# http://neobanc.com llms-full.txt ## Cashback on Payments [![Arrow ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b0_Button%20Arrow.svg)](https://www.neobanc.com/#hero) ![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241a_Box%20(2).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241b_Box%20(3).webp) ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122d2_Icon.svg)![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122d3_Icon.svg) # Where Everyday Payments Start Paying You Back. Neobanc lets you earn cashback across rent, bills, mortgage payments, and gift cards — giving you more value from the expenses you can’t avoid. [Get Started\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Get Started](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2F) ![radiel image](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122fa_radiel%20image.webp) ![Purple ball v1](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12271_Purple%20ball%20v1.webp) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69611eae910ca287a74b58a3_mainphone.png) ![UV Ray](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1243a_UV%20Ray.webp) ## Your Spending, Streamlined and Rewarded ## Handle rent, bills, mortgage payments, and gift card purchases effortlessly — and earn cashback on all of it. Neobanc gives you one clean overview of your payments, balances, and rewards, updated in real time.  Your money finally works for you. Current Cashback Balance $1,178.25 ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122c1_icon.svg) Cashback balance $1,178.25 This Month's Cashback $553.00 Rent Amount $2750.00 Recent Bill Payments $2,062.25 ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69370753fda4245347b60eeb_Group%201597883777.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693705e8f61e48a8d472d864_Frame%2046.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69370602fc699a8a00db463a_Frame%2045.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693705ce8b7588e80efadff2_Frame%2044.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69370639ef6a17408c02baec_Frame%2047.png)![Round shape](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122f4_Round%20multishape.webp)![Round shape](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122c6_Round%20shape.webp)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693705146a3582d2c6a81d6d_cashback-circle.png) Cashback on all Your Expenses Neobanc helps you save money on the payments you can’t avoid. Track your spending, earn cashback instantly, and keep more of your money each month. ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693704341b3f701b6a7c6256_hand-card.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693704341b3f701b6a7c6256_hand-card.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693704341b3f701b6a7c6256_hand-card.png) Effortless rewards, every month Every payment you make through Neobanc contributes to your cashback balance, helping you save without even thinking about it. [Get started now\\ \\ ![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)\\ \\ Get started now](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2F) Whether it’s rent, credit cards, hydro, internet, mobile, or taxes, Neobanc makes it easy to pay your essential bills. These are just a few of the many billers our users pay through Neobanc every month. ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693842b0cceb8d5c86207223_Scotiabank_id3Ga1ZJjW_1.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693842d5c1afe013b4669003_Hydro%20One_idgAsv9dUf_1.svg) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693842f7491db170ac8a300f_Rogers_idWJO_s226_1.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693843071245a55cb3001f80_Enbridge_Logo_Alternative_1.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693843240895bad5f76bcba4_Mastercard_Symbol_1.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6938433f68039bc64dd0a5d0_Alectra_idLorP5vys_0.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69384353c2f76b11a3207adb_CIBC_idEtE_2smO_1.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6938436d1bc07ac641919328_Telus_idw6HTSslI_1.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693843894387baf415a1a9e6_Freedom%20Mobile_idBLgyYTDg_1.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6938433f68039bc64dd0a5d0_Alectra_idLorP5vys_0.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69384954d2fad8954dba63ef_Capital_One_logo_PNG1.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69384b73669e94a42a2309bf_Canada.ca_idXWX715kC_1.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69385157bace7589e47fa3f6_TD%20Bank_id-BsLLUQM_1.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69385188e66e56e0dc81d8d1_id0mIWdYO4_1765298553926.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693851d7578290281cb040ac_Visa%20Inc._idDUM8TcN7_1.png) ## Yes — You Can Pay Your Credit Card Bills No workarounds. No confusion. 1% Cashback! With Neobanc, you can pay your credit card bills just like any other bill. Your payment is securely processed and delivered to your credit card provider — helping you stay organized and avoid missed payments. Credit card bills must be paid using Interac e-Transfer. Credit cards cannot be used to pay other credit cards. [Get Started\\ \\ ![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)\\ \\ Get Started](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2F) ![Location one](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122be_Location%20one.webp)![Location three ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122b9_Location%20three.webp)![Location five](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122af_Location%20five.webp)![Location two](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122bb_Location%20two.webp)![Location four](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122ba_Location%20four.webp) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694185badf8e6f47d2fbebe3_screennotification.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6938557c922e6e80c3166b10_Interac_Brand_2021.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693856ae085ea07cccc57ce0_Apple_Pay-Logo.wine.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693843240895bad5f76bcba4_Mastercard_Symbol_1.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693856ae085ea07cccc57ce0_Apple_Pay-Logo.wine.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6938479b6643d277c8d048a4_AXP_BlueBoxLogo_Alternate_REGULARscale_RGB_DIGITAL_700x700.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693851d7578290281cb040ac_Visa%20Inc._idDUM8TcN7_1.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693855a35235d97ce25b0424_google-pay.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693851d7578290281cb040ac_Visa%20Inc._idDUM8TcN7_1.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6938557c922e6e80c3166b10_Interac_Brand_2021.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693856ae085ea07cccc57ce0_Apple_Pay-Logo.wine.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6938557c922e6e80c3166b10_Interac_Brand_2021.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693851d7578290281cb040ac_Visa%20Inc._idDUM8TcN7_1.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693843240895bad5f76bcba4_Mastercard_Symbol_1.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693855a35235d97ce25b0424_google-pay.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693851d7578290281cb040ac_Visa%20Inc._idDUM8TcN7_1.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6938557c922e6e80c3166b10_Interac_Brand_2021.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693843240895bad5f76bcba4_Mastercard_Symbol_1.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6938479b6643d277c8d048a4_AXP_BlueBoxLogo_Alternate_REGULARscale_RGB_DIGITAL_700x700.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693856ae085ea07cccc57ce0_Apple_Pay-Logo.wine.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693855a35235d97ce25b0424_google-pay.png) ## Choose the payment method that works best for you ###### Choose your preferred method — Interac e-Transfer, credit card, Apple Pay, or Google Pay — and earn cashback no matter how you pay. [Start Paying Bills\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Start Paying Bills](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2F) # Your All-In-One Dashboard # for Rent, Bills, Mortgage & Rewards. # Pay, Track & Earn # Manage your money smarter with modern tools designed for secure, seamless financial control ![Gradient image](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122ad_Gradient%20image.avif) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693487063d05524c394b64ca_neobanc-details.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6934853da247903b72dcedef_neobanc-balance.png) Your Payments. Now With Real Rewards. Why just pay bills when you can earn from them? Get cashback on rent, mortgage payments, everyday bills — even credit card bills — and gift cards, all in one simple platform. ![tick mark](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12278_tick%20mark.svg) Earn up to 5% cashback on rent, and up to 9% total value when stacking Neobanc rewards with your credit card rewards. ![tick mark](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12278_tick%20mark.svg) Make mortgage payments through Neobanc and earn 0.5% cashback on every payment. ![tick mark](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12278_tick%20mark.svg) Earn 1% cashback on eligible bills, including utilities, telecom, subscriptions, and credit card bills. Pay by credit card or Interac and stack rewards. ![tick mark](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12278_tick%20mark.svg) Shop hundreds of popular brands and earn instant cashback on digital gift card purchases. Smarter Payments, Real Rewards Use Neobanc to pay rent, manage bills, handle mortgage payments, and buy gift cards from top brands. Your rewards update instantly, helping you save more on every transaction you make. [Get Started\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Get Started](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2F) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69371ba6fad697d2c0f2578a_Group%201597883849.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6934888dcc20b9751ff8df6d_neobanc-recent-transactions.png) ## Flexible payment tools designed to make everyday payments easier — and help you move closer to homeownership. Send Payments by Link or Email Pay rent or bills — even when someone else is paying. Send a secure payment link by email or text. The person paying doesn’t need a Neobanc account — they simply choose Interac e-Transfer or credit card and complete the payment in minutes. Perfect for splitting rent, covering a bill, or having someone pay on your behalf. Payments are processed in your name, tracked in your dashboard, and delivered securely. Cashback Toward Your Future Home Turn rent and bill payments into a down payment. You earn 4–12% cashback on eligible rent and bill payments — far more than standard cashback. In exchange, you share a portion of what you would normally earn, and the rest is automatically set aside toward your future home purchase. Your cashback grows based on how far out you plan to buy, and when you’re ready, those funds are applied directly toward your down payment — funded in partnership with the realtor on your future purchase. ![Purple ball v1](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12271_Purple%20ball%20v1.webp)![Purple ball v1](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12271_Purple%20ball%20v1.webp)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69347f5faf8ce9fe2977edc5_neobanc-member-card.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941d3ba1749aaf3541d5df3_neobanc-phone%20Background%20Removed%20Large.png) ## Why Thousands Trust Neobanc [Because Neobanc Helps You Save on Everything\\ \\ Pay rent, or your mortgage, handle your bills, buy gift cards, shop online — and earn cashback on everything. Neobanc puts money back in your pocket every month.](https://www.neobanc.com/#) ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12274_Icon.svg) Pay Rent & Earn Rewards ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12273_Icon.svg) Pay Bills With Cashback ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12274_Icon.svg) Make mortgage payments and get rewarded every time. ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12274_Icon.svg) Gift Cards That Pay You Back ## Feel confident with secure, compliant, and trusted payment infrastructure ![Blue circular logo with a globe design in the center and the text 'APPROVED MSB SERVICES' around the edge.](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693876130442c3f635967b56_317491cecc4e2649db938244e319efc5_logo-msb.webp) Registered MSB Neobanc operates under strict Canadian regulatory standards, ensuring your payments are handled securely and in full compliance with FINTRAC requirements. ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69387640017e802ba84f9643_Trustpilot_idNuunj7cw_1.png) Trustpilot Custom Widget [Trustpilot\\ \\ 4.7 out of 5 star rating on Trustpilot\\ \\ TrustScore **4.7****26** reviews](https://www.trustpilot.com/review/neobanc.com?utm_medium=trustbox&utm_source=Mini) Rated 4.7 out of 5. 26 reviews on TrustpilotClick to view the company's Trustpilot profile Real users rate Neobanc highly for simplicity, security, and reliability — giving you confidence every time you pay rent, bills, or buy gift cards. ![Shield-shaped PCI DSS compliant badge with a checkmark symbol.](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693876630442c3f635967b57_2145132c511c0d5940d7a59fb77f80e6_framework-informational-page_hero-badges-pci-dss.webp) PCI-Certified Payment Security Your card information is protected with industry-standard PCI-DSS compliance — the same level of encryption used by major financial institutions. ### Experience complete peace of mind with every payment We treat your payments like it’s our own — partnering with trusted, insured financial institutions and industry-leading protections to keep your money safe. ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232e_check.svg) CDIC-insured partner bank ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232e_check.svg) Payments made via Interac e-Transfer are insured up to $10,000 through reLease. ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232e_check.svg) 100% on-time rent delivery ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232e_check.svg) $2M liability coverage through Zensurance ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232e_check.svg) Backed by top accelerators & venture capital partners ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941887469d24af31c5b70b4_phonescreenconfimneobanc.png) ![Shape](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12397_Shape.svg) ![Bg shape](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123c0_Bg%20shape.webp) ## Grow your savings, start earning more cashback today [Get Started\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Get Started](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2F) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69347197d21239273e670f43_554352cf48bf141b0065bba97ca75d32_Neobanc%20Logo%20Horizontal.svg)](https://www.neobanc.com/#) Turn everyday expenses into monthly rewards. Neobanc makes it easy to pay rent, handle bills, manage your mortgage, and buy gift cards, all while earning cashback on the essentials of life. [![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12277_Icon.svg)](https://www.facebook.com/neobanc/)[![Logo](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12275_Logo.svg)](https://www.linkedin.com/company/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12289_Icon.svg)](https://www.instagram.com/neobanccom)[![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694181ee1f461c320e35fbe9_26c77da5aa4eb1dc9a8a687b8c669305_youtube.svg)](https://www.youtube.com/@neobanc) Quick links [Home](https://www.neobanc.com/) [About Us](https://www.neobanc.com/about-neobanc) [Cashback Calculator](https://www.neobanc.com/cashback-calculator) [WTFaqs](https://www.neobanc.com/neobanc-faq) [Articles](https://www.neobanc.com/articles) Features [Rent](https://www.neobanc.com/cashback-on-rent) [Bills](https://www.neobanc.com/cashback-on-bills) [Mortgages](https://www.neobanc.com/cashback-on-mortgages) [Giftcards](https://www.neobanc.com/cashback-on-gift-cards) Address 1050 King St W Toronto, ON M6K 0C7 Canada Contact [Call Us](tel:+1(647)559-2909) [Email Us](mailto:team@neobanc.com) © 2025 Neobanc Inc. \|  MSB Licence Number: C100000880 Under Neobanc Inc.. [Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Complaints](https://www.neobanc.com/legal/complaints) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) Chat Widget ## Neobanc Articles Hub [![Arrow ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b0_Button%20Arrow.svg)](https://www.neobanc.com/articles#nav) ![](https://cdn.prod.website-files.com/683e7f3735464317a4f8c750/684186f2c0c8b573701c5e25_Group%201009002270.png)![](https://cdn.prod.website-files.com/683e7f3735464317a4f8c750/684185e7cc327601705541da_Box%20(6).png)![](https://cdn.prod.website-files.com/683e7f3735464317a4f8c750/6841858505a7141fd8f0d6cd_Box%20(5).png)![](https://cdn.prod.website-files.com/683e7f3735464317a4f8c750/684184ddc226f1214cfa7336_Box%20(4).png)![](https://cdn.prod.website-files.com/683e7f3735464317a4f8c750/6841784e85a3712246bfd27a_Box%20(2).png) Neobanc # Articles, Insights & Press ### We share helpful articles to make renting, paying bills, and managing money easier. From step-by-step guides and financial tips to announcements and media features, this is where you’ll find everything worth reading about Neobanc. [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bcac96115797155393a_6939c0140fdeed2451be52fe_FirstTimeOntarioRental.webp)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ First-Time Renting in Ontario: Complete Beginner's Guide \[2026\]\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/first-time-renting-ontario-guide) [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bcab1a42568f5a8a57c_6939b3ad902a15624a020f9e_CreditScoreRentOntario.webp)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ What Credit Score Do You Need to Rent an Apartment in Ontario? \[2026 Guide\]\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario) [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bca152d423696a91934_6939aee1ca0b0cffaf4425c9_Tenant-Rights-Ontario-2026.png)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ Tenant Rights Ontario 2026: Complete RTA Guide\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/tenant-rights-ontario) [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bcae1409abe6bf1e178_6939a35d6f96eebd8f297ecb_OntarioRentIncrease2026.webp)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ Ontario Rent Increase 2026: Maximum Guideline & What Renters Need to Know\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/ontario-rent-increase-2026) [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bca8e0af4a864b92da8_6939912107ffd7357d4162d1_OfficeMovingCheckList.webp)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ Moving Checklist Ontario: Everything Before, During & After Your Move\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/moving-checklist-ontario) [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69374222dddedc7bb1ecf851_691793c410bc5f025a6f8fce_neobanc-yahoo-finance-article.jpeg)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 12, 2026\\ \\ Neobanc Reports 800% Growth in 5 months Since Launch, Allowing Thousands to Save Money on Rent each month with Cash back\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/neobanc-yahoo-finance-article) [Next](https://www.neobanc.com/articles?83395cbf_page=2) 1 / 2 ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad124be_footer%20gradient.webp) ## Grow your savings, start earning cashback today [Join Neobanc\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Join Neobanc](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Farticles) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344d7a8bd3b3f01e2ebaa1_Neobanc%20Logo%20Horizontal-3.svg)](https://www.neobanc.com/) Turn everyday expenses into monthly rewards. Neobanc makes it easy to pay rent, handle bills, manage your mortgage, and buy gift cards, all while earning cashback on the essentials of life. [![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b6_Icon.svg)](https://www.facebook.com/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b8_Icon.svg)](https://www.linkedin.com/company/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b7_Icon.svg)](https://www.instagram.com/neobanccom)[![YouTube]()](https://www.youtube.com/@neobanc) Quick links [Home](https://www.neobanc.com/) [About Us](https://www.neobanc.com/about-neobanc) [Cashback Calculator](https://www.neobanc.com/cashback-calculator) [WTFAQs](https://www.neobanc.com/neobanc-faq) [Articles](https://www.neobanc.com/articles) Features [Rent](https://www.neobanc.com/cashback-on-rent) [Bills](https://www.neobanc.com/cashback-on-bills) [Mortgages](https://www.neobanc.com/cashback-on-mortgages) [Giftcards](https://www.neobanc.com/cashback-on-gift-cards) Address 1050 King St W Toronto, ON M6K 0C7 Canada Contact [Call Us](tel:4165592902) [Email Us](mailto:team@neobanc.com?subject=Support%20from%20Neobanc) © 2025 Neobanc Inc. \|  MSB Licence Number: C100000880 Under Neobanc Inc.. [Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) [Complaints](https://www.neobanc.com/legal/complaints) Chat Widget ## Enterprise Payment Solutions [![Arrow ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b0_Button%20Arrow.svg)](https://www.neobanc.com/solutions-enterprise#nav) ![Light image](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12295_UV%20Ray.avif)![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12250_Box%20(6).avif)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1224e_Box%20(7).avif)![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12292_Box%20(5).avif)![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12291_Box%20(4).avif)![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1224c_Box%20(2).avif)![Blue Shape](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12251_Blue%20Shape.webp) # Embed Rent, Bill & Reward Payments Directly Into Your Platform Let your users pay rent and bills, earn cashback, and manage their finances — all without leaving your app. With Neobanc’s secure, fully white-labeled APIs, you keep the relationship while unlocking new engagement and revenue. [Become a Partner\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Become a Partner](https://www.neobanc.com/solutions-enterprise#partner-form) ![Purple shape ball](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1224d_Purple%20shape%20ball.avif)![Purple shape ball](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1224d_Purple%20shape%20ball.avif) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694319344a25cc60fc8159f2_freepik__a-fullframe-vertical-enterprise-fintech-card-with-__12708.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694316981de7bdd1778df7f4_freepik__a-fullframe-vertical-enterprise-fintech-card-filli__12707.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6943199bf50a424bcd485d6e_freepik__a-fullframe-enterprise-fintech-card-filling-the-en__12709.png) ## Why Tech Platforms Integrate with Neobanc Embed flexible payment experiences directly into your platform. Neobanc helps companies unlock new revenue streams, increase user engagement, and deliver modern financial experiences — all through a scalable, secure API. More value for your users Enable rent, bill, and gift card payments with cashback — directly in your product. Keep users in your ecosystem Fully white-labeled APIs mean your brand stays front and center while Neobanc powers the backend. Recurring revenue stream Earn ongoing revenue based on the volume of payments your users process. No upfront costs or complexity Integrate only the APIs you need, with developer-friendly documentation and support. ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6943266d213ad106aa456b13_freepik__a-premium-fullframe-fintech-illustration-represent__12714.png) ## Built for Partners — From Integration to Growth transactions ### Keep track of your transactions and payments [View more\\ \\ ![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)\\ \\ View more](https://www.neobanc.com/solutions-enterprise#) ![Logo](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12557_Logo-24.svg) Boost user engagement & retention Offer meaningful financial value that keeps users logging in monthly. ![Author](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1252f_Author-13.avif)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694036f013d78f3cedda7bfb_Group%201009002162.png) Drive long-term loyalty Cashback and rewards create stickier user behavior and higher lifetime value. ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694035d6f087ef56a354fbdd_weeklyrev.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694035648d32a4475267dade_dash.png) Seamless integration & Modular, plug-in architecture Connect seamlessly through flexible APIs without interrupting your existing workflows. Pick only the APIs you require — such as rent, bills, credit reporting, rewards, and others. ![Gradient image](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12258_Gradient%20image%20(1).webp)![Grid box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12254_Grid%20box.webp) ## How Neobanc Fits Into Your Product Embed payments with ease Your users pay rent and bills through your app using Neobanc’s APIs — via credit card or Interac, with cashback. ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69431cf2bae0580b62ec7e07_freepik__a-compact-darkthemed-fintech-infrastructure-visual__12710.png) Cashback & credit-building rewards Users earn cashback (up to the rates your product supports) and can build credit where applicable. ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69431d6e00163ab3f4aff64e_freepik__a-minimal-enterprise-analyticsstyle-visual-inside-__12711.png) You earn revenue Every payment your customers make generates ongoing revenue for your platform, without diverting users away. ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69431e51ad2c7305e7b41fcc_freepik__a-clean-backendfocused-fintech-revenue-visualizati__12712.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69432350e0d7faf511a099b3_freepik__a-fullframe-highresolution-fintech-illustration-sh__12713.png) ## Why Embedded Payments Matter Today APIs Designed for Powerful Payment Experiences • 60% of renters want the ability to pay rent on credit or via flexible digital options.  • Embedded finance drives higher engagement, lower churn, and new revenue streams.  • Offering financial services is a proven way to increase DAUs, retention, and loyalty. [Become a Partner\\ \\ ![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)\\ \\ Become a Partner](https://www.neobanc.com/solutions-enterprise#partner-form) ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12219_icon.svg) Monitor payments in real-time ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1221a_icon.svg) Instant alerts for transaction ## Secure, Scalable Technology You Can Rely On ![Group of icons](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad124e5_Group%20of%20icons.webp) ![brand logo six](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1222d_brand%20logo%20six.svg)![brand logo one](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1221c_brand%20logo%20one.svg)![brand logo three](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1225b_brand%20logo%20three.svg)![brand logo four](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12232_brand%20logo%20four.svg)![brand logo two](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1221b_brand%20logo%20two.svg)![brand logo five](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1225c_brand%20logo%20five.svg)![Line two](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12256_Line%20two.webp)![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12237_Line%2010.svg)![Line three](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1225a_Line%20three.webp) ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad124d7_Icon.svg) Fully white-labeled APIs ![Card Management](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12551_Card%20Management.avif) Modular API suite Your Balance ### $35,700.40 80% Mon 53% Tue 68% Wed Reward points Real-time analytics ![Grid image box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12234_Grid%20image%20box.svg) Secure & Compliance ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12231_new%20icon%20(2).svg) Form # Integrate Neobanc into Your Platform Power rent, bill, and mortgage payments — complete with cashback and rewards — through our APIs or white-label solutions. Collaborate with Neobanc to enhance your product and unlock new revenue streams. First Name\* Last Name\* Company Name\* Email\* Phone Number\* 🇺🇸 - 🇦🇫 Afghanistan (‫افغانستان‬‎) +93 - 🇦🇱 Albania (Shqipëri) +355 - 🇩🇿 Algeria (‫الجزائر‬‎) +213 - 🇦🇸 American Samoa +1684 - 🇦🇩 Andorra +376 - 🇦🇴 Angola +244 - 🇦🇮 Anguilla +1264 - 🇦🇬 Antigua and Barbuda +1268 - 🇦🇷 Argentina +54 - 🇦🇲 Armenia (Հայաստան) +374 - 🇦🇼 Aruba +297 - 🇦🇺 Australia +61 - 🇦🇹 Austria (Österreich) +43 - 🇦🇿 Azerbaijan (Azərbaycan) +994 - 🇧🇸 Bahamas +1242 - 🇧🇭 Bahrain (‫البحرين‬‎) +973 - 🇧🇩 Bangladesh (বাংলাদেশ) +880 - 🇧🇧 Barbados +1246 - 🇧🇾 Belarus (Беларусь) +375 - 🇧🇪 Belgium (België) +32 - 🇧🇿 Belize +501 - 🇧🇯 Benin (Bénin) +229 - 🇧🇲 Bermuda +1441 - 🇧🇹 Bhutan (འབྲུག) +975 - 🇧🇴 Bolivia +591 - 🇧🇦 Bosnia and Herzegovina (Босна и Херцеговина) +387 - 🇧🇼 Botswana +267 - 🇧🇷 Brazil (Brasil) +55 - 🇮🇴 British Indian Ocean Territory +246 - 🇻🇬 British Virgin Islands +1284 - 🇧🇳 Brunei +673 - 🇧🇬 Bulgaria (България) +359 - 🇧🇫 Burkina Faso +226 - 🇧🇮 Burundi (Uburundi) +257 - 🇰🇭 Cambodia (កម្ពុជា) +855 - 🇨🇲 Cameroon (Cameroun) +237 - 🇨🇦 Canada +1 - 🇨🇻 Cape Verde (Kabu Verdi) +238 - 🇧🇶 Caribbean Netherlands +599 - 🇰🇾 Cayman Islands +1345 - 🇨🇫 Central African Republic (République centrafricaine) +236 - 🇹🇩 Chad (Tchad) +235 - 🇨🇱 Chile +56 - 🇨🇳 China (中国) +86 - 🇨🇴 Colombia +57 - 🇰🇲 Comoros (‫جزر القمر‬‎) +269 - 🇨🇩 Congo (DRC) (Jamhuri ya Kidemokrasia ya Kongo) +243 - 🇨🇬 Congo (Republic) (Congo-Brazzaville) +242 - 🇨🇰 Cook Islands +682 - 🇨🇷 Costa Rica +506 - 🇨🇮 Côte d’Ivoire +225 - 🇭🇷 Croatia (Hrvatska) +385 - 🇨🇺 Cuba +53 - 🇨🇼 Curaçao +599 - 🇨🇾 Cyprus (Κύπρος) +357 - 🇨🇿 Czech Republic (Česká republika) +420 - 🇩🇰 Denmark (Danmark) +45 - 🇩🇯 Djibouti +253 - 🇩🇲 Dominica +1767 - 🇩🇴 Dominican Republic (República Dominicana) +1 - 🇪🇨 Ecuador +593 - 🇪🇬 Egypt (‫مصر‬‎) +20 - 🇸🇻 El Salvador +503 - 🇬🇶 Equatorial Guinea (Guinea Ecuatorial) +240 - 🇪🇷 Eritrea +291 - 🇪🇪 Estonia (Eesti) +372 - 🇪🇹 Ethiopia +251 - 🇫🇰 Falkland Islands (Islas Malvinas) +500 - 🇫🇴 Faroe Islands (Føroyar) +298 - 🇫🇯 Fiji +679 - 🇫🇮 Finland (Suomi) +358 - 🇫🇷 France +33 - 🇬🇫 French Guiana (Guyane française) +594 - 🇵🇫 French Polynesia (Polynésie française) +689 - 🇬🇦 Gabon +241 - 🇬🇲 Gambia +220 - 🇬🇪 Georgia (საქართველო) +995 - 🇩🇪 Germany (Deutschland) +49 - 🇬🇭 Ghana (Gaana) +233 - 🇬🇮 Gibraltar +350 - 🇬🇷 Greece (Ελλάδα) +30 - 🇬🇱 Greenland (Kalaallit Nunaat) +299 - 🇬🇩 Grenada +1473 - 🇬🇵 Guadeloupe +590 - 🇬🇺 Guam +1671 - 🇬🇹 Guatemala +502 - 🇬🇳 Guinea (Guinée) +224 - 🇬🇼 Guinea-Bissau (Guiné Bissau) +245 - 🇬🇾 Guyana +592 - 🇭🇹 Haiti +509 - 🇭🇳 Honduras +504 - 🇭🇰 Hong Kong (香港) +852 - 🇭🇺 Hungary (Magyarország) +36 - 🇮🇸 Iceland (Ísland) +354 - 🇮🇳 India (भारत) +91 - 🇮🇩 Indonesia +62 - 🇮🇷 Iran (‫ایران‬‎) +98 - 🇮🇶 Iraq (‫العراق‬‎) +964 - 🇮🇪 Ireland +353 - 🇮🇱 Israel (‫ישראל‬‎) +972 - 🇮🇹 Italy (Italia) +39 - 🇯🇲 Jamaica +1876 - 🇯🇵 Japan (日本) +81 - 🇯🇴 Jordan (‫الأردن‬‎) +962 - 🇰🇿 Kazakhstan (Казахстан) +7 - 🇰🇪 Kenya +254 - 🇰🇮 Kiribati +686 - 🇽🇰 Kosovo +383 - 🇰🇼 Kuwait (‫الكويت‬‎) +965 - 🇰🇬 Kyrgyzstan (Кыргызстан) +996 - 🇱🇦 Laos (ລາວ) +856 - 🇱🇻 Latvia (Latvija) +371 - 🇱🇧 Lebanon (‫لبنان‬‎) +961 - 🇱🇸 Lesotho +266 - 🇱🇷 Liberia +231 - 🇱🇾 Libya (‫ليبيا‬‎) +218 - 🇱🇮 Liechtenstein +423 - 🇱🇹 Lithuania (Lietuva) +370 - 🇱🇺 Luxembourg +352 - 🇲🇴 Macau (澳門) +853 - 🇲🇰 Macedonia (FYROM) (Македонија) +389 - 🇲🇬 Madagascar (Madagasikara) +261 - 🇲🇼 Malawi +265 - 🇲🇾 Malaysia +60 - 🇲🇻 Maldives +960 - 🇲🇱 Mali +223 - 🇲🇹 Malta +356 - 🇲🇭 Marshall Islands +692 - 🇲🇶 Martinique +596 - 🇲🇷 Mauritania (‫موريتانيا‬‎) +222 - 🇲🇺 Mauritius (Moris) +230 - 🇲🇽 Mexico (México) +52 - 🇫🇲 Micronesia +691 - 🇲🇩 Moldova (Republica Moldova) +373 - 🇲🇨 Monaco +377 - 🇲🇳 Mongolia (Монгол) +976 - 🇲🇪 Montenegro (Crna Gora) +382 - 🇲🇸 Montserrat +1664 - 🇲🇦 Morocco (‫المغرب‬‎) +212 - 🇲🇿 Mozambique (Moçambique) +258 - 🇲🇲 Myanmar (Burma) (မြန်မာ) +95 - 🇳🇦 Namibia (Namibië) +264 - 🇳🇷 Nauru +674 - 🇳🇵 Nepal (नेपाल) +977 - 🇳🇱 Netherlands (Nederland) +31 - 🇳🇨 New Caledonia (Nouvelle-Calédonie) +687 - 🇳🇿 New Zealand +64 - 🇳🇮 Nicaragua +505 - 🇳🇪 Niger (Nijar) +227 - 🇳🇬 Nigeria +234 - 🇳🇺 Niue +683 - 🇳🇫 Norfolk Island +672 - 🇰🇵 North Korea (조선 민주주의 인민 공화국) +850 - 🇲🇵 Northern Mariana Islands +1670 - 🇳🇴 Norway (Norge) +47 - 🇴🇲 Oman (‫عُمان‬‎) +968 - 🇵🇰 Pakistan (‫پاکستان‬‎) +92 - 🇵🇼 Palau +680 - 🇵🇸 Palestine (‫فلسطين‬‎) +970 - 🇵🇦 Panama (Panamá) +507 - 🇵🇬 Papua New Guinea +675 - 🇵🇾 Paraguay +595 - 🇵🇪 Peru (Perú) +51 - 🇵🇭 Philippines +63 - 🇵🇱 Poland (Polska) +48 - 🇵🇹 Portugal +351 - 🇵🇷 Puerto Rico +1 - 🇶🇦 Qatar (‫قطر‬‎) +974 - 🇷🇪 Réunion (La Réunion) +262 - 🇷🇴 Romania (România) +40 - 🇷🇺 Russia (Россия) +7 - 🇷🇼 Rwanda +250 - 🇧🇱 Saint Barthélemy (Saint-Barthélemy) +590 - 🇸🇭 Saint Helena +290 - 🇰🇳 Saint Kitts and Nevis +1869 - 🇱🇨 Saint Lucia +1758 - 🇲🇫 Saint Martin (Saint-Martin (partie française)) +590 - 🇵🇲 Saint Pierre and Miquelon (Saint-Pierre-et-Miquelon) +508 - 🇻🇨 Saint Vincent and the Grenadines +1784 - 🇼🇸 Samoa +685 - 🇸🇲 San Marino +378 - 🇸🇹 São Tomé and Príncipe (São Tomé e Príncipe) +239 - 🇸🇦 Saudi Arabia (‫المملكة العربية السعودية‬‎) +966 - 🇸🇳 Senegal (Sénégal) +221 - 🇷🇸 Serbia (Србија) +381 - 🇸🇨 Seychelles +248 - 🇸🇱 Sierra Leone +232 - 🇸🇬 Singapore +65 - 🇸🇽 Sint Maarten +1721 - 🇸🇰 Slovakia (Slovensko) +421 - 🇸🇮 Slovenia (Slovenija) +386 - 🇸🇧 Solomon Islands +677 - 🇸🇴 Somalia (Soomaaliya) +252 - 🇿🇦 South Africa +27 - 🇰🇷 South Korea (대한민국) +82 - 🇸🇸 South Sudan (‫جنوب السودان‬‎) +211 - 🇪🇸 Spain (España) +34 - 🇱🇰 Sri Lanka (ශ්‍රී ලංකාව) +94 - 🇸🇩 Sudan (‫السودان‬‎) +249 - 🇸🇷 Suriname +597 - 🇸🇿 Swaziland +268 - 🇸🇪 Sweden (Sverige) +46 - 🇨🇭 Switzerland (Schweiz) +41 - 🇸🇾 Syria (‫سوريا‬‎) +963 - 🇹🇼 Taiwan (台灣) +886 - 🇹🇯 Tajikistan +992 - 🇹🇿 Tanzania +255 - 🇹🇭 Thailand (ไทย) +66 - 🇹🇱 Timor-Leste +670 - 🇹🇬 Togo +228 - 🇹🇰 Tokelau +690 - 🇹🇴 Tonga +676 - 🇹🇹 Trinidad and Tobago +1868 - 🇹🇳 Tunisia (‫تونس‬‎) +216 - 🇹🇷 Turkey (Türkiye) +90 - 🇹🇲 Turkmenistan +993 - 🇹🇨 Turks and Caicos Islands +1649 - 🇹🇻 Tuvalu +688 - 🇻🇮 U.S. Virgin Islands +1340 - 🇺🇬 Uganda +256 - 🇺🇦 Ukraine (Україна) +380 - 🇦🇪 United Arab Emirates (‫الإمارات العربية المتحدة‬‎) +971 - 🇬🇧 United Kingdom +44 - 🇺🇸 United States +1 - 🇺🇾 Uruguay +598 - 🇺🇿 Uzbekistan (Oʻzbekiston) +998 - 🇻🇺 Vanuatu +678 - 🇻🇦 Vatican City (Città del Vaticano) +39 - 🇻🇪 Venezuela +58 - 🇻🇳 Vietnam (Việt Nam) +84 - 🇼🇫 Wallis and Futuna +681 - 🇾🇪 Yemen (‫اليمن‬‎) +967 - 🇿🇲 Zambia +260 - 🇿🇼 Zimbabwe +263 1/2 Next Website URL Estimated User Base\* Industry\* Company size Primary Use Case\* 1/2 PreviousSubmit ## Everything you need to know about Neobanc Enterprise Who is Neobanc Enterprise best for? