Safe and secure money
All deposits and payments are protected by world-class security infrastructure.
The power of money in your hands
Start building your independence with tools to manage your money, save smarter, and earn rewards. Made for teens, aged 13-17¹.
Canada's #1 rated financial app²
Get StartedAn ultra-powerful app with features designed for you
Get a debit-like card and a savings account for teenagers with no account fees, no minimum balances, or deposits (because your money should work smarter).
Neo Youth High-Interest Savings account (HISA)
Create personalized savings goals.
- Open multiple accounts for different savings goals, from grad trips to new clothes
- Set goal amounts and customize your account with names and icons
- Earn 4.00% interest³ on every dollar, so your money earns even more money
Get Started
JA Money card
Get rewarded for the things you want.
- Earn cashback on brands you love
- Redeem cashback whenever you want
- Understand your spending better with budgeting tools and insights
Get the card
Next generation money tools
No branch visits—ever
Instantly manage your accounts and card directly in the Neo app.
- Access your virtual card and use it instantly to make purchases online—no waiting for your physical card to arrive
- Freeze and unfreeze your card instantly
- Change your PIN anytime
Download app
We've got your back
Get notified in real-time
Stay in the loop about your spending activity. Get alerts whenever money comes in or goes out of your account.
Advanced app security
We’ve got cool features you can manage like Face ID, fingerprint lock, and two-factor authentication to keep your accounts safe.
Fresh financial content for free
Learn money management skills and build confidence with unlimited access to bite-sized financial content and tools in the JA Knowledge Hub.
Learn more
Who is Neo Financial?
Neo Financial™ is a financial services company that’s helping Canadians build a better financial future with spending, savings, and rewards.
Learn more about Neo Financial
Get the #1 rated financial app in Canada²
4.8*App store rating
1M+Engaged Users
#1Financial app in Canada²
Our trusted financial services providers
Got questions?
We've got answers.
What is a prepaid card and how does it differ from a credit card?
The JA Money card is a prepaid card that has the rewards of a credit card and the functionality of a debit card, without incurring debt or spending beyond your account balance. Access cash and spend your money online and in-store without having to manually load funds onto your card.
What is cashback?
Cashback is exactly what it sounds like—money back in your pocket, through your Rewards Wallet, when you make a purchase with your JA Money card at any of the thousands of partners, or the brands and categories where cashback is offered.
How do I use my cashback?
You can use your cashback for making purchases in the Neo Store, or cash out to your Neo Everyday account. Cashback is paid instantly and is accessible through your Rewards Wallet in the Neo app.
What is a high-interest savings account and why does it matter?
In addition to the JA Money card, you can open one or more Neo High-Interest Savings accounts, which help you easily earn interest on your savings. Interest is calculated daily and paid out monthly. When you want to save for specific goals, you can personalize your savings accounts with a goal name and amount to track your progress.
How do you calculate interest on my savings?
Earn 4.00% interest³ on your entire balance, no matter if you're a new or an existing member. Neo offers one of the highest rates in Canada, and it's not an introductory or promotional rate.
How much interest will I earn in my Neo High-Interest Savings account?
The interest you earn is based on your account balance. Your Neo HISA earns 4.00% interest³ per year on your entire balance. Interest is calculated daily on the total closing balance each day and paid monthly. This means the monthly earned interest will be added to your account balance and you’ll start earning interest on your paid out interest. Feels a bit like inception, right? This is what we call compounding interest! Maximize your interest-earning potential by starting to save early and make regular deposits into your account.
Is my money insured?
The Neo High-Interest Savings account is provided by Peoples Bank of Canada, a CDIC member institutionand is eligible for CDIC deposit protection. Deposits held in Neo High-Interest Savings accounts are combined with eligible deposits held at Peoples Bank of Canada, for up to $100,000 of deposit protection, per category, per depositor. For more information about CDIC deposit insurance, please consult CDIC’s website cdic.ca.
Who is JA Canada and how does the JA Money card support the organization?
Junior Achievement of Canada (JA Canada) is a non-profit educational organization committed to youth success. Learn more atjacanada.orgYour JA Money card usage generates donations for JA Canada at no cost to you.
When should I start saving, and how much money do I need?
The earlier you start saving, the longer your money has to grow. But you certainly don’t have to have a lot of money to get started with a savings account—you can always start small and add more money to your savings with your allowance or income from your job.
The Neo High-Interest Savings account is provided by Peoples Bank of Canada.The Neo High-Interest Savings account is provided by Peoples Bank of Canada, a CDIC member institution, and is eligible for CDIC deposit protection. Deposits held in Neo High-Interest Savings accounts are combined with eligible deposits held at Peoples Bank of Canada, for up to $100,000 of deposit protection, per category, per depositor. For more information about CDIC deposit insurance, please consult CDIC’s website cdic.caThere are no transaction fees applicable to the Neo High-Interest Savings account. If you require a printed version of a monthly statement or other document, a $5 fee applies for each printed document.The JA Money card is a prepaid Mastercard® issued by Neo Financial pursuant to license by Mastercard International Incorporated. The JA Money card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.Neo AI is an educational tool and shouldn't be used as a source of financial advice, answers provided by Neo AI may not always be accurate.Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements.¹ Account only available to Canadian residents. You must be at least 13 years of age if you reside outside of Quebec; if you reside in Quebec you must be at least 14 years of age.² Based on research comparing and limited to: BMO, CIBC, KOHO, PC Financial, EQ, RBC, Scotiabank, Tangerine, TD Bank, Wealthsimple, and Simplii Financial app ratings in the App Store and Google Play. Research conducted by Neo Financial on December 12, 2023.³ Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice.⁴ Based on research of high-interest savings accounts, comparing and limited to: BMO, CIBC, Scotiabank, TD Bank, RBC, Simplii Financial, Desjardins, and Tangerine. Research conducted by Neo Financial and based on data taken from public websites on November 28, 2023. Research includes promotional offers with a term of 0-5 months.