neofinancial.com Reviews 

This is a wonderful fintech corporation. It is easy to use and the trust pilot gives you the reassurance that this is a legit company.

Kriti, has helped me out many times, it has been a pleasure working with the neo financial team

DON'T GO TO FOR A MORTGAGE RENEWAL - Waste of time!

I notified the agent (Kalid A.) multiple times of my parameters (% down, house value, mortgage value, etc.). They said "great we could likely get you our lowest rate" and provided a rates. Then after submitted the extensive paperwork they realized that the home value was too high and they couldn't offer competitive rates.

The supervisor (Wayne K.) said he would escalate to the founders and make things right but came back with nothing. Absolute waste of time. Don't bother. There is a reason they aren't a major broker or lender.

Update:
I had to prompt the supervisor Wayne for a update after several weeks went by with no update. Clearly more training is needed for supervisors as well. If Neo's founders want to get in touch to discuss further please let me know.

No major issues and easy to use. Staff havent always solved dispute transactions though if you need it. Their secured account for credit building isn't insured however so that's good to know.

My new credit card has been a great addition to my wallet, offering me rebates and other features that align perfectly with my spending habits.

Meriem Ben Makhlouf Is the best she helped me with my issue after trying to resolve for 4 days she needs promotion

I signed up for Neo for the secured credit card to help me rebuild my credit score. It's a great program that allowed me to start with any amount and then later add more funds to increase the credit limit at my pace. Not only is it allowing me to rebuild my credit, but Neo is a wealth of partnerships in Canada that rewards additional cashback compared to the regular percentage. Being rewarded for going back to a store or service regularly has been a pleasant surprise. You can search through the partnerships and discover where you can get the bonuses.

Neo offers other services that I haven't explored yet, but will plan to once my credit score is high enough (other credit cards and mortgages). They also have partnerships with other companies to allow you to setup insurance and investments.

It's well worth taking a look at if you are looking to move away from the major banks in Canada or need to start rebuilding your credit.

I have been with Neo since they launched their new products & services like Everyday Account and the Credit Card.
It has been giving the market-leading referral bonuses to both sender and receiver when they start new services.
About the Credit Card:
I can't come out of their partner discount program. They have been with almost 80% of local vendors with special partnerships, allowing users to earn up to 10% cash back. And if not the cash back, then you will have a minimum purchase option that gives you 5% cash back once fulfilled.
For example, with Mr Lube, they offer 5% cash back with a purchase of $50 or more. But if I buy something under $50, the offer stays there for about 30-60 days pending completion, and I get the benefits.
And with the vendor partners, like Uber, I get the cash back on each transaction.

Especially if I have more money in my Everyday account, it qualifies for premium cash back on my Credit Card. Recently, I had put $10,000 in that, and my credit card cash back jumped to 3% on any kind of transactions, and the special ones are separate to provide 5%, 10% or even more with bundles.

Their savings account is named correctly as "High-Interest Savings Account". That gives always 0.5 to 2% more than market-leading banks based on detailed work.

I had moved all my investments to Neo after using and trying its leading features for a year. And I never had a complaint to move to a new Bank or Credit Card, being my primary user.

I do not need to think twice before swiping or tapping my Neo card.
Thank you, Neo Team.

I recently got married and am now moving through the very fun process of updating my name everywhere. I used Neo’s chat feature and was connected very quickly to Eduardo. He was kind, knowledgeable and personable in assisting me with my name change. The whole process was so quick and easy! I doubt RBC is about to give me the same experience LOL great work!

I have been with Neo for a couple of years and it's,the best bank I've banked with Easy to use app, good value on Cash back,and furthermore great customer service.
I love neo and I always recommend it to all my family and friends.

Since I discovered Neo I regain my trust in banking system. The way this company does it should be the bare minimum standard for all Canadian banking institutions. I tip my hat in front of guys. Well done. It’s a no brainer to have your chequing account, saving account and credit cards with them. Highly recommended.

After years banking with various financial institutions in Canada, a friend recommended Neo Financial. Amazing features and a cashback on Savings Account. You will get a cashback / reward through your Everyday Account as well. As life goes online pretty much, Neo Account finds its way to explore more and to become more convenient with daily money handling procedures. Referring to a new customer is a win-win situation (both, you and me get a bonus).

Neo World Elite card offers great cashback. I like it so far and feel that the annual fees is worth it. But, I would appreciate if it was a unsecured card instead of secured. I got unsecured world elite card from another bank. Neo card is my primary card for all the transactions, auto bill payments. Definitely recommended.

Alternative credit card for those who are having limited income and couldn’t pass credit check from the bank. This is another option and chance to built up your credit score in a healthy way.

This is one of the best credit card i ever had. I have been using it for few years now. I love the rewards on so many products. Also great thing is i can make money by reffering someone.

If you’re looking for a premium credit card with excellent cash back and perks, the Neo World Elite Mastercard is a top pick. Here’s why it stands out:

Outstanding Cash Back:
Earn up to 5% back on groceries, 4% on recurring bills, 3% on gas and EV charging, and 1% everywhere else. With over 10,000 partner retailers, you can often get even more back on everyday purchases. Plus, cash back is credited instantly, so you can use or withdraw it anytime.

Premium Features:
The $125 annual fee is easily offset by the rewards and benefits if you use the card regularly. You’ll also get solid travel and purchase insurance, high credit limits (up to $30,000 for eligible applicants), and an easy-to-use app for tracking rewards and spending.

Who It’s For:
This card is great for anyone who wants to maximize cash back on essentials, values premium perks, and prefers a digital-first experience.

My Take:
The rewards add up fast, especially at partner stores, and the app makes everything simple. For me, the benefits far outweigh the annual fee. If you want a card that gives back and comes with great features, the Neo World Elite Mastercard is well worth considering.

The cashback and opportunity for high interest savings accounts.

I have to say, I went through a long list of companies I trusted . Finally one day I came across neo, and it all just made sense. Ill never go back to the way I was banking before. Thank you NEO!

worst card ever, number got stollen to digital wallet and their policy is not on your side, they don't even have the power to ask merchant copy, as every time you put your card on google wallet, the digital card number connect to the card is unique and merchant copy will tell which digital card is being used. Their policy with matercard is not on your side. Not worth the time even you do not have an option for a credit card.

This review is in particular for Meriem BenMakhloup. She was the ONLY agent that took the time and had the patience to deal with a tricky issue. We talked to 3 other agents and we were either dismissed or provided with the wrong advise. THANK YOU Ms Makhloup for your polite manners and sound advise.