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/solutions-enterprise#) Will users stay within our platform? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/solutions-enterprise#) Is reporting and analytics available? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/solutions-enterprise#) Can we choose which features to integrate? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/solutions-enterprise#) Does Neobanc handle compliance and security? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/solutions-enterprise#) How long does integration take? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/solutions-enterprise#) Is the solution white-label? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/solutions-enterprise#) How do enterprise partners earn revenue? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/solutions-enterprise#) Do partners get dedicated support? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/solutions-enterprise#) What payment types can be supported? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/solutions-enterprise#) Are there any upfront costs? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/solutions-enterprise#) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad124be_footer%20gradient.webp) ## Grow your savings, start earning cashback today [Join Neobanc\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Join Neobanc](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fsolutions-enterprise) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344d7a8bd3b3f01e2ebaa1_Neobanc%20Logo%20Horizontal-3.svg)](https://www.neobanc.com/) Turn everyday expenses into monthly rewards. Neobanc makes it easy to pay rent, handle bills, manage your mortgage, and buy gift cards, all while earning cashback on the essentials of life. [![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b6_Icon.svg)](https://www.facebook.com/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b8_Icon.svg)](https://www.linkedin.com/company/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b7_Icon.svg)](https://www.instagram.com/neobanccom)[![YouTube]()](https://www.youtube.com/@neobanc) Quick links [Home](https://www.neobanc.com/) [About Us](https://www.neobanc.com/about-neobanc) [Cashback Calculator](https://www.neobanc.com/cashback-calculator) [WTFAQs](https://www.neobanc.com/neobanc-faq) [Articles](https://www.neobanc.com/articles) Features [Rent](https://www.neobanc.com/cashback-on-rent) [Bills](https://www.neobanc.com/cashback-on-bills) [Mortgages](https://www.neobanc.com/cashback-on-mortgages) [Giftcards](https://www.neobanc.com/cashback-on-gift-cards) Address 1050 King St W Toronto, ON M6K 0C7 Canada Contact [Call Us](tel:4165592902) [Email Us](mailto:team@neobanc.com?subject=Support%20from%20Neobanc) © 2025 Neobanc Inc. \|  MSB Licence Number: C100000880 Under Neobanc Inc.. [Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) [Complaints](https://www.neobanc.com/legal/complaints) Chat Widget ## Payments with Cashback Rewards [![Arrow ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b0_Button%20Arrow.svg)](https://www.neobanc.com/about-neobanc#nav) ![](https://cdn.prod.website-files.com/683e7f3735464317a4f8c750/684186f2c0c8b573701c5e25_Group%201009002270.png)![](https://cdn.prod.website-files.com/683e7f3735464317a4f8c750/684185e7cc327601705541da_Box%20(6).png)![](https://cdn.prod.website-files.com/683e7f3735464317a4f8c750/6841858505a7141fd8f0d6cd_Box%20(5).png)![](https://cdn.prod.website-files.com/683e7f3735464317a4f8c750/684184ddc226f1214cfa7336_Box%20(4).png)![](https://cdn.prod.website-files.com/683e7f3735464317a4f8c750/6841784e85a3712246bfd27a_Box%20(2).png) A modern platform that helps you manage everyday payments, earn rewards, and stay in control. # Built to Make Everyday Payments Work Better for You Our Story ## Neobanc was created with a simple belief: Paying your rent and bills shouldn’t feel like a burden — and you should be rewarded for it. For years, credit cards offered rewards on groceries, travel, and dining but never on the payments that matter most. Your rent, utilities, internet, insurance, tuition, and daily essentials make up most of your expenses — yet they give you nothing back. ‍ We decided it was time to change that. ‍ Neobanc uses smart payments technology to give Canadians cashback, savings, and more spending power — without forcing them to switch banks or alter how they pay. Today, thousands of users rely on Neobanc to keep more money in their pockets each month. [Get started now\\ \\ ![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)\\ \\ Get started now](https://www.neobanc.com/about-neobanc#) ## Neobanc helps you save money across your entire financial life: ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69371ba6fad697d2c0f2578a_Group%201597883849.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6934888dcc20b9751ff8df6d_neobanc-recent-transactions.png) Cashback on Rent ![Down Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad124a2_Down%20Arrow.svg) Earn rewards on your largest monthly expense. Cashback on Bills & Utilities ![Down Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad124a2_Down%20Arrow.svg) Internet, hydro, phone, insurance, and more. Easy Payments to Anyone ![Down Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad124a2_Down%20Arrow.svg) Pay landlords, property managers, or companies even if they don’t accept cards. ![Gradient color two](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1235d_Gradient%20color%20two.webp) ## Achieve your saving goals faster with Neobanc ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6934853da247903b72dcedef_neobanc-balance.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693487063d05524c394b64ca_neobanc-details.png) ![Get Cash]() Cashback Rewards Turn everyday payments into rewards. Earn cashback automatically on eligible rent, bills, and purchases — then use it when you need it most. ![Purchase Order]() Keep Track of Your Transactions One clear view of your payments and rewards, updated in real time. No spreadsheets, no guessing — just clarity. ![Card Exchange]() Multi Payment Options Flexible payment methods designed around you. Pay with Interac, credit card, Apple Pay, or Google Pay — seamlessly and securely. ## Meet the Team We’re renters too — and we’re building the tool we wished existed. ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6942d2f006ed19255edd785f_freepik__a-modern-highquality-headshot-of-a-fintech-founder__97791.png) / CEO & Co-founder Kyle Collier Systems Design Engineer (UWaterloo). Serial fintech entrepreneur with 15+ years of experience and multiple exits. Grew past startups to over 80 million users globally. Kyle has spoken at the United Nations on fintech innovation and raised successful rounds with minimal capital. [![Linkedin](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6942cf3596bd3678d10bdc84_e9406e7942eb003adf0f9c1d34081ba3_Linked%20In.svg)](https://www.linkedin.com/in/kylecollier/) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6942d1a64c79f995659615f3_freepik__a-modern-highquality-headshot-of-a-fintech-founder__97792.jpeg) / CTO & Co-founder Luis Parra Fintech Engineer & Compliance Maverick. Built and sold his first company in fintech compliance. Programmed LLMs for two billion-dollar YC giants and collaborated with the SEC on fraud investigations. Luis codes where innovation meets regulation—and wins. [![Linkedin](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6942cf3596bd3678d10bdc84_e9406e7942eb003adf0f9c1d34081ba3_Linked%20In.svg)](https://www.luisparra.xyz/) ## Neobanc helps you save money on your all expenses—no matter how big or small. ![Logo](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad124b9_Logo.webp) get rewarded for your expenses ### Keep track of your payments and cashback balance [Get started now\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Get started now](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fabout-neobanc) Earn more cashback by referring your friends. Earn more cashback with every referral you make! ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6942f9cf44dc7416b28e41a9_referralscard.png) Neobanc provides several convenient options to pay your rent, mortgage, and bills, making the process simple and worry-free. Choose from Interact E-transfer, credit cards, Apple Pay, or Google Pay — whatever works best for you! ![Card one](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad124e9_Card%20one.webp)![Card Two](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad124ea_Card%20Two.webp)![Verticle card three](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad124eb_Verticle%20card%20three.webp) New sign-ups weekly ![Count](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12352_Count.webp) ![Pointer Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12351_Pointer%20Icon.webp)![Graph](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12382_Graph.webp) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad124be_footer%20gradient.webp) ## Grow your savings, start earning cashback today [Join Neobanc\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Join Neobanc](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fabout-neobanc) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344d7a8bd3b3f01e2ebaa1_Neobanc%20Logo%20Horizontal-3.svg)](https://www.neobanc.com/) Turn everyday expenses into monthly rewards. Neobanc makes it easy to pay rent, handle bills, manage your mortgage, and buy gift cards, all while earning cashback on the essentials of life. [![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b6_Icon.svg)](https://www.facebook.com/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b8_Icon.svg)](https://www.linkedin.com/company/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b7_Icon.svg)](https://www.instagram.com/neobanccom)[![YouTube]()](https://www.youtube.com/@neobanc) Quick links [Home](https://www.neobanc.com/) [About Us](https://www.neobanc.com/about-neobanc) [Cashback Calculator](https://www.neobanc.com/cashback-calculator) [WTFAQs](https://www.neobanc.com/neobanc-faq) [Articles](https://www.neobanc.com/articles) Features [Rent](https://www.neobanc.com/cashback-on-rent) [Bills](https://www.neobanc.com/cashback-on-bills) [Mortgages](https://www.neobanc.com/cashback-on-mortgages) [Giftcards](https://www.neobanc.com/cashback-on-gift-cards) Address 1050 King St W Toronto, ON M6K 0C7 Canada Contact [Call Us](tel:4165592902) [Email Us](mailto:team@neobanc.com?subject=Support%20from%20Neobanc) © 2025 Neobanc Inc. \|  MSB Licence Number: C100000880 Under Neobanc Inc.. [Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) [Complaints](https://www.neobanc.com/legal/complaints) Chat Widget ## Realtor Partnership Opportunities [![Arrow ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b0_Button%20Arrow.svg)](https://www.neobanc.com/realtors#nav) ![UV Ray](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1243a_UV%20Ray.webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241b_Box%20(3).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12421_Box%20(5).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12421_Box%20(5).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241a_Box%20(2).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241a_Box%20(2).webp)![radiel image](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122fa_radiel%20image.webp) # Unlock a new source of revenue while helping your clients save and succeed. Neobanc gives real estate professionals a simple way to offer tenants flexible, modern rent payments — and earn passive income for every referral, with no contracts, no fees, and no technical setup. [Become a Partner\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Become a Partner](https://www.neobanc.com/realtors#partner-form) ![iPhone 15 Pro](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1235c_iPhone%2015%20Pro.webp)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6938b843f66d6b3f3514af79_test.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6938eb33a948c826c7f410bf_payment.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6938f01541b082b8145d89cf_finalscreen.png) ![Hand Image](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232b_Hand%20Image.webp)![Purple Ball ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241d_Purple%20Ball.webp)![Purple Ball ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241d_Purple%20Ball.webp) Refer Your Clients Share your unique Neobanc referral link with tenants or landlords. There are no lease changes, no paperwork, and no disruption. Refer Clients ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122eb_Vector%20(45).svg) Clients Pay Rent with Neobanc Your clients pay rent using credit card or Interac e-Transfer. Neobanc handles the payment and ensures rent is delivered on time, every month. Rent Paid ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122ec_Icon.svg) You Earn Passive Income Earn a percentage of rent payments for as long as your clients continue to use Neobanc — turning one referral into recurring income. Earn Revenue ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122ed_Vector%20(47).svg) Unlock Passive Income Unlock Passive Income Unlock Passive Income Unlock Passive Income Unlock Passive Income Unlock Passive Income Unlock Passive Income Unlock Passive Income Unlock Passive Income ## Unlock a new source of revenue while helping your clients save and succeed. ![Shield](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1237d_Shield.svg) Activate your partner account Sign up and get your unique referral link — setup takes less than 5 minutes. ![Doller Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12380_Doller%20Icon.svg) Share your link with tenants Send tenants your referral link — no contracts, no legal changes, no disruption. ![layers](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1237f_layers.svg) Tenants pay with Neobanc Tenants pay rent via credit card or Interac e-Transfer through the Neobanc platform. ![Shield](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1237d_Shield.svg) You earn revenue You receive 0.5% of their rent — paid monthly as tenants continue to use Neobanc. ### Why Realtors Love Neobanc ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232e_check.svg) No contract changes required Tenants can pay rent using credit cards or Interac e-transfer without changing existing leases or agreements. ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232e_check.svg) Earn ongoing revenue Receive 0.5% of your tenants' monthly payment when they pay through Neobanc — creating long-term passive income after closing. ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232e_check.svg) Simple — no tech setup Just activate your partner account and share a referral link with tenants. That’s it. ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232e_check.svg) Free for Realtors Joining and referring tenants is completely free — you only earn when tenants sign up and pay rent with Neobanc. ![Phone image](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1253d_Phone%20image.webp) ![Shape](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12397_Shape.svg) [Become a Partner\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Become a Partner](https://www.neobanc.com/realtors#partner-form) ![Bg shape](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123c0_Bg%20shape.webp) ## Why Tenants Love It When you recommend Neobanc, tenants get benefits they actually care about: Cashback on rent payments Rent is usually a sunk cost. With Neobanc, tenants earn cashback just for paying rent on time — turning their biggest monthly expense into something that actually gives back. Pay with credit card or Interac Tenants can choose how they pay — by credit card or Interac e-Transfer — giving them flexibility when they need it, without changing their lease or landlord. Build better payment habits With reminders, real-time tracking, and optional rent reporting, tenants can stay on top of rent and turn on-time payments into long-term financial benefits. ![Card Image](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123c1_Card%20Image.webp) Form # Become a Neobanc Real Estate Partner Bring cashback, rent reporting, and payment perks to your renters and clients, and earn passive monthly income. First Name\* Last Name\* Company Name\* Email\* Phone Number\* 🇺🇸 - 🇦🇫 Afghanistan (‫افغانستان‬‎) +93 - 🇦🇱 Albania (Shqipëri) +355 - 🇩🇿 Algeria (‫الجزائر‬‎) +213 - 🇦🇸 American Samoa +1684 - 🇦🇩 Andorra +376 - 🇦🇴 Angola +244 - 🇦🇮 Anguilla +1264 - 🇦🇬 Antigua and Barbuda +1268 - 🇦🇷 Argentina +54 - 🇦🇲 Armenia (Հայաստան) +374 - 🇦🇼 Aruba +297 - 🇦🇺 Australia +61 - 🇦🇹 Austria (Österreich) +43 - 🇦🇿 Azerbaijan (Azərbaycan) +994 - 🇧🇸 Bahamas +1242 - 🇧🇭 Bahrain (‫البحرين‬‎) +973 - 🇧🇩 Bangladesh (বাংলাদেশ) +880 - 🇧🇧 Barbados +1246 - 🇧🇾 Belarus (Беларусь) +375 - 🇧🇪 Belgium (België) +32 - 🇧🇿 Belize +501 - 🇧🇯 Benin (Bénin) +229 - 🇧🇲 Bermuda +1441 - 🇧🇹 Bhutan (འབྲུག) +975 - 🇧🇴 Bolivia +591 - 🇧🇦 Bosnia and Herzegovina (Босна и Херцеговина) +387 - 🇧🇼 Botswana +267 - 🇧🇷 Brazil (Brasil) +55 - 🇮🇴 British Indian Ocean Territory +246 - 🇻🇬 British Virgin Islands +1284 - 🇧🇳 Brunei +673 - 🇧🇬 Bulgaria (България) +359 - 🇧🇫 Burkina Faso +226 - 🇧🇮 Burundi (Uburundi) +257 - 🇰🇭 Cambodia (កម្ពុជា) +855 - 🇨🇲 Cameroon (Cameroun) +237 - 🇨🇦 Canada +1 - 🇨🇻 Cape Verde (Kabu Verdi) +238 - 🇧🇶 Caribbean Netherlands +599 - 🇰🇾 Cayman Islands +1345 - 🇨🇫 Central African Republic (République centrafricaine) +236 - 🇹🇩 Chad (Tchad) +235 - 🇨🇱 Chile +56 - 🇨🇳 China (中国) +86 - 🇨🇴 Colombia +57 - 🇰🇲 Comoros (‫جزر القمر‬‎) +269 - 🇨🇩 Congo (DRC) (Jamhuri ya Kidemokrasia ya Kongo) +243 - 🇨🇬 Congo (Republic) (Congo-Brazzaville) +242 - 🇨🇰 Cook Islands +682 - 🇨🇷 Costa Rica +506 - 🇨🇮 Côte d’Ivoire +225 - 🇭🇷 Croatia (Hrvatska) +385 - 🇨🇺 Cuba +53 - 🇨🇼 Curaçao +599 - 🇨🇾 Cyprus (Κύπρος) +357 - 🇨🇿 Czech Republic (Česká republika) +420 - 🇩🇰 Denmark (Danmark) +45 - 🇩🇯 Djibouti +253 - 🇩🇲 Dominica +1767 - 🇩🇴 Dominican Republic (República Dominicana) +1 - 🇪🇨 Ecuador +593 - 🇪🇬 Egypt (‫مصر‬‎) +20 - 🇸🇻 El Salvador +503 - 🇬🇶 Equatorial Guinea (Guinea Ecuatorial) +240 - 🇪🇷 Eritrea +291 - 🇪🇪 Estonia (Eesti) +372 - 🇪🇹 Ethiopia +251 - 🇫🇰 Falkland Islands (Islas Malvinas) +500 - 🇫🇴 Faroe Islands (Føroyar) +298 - 🇫🇯 Fiji +679 - 🇫🇮 Finland (Suomi) +358 - 🇫🇷 France +33 - 🇬🇫 French Guiana (Guyane française) +594 - 🇵🇫 French Polynesia (Polynésie française) +689 - 🇬🇦 Gabon +241 - 🇬🇲 Gambia +220 - 🇬🇪 Georgia (საქართველო) +995 - 🇩🇪 Germany (Deutschland) +49 - 🇬🇭 Ghana (Gaana) +233 - 🇬🇮 Gibraltar +350 - 🇬🇷 Greece (Ελλάδα) +30 - 🇬🇱 Greenland (Kalaallit Nunaat) +299 - 🇬🇩 Grenada +1473 - 🇬🇵 Guadeloupe +590 - 🇬🇺 Guam +1671 - 🇬🇹 Guatemala +502 - 🇬🇳 Guinea (Guinée) +224 - 🇬🇼 Guinea-Bissau (Guiné Bissau) +245 - 🇬🇾 Guyana +592 - 🇭🇹 Haiti +509 - 🇭🇳 Honduras +504 - 🇭🇰 Hong Kong (香港) +852 - 🇭🇺 Hungary (Magyarország) +36 - 🇮🇸 Iceland (Ísland) +354 - 🇮🇳 India (भारत) +91 - 🇮🇩 Indonesia +62 - 🇮🇷 Iran (‫ایران‬‎) +98 - 🇮🇶 Iraq (‫العراق‬‎) +964 - 🇮🇪 Ireland +353 - 🇮🇱 Israel (‫ישראל‬‎) +972 - 🇮🇹 Italy (Italia) +39 - 🇯🇲 Jamaica +1876 - 🇯🇵 Japan (日本) +81 - 🇯🇴 Jordan (‫الأردن‬‎) +962 - 🇰🇿 Kazakhstan (Казахстан) +7 - 🇰🇪 Kenya +254 - 🇰🇮 Kiribati +686 - 🇽🇰 Kosovo +383 - 🇰🇼 Kuwait (‫الكويت‬‎) +965 - 🇰🇬 Kyrgyzstan (Кыргызстан) +996 - 🇱🇦 Laos (ລາວ) +856 - 🇱🇻 Latvia (Latvija) +371 - 🇱🇧 Lebanon (‫لبنان‬‎) +961 - 🇱🇸 Lesotho +266 - 🇱🇷 Liberia +231 - 🇱🇾 Libya (‫ليبيا‬‎) +218 - 🇱🇮 Liechtenstein +423 - 🇱🇹 Lithuania (Lietuva) +370 - 🇱🇺 Luxembourg +352 - 🇲🇴 Macau (澳門) +853 - 🇲🇰 Macedonia (FYROM) (Македонија) +389 - 🇲🇬 Madagascar (Madagasikara) +261 - 🇲🇼 Malawi +265 - 🇲🇾 Malaysia +60 - 🇲🇻 Maldives +960 - 🇲🇱 Mali +223 - 🇲🇹 Malta +356 - 🇲🇭 Marshall Islands +692 - 🇲🇶 Martinique +596 - 🇲🇷 Mauritania (‫موريتانيا‬‎) +222 - 🇲🇺 Mauritius (Moris) +230 - 🇲🇽 Mexico (México) +52 - 🇫🇲 Micronesia +691 - 🇲🇩 Moldova (Republica Moldova) +373 - 🇲🇨 Monaco +377 - 🇲🇳 Mongolia (Монгол) +976 - 🇲🇪 Montenegro (Crna Gora) +382 - 🇲🇸 Montserrat +1664 - 🇲🇦 Morocco (‫المغرب‬‎) +212 - 🇲🇿 Mozambique (Moçambique) +258 - 🇲🇲 Myanmar (Burma) (မြန်မာ) +95 - 🇳🇦 Namibia (Namibië) +264 - 🇳🇷 Nauru +674 - 🇳🇵 Nepal (नेपाल) +977 - 🇳🇱 Netherlands (Nederland) +31 - 🇳🇨 New Caledonia (Nouvelle-Calédonie) +687 - 🇳🇿 New Zealand +64 - 🇳🇮 Nicaragua +505 - 🇳🇪 Niger (Nijar) +227 - 🇳🇬 Nigeria +234 - 🇳🇺 Niue +683 - 🇳🇫 Norfolk Island +672 - 🇰🇵 North Korea (조선 민주주의 인민 공화국) +850 - 🇲🇵 Northern Mariana Islands +1670 - 🇳🇴 Norway (Norge) +47 - 🇴🇲 Oman (‫عُمان‬‎) +968 - 🇵🇰 Pakistan (‫پاکستان‬‎) +92 - 🇵🇼 Palau +680 - 🇵🇸 Palestine (‫فلسطين‬‎) +970 - 🇵🇦 Panama (Panamá) +507 - 🇵🇬 Papua New Guinea +675 - 🇵🇾 Paraguay +595 - 🇵🇪 Peru (Perú) +51 - 🇵🇭 Philippines +63 - 🇵🇱 Poland (Polska) +48 - 🇵🇹 Portugal +351 - 🇵🇷 Puerto Rico +1 - 🇶🇦 Qatar (‫قطر‬‎) +974 - 🇷🇪 Réunion (La Réunion) +262 - 🇷🇴 Romania (România) +40 - 🇷🇺 Russia (Россия) +7 - 🇷🇼 Rwanda +250 - 🇧🇱 Saint Barthélemy (Saint-Barthélemy) +590 - 🇸🇭 Saint Helena +290 - 🇰🇳 Saint Kitts and Nevis +1869 - 🇱🇨 Saint Lucia +1758 - 🇲🇫 Saint Martin (Saint-Martin (partie française)) +590 - 🇵🇲 Saint Pierre and Miquelon (Saint-Pierre-et-Miquelon) +508 - 🇻🇨 Saint Vincent and the Grenadines +1784 - 🇼🇸 Samoa +685 - 🇸🇲 San Marino +378 - 🇸🇹 São Tomé and Príncipe (São Tomé e Príncipe) +239 - 🇸🇦 Saudi Arabia (‫المملكة العربية السعودية‬‎) +966 - 🇸🇳 Senegal (Sénégal) +221 - 🇷🇸 Serbia (Србија) +381 - 🇸🇨 Seychelles +248 - 🇸🇱 Sierra Leone +232 - 🇸🇬 Singapore +65 - 🇸🇽 Sint Maarten +1721 - 🇸🇰 Slovakia (Slovensko) +421 - 🇸🇮 Slovenia (Slovenija) +386 - 🇸🇧 Solomon Islands +677 - 🇸🇴 Somalia (Soomaaliya) +252 - 🇿🇦 South Africa +27 - 🇰🇷 South Korea (대한민국) +82 - 🇸🇸 South Sudan (‫جنوب السودان‬‎) +211 - 🇪🇸 Spain (España) +34 - 🇱🇰 Sri Lanka (ශ්‍රී ලංකාව) +94 - 🇸🇩 Sudan (‫السودان‬‎) +249 - 🇸🇷 Suriname +597 - 🇸🇿 Swaziland +268 - 🇸🇪 Sweden (Sverige) +46 - 🇨🇭 Switzerland (Schweiz) +41 - 🇸🇾 Syria (‫سوريا‬‎) +963 - 🇹🇼 Taiwan (台灣) +886 - 🇹🇯 Tajikistan +992 - 🇹🇿 Tanzania +255 - 🇹🇭 Thailand (ไทย) +66 - 🇹🇱 Timor-Leste +670 - 🇹🇬 Togo +228 - 🇹🇰 Tokelau +690 - 🇹🇴 Tonga +676 - 🇹🇹 Trinidad and Tobago +1868 - 🇹🇳 Tunisia (‫تونس‬‎) +216 - 🇹🇷 Turkey (Türkiye) +90 - 🇹🇲 Turkmenistan +993 - 🇹🇨 Turks and Caicos Islands +1649 - 🇹🇻 Tuvalu +688 - 🇻🇮 U.S. Virgin Islands +1340 - 🇺🇬 Uganda +256 - 🇺🇦 Ukraine (Україна) +380 - 🇦🇪 United Arab Emirates (‫الإمارات العربية المتحدة‬‎) +971 - 🇬🇧 United Kingdom +44 - 🇺🇸 United States +1 - 🇺🇾 Uruguay +598 - 🇺🇿 Uzbekistan (Oʻzbekiston) +998 - 🇻🇺 Vanuatu +678 - 🇻🇦 Vatican City (Città del Vaticano) +39 - 🇻🇪 Venezuela +58 - 🇻🇳 Vietnam (Việt Nam) +84 - 🇼🇫 Wallis and Futuna +681 - 🇾🇪 Yemen (‫اليمن‬‎) +967 - 🇿🇲 Zambia +260 - 🇿🇼 Zimbabwe +263 Tell us a bit about your business\* Submit ## Your Realtor Partnership questions, answered Why should an agent offer Neobanc to tenants? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/realtors#) Does this help me close more leases? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/realtors#) Why do tenants like using Neobanc? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/realtors#) Does the landlord need to do anything? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/realtors#) How do I track my referrals and earnings? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/realtors#) Can this help with tenant qualification? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/realtors#) How do realtors earn money with Neobanc? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/realtors#) Is Neobanc good for newcomers? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/realtors#) Is there a cost to join the Realtor Partnership? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/realtors#) Do tenants need to change their lease agreement? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/realtors#) How do I earn money as a realtor? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/realtors#) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad124be_footer%20gradient.webp) ## Grow your savings, start earning cashback today [Join Neobanc\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Join Neobanc](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Frealtors) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344d7a8bd3b3f01e2ebaa1_Neobanc%20Logo%20Horizontal-3.svg)](https://www.neobanc.com/) Turn everyday expenses into monthly rewards. Neobanc makes it easy to pay rent, handle bills, manage your mortgage, and buy gift cards, all while earning cashback on the essentials of life. [![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b6_Icon.svg)](https://www.facebook.com/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b8_Icon.svg)](https://www.linkedin.com/company/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b7_Icon.svg)](https://www.instagram.com/neobanccom)[![YouTube]()](https://www.youtube.com/@neobanc) Quick links [Home](https://www.neobanc.com/) [About Us](https://www.neobanc.com/about-neobanc) [Cashback Calculator](https://www.neobanc.com/cashback-calculator) [WTFAQs](https://www.neobanc.com/neobanc-faq) [Articles](https://www.neobanc.com/articles) Features [Rent](https://www.neobanc.com/cashback-on-rent) [Bills](https://www.neobanc.com/cashback-on-bills) [Mortgages](https://www.neobanc.com/cashback-on-mortgages) [Giftcards](https://www.neobanc.com/cashback-on-gift-cards) Address 1050 King St W Toronto, ON M6K 0C7 Canada Contact [Call Us](tel:4165592902) [Email Us](mailto:team@neobanc.com?subject=Support%20from%20Neobanc) © 2025 Neobanc Inc. \|  MSB Licence Number: C100000880 Under Neobanc Inc.. [Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) [Complaints](https://www.neobanc.com/legal/complaints) Chat Widget ## Neobanc FAQ [![Arrow ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b0_Button%20Arrow.svg)](https://www.neobanc.com/neobanc-faq#nav) ![UV Ray](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1243a_UV%20Ray.webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241e_Box%20(4).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241b_Box%20(3).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12421_Box%20(5).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241b_Box%20(3).webp) Frequently Asked Questions # Everything you need to know about paying, earning cashback, and partnering with Neobanc — all in one place. Whether you’re paying rent, managing bills, earning cashback, or exploring partnerships, these answers are here to help you get started with confidence. [Explore more\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Explore more](https://www.neobanc.com/neobanc-faq#) ![faq]() ![query]() ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344e85f7346a55a2a4cbf0_dbb381438686eaa953df9a3e49ce60f7_Neobanc%20Logo%20Horizontal.svg) ![Interactive Q&A - user interaction - FAQ]() ## Your payments. Without the trust issues. ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69421a165a55db2350b732ff_freepik__a-modern-fintech-support-illustration-showing-abst__9054.jpeg) Live support Support Team + CS lead who actually answers DMs. ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69421a3987e9b49a83bd8621_freepik__a-premium-fintech-illustration-of-a-translucent-sh__9055.png) $2M insurance Liability insurance by Zeninsurance. ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69421a9368e4484471fde777_freepik__a-clean-fintech-illustration-showing-a-circular-pr__9057.jpeg) 100% on-time Rent, bills, and mortgage payments are made on time, every time. # Answers you can trust — straight from our founder Kyle, CEO & co-founder of Neobanc, answers the most common questions about how Neobanc works, how we keep payments secure, and how we help you earn more from everyday spending. [Play\\ \\ ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1228f_icon.svg)\\ \\ Video\\ \\ ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694204a5c416c00cb0974563_freepik__a-modern-relaxed-fintech-leadership-portrait-of-a-__77682.jpeg)](https://www.neobanc.com/neobanc-faq#) ## We’re here to answer all your questions [About Neobanc\\ \\ ![Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12339_Vector%201090.svg)](https://www.neobanc.com/neobanc-faq#w-tabs-0-data-w-pane-0) [Payments and transactions\\ \\ ![Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12339_Vector%201090.svg)](https://www.neobanc.com/neobanc-faq#w-tabs-0-data-w-pane-1) [Pricing\\ \\ ![Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12339_Vector%201090.svg)](https://www.neobanc.com/neobanc-faq#w-tabs-0-data-w-pane-2) [Products\\ \\ ![Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12339_Vector%201090.svg)](https://www.neobanc.com/neobanc-faq#w-tabs-0-data-w-pane-3) [Regulatory\\ \\ ![Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12339_Vector%201090.svg)](https://www.neobanc.com/neobanc-faq#w-tabs-0-data-w-pane-4) [Technical\\ \\ ![Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12339_Vector%201090.svg)](https://www.neobanc.com/neobanc-faq#w-tabs-0-data-w-pane-5) Who is behind Neobanc? Neobanc was founded by Kyle Collier (CEO) and Luis Parra (Cofounder, CTO). • **Kyle Collier** is a uWaterloo engineer with 15 years of experience scaling companies from idea to $55M+ in sales and has had multiple fintech exits while raising only $2.5M. • **Luis Parra** built and sold a fintech compliance company, has programmed LLMs for two $1B+ Y Combinator startups, and worked with the SEC on fraud investigations. • **Josh Sookman** (Growth & Retention Advisor) previously led Ritual.co’s growth from 1K to 1M+ users and has 15+ years of experience in scaling tech businesses. The team has a combined 45+ years of experience, 5 successful exits, and has grown B2C payment apps to millions of users. Why was Neobanc created? Neobanc exists to accelerate everyones path to ownership starting with cashback on rent & bills, which supercharge savings for bigger down payments faster. We combine this with free rent reporting to expedite credit score growth for lower interest rates on borrowing (and mortgages). The vision was inspired by the CEO’s personal experiences with bankruptcy, housing challenges, driving our mission to make renting more rewarding. Who is backing Neobanc? Neobanc has received funding and support from renowned investors and institutions, including: • **EWOR Accelerator Program** – One of Europe’s top startup accelerators with a 0.1% acceptance rate backed by unicorn founders. • **NAR (National Association of Realtors) REACH Program** – The world's top Proptech accelerator, backing high-impact founders. • **Lorenz Ventures**– A leading venture firm investing in proptech and fintech startups. • **Pareto20 Ventures**– A leading venture firm with over 500 in high-growth startups. • **SuperAngels** – Europe’s top angel investing network • **Felix Jahn** – Top 50 Proptech investor who sold Europe’s largest Real Estate Marketplace. • **Paul Muller** (CEO of Adjust, NYSE: APP) company valued at $1B+ • **Petter Made** (CEO of SumUp) company valued at $8B+ • **Florian Huber** (Real Estate Marketplace CEO) – Investing in rental fintech innovation. • **Stefan Glanzer** (Angel Investor) – 200+ startup investments, including Monzo bank. • **Ben Cambier** (Angel Investor) – Early-stage fintech Neobanc is strategically positioned with strong backing and a proven roadmap for scaling in North America. Where is my money stored? All funds are stored in CDIC-insured bank accounts and are never invested, ensuring the safety of your money. When will rent-day microloans be available? **It’s now live!