Rent day sucks.

Let's fix that.
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3,000+ users
Start saving today
* 5% cashback is a limited-time promotion.
Additional cashback (up to 4%) depends on your credit card issuer and may vary based on your card’s terms and rewards program.

Rent. Due. Panic.

Get Rent Loans.
We make it simple to get a loan.
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3,000+ users

Canadians are turning to Neobanc for rent loans that work on their schedule.

Start saving today

Bill payments don’t have to suck.

Earn cashback on the bills you
have to pay anyway.
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3,000+ users

Canadians are earning rewards every time they pay bills with Neobanc.

Start saving today
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get rewarded for paying your mortgage.

Earn up to 0.5% Cashback
on your mortgage payments!
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3,000+ users

Canadians are earning rewards every time they pay their mortgage with Neobanc.

Start saving today

Tired of Watching Bills Pile Up?

Toss the stress — not just the envelopes.
With personal loans up to $35,000.
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3,000+ users

Canadians are enjoying less stress with Personal Loans with Neobanc.

Start saving today
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Paying Rent? Make It Count.

Every on-time payment helps
build your credit score—automatically.
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3,000+ users

Canadians are building credit with less stress—thanks to Rent Reporting with Neobanc.

Start Rent Reporting Today
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Gift Cards for the Stuff You Already Buy

Groceries, delivery, gas, and more!
Earn cashback from brands you use every day.
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3,000+ users

Canadians are using Neobanc to pay life expenses and earn cashback rewards. Safe and fast!

Shop Cards. Earn Cashback.
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Trustpilot
Up to 9%* cashback. Because paying rent shouldn’t feel like charity.
EARLY BLACK FRIDAY EVENT

We’re giving back. You already save during Black Friday, and now we’re adding even more savings on top.

FULL CASHBACK DISCOUNT ON ALL GIFT CARDS - UNTIL DEC 1

No linking. No setup.
Just double the savings on top of the biggest Black Friday sales of the year.

SAVE MORE.
EARN MORE.
SHOP SMARTER.
SAVE MORE.
EARN MORE.
SHOP SMARTER.
Shop Gift Cards

Here’s how this Black Friday deal works:

Double Savings
Use Neobanc gift cards to save on top of Amazon, Best Buy, Indigo, Walmart, Apple, Wayfair, and more.

Sale price + cashback = bigger savings.
No Bank Linking Required
100% Discount for Everyone

Before: 50% cashback without linking.

Now until Dec 1: full cashback for all users.

No bank link needed!
Get Rewarded Immediately
Buy a gift card → get cashback added to your balance → shop the Black Friday sale with your gift card.

Fast, easy, secure.
TESTIMONIAL

Why renters love Neobanc.

@
thepance
As long as you guys are everything you say you are, I'm glad to promote to my network.
@
tonmoy.bhowmik
Switching to Neobanc has been a game-changer for me! Paying my rent is now seamless, and I love earning rewards in the process.
@
nadene.freysen
I’ve been paying with Neobanc for 3 months now and I’m super happy I found it!
@
jayzhoumt
Hopefully you will enjoy the use of Neobanc as I do.
@
julialimaclb
It's finally getting a "thank you" for being an adult.
@
paula_knight__
I just set it up under 2 minutes. Everything went super smoothly.
@
jelimark.alvarez
It's just seamless—very simple process. It doesn't even take that long.
ALL YOUR PAYMENTS. ONE PLATFORM.

Neobanc Makes Paying for Life’s Essentials Simple, Smart, and Rewarding.

Build Credit While You Pay
Your rent builds your credit, automatically.
Make Rent Work for You
Pay rent your way and earn cashback every month.
Bills Made Rewarding
Turn every bill into cashback! From utilities, phone, internet, and more.
Rent Support When You Need It
Get approved fast when rent catches you off guard.
Cashback on Your Mortgage
Even your mortgage can earn you money back.
Personal Loans That Work for You
Quick funding, fair terms, and cash when you need it most.
Shop Smarter with Gift Cards
Buy gift cards for gas, groceries, Amazon, and get instant cashback.
How it works

How Neobanc works in just 3 steps.

1
Fund your account
Fund your Neobanc account via Interac e-Transfer® or Credit Cards before the due date.
2
Your landlord is paid
We send the full rent on your behalf, right on the due date via Interac e-Transfer®.
3
You get cashback
Up to 9%* back for an expense that you already have every month.
Get started today
safety first
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Your money is always safe in a CDIC-insured account.
Neobanc Does More Than Rent

More Ways to Earn Cashback with Neobanc

Pay your bills
From phone plans to hydro to internet. Pay your bills through Neobanc and get 1% cashback, every time.
Cover your mortgage
Pay your mortgage and earn 0.5% cashback on your monthly payments! Real money back on what used to be a dead-end.
Shop with gift cards
Earn cashback instantly when you buy digital gift cards for everyday essentials — like groceries, gas, Amazon, and more.
See how much you could earn
Use our Cashback Calculator to find out how much you could be getting back, every single month.
Try the Cashback Calculator
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Neobanc bill pay
From rent to Rogers, these are just some of the bills our users trust Neobanc to handle every month.
Bills, Bills, Bills — We’ve Got You Covered
Pay Bills, Get Rewards
stack it up
Stack Smarter: Why Using Your Credit Card Pays Off
Want to turn boring payments into business-class perks? Here’s how Neobanc helps you do just that:
Credit Card Stacking = Max Value
When you pay rent using a rewards credit card, you’re not just earning Neobanc cashback — you’re double-dipping.

