What is 407 ETR?

407 ETR bills average around $85/month for a typical household. The 407 is Ontario's electronic toll highway, billed monthly per trip with no tollbooths, and Canada's single most-searched bill (5,400 searches/month).

How to Get Cash Back on Your 407 ETR Bill

1. Create your free Neobanc account: sign up at neobanc.com, takes about 2 minutes with instant verification.
2. Add 407 ETR as a payee: search "407 ETR" in Bills. Banks and Neobanc list it as 407 ETR.
3. Enter your account number: 9-digit account number (not your transponder number), see below for exactly where to find it.
4. Pay with your preferred credit card: one-time or recurring. Your card earns its normal rewards; Neobanc adds cash back on top.
5. Earn cash back on every payment: cash back lands in your Neobanc balance. Withdraw it or put it toward next month's bill.

Where to Find Your 407 ETR Account Number

Format: 9-digit account number (not your transponder number). the top-right of your monthly 407 ETR statement, or in your account at 407etr.com

Can I Pay 407 ETR With a Credit Card?

Yes, and it's the whole point. Most billers don't reward you for how you pay. Through Neobanc, your card earns its normal rewards and Neobanc adds 1% to 2% cash back on top. On a typical $85/month 407 ETR bill, that's roughly $41 back per year between a 2% cash-back card and Neobanc, for the exact same bill.

The Math on Your 407 ETR Bill

Average $85/month: a 2% cash-back card returns about $1.70/month, and Neobanc adds $0.85 to $1.70 on top, roughly $41 per year for switching how you pay, not what you pay.

How do I save the most on my 407 ETR bill each month?

Change how you pay before what you pay. Paying by bank transfer or pre-authorized payment earns nothing; the same bill through Neobanc with a cash-back card returns about $41 a year. 407 ETR charges interest on overdue balances and can block your licence plate renewal through ServiceOntario. A recurring Neobanc payment a few business days before the due date earns on every cycle and never runs late.