** Need a backup plan before rent hits? You can now apply for a short-term loan through our partner — designed to help you plan ahead, not panic last minute. Processing can take up to 7 days, so apply early. What happens to my cashback if I move? Your accumulated cashback can be applied to your new rental contract, ensuring you continue to benefit from your rewards. What is Neobanc? Neobanc is a platform that allows renters to pay their rent, bills and mortgages through us and earn cashback rewards. You pay us, we pay your landlord, biller or bank on the due date, and you benefit from cashback on each payment. When does rent reporting to credit bureaus start? You can opt in and have your rent payments show up on your credit report 30-45 days after your rent is paid. What happens if my rent payment is late? We recommend you pay with Neobanc 3 business days before your payment due dates. Timely payments ensure on-time payments to your landlord. If you don’t pay on time, it's your responsibility to pay your landlord directly to avoid late fees or penalties. What happens if I forget to fund my Neobanc wallet on time? If you forget to fund your Neobanc wallet at least three days before your rent is due, we will transfer the funds to the landlord 3 days after your account is funded. This may come at ths cost of your cashback if we need to process the rent before 3 busienss days. What happens if I change my bank account? You can fund your Neobanc wallet from any bank account, provided the account holder's name matches the name on your Neobanc account. How soon do I get my cashback? Your cashback is credited to your Neobanc account once your rent payment is processed. Depending on your cashback tier: 1% cashback applied toward your next rent payment 5% cashback applied to your next rent payment—next year. This applies to payments made via Interac e-Transfer and credit card. Is Neobanc safe to use? Yes. Neobanc is compliant under PCI-DSS, is a regulated MSB with Fintrac and uses bank-level encryption for all services. Is Neobanc available in my area? Currently, Neobanc operates in Canada. We plan to expand to the U.S. soon. How does Neobanc work? When you pay with Interac e-Transfer (free) or credit card (1.75% to 2.5% transaction fee) at least three days before your rent is due, on the due date, we transfer the funds to your landlord (via e-transfer), and you earn cashback on every rent payment. How does Neobanc make money? Neobanc operates on a win-win model where renters earn rewards, landlords receive timely payments, and we generate revenue—without charging users fees. Here’s how: • **5% Cashback?** It’s (presently) a limited-time promotion paid from our marketing budget. Also, since we keep all the “would-be cashback” for the first year, this reduces our payback period and increases our retention per user. • **Proprietary payment technology** – Our high-volume payment processing tech optimizes transaction flow, allowing us to negotiate unique margins with financial partners, processors and payment networks. • **Affiliate revenue** – rent payments are normally account-to-account (ACA) payments (i.e. ACH, wire, e-transfer, cheque), so card payment networks typically don’t get a piece of the pie. So when we move what usually would be an ACA payment to them, they pay us a portion of what they earn. These approaches, combined, make our model sustainable and profitable while ensuring renters are rewarded without fees or gimmicks. Industry veterans build Neobanc: • **Kyle Collier** (CEO) has scaled multiple fintech startups with successful exits. • **Luis Parra** (Cofounder, CTO) brings deep expertise in fintech compliance and payment infrastructure, having worked with the SEC and leading AI-driven financial systems. With the right technology, partnerships, and expertise, we’ve created a system where renters win, landlords stay happy, and Neobanc thrives—without charging users a dime. ### ‍ How do I earn cashback on my rent? Neobanc offers 1% cashback applied toward your next rent payment. Alternatively, if you choose the 12 months plan, you can earn 5% cashback, paid out monthly over the year. This 5% option is a limited-time promotional incentive available to a limited number of customers and may be modified or discontinued at any time. If you choose to pay by credit card, you may also earn additional rewards (such as cashback, points, or miles) based on your card’s existing rewards program. Neobanc enables you to stack your card’s rewards on top of ours, meaning you could earn up to 9% total cashback, depending on your card’s terms. Credit card rewards vary by issuer and are not guaranteed by Neobanc. Does using Neobanc cost anything? Neobanc is free for renters when making payments with Interac e-Transfer. If you choose to pay using a credit card, a 1.75% to 2.5% transaction fee applies. How can I contact Neobanc? ### For inquiries and support, reach out to us: Ai Chatbot + Human: Who can answer 90% of questions Email: [team@neobanc.com\\ \\ ‍](mailto:team@neobanc.com) Call or Text (Canada): 1-647-559-2909Call or Text (International Toll-Free): 1-877-260-3846 Does Neobanc work with all banks? Neobanc supports payments from banks that offer Interac e-Transfer services and now accepts credit card payments from Visa, Mastercard and American Express. Does Neobanc support roommate or shared rent payments? Yes, you can make multiple payments throughout the month or split the costs with roommates. Do I need a minimum income to use Neobanc? No. Neobanc is available to all renters, regardless of income level. Can I use Neobanc if I’m renting from an individual landlord? Yes! Neobanc works whether you’re renting from a large property management company or an individual landlord, as long as they accept e-Transfers. Are there any hidden fees? Neobanc operates transparently with no hidden fees. While funding your wallet via Interac e-Transfer is free, a 1.75% to 2.5% transaction fee applies when using a credit card. Can I pay part of my rent through Neobanc? Yes, but you are responsible for paying the remainder to your landlord. Do I have to enable credit reporting manually? **Yep—100% opt-in.** We’ll never share your rent data with credit bureaus unless you say yes. Do I need my landlord’s approval to use Neobanc? No. As long as your landlord accepts e-Transfers, you can use Neobanc without their direct involvement. The name on the payment is ours rather then yours, but the landlord receives the 100% of your payment. When will rent-day microloans be available? **It’s now live!** Need a backup plan before rent hits? You can now apply for a short-term loan through our partner — designed to help you plan ahead, not panic last minute. Processing can take up to 7 days, so apply early. When does rent reporting to credit bureaus start? You can opt in and have your rent payments show up on your credit report 30-45 days after your rent is paid. What happens if my rent payment is late? We recommend you pay with Neobanc 3 business days before your payment due dates. Timely payments ensure on-time payments to your landlord. If you don’t pay on time, it's your responsibility to pay your landlord directly to avoid late fees or penalties. What happens if I forget to fund my Neobanc wallet on time? If you forget to fund your Neobanc wallet at least three days before your rent is due, we will transfer the funds to the landlord 3 days after your account is funded. This may come at ths cost of your cashback if we need to process the rent before 3 busienss days. What happens if I change my bank account? You can fund your Neobanc wallet from any bank account, provided the account holder's name matches the name on your Neobanc account. How soon do I get my cashback? Your cashback is credited to your Neobanc account once your rent payment is processed. Depending on your cashback tier: 1% cashback applied toward your next rent payment 5% cashback applied to your next rent payment—next year. This applies to payments made via Interac e-Transfer and credit card. Does Neobanc support roommate or shared rent payments? Yes, you can make multiple payments throughout the month or split the costs with roommates. Can I pay part of my rent through Neobanc? Yes, but you are responsible for paying the remainder to your landlord. Do I have to enable credit reporting manually? **Yep—100% opt-in.** We’ll never share your rent data with credit bureaus unless you say yes. Does using Neobanc cost anything? Neobanc is free for renters when making payments with Interac e-Transfer. If you choose to pay using a credit card, a 1.75% to 2.5% transaction fee applies. Are there any hidden fees? Neobanc operates transparently with no hidden fees. While funding your wallet via Interac e-Transfer is free, a 1.75% to 2.5% transaction fee applies when using a credit card. What happens to my cashback if I move? Your accumulated cashback can be applied to your new rental contract, ensuring you continue to benefit from your rewards. How does Neobanc work? When you pay with Interac e-Transfer (free) or credit card (1.75% to 2.5% transaction fee) at least three days before your rent is due, on the due date, we transfer the funds to your landlord (via e-transfer), and you earn cashback on every rent payment. How do I earn cashback on my rent? Neobanc offers 1% cashback applied toward your next rent payment. Alternatively, if you choose the 12 months plan, you can earn 5% cashback, paid out monthly over the year. This 5% option is a limited-time promotional incentive available to a limited number of customers and may be modified or discontinued at any time. If you choose to pay by credit card, you may also earn additional rewards (such as cashback, points, or miles) based on your card’s existing rewards program. Neobanc enables you to stack your card’s rewards on top of ours, meaning you could earn up to 9% total cashback, depending on your card’s terms. Credit card rewards vary by issuer and are not guaranteed by Neobanc. Where is my money stored? All funds are stored in CDIC-insured bank accounts and are never invested, ensuring the safety of your money. Is Neobanc safe to use? Yes. Neobanc is compliant under PCI-DSS, is a regulated MSB with Fintrac and uses bank-level encryption for all services. Does Neobanc work with all banks? Neobanc supports payments from banks that offer Interac e-Transfer services and now accepts credit card payments from Visa, Mastercard and American Express. ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad124be_footer%20gradient.webp) ## Grow your savings, start earning cashback today [Join Neobanc\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Join Neobanc](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-faq) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344d7a8bd3b3f01e2ebaa1_Neobanc%20Logo%20Horizontal-3.svg)](https://www.neobanc.com/) Turn everyday expenses into monthly rewards. Neobanc makes it easy to pay rent, handle bills, manage your mortgage, and buy gift cards, all while earning cashback on the essentials of life. [![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b6_Icon.svg)](https://www.facebook.com/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b8_Icon.svg)](https://www.linkedin.com/company/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b7_Icon.svg)](https://www.instagram.com/neobanccom)[![YouTube]()](https://www.youtube.com/@neobanc) Quick links [Home](https://www.neobanc.com/) [About Us](https://www.neobanc.com/about-neobanc) [Cashback Calculator](https://www.neobanc.com/cashback-calculator) [WTFAQs](https://www.neobanc.com/neobanc-faq) [Articles](https://www.neobanc.com/articles) Features [Rent](https://www.neobanc.com/cashback-on-rent) [Bills](https://www.neobanc.com/cashback-on-bills) [Mortgages](https://www.neobanc.com/cashback-on-mortgages) [Giftcards](https://www.neobanc.com/cashback-on-gift-cards) Address 1050 King St W Toronto, ON M6K 0C7 Canada Contact [Call Us](tel:4165592902) [Email Us](mailto:team@neobanc.com?subject=Support%20from%20Neobanc) © 2025 Neobanc Inc. \|  MSB Licence Number: C100000880 Under Neobanc Inc.. [Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) [Complaints](https://www.neobanc.com/legal/complaints) Chat Widget ## Cashback on Bills [![Arrow ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b0_Button%20Arrow.svg)](https://www.neobanc.com/cashback-on-bills#hero) ![UV Ray](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1243a_UV%20Ray.webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241b_Box%20(3).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241e_Box%20(4).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12421_Box%20(5).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241a_Box%20(2).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241a_Box%20(2).webp)![radiel image](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122fa_radiel%20image.webp) # Turn Monthly Bills Into Cashback Pay your everyday bills through Neobanc and earn 1% cashback on bill payments. Credit cards, utilities, telecom, internet, insurance — same bills, extra money back. [Start Paying Bills Smarter\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Start Paying Bills Smarter](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fcashback-on-bills) ![iPhone 15 Pro](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1235c_iPhone%2015%20Pro.webp)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6943092f62a06516517fd45e_billsscreen1.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6943093890f5f9436daf8d17_billscreen2.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6943094e25d5aa814eb9beb2_billscreen3.png) ![Hand Image](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232b_Hand%20Image.webp)![Purple Ball ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241d_Purple%20Ball.webp)![Purple Ball ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241d_Purple%20Ball.webp) Earn Cashback on Every Bill. Pay your everyday bills and earn 1% cashback automatically. Utilities, telecom, credit cards, and more — your monthly expenses finally pay you back. Bills ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122eb_Vector%20(45).svg) Pay Bills Your Way. Use Interac e-Transfer or credit card to pay your bills — including credit card bills. Stack Neobanc cashback with your card’s rewards for even more value. Payments ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122ec_Icon.svg) One Dashboard for All Your Bills. Track bill payments, cashback earned, upcoming due dates, and payment history — all in one simple, real-time dashboard. Transactions ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122ed_Vector%20(47).svg) Whether it’s rent, credit cards, hydro, internet, mobile, or taxes, Neobanc makes it easy to pay your essential bills. These are just a few of the many billers our users pay through Neobanc every month. ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693842b0cceb8d5c86207223_Scotiabank_id3Ga1ZJjW_1.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693842d5c1afe013b4669003_Hydro%20One_idgAsv9dUf_1.svg) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693842f7491db170ac8a300f_Rogers_idWJO_s226_1.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693843071245a55cb3001f80_Enbridge_Logo_Alternative_1.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693843240895bad5f76bcba4_Mastercard_Symbol_1.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6938433f68039bc64dd0a5d0_Alectra_idLorP5vys_0.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69384353c2f76b11a3207adb_CIBC_idEtE_2smO_1.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6938436d1bc07ac641919328_Telus_idw6HTSslI_1.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693843894387baf415a1a9e6_Freedom%20Mobile_idBLgyYTDg_1.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6938433f68039bc64dd0a5d0_Alectra_idLorP5vys_0.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69384954d2fad8954dba63ef_Capital_One_logo_PNG1.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69384b73669e94a42a2309bf_Canada.ca_idXWX715kC_1.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69385157bace7589e47fa3f6_TD%20Bank_id-BsLLUQM_1.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69385188e66e56e0dc81d8d1_id0mIWdYO4_1765298553926.