Neo Financial Referral Code and Review 2026 ($35 Bonus)

Last Updated on January 6, 2026 by Canadian Reviews

About Neo Financial

Neo Financial is a technology fintech company that was launched in 2018 and headquartered in Calgary. A company that has a goal to re-imagine everyday banking. They are fairly new to the market, and their product offering is rather small currently.

Read our review below. And if you are interested in their no fee annual credit card. Make sure to use our Neo Referral Code E6B8C9Y7 to get a $35 sign up bonus.

$25 for the Neo Financial Credit Card

$10 for the Neo Financial

What Products Does Neo Financial Offer

Savings Account – A high interest savings account that currently at 2.25%. No monthly fees or minimum balances, and comes with unlimited free transactions. Neo wants you to keep the extra cash and do what you want with it.

Credit Card – A no annual fee Mastercard. The card can also be upgraded for a monthly fee to allow you to earn even more cashback perks. You are never locked in. And can upgrade/downgrade at anytime.

Is Neo Financial Safe

The Neo Savings Account is provided by Concentra Bank. They are a CDIC member and are eligible for deposit insurance up to 100,000. So rest assured your money is in safe hands.

Neo Mastercard Benefits

Cashback – Earn min 1% cashback. And an average of 4% cashback at partners for their standard card. Upgrading the card increases the average partner cashback to 6%. That is a 1.5 times more than the standard card.

Redeem – Redeem your cashback at any time. You can redeem to your card, your savings accounts, or use your cashback toward merchandise in their store.

No Fees – Neo does not charge any annual or overlimit fees. Keep your money in your own pocket, and spend it elsewhere.

Digital Wallet – Neo currently supports Apply Pay and Google Pay digital wallets. No need to pull out your card. Just tap your mobile device.

Notifications – Stay on top of your spending and get proactive alerts and notifications in real-time. No more surprises when your card is used.

Virtual Card– Start using your card as soon as you are approved. No need to wait for your physical card. Get earning points right away.

Neo Card Cash Back Rewards

Neo Card offers up to 5% on average at partners. Thousands of local and national Neo partners, including most major gas stations, grocery stores, restaurants, gyms, coffee shops, and mush more. To earn cash back you simply pay with your Neo Card to earn rewards automatically.

Use the app to discover all the nearby businesses that get you cashback and bonus rewards. The more you spend at some partners will increase your cashback percentage.

Neo Financial Referral Program

Neo is currently offering a pretty good sign up bonus. You can receive $35 in reward cash when you sign up with a Neo Referral and are approved. This can be applied to your balance at any time.

Use our Neo Financial referral link below to sign up today and start using a pretty great cash back credit card.

Sign up with Neo

Referral Code: E6B8C9Y7

Neo Savings Account

Neo also offers a saving account that you can open once you have signed up for you Neo Financial Mastercard. You can do this all from the mobile app.

Some of the benefits of the Saving Account is 2.25% interest on your balance, no fees, unlimited transactions, and no minimum balance is required.

There is also a High Interest Savings Account that boosts the interest to 4%. This is one of the best high interest accounts in Canada.

Use your account to pay bills, make deposits, send e-Transfers, save for big purchases, or link to other accounts to transfer or receive funds.

Neo Mastercard Verdict