Earn up to 15%² cashback on purchases

With the Neo Money™ card, you earn when you deposit and when you spend.

Got questions?
We’ve got answers.

¹ Based on the maximum $300 category spending per month. Cashback may be limited and varies by perks, offer, and partner. There may be monthly limits for boosted cashback offers. For more information visit the Neo App. 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.


² Average based on current offers at select partners. Cashback may be limited and varies by perks, offer, and partner.


³ There are no transaction fees applicable to the Neo Money™ account. If you require a printed version of a monthly statement or other document, a $5 fee applies for each printed document.

⁴ Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice. 

5 As awarded on August 25, 2021 by the Financial Post. 


Neo Money™ card and Neo Money™ account are not available for Quebec applicants.

Neo Credit and Neo Secured Credit cards are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. 

Limited-time offer. This offer is only valid for new Neo customers. Limit of one offer per customer, this offer cannot be combined with other promotional codes. Offer is subject to the Neo Rewards Policy and may be amended or cancelled at any time without notice. Third party terms and conditions may apply.


By using this website, you accept our Platform Terms and Conditions and Privacy Policy. © 2024 Neo Financial

Open an Account

1%¹

Everyday cashback

Save money on essentials with cashback on gas and groceries, no matter where you pay for them.

Neo partner cashback

5%²

Welcome offers

15%²

Open an Account

Works with a Neo Money™ account

Safe, secure deposits

Deposits are eligible for CDIC protection, and payments are protected by world-class security infrastructures.

Get notified in real-time

Know what's happening with your money at all times. Get notified anytime money goes in or out of your account, freeze and unfreeze your card instantly.

Pay bills with ease

Automate your payments from your Neo Money™ account, and never worry about late payments again.

Get more with Premium

I already have a Neo Money™ account set up, how do I get a physical card?
Simply log in to your account and select Cards under the main menu. You will see a carousel of cards to select from and order a Neo Money™ card to your registered address.

Is my money insured?
The Neo Money™ account is provided by Concentra Bank, a CDIC member institution, and is eligible for CDIC deposit protection. Deposits held in Neo Money™ accounts are combined with eligible deposits held at Concentra Bank, 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.ca.

Is the Neo Money™ card a debit card?
The Neo Money™ card is a prepaid card that lets you do things that a debit card does—like access cash and spend your money online and in-store without having to manually load funds onto your card.

How soon can I spend with my Neo Money™ card once I sign up?
Instantly. We set up a virtual card so you can make purchases online instantly. or add your card to your Apple Pay or Google Wallet to start spending.

Do I get cashback if I spend with my Neo Money™ card?
Yes! You’ll earn instant cashback on any transactions at partners in our rewards network.

Smarter than a debit card. The rewards of a credit card.

Get Neo Money

Unlock exclusive new features and boosted cashback today.

Earn up to

Earn up to 15% cashback² at thousands of Neo partners for first-time purchases. New offers added regularly.

Earn up to

Earn cashback on delivery, ride share and streaming services, at restaurants, bars, cafes, and retailers.

Start using instantly

There’s no need to wait for your physical card to arrive. Add your virtual card to Apple Wallet or Google Pay, and start spending as soon as you’re approved.

Upgrade your rewards with perks - flexible monthly subscriptions that boost your cashback and unlock extra benefits for your account.

Customize your rewards

Track your spending

See all your transactions broken down by spending category, track transfers and bill payments, and view your total cashback earned.

Earn 1%4 on every dollar

Earn 1% interest4 on every dollar deposited into your Neo Money™ account, paid out monthly.