The power of money in your hands

Start building your independence with tools to manage your money, save smarter, and earn rewards. Made for teens, aged 13-17¹.

Canada's #1 rated financial app²

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An 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 Youth High-Interest Savings account (HISA)

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 4.00% interest³ on every dollar, so your money earns even more money
Get Started

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
Get the card
JA Money card

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
Download app
No branch visits—ever

We've got your back

Safe and secure money

All deposits and payments are protected by world-class security infrastructure.

Safe and secure money

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.

Get notified in real-time

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.

Advanced app security

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.

Learn more
Fresh financial content for free

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
Who is Neo Financial?

Get the #1 rated financial app in Canada²

4.8*App store rating
1M+Engaged Users
#1Financial app in Canada²
Our trusted financial services providers
PeoplesMastercard

All in one powerful app.

Get started in minutes, with no branch visits required.

Got questions?

We've got answers.

The Neo High-Interest Savings account is provided by Peoples Bank of Canada.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.caThere are no transaction fees applicable to the Neo High-Interest Savings account. If you require a printed version of a monthly statement or other document, a $5 fee applies for each printed document.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.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.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.¹ 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, 2023.² 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.³ Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice.⁴ Based on research of high-interest savings accounts, comparing and limited to: BMO, CIBC, Scotiabank, TD Bank, RBC, Simplii Financial, Desjardins, and Tangerine. Research conducted by Neo Financial and based on data taken from public websites on November 28, 2023. Research includes promotional offers with a term of 0-5 months.