Do better than debit
Earn unlimited cashback at thousands of brands with a Neo Money™ card, the modern alternative to debit. Works with a Neo Money™ account.
Complete your application in just 3 minutes.
Instant cashback, your way
Earn up to6%on restaurants and bars¹Eat, drink, be merry, and earn cashback at all of our food and beverage partners.
Earn up to4%on your favourite apps¹Netflix, Disney+, Crave, Apple, Uber, Lyft, SkipTheDishes, DoorDash, UberEats.
Earn up to3%on gas and groceries²Save money on everyday essentials, plus get cashback at all your favourite retail brands¹.
Earn0.5%on all other purchases³Earn a flat cashback rate on everything else when you pay with your Neo card.
Works with a Neo Money™ account
- Safe, secure depositsDeposits are eligible for CDIC protection, and payments are protected by world-class security infrastructures.
- Get notified in real-timeKnow what's happening with your money at all times. Get notified anytime money goes in or out of your account, freeze and unfreeze your card instantly.
- Pay bills with easeAutomate your payments from your Neo Money™ account, and never worry about late payments again.
Smarter than a debit card. The rewards of a credit card.
Start using instantlyThere's no need to wait for your physical card to arrive. Add your virtual card to Apple Wallet or Google Pay, and start spending as soon as you're approved.
Customize your rewardsUpgrade your rewards with perks - flexible monthly subscriptions that boost your cashback and unlock extra benefits for your account.
Track your spendingSee all your transactions broken down by spending category, track transfers and bill payments, and view your total cashback earned.
Earn 1%⁴ on every dollarEarn 1%⁴ interest on every dollar deposited into your Neo Money™ account.
Simplify your walletDo better than a debit card, with free everyday transactions, no annual fees³, and ATM access wherever Mastercard® is accepted.
Get more with Premium
Unlock exclusive new features and boosted cashback today.
Base
The free plan that makes everyday spending more rewarding
Free1% cashback on gas and groceries¹
Cashback at Neo partners
Powerful, simple money management tools
Premium
Upgrade for more cashback + exclusive perks and features
$4.993% cashback on gas and groceries¹
Boosted cashback at Neo partners
All Base tools + exclusive new features
Got questions?
We’ve got answers.
I already have a Neo Money™ account set up, how do I get a physical card?
Simply log in to your account and select Cards under the main menu. You will see a carousel of cards to select from and order a Neo Money™ card to your registered address.
Is my money insured?
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 cdic.ca.
Is the Neo Money™ card a debit card?
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.
How soon can I spend with my Neo Money™ card once I sign up?
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.
Do I get cashback if I spend with my Neo Money™ card?
Yes! You’ll earn instant cashback on any transactions at partners in our rewards network.
¹ Average based on current offers at select partners. Cashback may be limited and varies by perks, offer, and partner.² Based on the maximum $300 category spending per month. Cashback may be limited and varies by perks, offer, and partner. There may be monthly limits for boosted cashback offers. For more information visit the Neo App. 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.³ Cashback is earned on eligible purchases with the Premium plan. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo.⁴ 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.⁵ Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice.Neo Money™ card and Neo Money™ account are not available for Quebec applicants.