About Neo Financial
Neo Financial is a Calgary-based fintech founded in 2019 by former SkipTheDishes executives Andrew Chau, Jeff Adamson, Kris Read and Chris Simair, offering credit cards, savings/spending accounts, investments and mortgages digitally. Neo is not itself a bank: its deposit products are provided by CDIC-member partner banks — the Neo Money account by Concentra Bank and the Neo High-Interest Savings Account by Peoples Bank of Canada, to which Neo transitioned everyday accounts in 2024.
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Access: Open to all Canadians
Eligible provinces: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland & Labrador, Nova Scotia, Northwest Territories, Nunavut, Ontario, Prince Edward Island, Quebec, Saskatchewan, Yukon
How to join: Sign up online or via the Neo app.
Notes: Deposits via Concentra Bank/Equitable
Deposit protection: Canada Deposit Insurance Corporation
$100,000 per insured category per member institution
Current top rates
rates confirmed as of 2026-10-15Rate history builds here as we track this institution's rates over time.
Savings & chequing rates
rates confirmed as of 2026-10-15Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | Neo Savings | Daily | Monthly | — | 2.75% |
| HISA | Neo High-Interest Savings account | — | Monthly | $0 | 1.25% |
| Chequing | |||||
| Chequing | Neo Chequing account | — | Monthly | $0 | 0.10% |
No rates match these filters.
Mortgage rates
rates confirmed as of 2026-10-15Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 6-month | Fixed | Closed | No | 4.14% |
| 1-year | Fixed | Closed | No | 5.94% |
| 2-year | Fixed | Closed | No | 5.84% |
| 3-year | Fixed | Closed | No | 4.79% |
| 4-year | Fixed | Closed | No | 4.94% |
| 5-year | Fixed | Closed | No | 4.74% |
| 5-year | Variable | Closed | No | 3.60% |
No mortgage rates match these filters.
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