Legal Disclaimers
¹ Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice.
² There are no transaction fees applicable to the Neo Money™ card, other than the 2.50% foreign exchange conversion fee. If you require a rushed card replacement, a $29 fee applies.
³ 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.
⁴ Conditions apply. Must 1. be the age of majority in your province or territory of residence; 2. be a Canadian resident; 3. provide security funds.
⁵ When you make payments in full and on time each month.
⁶ For Quebec: Monthly Statements; No monthly or annual fees; 21-day grace period; Minimum payment is the higher of $10.00 or 5.0% of total statement balance; Purchase rate (19.99%-24.99%) and cash advance rate (22.99%-25.99%).
⁷ Excluding Quebec residents.
⁸ As awarded on October 19, 2021 by votes cast in the RewardsCanada.ca Canada’s Choice awards.
⁹ 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. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.
¹⁰ Top-up varies based on monthly spend and is limited to $50 per month.
¹¹ Neo AI is an educational tool and shouldn't be used as a source of financial advice, answers provided by Neo AI may not always be accurate
¹² Member insurance benefits underwritten by The Wawanesa Life Insurance Company under a Group Policy issued to Neo Financial Technologies Inc. All coverage is subject to the terms, conditions, limitations and exclusions outlined in the insurance booklet.
¹³ This insurance coverage is underwritten by Chubb Insurance Company of Canada under a Group Policy issued to Neo Financial Technologies Inc. All coverage is subject to the terms, conditions, limitations and exclusions outlined in the Certificate of Insurance, and for Quebec residents the Summary and Fact Sheet. The cost will be charged to the eligible Neo card that you signed up for the Neo Perks with. Neo, its employees and representatives are not agents of Chubb, nor can they waive or change any terms of the insurance coverage. View the full list of insurance certificates here: https://card.neofinancial.com/legal-bundles.
Neo Money™ card and Neo Money™ account are not available for Quebec applicants.
The Neo Money™ card is a prepaid Mastercard® issued by Equitable Bank pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Money™ account, which is provided by Concentra Bank.
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.
The Neo High-Interest Savings account is provided by Peoples Bank of Canada, a CDIC member institution, and is eligible for CDIC deposit protection. Deposits held in Neo High-Interest Savings accounts are combined with eligible deposits held at Peoples Bank of Canada, 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.
Neo Credit and Neo Secured Credit cards are issued by ATB Financial pursuant to license by Mastercard International Incorporated.
Mastercard® and the circles design are registered trademarks of Mastercard International Incorporated.
All product and company names, logos, brands, and images are trademarks of their respective holders. Use of them does not imply any affiliation with or endorsem*nt by them.
*Limited-time offer. Only new Neo Credit card, Neo High-Interest Savings account or Neo Money™ account customers are eligible for the Referral Program. Referral Credit is only awarded if a Referred User is approved for a Neo Credit card, Neo High-Interest Savings or opens a Neo Money™ account and deposits at least $50 in their account. Referred User has 90 days to complete the Referral Program process. Referral Program may be amended or cancelled at any time without notice. Referrals are subject to the Neo Rewards Policy, the Neo Platform Terms and Conditions and all other applicable terms and conditions.
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