How to Get Cash Back on Your Beneva bill

What is Beneva?

Beneva was formed when La Capitale and SSQ Insurance joined forces, and financial institutions changed existing La Capitale and SSQ payees to Beneva. For home and car insurance, choose the payee Beneva - General Insurance. The math on this page uses $150/month as an example bill; your own amount will differ, and the cash back scales with it.

How to Get Cash Back on Your Beneva Bill

1. Create your free Neobanc account: sign up at neobanc.com, takes about 2 minutes with instant verification.
2. Add Beneva as a payee: search "Beneva" in Bills. Banks and Neobanc list it as Beneva - General Insurance / Beneva - Individual Insurance.
3. Enter your policy number: 15-digit reference number printed on your invoice, used to make online payments for home, car and commercial insurance, 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 Beneva Policy Number

Format: 15-digit reference number printed on your invoice, used to make online payments for home, car and commercial insurance. The 15-digit reference number appears on your Beneva invoice; your policy number is on your contract or invoice.

Verified against www.beneva.ca, October 2026.

Can I Pay Beneva 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% cash back on top. On a $150/month Beneva bill, that's roughly $54 back per year between a 2% cash-back card and Neobanc, for the exact same bill.

The Math on Your Beneva Bill

On a $150/month bill, a 2% cash-back card returns about $3.00/month, and Neobanc adds $1.50 on top, roughly $54 per year for switching how you pay, not what you pay.

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

Change how you pay before what you pay. Paying by bank transfer or pre-authorized debit earns nothing; the same bill through Neobanc with a cash-back card returns about $54 a year. A recurring Neobanc payment a few business days before the due date earns on every cycle and never runs late.