Independent Affiliate Platform • Not an official Neo Financial website
Use referral code "E6B8C9Y7" — $25 for the Neo Credit Card plus $10 for the Neo Money Card.
$25 on credit card approval + $10 when you open a Neo Everyday Account and deposit $50.
The content on this page is provided for informational purposes only and may contain affiliate links. Additional information is available on the official website.
Getting your $35 bonus takes less than 10 minutes.
Create your Neo account entirely online. Apply for the credit card, open a savings account, or both — no branch visits or paperwork needed.
Use referral code E6B8C9Y7 during sign-up to unlock the $25 credit card bonus and the $10 Neo Money bonus.
Once approved, activate your virtual card immediately and start earning cashback at Neo partner merchants and everywhere Mastercard is accepted.
Last reviewed: June 2026 · Independent editorial review
Neo Financial is one of the top-rated Canadian financial platforms available today. It offers a wide range of products including Neo Credit Card, Neo Money Card, Neo Invest, making it a solid all-in-one option for Canadians looking to manage and grow their money.
Getting started is straightforward. New users can sign up in minutes and take advantage of the $35 welcome bonus when using a referral code. The platform is regulated and designed with both beginner and experienced users in mind.
Standout features include: 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. Based on our independent assessment, Neo Financial delivers strong value and we recommend it to anyone looking for a reliable Canadian financial app.
Our verdict: Neo Financial is a top-rated Canadian financial platform. We recommend signing up and using our referral code E6B8C9Y7 to claim your $35 bonus.
1M+
Canadians using Neo
10,000+
Canadian partner merchants
Founded 2018
Calgary-based fintech
CDIC Protected
Up to $100K per category
A full suite of financial products built for Canadians — all in one place.
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 Money Card
A prepaid Mastercard that earns instant cashback everywhere Mastercard is accepted, plus higher rates at Neo partners. 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.
Here's what makes Neo Financial stand out from the competition.
Common questions about Neo Financial and the referral bonus.
No fees for standard accounts. Optional paid perks (like Neo Extras) and premium tiers are available but entirely optional — you will never be charged without opting in.
Neo's partner banks are CDIC members, providing up to $100,000 in protection per eligible deposit category. The Neo Credit Card is issued by ATB Financial on the Mastercard network.
Yes — the Neo Secured Mastercard offers guaranteed approval with no hard credit check. You provide a minimum $50 security deposit which sets your credit limit, and it works like a regular Mastercard everywhere.
It is a prepaid Mastercard that earns instant cashback at Neo partner merchants (up to 5%) and standard cashback everywhere else. It functions similarly to a debit card for everyday spending and does not require a credit check.
No — a virtual card is available immediately upon approval via Apple Pay and Google Pay, so you can start earning cashback right away. Your physical card arrives by mail within 5–7 business days.
Sign up for a Neo Credit Card or Neo Money account using referral code E6B8C9Y7. The $25 credit card bonus is applied on approval. The $10 Neo Money bonus is applied after you deposit $50 into your account.
Yes — you can hold both products and stack the bonuses. The Neo Credit Card is a full credit card, while the Neo Money account is a prepaid product that does not affect your credit.
Yes — the Neo Credit Card reports to Equifax and TransUnion, so responsible use can help build your credit history over time. The Neo Secured Mastercard also reports, making it a popular tool for credit-building.
Tips, reviews, guides, and news about Neo Financial.
Neo Financial and KOHO are two of Canada's most popular fintech alternatives to traditional banking. This comparison covers cashback rates, savings interest, credit building, fees, and who each platform is best suited for in 2026.
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Neo Financial has over 10,000 Canadian partner merchants where you can earn up to 15% cashback with your Neo Credit Card. Here's how the partner network works and where to earn the most.
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Use Neo Financial referral code E6B8C9Y7 to earn up to $35 in bonuses — $25 when your Neo Credit Card is approved and $10 when you open a Neo Everyday Account.
Read moreSign up to Neo Financial today and use code E6B8C9Y7 to get your bonus.
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