How to Get Cash Back on Your oxio bill

What is oxio?

oxio bills average around $55/month for a typical household. oxio bills in advance and payment is due within 21 days. Add oxio as a payee at your bank; the minimum bank payment is $5 and transfers can take up to 7 business days to post. A credit card or Visa/Mastercard Debit is required for the first payment at signup.

How to Get Cash Back on Your oxio Bill

1. Create your free Neobanc account: sign up at neobanc.com, takes about 2 minutes with instant verification.
2. Add oxio as a payee: search "oxio" in Bills. Banks and Neobanc list it as oxio.
3. Enter your account number: 8-digit account number (add leading zeroes if your bank needs 8 digits), 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 oxio Account Number

Format: 8-digit account number (add leading zeroes if your bank needs 8 digits). The account number is listed on the left-hand side of your oxio invoice, and in the Client Portal under the Billing tab.

Verified against aide.oxio.ca, September 2026.

Can I Pay oxio 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 $55/month oxio bill, that's roughly $26 back per year between a 2% cash-back card and Neobanc, for the exact same bill.

The Math on Your oxio Bill

Average $55/month: a 2% cash-back card returns about $1.10/month, and Neobanc adds $0.55 to $1.10 on top, roughly $26 per year for switching how you pay, not what you pay.

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

Change how you pay before what you pay. Paying by bank transfer or Pre-authorized debit (PAD) earns nothing; the same bill through Neobanc with a cash-back card returns about $26 a year. Overdue balances accrue interest at 3% per month (36% per year), or 2.75% per month (33% per year) in Quebec, from the first day after the due date. A recurring Neobanc payment a few business days before the due date earns on every cycle and never runs late.