Neo Financial Reviews
(Rated by 12 users)
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Payment Methods
- Verified Store VERIFIED
- Free shipping: Orders $50+
- In-store pickup: Ready in 2 hours
- 30-Day Returns
- Gap Good Rewards (4 brands)
Payment Methods
- Tops: $23 - $70
- Bottoms: $27 - $70
- Outerwear: $34 - $70
- Kids: $29 - $75
Overall Rating
4.3
Base on 12 Reviews
Ratings by Feature
Ratings by Feature
- Good Value4.2
- Price & Quality4.8
- Shipping & Delivery4.5
- Return Policy4.4
- Customer Service4.7
Recent Customer Reviews (12)
Felix Braun
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Silke Ostermann
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Letitia Canada
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Sven Baum
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Millie Cross
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Nezh Bazhaev
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Piper Toohey
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William Thompson
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Olivie Gaudreau
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Ruby Norris
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Neo Financial Pricing
Premium Membership
$9.99
Neo Financial Pros & Cons
Pros
1
High cashback rewards with Neo partners, especially at local stores, which is attractive for users who shop locally.
2
No fees: No cash minimums, annual or monthly fees on accounts and credit cards.
3
Top-notch high-interest savings account with no monthly fees or minimum balance requirements; insured up to $100,000 by CDIC.
4
Customizable cashback rewards allowing users to tailor benefits to their spending habits.
5
Easy and fast smartphone setup, fully digital experience with mobile cheque deposits available in some products.
6
Offers a secured credit card option for those building or rebuilding credit, including guaranteed approval for the secured card.
7
Competitive mortgage rates reported as among the lowest in Canada by some reviewers.
8
Maximize Earnings on Spending & Savings: Cashback rewards combined with high-interest savings help users keep more money while spending normally.
9
Cost Efficiency: Zero fees on everyday accounts reduce banking costs significantly compared to traditional banks.
10
Convenience & Control: Real-time notifications and easy card management empower users to stay informed and secure their finances instantly.
11
Comprehensive Financial Management in One Place: Budgeting tools alongside payment automation simplify personal finance management without juggling multiple platforms.
12
Personalized Support & Insights With Premium Upgrade: Enhanced rewards plus credit monitoring and legal support provide peace of mind beyond basic banking needs.
CONS
1
Requires a hard credit check upon signup, which is not clearly communicated upfront and may deter some users accustomed to prepaid cards without checks.
2
Savings features are somewhat limited compared to competitors like KOHO; only one main savings account without multiple goal-setting options or advanced saving tools.
3
The inclusion of robo-investing services is seen as unnecessary by some users who prefer direct investing options without fees.
4
There is a strong push towards shopping at Neo partners to maximize cashback rewards, which may limit flexibility for some customers.
5
High purchase APR rates (up to 29.99%) can apply if the user has a low credit score, making borrowing expensive under certain conditions.
6
Not all products are available across all Canadian provinces yet, potentially limiting access depending on location .
Neo Financial Features and Benefits
Features
High cashback rewards
Earn up to 5% cashback on everyday spending with Neo partners, especially at local stores and boosted on essentials like gas and groceries (up to 3%), attractive for users who shop locally.
No fees
No cash minimums, annual or monthly fees on accounts and credit cards; free transactions and CDIC deposit protection, reducing banking costs significantly compared to traditional banks.
High-interest savings account
Competitive 2.5% interest rate (Neo Cash account) with no monthly fees or minimum balance requirements; insured up to $100,000 by CDIC; allows setting personalized savings goals to maximize earnings on savings.
Customizable cashback rewards
Users can tailor benefits to their spending habits for maximized earnings.
Easy and fast smartphone setup
Fully digital experience with mobile cheque deposits available in some products for effortless setup and management.
Secured credit card option
Guaranteed approval for those building or rebuilding credit.
Competitive mortgage rates
Reported as among the lowest in Canada by reviewers.
Real-time notifications & security
Instant alerts for transactions, freeze/unfreeze cards via app, world-class security infrastructure; empowers users to stay informed and secure finances instantly.
All-in-one app experience
Manage money effortlessly with budgeting tools, transaction tracking, bill payments, cashback monitoring, and AI-powered financial advice in one place; simplifies personal finance without multiple platforms.
Premium membership
$9.99/month for enhanced cashback rates (e.g., +2% boost, average 6% on dining), credit score monitoring by TransUnion, purchase protection, extended warranty, group life insurance ($2,500), 24/7 legal assistance, and priority support; provides peace of mind and personalized insights.