Get up to $35 in bonuses when you sign up for Neo Financial using our referral code. Access high-interest savings and cashback on every purchase. Use the code below or click the button to sign up with the referral applied automatically.
Earn up to $35 in bonuses: $25 when you activate your Neo credit card, plus $10 when you open a Neo Money account and deposit $50.
E6B8C9Y7Bonus subject to Neo Financial's eligibility terms.
Getting your Neo Financial bonus takes less than 10 minutes.
Sign up using our referral link
click through and enter code E6B8C9Y7, or use our link which pre-applies the code automatically.
Open a Neo Money account and deposit $50
fund the account within the promotional window to earn the $10 cash bonus.
Apply and activate your Neo Mastercard
once approved and activated, the $25 bonus is credited to your Neo account.
Bonuses credited after each qualifying action
the $10 and $25 bonuses are paid out independently as you complete each step.
Neo Financial is reimagining banking in Canada with a high-interest savings account, a no-fee cashback Mastercard, and a growing network of over 10,000 retail partners offering boosted rewards. From groceries to gas stations, Neo gives you more back on every dollar you spend — all with zero monthly fees.
Neo Money — High-Interest Savings
Earn one of the highest interest rates available to Canadians on your everyday savings — far above what most big banks offer. No monthly fees, no minimum balance, and your deposits are held by Concentra Bank (CDIC-insured).
Neo Mastercard — Cashback on Everything
The free Neo Mastercard earns you cashback at over 10,000 Canadian partner merchants — including popular grocery stores, restaurants, gas stations, and online retailers. No annual fee, and an instant virtual card is issued on approval.
Boosted Partner Rewards
Earn dramatically higher cashback rates at Neo's network of over 10,000 brand partners. Some retailers offer up to 15% back on purchases — far beyond the 1–2% you'd earn on a traditional rewards card.
Neo Secured Card — Build Your Credit
New to Canada or rebuilding credit? The Neo Secured Mastercard lets you set your own credit limit by depositing funds as security. It still earns cashback at partner stores, making it one of the best-value secured cards in the country.
Neo Mortgage
Neo has expanded into mortgage financing, offering competitive rates for new purchases and refinancing. Apply entirely online and get a decision quickly, with no branch visits required.
Instant Virtual Card
Start spending immediately after approval with your Neo virtual Mastercard. Add it to Apple Pay or Google Pay and use it for online purchases right away — before your physical card arrives in the mail.
Here is what sets Neo Financial apart from the competition for Canadians.
An independent editorial assessment based on our hands-on experience with the platform.
Outstanding cashback rates with no annual fee.
Neo Financial has built a genuinely compelling product in the no-fee rewards space. The Neo Mastercard earns cashback at over 10,000 Canadian partner merchants at rates that embarrass every major bank's no-fee card. The Neo Money high-interest savings account complements it well, making Neo a strong choice for everyday spending and savings in one ecosystem.
The Verdict
If you want to earn serious cashback on everyday Canadian purchases without paying an annual fee, Neo is hard to beat.
Everything you need to know about the Neo Financial referral code.
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Neo Financial's referral program pays out two separate bonuses — one for banking, one for the credit card. Here's how to claim both with code E6B8C9Y7.
Earn up to $35 in bonuses: $25 when you activate your Neo credit card, plus $10 when you open a Neo Money account and deposit $50.
Sign Up to Neo Financial