Neo Financial Referral Code: Get Up to a $35 Sign Up Bonus
Use our Neo Financial referral code to get up to $35 in bonuses: $25 for a Neo credit card and $10 for a Neo Money account. Here's how it works and whether Neo is worth it.
Banking
Neo Financial
Up to $35
cash bonus
Bonus terms are set by Neo Financial and may change at any time.
Neo Financial is a Canadian fintech that offers a cash back credit card, a high-interest savings account, an everyday spending account and even mortgages, all in one app. It was started by the team behind SkipTheDishes, and the big pitch is simple: get cash back on everyday spending, with extra rewards at thousands of partner merchants.
Our review
A strong pick if you like earning cash back and do not mind a credit application. The base card has no annual fee, but the best rewards depend on where you shop.
How the Neo referral bonus works
Sign up through our referral link, or use the code E6B8C9Y7, and you can earn up to $35 in total. The bonus comes in two parts:
- $25 when your Neo credit card application is approved
- $10 when you open a Neo Money (Everyday) account and deposit at least $50
You don't need both, but doing both gets you the full $35. The bonus is only for new Neo customers, and you need to start from the referral link. Neo can't add it after the fact, so don't apply directly on their site first.
One thing to know: for the card bonus, you have to apply and be approved. Neo is a credit card, so approval depends on your credit history. If you're declined, no bonus.
What you get
- Up to $35 in cash bonuses through the referral
- A cash back credit card with no annual fee on the base card
- Extra cash back at Neo partner merchants, which varies by store
- A savings account with a competitive interest rate
- One app for spending, saving and rewards
How to claim the Neo bonus
- 1
Use the referral link or code
Click the button below to start your application. If you are asked for a code, enter E6B8C9Y7. Do this before you apply so the bonus is tracked. - 2
Apply for the Neo card
Fill out the application and wait for a decision. Approval is what triggers the $25 bonus. - 3
Open a Neo Money account
If you also want the extra $10, open a Neo Money (Everyday) account in the app. - 4
Deposit $50 or more
Add at least $50 to the Neo Money account to unlock the $10 bonus. - 5
Check your rewards
Once you qualify, the bonuses show up as cash back in your Neo account. It can take a few days.
Pros
- Up to $35 in signup bonuses
- No annual fee on the base Neo card
- Cash back at thousands of partner merchants
- Savings and everyday accounts in the same app
- Easy to track everything in one place
Cons
- The card bonus needs a credit approval
- The $10 bonus needs a $50 deposit into a Neo Money account
- Cash back rates depend on the merchant and change over time
- Paid bundles add fees if you want extra perks
Is Neo worth it?
If you shop at places Neo partners with, yes. The base card costs nothing, and the signup bonus is a nice way to get started. The cash back rates you see advertised are averages, so you won't get the top rates everywhere. Check whether the stores you actually use are on the partner list before you count on big returns.
If you only want a simple spending account and would rather skip the credit application, Neo Money on its own only gets you the $10 part of the bonus.
Other informational sources
If you want more details, here are some other sources of information:
Neo Referral Code Thread | Neo Referral Code Website
Frequently asked questions
How much is the Neo referral bonus?
What is the Neo referral code?
Do I need to be approved to get the bonus?
Can I get the bonus if I already have a Neo account?
What if I applied without using the link?
Does the Neo card have an annual fee?
Referral terms change without notice. Always confirm the current details on Neo's site before you sign up.
