How to Get Cash Back on Your Saint Mary's University bill

What is Saint Mary's University?

Saint Mary's asks you to allow 2 to 4 business days for an online banking payment to appear on your Account Summary by Term. TD customers should search for the payee as ST Mary's University. The math on this page uses $660/month as an example tuition; your own amount will differ, and the cash back scales with it.

How to Get Cash Back on Your Saint Mary's University Tuition

1. Create your free Neobanc account: sign up at neobanc.com, takes about 2 minutes with instant verification.
2. Add Saint Mary's University as a payee: search "Saint Mary's University" in Bills. Banks and Neobanc list it as Saint Mary's University / ST Mary's University.
3. Enter your student number: Your Saint Mary's student ID (A#), entered as the account or customer 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 tuition.

Where to Find Your Saint Mary's University Student Number

Format: Your Saint Mary's student ID (A#), entered as the account or customer number. Use your student ID (A#) as the account number, and check your Account Summary by Term or On Demand Statement in the Student Account Centre to confirm the payment and your term balance.

Verified against www.smu.ca, October 2026.

Can I Pay Saint Mary's University 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 $660/month Saint Mary's University tuition, that's roughly $238 back per year between a 2% cash-back card and Neobanc, for the exact same tuition.

The Math on Your Saint Mary's University Tuition

On a $660/month tuition, a 2% cash-back card returns about $13.20/month, and Neobanc adds $6.60 on top, roughly $238 per year for switching how you pay, not what you pay.

How do I save the most on my Saint Mary's University tuition each month?

Change how you pay before what you pay. Paying by bank transfer or Pre-authorized debit (PAD) earns nothing; the same tuition through Neobanc with a cash-back card returns about $238 a year. Saint Mary's charges a $50.00 late payment fee and interest on overdue accounts of 12.67% per annum. A recurring Neobanc payment a few business days before the due date earns on every cycle and never runs late.