How to Get Cash Back on Your Simplii Financial Credit Card bill

What is Simplii Financial Credit Card?

Simplii Financial Credit Card bills average around $590/month for a typical household. Simplii states that if you only have a credit card with Simplii you must add it as a bill payment at your other bank: search Simplii and pick the Simplii Visa payee (shown as VISA SIMPLII FINANCIAL inside Simplii's own banking), then enter your card number; payments can take several days to post and anything after 6 pm ET posts the next business day.

How to Get Cash Back on Your Simplii Financial Credit Card Bill

1. Create your free Neobanc account: sign up at neobanc.com, takes about 2 minutes with instant verification.
2. Add Simplii Financial Credit Card as a payee: search "Simplii Financial Credit Card" in Bills. Banks and Neobanc list it as Simplii Visa / VISA SIMPLII FINANCIAL.
3. Enter your card number: Your full Simplii Visa credit card number, entered in the payee's Account Number box (Visa card numbers are 16 digits), see below for exactly where to find it.
4. Fund the payment by Interac e-Transfer: free, from any Canadian bank account in your name. One-time or recurring.
5. Earn cash back on every payment: 1% to 2% lands in your Neobanc balance. Withdraw it or put it toward next month's bill.

Where to Find Your Simplii Financial Credit Card Number

Format: Your full Simplii Visa credit card number, entered in the payee's Account Number box (Visa card numbers are 16 digits). Simplii says the card number, expiry date and CVC are printed on the back of your card; it does not describe an in-app card number view on its public pages, so use the physical card or your statement.

Verified against www.simplii.com, September 2026.

Can I Pay Simplii Financial Credit Card With a Credit Card?

No. You can't pay a credit card with another credit card through Neobanc. Credit card bills are funded by Interac e-Transfer from your bank account, which is free. What you gain is the cash back: paying Simplii Financial Credit Card straight from your bank earns nothing, while the same payment routed through Neobanc earns 1% to 2% back. On a typical $590/month statement, that's up to $142 a year for the exact same bill.

The Math on Your Simplii Financial Credit Card Bill

Average $590/month: Neobanc returns $5.90/month at the 1% rate, or $11.80/month on the 2% tier, up to $142 per year for changing how you pay, not what you pay. There is no fee: Interac e-Transfer funding is free.

How do I save the most on my Simplii Financial Credit Card bill each month?

Pay in full, and pay it through Neobanc. Paying by bank transfer or pre-authorized debit earns nothing; the same payment through Neobanc earns up to $142 a year. There is no flat late fee, but interest is 21.99% on purchases and 22.99% on cash advances, and missing the minimum payment twice in 12 months raises the rates to 24.99% and 27.99% for at least 12 months. Set a recurring Neobanc payment about a week before the due date: funds take 3 business days to process plus 1 to 3 business days for bill-pay delivery, and you earn on every cycle without running late.