The Better Way to Spend, Save, and Earn

High cashback¹ on spend

High interest on savings

Trusted by 1M Canadians

We’re making headlines

How it works




Open and fund your money account

Get instant, unlimited cashback¹ 

Earn interest on every dollar saved

Send an Interac® e-Transfer, link your existing bank account, or set up direct deposit

Use your Neo Money™ card to spend and earn high cashback¹  

at 10,000+ Neo partners

Interest is calculated daily and paid monthly

Instant, unlimited cashback¹ 




Get up to 15% cashback²

on first-time purchases

Enjoy an average 5% cashback² 

at thousands of partners

Earn at over 10,000  partner locations

No monthly or annual fees³

 Skipping the fees means you keep more money in your pocket while you earn cashback¹ at 10,000+ Neo partners

Budgeting made better 

Use the Neo app to track your spending habits so you can spend, save, and budget smarter

Voted Canada's Best High-Interest Savings Account⁴

Grow your money up to 225x⁵ faster than a traditional bank with Neo Money™




2.25%⁶ interest on every dollar

No minimum balance required

No annual or transaction fees

Safe and secure

With CDIC insurance for up to $100,000⁷ and security you can count on, you never have to worry about your money

Even more to love

Security at your fingertips

Free everyday transactions

Auto save & pay

Send and receive money with 

free Interac® e-Transfer requests

Freeze or unfreeze your card anytime, and get instant spend notifications

Stay on top of your finances with smart automations

Here's why people love Neo

1 million Canadians are already using Neo to better manage their money

Questions? We have answers.

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.

With Neo Money™ you are spending the money in your Money account. There is no credit check.

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.

Yes! You’ll earn instant cashback¹ on any transactions at partners in our rewards network. If you already have a Neo Card™ and a Neo Money™ account, you’ll earn cashback¹ on any pending transaction across both products. Two great products, same great rewards.

Simply log in to your account and select ‘Card’ under the main menu. You will see a carousel of cards to select from and order a new card to your registered address.

The Neo Money™ card is a prepaid Mastercard® issued by Equitable Bank pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Money™ account, which is provided by Concentra Bank.

The Neo Money™ account is provided by Concentra Bank.

® Trademark of Interac Inc. Used under license.

All product and company names, logos, brands, and images are trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

¹ 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 to the Neo Rewards™ Policy . Cashback and other offers and rewards are operated by Neo.

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

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

⁵ Based on research comparing high-interest savings accounts of Canada’s ‘Big 5’ banks, excluding promotional rates and rate premiums. Research was conducted by Neo Financial and based on data taken from public websites as at February 22, 2021.

⁶ Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice.

⁷ 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