Neo Financial Review
What Neo Financial offers, how the referral bonus works and whether it's worth signing up.
Last reviewed: October 2026
Overall Rating
The Neo referral code E6B8C9Y7 unlocks up to $35 split across two products: $25 on Neo Credit Card approval and $10 once you deposit $50 into a Neo Chequing account. The cashback card and the higher-interest account are both worth keeping after the bonus is paid.
About Neo Financial
Neo was founded in 2018 in Calgary by the co-founders of SkipTheDishes. The Neo Credit Card is issued by ATB Financial on the Mastercard network, and deposits are held at CDIC-member partner institutions, providing up to $100,000 in protection.
Neo offers a full suite of modern financial products: a no-fee cashback credit card, a high-interest savings account, a robo-advisor, and a prepaid card that earns instant cashback at thousands of Canadian merchants. Use referral code E6B8C9Y7 to claim up to $35 in sign-up bonuses.
1M+
Canadians using Neo
10,000+
Canadian partner merchants
Founded 2018
Calgary-based fintech
CDIC Protected
Up to $100K per category
What Neo Financial Offers
The main products you get with a Neo Financial account.
Neo Credit Card
Earn up to 5% cashback at thousands of Neo partner merchants across Canada, with no annual fee and instant approval for most applicants.
Neo Chequing
Everyday chequing account with a Mastercard that earns cashback at Neo partner merchants. No credit check required.
Neo Invest
A robo-advisor that builds and manages a diversified ETF portfolio tailored to your goals. Low fees and automatic rebalancing included.
Neo Mortgage
Competitive mortgage rates for Canadian homebuyers, with a fully online application and fast approvals.
Neo High-Interest Savings
Earn up to 4% interest on your savings with no minimum balance and no monthly fees, held at CDIC-member partner institutions.
Joint Accounts
Open an account with any other individual in minutes. Both account holders get their own card, shared transaction visibility, and the same cashback on purchases.
Key Features
What stands out about Neo Financial in everyday use.
- Up to $35 in sign-up bonuses with referral code E6B8C9Y7
- Earn instant cashback at 10,000+ Canadian merchants, from groceries to gas
- No annual fee on the Neo Credit Card
- Virtual card issued immediately on approval, use with Apple Pay and Google Pay right away
- Guaranteed approval on the Neo Secured Mastercard, no hard credit check
- Redeem cashback anytime with no minimum redemption threshold
- No inactivity fees on any Neo account
- High-interest savings account with up to 4% APY, better than most big bank rates
- Full suite of financial products in one app: credit, savings, investing, and mortgages
- Deposits held at CDIC-member institutions, up to $100,000 in protection per category
Is Neo Financial Right for You?
It's a good fit if
you'll use a cashback card for regular spending and want a higher-interest account alongside it.
You might skip it if
you want investing tools or a broader range of products in one place.
Ready to claim your $35 bonus?
See how the Neo Financial referral code works, the terms to watch for and the steps to claim it.
Neo Financial Referral Code