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693851d7578290281cb040ac_Visa%20Inc._idDUM8TcN7_1.png) ![iPhone 12 Pro](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1253f_iPhone%2012%20Pro.webp) ## Pay All Your Bills — Including Credit Cards Yes, even your credit card bill! Neobanc makes it a breeze to pay your everyday bills—utilities, telecom, subscriptions, and credit card bills—all from one simple and convenient platform. Whether it’s your hydro, internet, mobile, or monthly credit card statement, Neobanc is here to help you pay with ease, security, and timeliness. Plus, you'll earn 1% cashback! Say goodbye to juggling multiple apps and manual tracking. Everything you need is right there on one easy-to-use dashboard. [Get started now\\ \\ ![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)\\ \\ Get started now](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fcashback-on-bills) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6938557c922e6e80c3166b10_Interac_Brand_2021.png) Interac e-Transfer Pay your bills securely using Interac e-Transfer — fast, reliable, and widely supported across Canadian billers. Ideal for utilities, telecom, taxes, and required for paying credit card bills. All payments are protected with insurance coverage of up to $10,000, through our partnership with reLease, so your money stays safe every step of the way. ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693c7866150684b27c86b487_creditcard%20logo.png) Credit Cards & Digital Wallets Pay eligible bills using Visa, Mastercard, or American Express, with support for Apple Pay and Google Pay. Stack your card rewards with 1% Neobanc cashback on eligible bill payments. Credit card bills must be paid via Interac e-Transfer and cannot be paid using another credit card. ## Pay the Bills You Already Have — and Get Rewarded ###### Neobanc helps you earn cashback on the bills you pay every month. If it’s a recurring expense, chances are you can pay it with Neobanc and earn rewards. ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232c_Icon.svg) Credit Cards ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232c_Icon.svg) Utilities (hydro, gas, water) ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232c_Icon.svg) Internet & mobile ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232c_Icon.svg) Insurance ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232c_Icon.svg) Property taxes & municipal bills ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232c_Icon.svg) Tuition and other approved billers [Get started now\\ \\ ![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)\\ \\ Get started now](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fcashback-on-bills) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941b5849ec2eeb617161be0_11-11screen.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941b76435b3d95538a4f767_currentbalance.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941b6fa7c5be9fcaf31c0d5_cashbackrewards.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6940845aa68db256d0fcac6a_Frame%201597883884.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694084377a37d9e145bbf80a_Frame%201597883885.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69408414fd202e4bc389dc91_Frame%201597883886.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694083ed8274b33e40fbdaa8_Frame%201597883887.png) ## Why Use Neobanc for Your Bills? ![Withdrawal]() Earn 1% Cashback ![arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123dc_nav%20arrow.svg) ![Coin in Hand]() Pay Your Way ![arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123dc_nav%20arrow.svg) ![Link]() Send Payments by Link or Email ![arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123dc_nav%20arrow.svg) ![Stack of Money]() Stack Your Rewards ![arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123dc_nav%20arrow.svg) ## We craft bold brands striking visuals digital experiences 01 Choose How You Want to Pay Pay your bills using Interac e-Transfer or an eligible credit card. Choose what works best for you. We Process the Payment Neobanc securely processes your bill payment and ensures it’s delivered to the correct biller — on time and without hassle. 02 03 Earn 1% Cashback Earn 1% cashback on eligible bill payments. Rewards are added automatically to your Neobanc account after each payment. ## Your bill payment questions, answered What bills can I pay with Neobanc? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-bills#) Do I earn cashback on bill payments? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-bills#) Can I pay bills using a credit card? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-bills#) Can I track my bills and payments? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-bills#) When should I fund my wallet for bills? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-bills#) Can I pay multiple bills in the same month? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-bills#) Can I stack credit card rewards with Neobanc cashback? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-bills#) What payment methods are supported? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-bills#) Do I get confirmation my bill was paid? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-bills#) Can I pay my credit card bill using a credit card? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-bills#) Can I use cashback toward bill payments? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-bills#) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad124be_footer%20gradient.webp) ## Grow your savings, start earning cashback today [Join Neobanc\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Join Neobanc](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fcashback-on-bills) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344d7a8bd3b3f01e2ebaa1_Neobanc%20Logo%20Horizontal-3.svg)](https://www.neobanc.com/) Turn everyday expenses into monthly rewards. Neobanc makes it easy to pay rent, handle bills, manage your mortgage, and buy gift cards, all while earning cashback on the essentials of life. [![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b6_Icon.svg)](https://www.facebook.com/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b8_Icon.svg)](https://www.linkedin.com/company/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b7_Icon.svg)](https://www.instagram.com/neobanccom)[![YouTube]()](https://www.youtube.com/@neobanc) Quick links [Home](https://www.neobanc.com/) [About Us](https://www.neobanc.com/about-neobanc) [Cashback Calculator](https://www.neobanc.com/cashback-calculator) [WTFAQs](https://www.neobanc.com/neobanc-faq) [Articles](https://www.neobanc.com/articles) Features [Rent](https://www.neobanc.com/cashback-on-rent) [Bills](https://www.neobanc.com/cashback-on-bills) [Mortgages](https://www.neobanc.com/cashback-on-mortgages) [Giftcards](https://www.neobanc.com/cashback-on-gift-cards) Address 1050 King St W Toronto, ON M6K 0C7 Canada Contact [Call Us](tel:4165592902) [Email Us](mailto:team@neobanc.com?subject=Support%20from%20Neobanc) © 2025 Neobanc Inc. \|  MSB Licence Number: C100000880 Under Neobanc Inc.. [Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) [Complaints](https://www.neobanc.com/legal/complaints) Chat Widget ## Neobanc Sitemap Overview https://www.neobanc.comhttps://www.neobanc.com/cashback-on-renthttps://www.neobanc.com/about-neobanchttps://www.neobanc.com/cashback-on-gift-cardshttps://www.neobanc.com/cashback-on-billshttps://www.neobanc.com/neobanc-faqhttps://www.neobanc.com/articleshttps://www.neobanc.com/solutions-enterprisehttps://www.neobanc.com/realtorshttps://www.neobanc.com/cashback-calculatorhttps://www.neobanc.com/cashback-on-mortgageshttps://www.neobanc.com/landlordshttps://www.neobanc.com/articles/credit-score-to-rent-apartment-ontariohttps://www.neobanc.com/articles/first-time-renting-ontario-guidehttps://www.neobanc.com/articles/moving-checklist-ontariohttps://www.neobanc.com/articles/neobanc-private-beta-legithttps://www.neobanc.com/articles/neobanc-vs-chexyhttps://www.neobanc.com/articles/neobanc-yahoo-finance-articlehttps://www.neobanc.com/articles/ontario-rent-increasehttps://www.neobanc.com/articles/ontario-rent-increase-2026https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guidehttps://www.neobanc.com/articles/rent-control-ontariohttps://www.neobanc.com/articles/tenant-rights-ontariohttps://www.neobanc.com/articles/when-did-mortgages-become-reward-eligiblehttps://www.neobanc.com/legal/complaintshttps://www.neobanc.com/legal/insurancehttps://www.neobanc.com/legal/privacy-policyhttps://www.neobanc.com/legal/terms-of-usehttps://www.neobanc.com/neobanc-contest/creditcard-contest-dec-10https://www.neobanc.com/neobanc-contest/creditcard-contest-jan-13https://www.neobanc.com/neobanc-contest/creditcard-contest-jan-2026https://www.neobanc.com/neobanc-contest/mobile-phone-contest-dec-18https://www.neobanc.com/neobanc-contest/rent-contest-jan-2026https://www.neobanc.com/neobanc-contest/rent-contest-nov-26https://www.neobanc.com/neobanc-contest/telecom-contest-nov-19https://www.neobanc.com/neobanc-contest/utilities-contest-dec-26 ## Cashback on Rent [![Arrow ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b0_Button%20Arrow.svg)](https://www.neobanc.com/cashback-on-rent#hero) ![UV Ray](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1243a_UV%20Ray.webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241b_Box%20(3).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12421_Box%20(5).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12421_Box%20(5).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241a_Box%20(2).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241a_Box%20(2).webp)![radiel image](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122fa_radiel%20image.webp) # The Smarter Way to Pay Your Rent Pay your rent your way — credit card, e-transfer, or recurring payments — and earn cashback, build credit, and access flexible rent loans when you need them. [Earn Cashback on Rent\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Earn Cashback on Rent](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fcashback-on-rent) ![iPhone 15 Pro](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1235c_iPhone%2015%20Pro.webp)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6938b843f66d6b3f3514af79_test.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6938eb33a948c826c7f410bf_payment.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6938f01541b082b8145d89cf_finalscreen.png) ![Hand Image](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232b_Hand%20Image.webp)![Purple Ball ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241d_Purple%20Ball.webp)![Purple Ball ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241d_Purple%20Ball.webp) Pay Your Rent Your Way. Manage rent with complete flexibility. Pay by credit card, Apple Pay, Google Pay, or Interac e-Transfer — and earn cashback on every payment. Payment ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122eb_Vector%20(45).svg) We Handle the Payment to Your Landlord Once you pay, we take care of the rest. Your landlord receives your rent on time, every month — no extra steps, no hassle. Rent Paid ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122ec_Icon.svg) Earn Cashback on Your Rent Your biggest monthly expense just got more rewarding. Every rent payment earns cashback you can use toward future payments, bills, or giftcards. Rewards ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122ed_Vector%20(47).svg) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6940845aa68db256d0fcac6a_Frame%201597883884.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694084377a37d9e145bbf80a_Frame%201597883885.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694083ed8274b33e40fbdaa8_Frame%201597883887.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69408414fd202e4bc389dc91_Frame%201597883886.png) ## PAY RENT YOUR WAY ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693c7866150684b27c86b487_creditcard%20logo.png) Pay by Credit Card ![arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123dc_nav%20arrow.svg) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6938557c922e6e80c3166b10_Interac_Brand_2021.png) Pay by Interac e-Transfer ![arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123dc_nav%20arrow.svg) ![recurring payment]() Recurring or One-Time Payments ![arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123dc_nav%20arrow.svg) ![Email Send]() Send Payments by Link or Email ![arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123dc_nav%20arrow.svg) ## Turn Your Largest Expense Into Rewards Every rent payment becomes an opportunity to save. Use your credit card → earn your own rewards → plus Neobanc cashback stacked on top. Thousands of Canadians save money every month simply by paying rent through Neobanc. [Get started now\\ \\ ![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)\\ \\ Get started now](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fcashback-on-rent) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69419707d6342d0181c37aea_Group%201597884192.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69371eaa0c6a27f87e978688_recent-transactions.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69371ba6fad697d2c0f2578a_Group%201597883849.png) ## Pay Rent Simply. Get Rewarded Automatically. 01 Choose your payment method (credit card or e-transfer) Select how you want to pay your rent — credit card or Interac e-Transfer. Pick the option that works best for your cash flow and rewards. Submit payment Confirm your rent amount and submit your payment in seconds. Neobanc securely processes everything and takes care of delivery. 02 03 Earn cashback automatically Every eligible rent payment earns cashback automatically. Use your rewards toward future rent or bills — no extra steps. Credit Reporting & Rent Loans Credit Reporting & Rent Loans Credit Reporting & Rent Loans Credit Reporting & Rent Loans Credit Reporting & Rent Loans Credit Reporting & Rent Loans Credit Reporting & Rent Loans Credit Reporting & Rent Loans Receive payments faster. ## Support When You Need It. ## Credit Boost When You Want It. Life happens — unexpected bills, gaps between paycheques, emergencies. When you need extra support, our rent loans help you stay ahead without falling behind. ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941cb7af3fb662a48655c73_applicationsubmit.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941cb70bbc24c707f2cb246_rentapplication.png) Rent is your biggest monthly payment — and with Neobanc, it can finally help build your credit score. Opt in for free credit reporting and we’ll automatically report your on-time rent payments to a major credit bureau, helping you: ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941ca159268e92900f2788b_Toast.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941c94143b2301b02fab15f_creditnotification.png) Together, rent loans and credit reporting give renters something powerful: real flexibility today, and real credit growth for tomorrow. Neobanc connects rent payments, financial support, and credit-building into one simple platform — helping renters stay ahead while building a stronger financial future. [Get Started\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Get Started](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fcashback-on-rent) Flexible Rent Loans Access short-term rent loans through our partner Spring Financial — designed to help you stay on track during unexpected expenses or tight months. Rent Credit Reporting Build or improve your credit score simply by paying rent. Opt in and Neobanc reports your on-time payments to help strengthen your financial profile. ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69349cac031cd19882e3aad1_phone-screen.png) ![Gradient image](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12315_Gradient%20image%202.webp) Pay your rent your way Neobanc makes it easy to pay rent using the payment method that works best for you. Whether you prefer Interact e-transfers, credit cards, or digital wallets, you can pay your landlord seamlessly — and earn cashback every time. No cheques. No manual tracking. Just simple, flexible rent payments in one place. Interact E-transfer A fast, reliable, and familiar way to send rent — with confirmation every time. Rent payments are sent via Interac e-Transfer and protected with insurance coverage of up to $10,000 through our partnership with reLease. Credit Cards & Digital Wallets Pay rent using Visa, Mastercard, or American Express — with Apple Pay or Google Pay supported for a seamless, contactless experience. Stack your card rewards with Neobanc cashback every time you pay. ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693843240895bad5f76bcba4_Mastercard_Symbol_1.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6938557c922e6e80c3166b10_Interac_Brand_2021.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693855a35235d97ce25b0424_google-pay.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6938479b6643d277c8d048a4_AXP_BlueBoxLogo_Alternate_REGULARscale_RGB_DIGITAL_700x700.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6938479b6643d277c8d048a4_AXP_BlueBoxLogo_Alternate_REGULARscale_RGB_DIGITAL_700x700.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693856ae085ea07cccc57ce0_Apple_Pay-Logo.wine.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693851d7578290281cb040ac_Visa%20Inc._idDUM8TcN7_1.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6938557c922e6e80c3166b10_Interac_Brand_2021.png) ## Everything you need to know about paying rent with Neobanc How does paying rent with Neobanc work? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-rent#) Does my landlord need to sign up for Neobanc? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-rent#) What payment methods can I use (Interac vs credit card)? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-rent#) What are the cashback options and how do they work? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-rent#) Can I change between 1% and 5% later? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-rent#) Why do I need to fund my wallet 3 business days before rent is due? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-rent#) What happens if I forget to fund my wallet on time? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-rent#) Is there a maximum rent amount for cashback? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-rent#) What if I entered the wrong landlord email? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-rent#) Will I get confirmation my landlord was paid? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-rent#) ## Grow your savings, start earning more cashback today [Get Started\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Get Started](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fcashback-on-rent) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69347197d21239273e670f43_554352cf48bf141b0065bba97ca75d32_Neobanc%20Logo%20Horizontal.svg)](https://www.neobanc.com/cashback-on-rent#) Turn everyday expenses into monthly rewards. Neobanc makes it easy to pay rent, handle bills, manage your mortgage, and buy gift cards, all while earning cashback on the essentials of life. [![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12277_Icon.svg)](https://www.facebook.com/neobanc/)[![Logo](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12275_Logo.svg)](https://www.linkedin.com/company/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12289_Icon.svg)](https://www.instagram.com/neobanccom)[![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694181ee1f461c320e35fbe9_26c77da5aa4eb1dc9a8a687b8c669305_youtube.svg)](https://www.youtube.com/@neobanc) Quick links [Home](https://www.neobanc.com/) [About Us](https://www.neobanc.com/about-neobanc) [Cashback Calculator](https://www.neobanc.com/cashback-calculator) [WTFaqs](https://www.neobanc.com/neobanc-faq) [Articles](https://www.neobanc.com/articles) Features [Rent](https://www.neobanc.com/cashback-on-rent) [Bills](https://www.neobanc.com/cashback-on-bills) [Mortgages](https://www.neobanc.com/cashback-on-mortgages) [Giftcards](https://www.neobanc.com/cashback-on-gift-cards) Address 1050 King St W Toronto, ON M6K 0C7 Canada Contact [Call Us](tel:+1(647)559-2909) [Email Us](mailto:team@neobanc.com) © 2025 Neobanc Inc. \|  MSB Licence Number: C100000880 Under Neo Fortune Financial Inc. [Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Complaints](https://www.neobanc.com/legal/complaints) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) Chat Widget ## Cashback on Gift Cards [![Arrow ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b0_Button%20Arrow.svg)](https://www.neobanc.com/cashback-on-gift-cards#nav) ![Light image](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12295_UV%20Ray.avif)![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12250_Box%20(6).avif)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1224e_Box%20(7).avif)![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12292_Box%20(5).avif)![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12291_Box%20(4).avif)![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1224c_Box%20(2).avif)![Blue Shape](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12251_Blue%20Shape.webp) # Shop Your Favourite Brands — Earn Cashback Every Time Buy gift cards for the brands you already shop at and earn cashback instantly. From groceries and home improvement to travel, rides, and coffee — Neobanc helps you save while you spend. [Shop Giftcards\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Shop Giftcards](https://play.google.com/) ![Purple shape ball](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1224d_Purple%20shape%20ball.avif)![Purple shape ball](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1224d_Purple%20shape%20ball.avif) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694079d1314341bf0a33ec2f_freepik__a-vertical-portraitoriented-standalone-digital-gif__85333.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69407965cc3153d087ad2ff4_freepik__a-vertical-portraitoriented-standalone-digital-gif__85331.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694079bc2b06d331f7e257b8_freepik__a-vertical-portraitoriented-standalone-digital-gif__85332.png) Trusted by thousands of shoppers. These are just some of the hundreds of gift cards you can buy — and earn cashback on! ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6952d5496fa853cde10c743d_airbnb.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6952d58a6b63a6fc0001c17f_amazon.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6952d5b0308ff23f89f810fa_SOB-CA-card.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6952d5d1386cb85ddb3016bc_uber.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6952d5ee9cbcf777138b946d_walmart.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6952d5496fa853cde10c743d_airbnb.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6952d58a6b63a6fc0001c17f_amazon.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6952d5b0308ff23f89f810fa_SOB-CA-card.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6952d5d1386cb85ddb3016bc_uber.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6952d5ee9cbcf777138b946d_walmart.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6952d5496fa853cde10c743d_airbnb.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6952d58a6b63a6fc0001c17f_amazon.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6952d5b0308ff23f89f810fa_SOB-CA-card.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6952d5d1386cb85ddb3016bc_uber.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6952d5ee9cbcf777138b946d_walmart.png) ![Giftcard]() Choose a Gift Card Browse hundreds of popular brands across shopping, groceries, food, and travel. The cashback amount is clearly displayed before you purchase. ![Cash in Hand]() Buy & Earn Complete your purchase and earn cashback instantly. ![Cash Back]() Use Your Rewards Enjoy your shopping while knowing you saved. Apply cashback toward future payments like rent or bills. ![Gift card](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12492_Gift%20card.webp)![Circle box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123cc_Circle%20box.webp) Unlimited cashback ## Instant Delivery, Zero Hassle Your digital gift cards are delivered instantly and securely, ready to use online or in-store within seconds. ## Double the Rewards, Instantly Connect your account securely with Plaid and unlock double cashback on eligible gift card purchases — same shopping, twice the rewards. ## Cashback You See Before You Buy Every gift card shows exactly how much cashback you’ll earn upfront, so you always know the value before checking out. ## Turn Everyday Shopping Into Savings Buy gift cards for brands you already shop at — groceries, home, travel, and more — and earn cashback while you spend. ## Cashback You See Before You Buy Every gift card shows exactly how much cashback you’ll earn upfront, so you always know the value before checking out. ## Double the Rewards, Instantly Connect your account securely with Plaid and unlock double cashback on eligible gift card purchases — same shopping, twice the rewards. ## Transform data into financial wins Lorem ipsum background background content frame sito bold opacity ipsum component distribute. ### Why Buy Gift Cards with Neobanc? ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232e_check.svg) Save while shopping ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232e_check.svg) Instant, transparent rewards ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232e_check.svg) Wide selection of brands ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232e_check.svg) Double rewards with Plaid ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232e_check.svg) No gimmicks ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6940399fd9385bda3327b522_gcphone.png) ![Shape](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12397_Shape.svg) [Shop Giftcards\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Shop Giftcards](https://app.neobanc.com/dashboard/gift-cards?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fcashback-on-gift-cards) ![Bg shape](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123c0_Bg%20shape.webp) ## Unlock double cashback with a secure Plaid connection Connecting your account with Plaid helps Neobanc verify payments and unlock double the cashback on giftcards. Plaid uses industry-leading security standards. Neobanc never sees or stores your bank login details, and you stay fully in control at all times. [Bank-grade security you can trust\\ \\ Plaid is trusted by thousands of financial apps to connect accounts safely. Your credentials are encrypted and never shared with Neobanc.](https://www.neobanc.com/cashback-on-gift-cards#) [Double the rewards\\ \\ Once connected, you earn double cashback on giftcards — same spending, more value back in your pocket.](https://www.neobanc.com/cashback-on-gift-cards#) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69407e0d50095c26cf5d4071_freepik__a-premium-cinematic-illustration-of-a-floating-dig__85335.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69407cf64c05997a33a44f12_freepik__a-vertical-portraitoriented-standalone-digital-gif__85334.png) ## Shop gift cards. Earn cashback. Repeat. Smarter shopping starts here Buy gift cards for brands you already love and earn cashback on every purchase. Connect with Plaid to double your rewards — same shopping, more money back. [Explore gift cards\\ \\ ![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)\\ \\ Explore gift cards](https://app.neobanc.com/dashboard/gift-cards?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fcashback-on-gift-cards) ## Your gift card questions, answered Is connecting with Plaid safe? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-gift-cards#) How many brands are available? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-gift-cards#) Are there fees for buying gift cards? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-gift-cards#) Are gift card purchases secure? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-gift-cards#) Where does my cashback go? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-gift-cards#) Can I use gift cards right away? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-gift-cards#) Can I use my Neobanc cashback to buy gift cards? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-gift-cards#) How much cashback can I earn? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-gift-cards#) Does gift card cashback replace rent cashback? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-gift-cards#) Which brands are available? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-gift-cards#) Can I return a gift card? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-gift-cards#) Where can I see my gift card purchases and cashback? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-gift-cards#) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad124be_footer%20gradient.webp) ## Grow your savings, start earning cashback today [Join Neobanc\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Join Neobanc](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fcashback-on-gift-cards) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344d7a8bd3b3f01e2ebaa1_Neobanc%20Logo%20Horizontal-3.svg)](https://www.neobanc.com/) Turn everyday expenses into monthly rewards. Neobanc makes it easy to pay rent, handle bills, manage your mortgage, and buy gift cards, all while earning cashback on the essentials of life. [![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b6_Icon.svg)](https://www.facebook.com/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b8_Icon.svg)](https://www.linkedin.com/company/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b7_Icon.svg)](https://www.instagram.com/neobanccom)[![YouTube]()](https://www.youtube.com/@neobanc) Quick links [Home](https://www.neobanc.com/) [About Us](https://www.neobanc.com/about-neobanc) [Cashback Calculator](https://www.neobanc.com/cashback-calculator) [WTFAQs](https://www.neobanc.com/neobanc-faq) [Articles](https://www.neobanc.com/articles) Features [Rent](https://www.neobanc.com/cashback-on-rent) [Bills](https://www.neobanc.com/cashback-on-bills) [Mortgages](https://www.neobanc.com/cashback-on-mortgages) [Giftcards](https://www.neobanc.com/cashback-on-gift-cards) Address 1050 King St W Toronto, ON M6K 0C7 Canada Contact [Call Us](tel:4165592902) [Email Us](mailto:team@neobanc.com?subject=Support%20from%20Neobanc) © 2025 Neobanc Inc. \|  MSB Licence Number: C100000880 Under Neobanc Inc.. [Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) [Complaints](https://www.neobanc.com/legal/complaints) Chat Widget ## Cashback Calculator [![Arrow ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b0_Button%20Arrow.svg)](https://www.neobanc.com/cashback-calculator#nav) ![UV Ray](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1243a_UV%20Ray.webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241e_Box%20(4).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241b_Box%20(3).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12421_Box%20(5).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241b_Box%20(3).webp) See how much cashback you could be earning # Your everyday payments add up — so should your rewards Use our cashback calculator to estimate how much you can earn by paying rent, bills, mortgage payments, and buying gift cards with Neobanc. [Join Neobanc\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Join Neobanc](https://www.neobanc.com/cashback-calculator#) ![Pink piggy bank with a smiling face and blushing cheeks on a white surface.](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694063683df7a6fcc216ac21_e1a11c58c09ca51767b634870a4ef2d6_Piggy_04%202.avif) ## Paying rent and bills shouldn't feel like a dead end. Cashback is just the beginning. We’re building tools to help YOU save more, stress less, and eventually buy the place they live in. [Join Neobanc\\ \\ ![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)\\ \\ Join Neobanc](https://www.neobanc.com/cashback-calculator#) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6940615d3df7a6fcc216ac20_b224268852d6bbba95032c81fda858de_Piggy_Protest_Clean%201.avif) Cashback Calculator Cashback Calculator Cashback Calculator Cashback Calculator Cashback Calculator Cashback Calculator Cashback Calculator Cashback Calculator Cashback Calculator Good Things Are Coming ## We’re Improving the Cashback Calculator We’re currently upgrading our cashback calculator to make it even more accurate, insightful, and useful. Soon, you’ll be able to estimate your potential cashback across rent, bills, mortgage payments, and gift cards — all in one place. Check back shortly to see how much your everyday payments can really earn you. ## Grow your savings, start earning more cashback today [Get Started\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Get Started](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fcashback-calculator) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69347197d21239273e670f43_554352cf48bf141b0065bba97ca75d32_Neobanc%20Logo%20Horizontal.svg)](https://www.neobanc.com/cashback-calculator#) Turn everyday expenses into monthly rewards. Neobanc makes it easy to pay rent, handle bills, manage your mortgage, and buy gift cards, all while earning cashback on the essentials of life. [![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12277_Icon.svg)](https://www.facebook.com/neobanc/)[![Logo](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12275_Logo.svg)](https://www.linkedin.com/company/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12289_Icon.svg)](https://www.instagram.com/neobanccom)[![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694181ee1f461c320e35fbe9_26c77da5aa4eb1dc9a8a687b8c669305_youtube.svg)](https://www.youtube.com/@neobanc) Quick links [Home](https://www.neobanc.com/) [About Us](https://www.neobanc.com/about-neobanc) [Cashback Calculator](https://www.neobanc.com/cashback-calculator) [WTFaqs](https://www.neobanc.com/neobanc-faq) [Articles](https://www.neobanc.com/articles) Features [Rent](https://www.neobanc.com/cashback-on-rent) [Bills](https://www.neobanc.com/cashback-on-bills) [Mortgages](https://www.neobanc.com/cashback-on-mortgages) [Giftcards](https://www.neobanc.com/cashback-on-gift-cards) Address 1050 King St W Toronto, ON M6K 0C7 Canada Contact [Call Us](tel:+1(647)559-2909) [Email Us](mailto:team@neobanc.com) © 2025 Neobanc Inc. \|  MSB Licence Number: C100000880 Under Neo Fortune Financial Inc. [Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Complaints](https://www.neobanc.com/legal/complaints) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) Chat Widget ## Cashback Mortgages [![Arrow ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b0_Button%20Arrow.svg)](https://www.neobanc.com/cashback-on-mortgages#hero) ![UV Ray](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1243a_UV%20Ray.webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241b_Box%20(3).