A better way to grow and manage your money!
The Neo MoneyTM Account earns you 2.25%² interest on every dollar.
No minimum balances, no monthly or annual fees, and free everyday transactions.
- No fees, 2.25% interest rate
(not a promotional rate; Savings interest rate is calculated daily on the closing balance and paid monthly)
- Earn up to 225x more than at traditional banks.
- Make bill payments, send and receive Interac e-Transfers®, and make bank to bank transfers to and from existing bank account - all with no monthly fees or minimum balances and unlimited free transactions.
- Manage everything from the phone app, whenever and wherever. Desktop/web banking is also available.
Neo MoneyTM Card
The Neo Money™ card is your access card to powerful features:
- Get an average of 5% cashback³ at over 10,000 partners across the country, in real-time
- No monthly limits on how much cashback¹ you can earn
- Instant access to your balance with no card loading required
- Free everyday transactions and no monthly fees
- Withdraw from any ATM worldwide
With Neo, you get credit card-like rewards, with no risk or credit check.
Get cashback with Shell
Offer is only available in British Colombia, Alberta, Saskatchewan, Manitoba and Ontario.
- Earn 2% cashback at the pump or convenience store locations
- Earn 4% cashback on transactions made through the Shell App
- Boost these offers by 50% if you’ve subscribed to Neo’s Everyday Essentials perk (boosted to up to 6% cashback!)
How It Works
Open and fund your money account
Send an Interac e-Transfer, link your existing bank account, or set up direct deposit
Get instant, unlimited cashback
Use your Neo MoneyTMcard to spend and earn high cashback at 10,000+ Neo partners
Earn interest on every dollar saved
Interest is calculated daily and paid monthly
Upgrade to Premium
Upgrade to Premium for only $4.99/month and get the first 3 months free.
Plus get more cashback + exclusive perks and features.
Higher everyday cashback
- 3% on gas and grocery⁴
- 0.5% cashback on everything else⁶
Boosted exclusive cashback offers at Neo partners⁶
- 6% average cashback at restaurants, bars and cafes
- 4% on popular streaming services
- 4% on ride sharing services
- 4% on food delivery services
- 3%+ at retail partners (online and in-store)
All Base features and benefits, plus:
- Credit score monitoring directly in the Neo app
- $2,500 group life insurance⁷
- 24/7 legal assistance⁷
- Purchase protection with extended warranty⁸
- Dedicated priority support
Refer to the Neo website for up-to-date terms and conditions.
Legal references and product terms are available on the Neo website.