Neo Financial 2025.8.1

Neo Financial offers a comprehensive range of financial services designed to help you manage your money effectively.

1. NEXT-LEVEL CASHBACK: Earn an average of 5% cashback¹ at thousands of partners with eligible Neo products.
2. GUARANTEED APPROVAL²: Secure a credit card even without a credit history.
3. NO MONTHLY FEES³: Neo cards stand out due to the absence of monthly or annual fees³ (excluding World Elite® products offered by Neo).
4. BETTER WAYS TO SAVE: Reach your goals faster and earn 4%⁴ interest.
5. DIGITAL MORTGAGE: Experience Neo Mortgageᵀᴹ, offering competitive rates, quick processing, and expert support.
6. MONEY MOVES: Conveniently handle all your financial transactions from one platform - pay bills, make deposits, withdraw, and transfer funds seamlessly.
7. SAFETY & SECURITY: Neo provides reliable protection against fraud with Mastercard Zero Liability protection⁵ and ensures the security of your deposits with the Canadian Deposit Insurance Corporation⁶.
8. SMART DATA: Track your spending and cashback effortlessly or receive personalized insights⁷ from Neo AI regarding your finances.

For more details, please visit neofinancial.com.¹​

• ² Conditions apply. To be eligible, you must meet the following criteria: 1. be of legal age in your province or territory of residence; 2. be a Canadian resident; 3. provide security funds.
• ³ For residents of 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%). For Cathay World Elite® Mastercard®: Annual fee of $180 applies. Not available in Quebec.
• ⁴ Interest is calculated daily on the total closing balance and paid monthly at rates mentioned per annum - subject to change without prior notice.
• ⁵ Some terms, conditions, and exclusions apply. Refer to your issuing financial institution for complete coverage terms and conditions.
• ⁶ Deposits held in Neo Money™ accounts are eligible for CDIC deposit insurance provided by Concentra Bank - up to $100,000 of deposit protection per category per depositor. Please visit CDIC’s website cdic.ca for further details on CDIC deposit insurance.
• ⁷ The Neo AI platform serves as an educational tool and should not be considered a primary source for financial advice - answers provided may not always be entirely accurate.

Neo Credit and Neo Secured Credit cards are issued by ATB Financial under license by Mastercard International Incorporated.
Mastercard®, World Elite®, and the circles design are registered trademarks of Mastercard International Incorporated.
Neo Mortgage Services Inc. Licenses - Ontario FSRA #13444, British Columbia MB600606, Alberta, Saskatchewan 510903|512351, Manitoba, Newfoundland & Labrador #2207NE1151, New Brunswick, Nova Scotia #20213000380|20223000521, PEI.
All product and company names, logos, brands, and images are trademarks of their respective holders and do not imply any affiliation with or endorsement by them.