neofinancial.com Reviews 

474
TrustScore 3.5 out of 5

3.5

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Review summary

Created with AI, based on recent reviews

Looking at 177 reviews, most reviewers were somewhat happy with their experience overall. Consumers frequently highlight the intuitive app design, generous cashback options, and helpful everyday banking features that make money management easy. People appreciate how straightforward it is to monitor spending, track budgets, and build credit using the platform. However, some reviewers were not happy with customer service, noting long wait times, dropped calls, and unhelpful support agents. Some people also felt that payment processing can be frustrating due to unexpected account freezes, delayed funds, or transaction errors. Additionally, several consumers mentioned unexpected monthly fees, subscription charges, and unclear instructions when trying to close their accounts.

What people talk about most

Payment

Customers had ambiguous experiences with payment, reflecting a high level of disagreement regarding... See more

Customer service

People report ambiguous experiences with customer service. While many reviewers share frustration over... See more

User experience

Reviewers mention positive feedback about user experience, highlighting the modern and intuitive design of... See more

Service

Consumers find service to be ambiguous, with highly mixed and polarized opinions. While some reviewers report... See more

Product

Reviewers highlight positive aspects of product offerings like high-interest savings accounts and cashback... See more

Reviews shaping this summary

Rated 4 out of 5 stars

Hello Neo Financial, I understand you recently received a notification from Interac regarding my recent e-Transfer attempt(s). On your end, I am reply as soon as possible with the fo... See more

Rated 4 out of 5 stars

I signed up with this bank last week but ran into an immediate issue: my phone number was still linked to a previous customer, preventing me from completing the signup process. I reached out via... See more

Rated 3 out of 5 stars

Using the Neo United World Elite Mastercard is good I think but the math to convert miles to dollars is not super intuitive. I compare this one to my other world elite mastercard (which I haven'... See more

Rated 3 out of 5 stars

Hello Neo Financial, I understand you recently received a notification from Interac regarding my recent e-Transfer attempt(s). On your end, I am replying as soon as possible with the follo... See more

Company replied


Company details

Written by the company

Neo is a leading financial technology company that’s building a more rewarding financial experience — empowering more Canadians to take control of their future. We’re reimagining spending, savings, investments, and mortgages with intuitive, accessible financial tools that help customers get more value out of every dollar they earn, save, and spend. Recognized as Canada’s #1 Startup by LinkedIn for two years in a row, we work with local retailers, large enterprises, and financial institutions to transform the future of financial services.


Contact info

3.5

Average

TrustScore 3.5 out of 5

474 reviews

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No recent history of asking for reviews

This company hasn't invited customers recently, so reviews may not be representative

Replied to 94% of negative reviews

Typically replies within 1 month

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3.5

All reviews

(474)

169 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 3 out of 5 stars

I like your modo youre essentially ING…

I like your modo youre essentially ING direct 2.0 lol but thats not a bad thing .. the main concerns i have is the card works 40% of the time on tap .. i always have to pull out my MBNA to complete my transactions .. im sure if you check my historical log you will notice the card being charged amny times without success

22 April 2026
Unprompted review
Rated 5 out of 5 stars

Savior from the big banks

I was really frustrated with big Canadian banks, that are extremely outdated. I am happy I found Neo.
What I like the most is clear transparency on fees, intuitive design and competitive offers, and new features that are better tailored to me.
The app offers the best uptime of service with no disruptions in over 2 years that I use it

22 April 2026
Unprompted review
Rated 5 out of 5 stars

Look I’m not going to sit here and…

Look I’m not going to sit here and write about how the Neo reviews you see are false, but they don’t paint the entire story I’ll tell you that. Yes sometimes things don’t work out well for SOME people, but reaching out to support and in the correct way, will 99.99% of the time fix your problem. Honestly the way I see it, Neo makes banking feel good again. Had a bad experience? Give a fresh try with open eyes, yes stay alert if you want but if anything is not working, reach to support, I promise you they will do their best to help out, there’s also the discourse groupe filled with insightful information. 1Y+ and going strong, keep it up Neo :)

22 April 2026
Unprompted review
neofinancial.com logo

Reply from neofinancial.com

Hi George,

I hope you’re doing well.

I’m reaching out to thank you for your thoughtful review in April. We really appreciate you taking the time to share your experience, it means a lot to us.

As a small token of our appreciation, we’d love to send you a $100 gift card.

Please just reply to this email confirming the best email address for delivery, and we’ll take care of the rest.

Thanks again for your support, it truly makes a difference.

Best,
Yeni

Rated 5 out of 5 stars

I’ve banked with Neo for a little over…

I’ve banked with Neo for a little over a year now and I was sold after the first month! They have a cashback option that I love and their customer service is amazing! I’ve never been on hold longer than 5 mins. In saying that I’ve only had to call twice and that was for something on my end! Neo is amazing!

22 April 2026
Unprompted review
Rated 5 out of 5 stars

Really helpful for getting loan and for…

Really helpful for getting loan and for building credit. The cashback feature also helps me to payback my credit. I have been able to cover many of my daily to occasional expenses whether it is grocery or my tuition fees. I would recommend others Neo credit for their convenience.

21 April 2026
Unprompted review
Rated 5 out of 5 stars

Payment

Deposits,transfers and payments are made easy. Card is accepted everywhere. You are using your own money and I love that. Cash back programme is excellent. Great customer service and staff are helpful during inquiries. Very happy with my card.

22 April 2026
Unprompted review
Rated 5 out of 5 stars

Neo has been so good

Neo has been so good.
The only online bank which has a lot of amazing features.
Good interest rate and many more
I will recommend this bank to everyone.

22 April 2026
Unprompted review
Rated 5 out of 5 stars

The finalcial service are appropriate…

The finalcial service are appropriate for someone who just begin tu use financial service, i just think should be clear if are any cash withdrawal free (no pay commissions) there will be nice if are any, and also imform if are any strategy alliance with stores, companies where can bring more benefits to the customers

22 April 2026
Unprompted review

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