The power of money in your hands
Start building your independence with these youth financial services & tools to manage your money, save smarter, and earn rewards. Made for teens, aged 13-17¹
Canada's #1 rated financial app²
Get StartedAn ultra-powerful app with features designed for you
Get a debit-like card and a savings account for teenagers with no account fees, no minimum balances, or deposits (because your money should work smarter).
Neo Cash account for youth
Create personalized savings goals.
- Open multiple accounts for different savings goals, from grad trips to new clothes
- Set goal amounts and customize your account with names and icons
- Earn 2.5%³ on every dollar, so your money earns even more money
JA Money card
Get rewarded for the things you want.
- Earn cashback on brands you love
- Redeem cashback whenever you want
- Understand your spending better with budgeting tools and insights

Next generation money tools
No branch visits—ever
Instantly manage your accounts and card directly in the Neo app.
- Access your virtual card and use it instantly to make purchases online—no waiting for your physical card to arrive
- Freeze and unfreeze your card instantly
- Change your PIN anytime

We've got your back
Safe and secure money
All deposits and payments are protected by world-class security infrastructure.
Get notified in real-time
Stay in the loop about your spending activity. Get alerts whenever money comes in or goes out of your account.
Advanced app security
We’ve got cool features you can manage like Face ID, fingerprint lock, and two-factor authentication to keep your accounts safe.
Fresh financial content for free
Learn money management skills and build confidence with unlimited access to bite-sized financial content and tools in the JA Knowledge Hub.

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 about Neo Financial
Get the #1 rated financial app in Canada²


Got questions?
We've got answers.
Yes, funds in Neo Cash accounts are eligible for CDIC protection.
The Neo Cash account is offered by Neo Financial Technologies Inc. (“Neo”), a FINTRAC-registered money services business. The funds added to Neo Cash accounts are ultimately held securely in trust in the name of the primary account holder with one or more member institutions of the Canada Deposit Insurance Corporation (“CDIC”). Neo is not a CDIC member institution; however, eligible funds held in trust are insured by CDIC for up to $100,000 per beneficiary, per member institution in the event of a member institution’s failure, provided certain disclosure rules are met. Funds are settled with any CDIC member institution within three business days of the funds being reflected in your account.