aid: neo-financial
url: https://raw.githubusercontent.com/api-evangelist/neo-financial/refs/heads/main/apis.yml
name: Neo Financial
kind: company
description: >-
  Neo Financial is a Calgary- and Winnipeg-based Canadian fintech (neobank)
  founded in 2019 by the founders of SkipTheDishes, offering credit cards,
  savings, money, investing, and mortgage products to consumers. Neo is not a
  chartered bank and holds no Canadian banking licence; it delivers
  CDIC-eligible deposits and card issuance through regulated partner
  institutions — Peoples Bank of Canada for everyday accounts, ATB Financial as
  Mastercard credit-card issuer, and formerly Concentra Bank (now part of
  Equitable Bank) for savings. Neo operates a consumer mobile and web platform
  only and publishes no first-party public developer API or developer portal;
  third-party access to Neo accounts today is available solely through data
  aggregators such as Flinks (a National Bank-owned Canadian aggregator) and
  Plaid via credential/screen-scraping access, not a documented first-party
  API. Canada's federal Consumer-Driven Banking (open banking) framework,
  legislated in Budget 2024 and overseen by the Financial Consumer Agency of
  Canada, is not yet operational, so no first-party FDX or CDB data API exists.
  Neo maintains a public GitHub organization of internal engineering tooling and
  an engineering blog, but ships no public API products.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Banking
- Canada
- Fintech
- Neobank
- Consumer Finance
- Credit Cards
- Data Aggregation
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.19'
apis: []
common:
- type: DomainSecurity
  url: security/neo-financial-domain-security.yml
- type: Packages
  url: packages/neo-financial-packages.yml
- type: Website
  url: https://www.neofinancial.com/
- type: GitHubOrganization
  url: https://github.com/neofinancial
- type: LinkedIn
  url: https://www.linkedin.com/company/neo-financial
- type: Blog
  url: https://www.neofinancial.com/blog
- type: Blog
  url: https://engineering.neofinancial.com/
- type: Support
  url: https://support.neofinancial.com/hc/en-ca
- type: PrivacyPolicy
  url: https://www.neofinancial.com/legal/privacy-policy
- type: TermsOfService
  url: https://legal.neo.cc/platform-terms-conditions
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com