Neo Financial

Checkout counter sticker shock is real. Fortunately, some relief might be right around the corner. On June 5, 2026, the federal government is issuing a special one-time top-up payment to help with your everyday expenses. This lump-sum cheque is designed to help ease the sting of high food prices before the GST/HST credit program is permanently replaced by the new Canada Groceries and Essentials Benefit this July. It’s essentially free money—but spending it as cash or debit leaves money on the table.

Many of us try to optimize our credit card stack, intentionally picking a card at the checkout just to get a bit more out of every purchase. But before you overcomplicate your strategy, ask yourself this fundamental question: Are your credit card rewards actually working for you, or are you working for them? When it comes to maximizing return on your wallet, the debate usually boils down to two major contenders: cashback credit cards vs. travel rewards cards.

Published on May 29, 2026 When working toward your financial goals, it can feel like your entire world—from qualifying for a car loan to finding a place to live—is contingent on that three-digit number. Despite how it might often seem, your credit score is not a permanent reflection of your financial worth. It is a tool designed to measure your current financial momentum—and that can always be redirected.

Published on May 29, 2026 Finding the best no-fee gas credit card in Canada is the fastest way to lower your daily commuting costs without adding an annual bill to your financial load. While legacy bank cards often limit fuel rewards with complex tiered traps, modern zero-fee options put money back in your pocket. Watching the numbers spin at the gas pump has become a regular source of financial anxiety for Canadians.

By Julien Brault, founder of MooseMoney. The most effective ways to avoid overdraft fees in Canada are to set up low-balance alerts on your chequing account, link a backup funding source like a line of credit, and use a financial institution like Neo that notifies you before a payment fails. "At a big bank, you'll get basically no information, no notice, and you'll get charged an NSF fee because you went into overdraft.

By Julien Brault, founder of MooseMoney. Neo Financial, EQ Bank, and Tangerine each offer no-fee joint accounts with distinct advantages depending on whether you prioritize interest rates, everyday chequing features, or ATM access. We picked the following three joint accounts because they charge no monthly fees, require no minimum balance to avoid fees and benefit from CDIC coverage: 1.

By Julien Brault, founder of MooseMoney. Credit cards are embedded in how Canadians pay for groceries, book travel, and handle emergencies. But they can also put you into serious debt faster than most people expect. One unpaid balance, a few months of minimum payments, and suddenly you owe more than you originally spent with no clear path out. "I could go to the bar and have one beer, but some people go to the bar and they have to have 20 drinks and they're intoxicated.

If you are searching for the best no-fee bank account in Canada, these four options charge zero monthly fees while still offering competitive interest, unlimited transactions, and modern digital tools. Here is what each one delivers and where they differ. 1. Neo Everyday Account In a Neo Everyday account, your deposits earn 0.1% on everyday chequing balances on every dollar, and you can make unlimited transactions without extra charges.

By Julien Brault, founder of MooseMoney. Neo Financial offers four secured credit cards offering different perks including travel miles and cash back, with no credit score requirement to qualify. Whether you are new to Canada, recovering from past credit issues, one of these cards can do the heavy lifting. What makes Neo's lineup unique is that every card it offers comes in two versions: a regular unsecured credit card and a secured version available through Neo's Build membership.

By Julien Brault, founder of MooseMoney. The Canadian credit system often feels like an exclusive club where you need a membership...to apply for a membership. If your credit score is currently in the gutter or non-existent, the big banks usually won't even look at your application. However, the industry has shifted and the gatekeepers have lost their power. There are now four types of cards that any Canadian can apply for and get with ease.