* Earnings for the Neo Cash account are derived from the interest Neo earns on the funds. Neo shares interest at the advertised rate of return for the Neo Cash account, and earnings are calculated daily on the total closing balance paid monthly. Rates are per annum. Minimum combined balances across Neo Cash, Neo Everyday, and Neo High-Interest Savings accounts required to earn boosted rates, which will only be applied and paid to your Neo Cash account balance. The minimum combined balance required to qualify and the corresponding rates are subject to change without notice. Balances in Neo Invest are not included in the increased rate calculation. See the Neo app for details.
¹ Based on research of an initial balance of $20,000 in high-interest savings accounts, comparing and limited to: BMO, CIBC, RBC, Scotiabank and TD Bank over a 12 month period. Research conducted by Neo Financial and based on data taken from public websites on October 21, 2025. Research includes promotional offers with a term of 0-4 months.
Rate comparisons based on research of high-interest savings accounts, comparing and limited to: BMO, CIBC, RBC, Scotiabank and TD Bank over a 12 month period. Research conducted by Neo Financial and based on data taken from public websites on October 21, 2025. Research excludes promotional offers.
The Neo Savings account is a Cash account offered by Neo Financial Technologies Inc. (“Neo”), a FINTRAC-registered money services business. The funds added to Neo Cash accounts are ultimately held securely in trust in the name of the primary account holder with one or more member institutions of the Canada Deposit Insurance Corporation (“CDIC”). Neo is not a CDIC member institution; however, eligible funds held in trust are insured by CDIC for up to $100,000 per beneficiary, per member institution in the event of a member institution’s failure, provided certain disclosure rules are met. Funds are settled with any CDIC member institution within three business days of the funds being reflected in your account.
Refer to the Neo website for up-to-date terms and conditions.
Legal references and product terms are available on the Neo website.
★ PLEASE READ TO MAKE SURE YOU GET A CASH BACK REBATE:
Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Minimum account funding of $50 required to receive GCR rebate.
• Cash Back Rebate is valid for eligible new Neo customers only.
• To receive a Cash Back Rebate for a 2nd Neo product, you must apply within 30 days of your 1st product application.
• Application(s) must be approved to receive Cash Back Rebate(s).
• Cash Back Rebate is from GCR and will be posted to your GCR account upon account approval.
• Cash Back not offered on repeat account holders.
• No Cash Back on Neo Hudson’s Bay products.
• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
Rebate Currency Exchange :NONE
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