketing or any other paid advertising media (e.g., Bing/Yahoo/Adwords) is not allowed. You are not allowed to misrepresent your relationship with Neo, and you will not make any warranty or representation on behalf of Neo. You are not allowed to refer yourself or members of your household for the purposes of earning Referral Credit.

Neo reserves the right, at its sole discretion, to deactivate your account(s) and revoke the Referral Credits of any account holder who it finds or believes to be earning or using Referral Credits against these Terms of Service, or who is manipulating or abusing Neo Services or the Neo Platform.

For greater certainty, we reserve the right, at any time and in our sole discretion, to add to or amend these Terms of Service in relation to the use of the Referral Program or to vary or terminate the operation of a Referral Credit issued pursuant to the Referral Program at any time without notice.


We may from time to time offer reward or other incentive programs (the Program) in connection with the Card Account. You understand that eligibility for rewards under the Program will be subject to the requirements of the Program and you agree to be bound by the terms of the Program (to be sent by Neo to you with the Card and as may be amended or replaced from time to time) and agree that any use of the Card will signify acceptance with the terms and conditions of the Program. We reserve the right to cancel or amend the Program without notice.


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The Neo Savings account is provided by Concentra Bank, a CDIC member institution, and is eligible for CDIC deposit protection. Deposits held in Neo Savings accounts are combined with eligible deposits held at Concentra Bank, for up to $100,000 of deposit protection, per category, per depositor.

Cards issued by ATB Financial pursuant to license by Mastercard International Inc. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc.

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. © 2021 Neo Financial.