Here’s what that could look like:
High-Reward Amex Card / Scotia Momentum Visa Infinite Card
Card Reward (Up to ~4%):
• $960/year on $2,000 rent
• $1,200/year on $2,500 rent

Total Stacked Reward (Neobanc 5% + Card):
• Up to $2,160/year on $2,000 rent
• Up to $2,700/year on $2,500 rent

What You Could Do:
✈️ Fly business class to NYC, LA, or Miami
🍣 Dine out every weekend without touching your bank account
📱 Snag a new iPhone, Laptop, or upgrade your setup
TD Cash Back Visa Infinite
Card Reward (Up to ~3%):
• $720/year on $2,000 rent
• $900/year on $2,500 rent

Total Stacked Reward (Neobanc 5% + Card):
• Up to $1,920/year on $2,000 rent
• Up to $2,400/year on $2,500 rent

What You Could Do:
🌍 Book your next Eurotrip and fly there for free
🛏️ Stay at luxury hotels you thought were out of reach
📺 Splurge on tech, a PS5, or finally upgrade that couch
CIBC Cashback or Dividend Card
Card Reward (Up to ~2%):
• $480/year on $2,000 rent
• $600/year on $2,500 rent

Total Stacked Reward (Neobanc 5% + Card):
• Up to $1,680/year on $2,000 rent
• Up to $2,100/year on $2,500 rent

What You Could Do:
🎉 Cover an entire long weekend getaway — flights, hotel, and all
🛒 Groceries for months — totally on cashback
🧘 Stress less knowing your rent is actually paying you back
SECURE TRANSACTION

We treat your rent like it’s our own.

CDIC-insured partner bank
100% on-time rent delivery
$2 million liability insurance by Zensurance
Backed by accelerators and venture capital partners
Rentwire

Neobanc Private Beta legit?

If you’ve stumbled across Neobanc on Reddit, in a friend’s group chat, scrolling LinkedIn, or while paying rent, you’ve probably asked yourself: “is this thing even real?”

Read more
Rentwire

When Did Mortgages Become Reward-Eligible?

Spoiler: Right now. Let’s get real: each month, your mortgage payments have been the OG take-no-prisoners expense — the biggest, longest-running, most committed relationship you’ll ever have (unless you count your Netflix subscription).

Read more
Rentwire

Neobanc Reports 800% Growth in 5 months Since Launch

Neobanc, North America’s fastest-growing fintech startup offering cashback on rent, bills, and mortgages, today announced it has achieved an 800% growth rate since its March 2025 launch.

Read more
Rentwire

When did rent become a subscription to nowhere?

Every month, you pay rent like it’s Netflix — but instead of streaming happiness, you get drafty windows, hidden charges, and no rewards. Welcome to the subscription that gives you nothing back — unless you stand up to the system.

Read more
Get credit where credit’s due.
Rent reporting is now live. Finally, your rent payments will stop being invisible.
Frequently Asked Questions

People often ask us

Is Neobanc safe to use?

Yes. Neobanc utilizes proprietary payment processing technology to ensure secure transactions.

How do I earn cashback?

Neobanc offers 1% cashback applied toward your next rent payment. Alternatively, if you choose to stake your cashback for a year, you can earn 5%.

How does Neobanc work?

You fund your Neobanc wallet at least three days before your rent is due. On the due date, we transfer the funds to your landlord. This process earns you cashback on every rent payment.

Visit our support page
We’ve rolled out two powerful features:
• Mortgage Pay now lets you upload your mortgage details and get 0.5% cashback every time you send payments through us — no hassle, just savings.
‍
• Personal Loans are live! Borrow up to $35,000 with no judgment and flexible terms, whether it’s for debt consolidation, unexpected expenses, or big life moves.

It’s all designed to make life (and money) a little easier.
$2M
liability insurance
Up to
9%
cashback*

Listen to our anthem

3K+
happy users
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Join Neobanc now
Backed by world-class investors and accelerator programs.
Proudly made in Canada
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Up to 9% cashback is available, including 5% from Neobanc (when you select a 12-month rewards option) and up to 4% from your credit card’s rewards program. The 5% cashback is delivered monthly over 12 months, starting 365 after your first payment and not as a lump sum. Actual credit card rewards may vary based on your card issuer and terms.