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241e_Box%20(4).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12421_Box%20(5).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241a_Box%20(2).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241a_Box%20(2).webp)![radiel image](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122fa_radiel%20image.webp) # Turn Your Mortgage Payments Into Cashback Make your mortgage payments through Neobanc and earn 0.5% cashback every time you pay. Same mortgage. Same lender. Extra money back. [Get Started\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Get Started](https://play.google.com/) ![iPhone 15 Pro](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1235c_iPhone%2015%20Pro.webp)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6942fd64fb86982cde1d13a3_mortagescreen1.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694300ca0ec781f56fd86842_mortgagescreen2.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694302d8b9164acd9a38d3b2_mortgagescreen3.png) ![Hand Image](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232b_Hand%20Image.webp)![Purple Ball ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241d_Purple%20Ball.webp)![Purple Ball ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241d_Purple%20Ball.webp) Pay Your Mortgage Your Way. Manage your mortgage with flexibility — make payments securely and earn cashback on eligible mortgage payments, without changing how your lender gets paid. Mortgage Payments ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122eb_Vector%20(45).svg) Mortgage Payments When you submit a mortgage payment, Neobanc processes it and deposits the funds into the account your lender uses for direct withdrawals — ensuring your payment is delivered smoothly and on time.ergencies. Payment Sent ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122ec_Icon.svg) Earn 0.5% Cashback on Your Mortgage. Earn 0.5% cashback on eligible mortgage payments. Your rewards can be used toward future payments or bills — helping your biggest expense give something back. Rewards ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122ed_Vector%20(47).svg) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6940845aa68db256d0fcac6a_Frame%201597883884.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694084377a37d9e145bbf80a_Frame%201597883885.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69408414fd202e4bc389dc91_Frame%201597883886.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694083ed8274b33e40fbdaa8_Frame%201597883887.png) ## Pay Your Mortgage Your Way ![icon one](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122df_icon%20one.svg) Interac e-Transfer ![arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123dc_nav%20arrow.svg) ![icon two (11)](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122e0_icon%20two%20(11).svg) Eligible credit card payments ![arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123dc_nav%20arrow.svg) ![icon three](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122e1_icon%20three%20(5).svg) Reoccuing payments ![arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123dc_nav%20arrow.svg) ## Mortgage Payments You Can Trust We treat your rent like it’s our own — partnering with trusted, insured financial institutions and industry-leading protections to keep your money safe. ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232e_check.svg) CDIC-insured partner bank ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232e_check.svg) Payments made via Interac e-Transfer are insured up to $10,000 through reLease ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232e_check.svg) 100% on-time payment delivery ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232e_check.svg) $2M liability coverage through Zensurance ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232e_check.svg) Backed by top accelerators & venture capital partners [Get started now\\ \\ ![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)\\ \\ Get started now](https://www.neobanc.com/cashback-on-mortgages#) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69387d8890137106cc9969a4_Group%201597884091.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941b6fa7c5be9fcaf31c0d5_cashbackrewards.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69371ba6fad697d2c0f2578a_Group%201597883849.png) ## Fast, Transparent, and Designed For You 01 Make Your Mortgage Payment Pay your mortgage using Neobanc with your preferred payment method — Interac e-Transfer or credit card. We Fund Your Mortgage Account Neobanc securely processes your payment and deposits it into the account your mortgage lender debits from, so your payment goes through smoothly and on schedule. 02 03 You Earn 0.5% Cashback Earn 0.5% cashback on every mortgage payment, automatically added to your Neobanc account. ## Everything you need to know about mortgage payments with Neobanc How do mortgage payments work through Neobanc? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-mortgages#) What documents/info do I need to set up mortgage payments? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-mortgages#) When do I need to fund my wallet for mortgage payments? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-mortgages#) Can I pay a mortgage with a credit card through Neobanc? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-mortgages#) Is there a daily transfer limit? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-mortgages#) Can I make multiple deposits to cover my mortgage payment? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-mortgages#) What if my mortgage details are wrong? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-mortgages#) Is my mortgage information secure? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-mortgages#) When do I receive cashback on mortgage payments? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-mortgages#) Does using Neobanc affect my mortgage lender relationship? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/cashback-on-mortgages#) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad124be_footer%20gradient.webp) ## Grow your savings, start earning cashback today [Join Neobanc\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Join Neobanc](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fcashback-on-mortgages) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344d7a8bd3b3f01e2ebaa1_Neobanc%20Logo%20Horizontal-3.svg)](https://www.neobanc.com/) Turn everyday expenses into monthly rewards. Neobanc makes it easy to pay rent, handle bills, manage your mortgage, and buy gift cards, all while earning cashback on the essentials of life. [![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b6_Icon.svg)](https://www.facebook.com/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b8_Icon.svg)](https://www.linkedin.com/company/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b7_Icon.svg)](https://www.instagram.com/neobanccom)[![YouTube]()](https://www.youtube.com/@neobanc) Quick links [Home](https://www.neobanc.com/) [About Us](https://www.neobanc.com/about-neobanc) [Cashback Calculator](https://www.neobanc.com/cashback-calculator) [WTFAQs](https://www.neobanc.com/neobanc-faq) [Articles](https://www.neobanc.com/articles) Features [Rent](https://www.neobanc.com/cashback-on-rent) [Bills](https://www.neobanc.com/cashback-on-bills) [Mortgages](https://www.neobanc.com/cashback-on-mortgages) [Giftcards](https://www.neobanc.com/cashback-on-gift-cards) Address 1050 King St W Toronto, ON M6K 0C7 Canada Contact [Call Us](tel:4165592902) [Email Us](mailto:team@neobanc.com?subject=Support%20from%20Neobanc) © 2025 Neobanc Inc. \|  MSB Licence Number: C100000880 Under Neobanc Inc.. [Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) [Complaints](https://www.neobanc.com/legal/complaints) Chat Widget ## Landlord Payment Solutions [![Arrow ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b0_Button%20Arrow.svg)](https://www.neobanc.com/landlords#nav) ![UV Ray](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1243a_UV%20Ray.webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241b_Box%20(3).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12421_Box%20(5).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12421_Box%20(5).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241a_Box%20(2).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241a_Box%20(2).webp)![radiel image](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122fa_radiel%20image.webp) # Make Rent Easier for Your Tenants — and Reward Your Business Neobanc helps landlords get rent on time, reduce follow-up work, and earn rewards when tenants pay through the platform. [Become a Partner\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Become a Partner](https://www.neobanc.com/landlords#partner-form) ![iPhone 15 Pro](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1235c_iPhone%2015%20Pro.webp)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6938b843f66d6b3f3514af79_test.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6938eb33a948c826c7f410bf_payment.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6938f01541b082b8145d89cf_finalscreen.png) ![Hand Image](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232b_Hand%20Image.webp)![Purple Ball ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241d_Purple%20Ball.webp)![Purple Ball ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241d_Purple%20Ball.webp) Refer Your Tenants Share your unique Neobanc referral link with your tenants. There are no lease changes, no paperwork, and no disruption to existing rental agreements. Refer Tenants ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122eb_Vector%20(45).svg) Tenants Pay Rent with Neobanc Your tenants pay rent using credit card or Interac e-Transfer. Neobanc handles the payment and ensures rent is delivered on time, every month. Rent Paid ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122ec_Icon.svg) You Earn Passive Income Earn a percentage of rent payments for as long as your clients continue to use Neobanc — turning one referral into recurring income. Earn Revenue ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122ed_Vector%20(47).svg) Unlock Passive Income Unlock Passive Income Unlock Passive Income Unlock Passive Income Unlock Passive Income Unlock Passive Income Unlock Passive Income Unlock Passive Income Unlock Passive Income ## Share a link. Get paid. Simple. ![Shield](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1237d_Shield.svg) Activate your partner account Sign up and get your unique referral link — setup takes less than 5 minutes. ![Doller Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12380_Doller%20Icon.svg) Share your link with tenants Send tenants your referral link — no contracts, no legal changes, no disruption. ![layers](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1237f_layers.svg) Tenants pay with Neobanc Tenants pay rent via credit card or Interac e-Transfer through the Neobanc platform. ![Shield](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1237d_Shield.svg) You earn rewards Receive a referral reward — paid monthly — for every tenant who pays rent through Neobanc. ### Why Landlords Love Neobanc ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232e_check.svg) Better cash-flow predictability Timely payments help you plan and manage your properties more effectively. ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232e_check.svg) Lower administrative overhead Automated reminders and a clear tenant payment dashboard reduce manual work. ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232e_check.svg) Higher tenant satisfaction Delivering modern payment options and rewards builds goodwill and tenant retention. ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1232e_check.svg) Earn recurring rewards Every rentable unit you refer that pays rent through Neobanc puts money in your pocket — without extra effort. ![Phone image](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1253d_Phone%20image.webp) ![Shape](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12397_Shape.svg) [Become a Partner\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Become a Partner](https://www.neobanc.com/landlords#partner-form) ![Bg shape](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123c0_Bg%20shape.webp) ## Why Tenants Love It When you recommend Neobanc, tenants get benefits they actually care about: Cashback on rent payments Rent is usually a sunk cost. With Neobanc, tenants earn cashback just for paying rent on time — turning their biggest monthly expense into something that actually gives back. Pay with credit card or Interac Tenants can choose how they pay — by credit card or Interac e-Transfer — giving them flexibility when they need it, without changing their lease or landlord. Build better payment habits With reminders, real-time tracking, and optional rent reporting, tenants can stay on top of rent and turn on-time payments into long-term financial benefits. ![Card Image](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123c1_Card%20Image.webp) Form # Become a Neobanc Landlord Partner Bring cashback, rent reporting, and payment perks to your renters, and earn passive monthly income. First Name\* Last Name\* Company Name Email\* Phone Number\* 🇺🇸 - 🇦🇫 Afghanistan (‫افغانستان‬‎) +93 - 🇦🇱 Albania (Shqipëri) +355 - 🇩🇿 Algeria (‫الجزائر‬‎) +213 - 🇦🇸 American Samoa +1684 - 🇦🇩 Andorra +376 - 🇦🇴 Angola +244 - 🇦🇮 Anguilla +1264 - 🇦🇬 Antigua and Barbuda +1268 - 🇦🇷 Argentina +54 - 🇦🇲 Armenia (Հայաստան) +374 - 🇦🇼 Aruba +297 - 🇦🇺 Australia +61 - 🇦🇹 Austria (Österreich) +43 - 🇦🇿 Azerbaijan (Azərbaycan) +994 - 🇧🇸 Bahamas +1242 - 🇧🇭 Bahrain (‫البحرين‬‎) +973 - 🇧🇩 Bangladesh (বাংলাদেশ) +880 - 🇧🇧 Barbados +1246 - 🇧🇾 Belarus (Беларусь) +375 - 🇧🇪 Belgium (België) +32 - 🇧🇿 Belize +501 - 🇧🇯 Benin (Bénin) +229 - 🇧🇲 Bermuda +1441 - 🇧🇹 Bhutan (འབྲུག) +975 - 🇧🇴 Bolivia +591 - 🇧🇦 Bosnia and Herzegovina (Босна и Херцеговина) +387 - 🇧🇼 Botswana +267 - 🇧🇷 Brazil (Brasil) +55 - 🇮🇴 British Indian Ocean Territory +246 - 🇻🇬 British Virgin Islands +1284 - 🇧🇳 Brunei +673 - 🇧🇬 Bulgaria (България) +359 - 🇧🇫 Burkina Faso +226 - 🇧🇮 Burundi (Uburundi) +257 - 🇰🇭 Cambodia (កម្ពុជា) +855 - 🇨🇲 Cameroon (Cameroun) +237 - 🇨🇦 Canada +1 - 🇨🇻 Cape Verde (Kabu Verdi) +238 - 🇧🇶 Caribbean Netherlands +599 - 🇰🇾 Cayman Islands +1345 - 🇨🇫 Central African Republic (République centrafricaine) +236 - 🇹🇩 Chad (Tchad) +235 - 🇨🇱 Chile +56 - 🇨🇳 China (中国) +86 - 🇨🇴 Colombia +57 - 🇰🇲 Comoros (‫جزر القمر‬‎) +269 - 🇨🇩 Congo (DRC) (Jamhuri ya Kidemokrasia ya Kongo) +243 - 🇨🇬 Congo (Republic) (Congo-Brazzaville) +242 - 🇨🇰 Cook Islands +682 - 🇨🇷 Costa Rica +506 - 🇨🇮 Côte d’Ivoire +225 - 🇭🇷 Croatia (Hrvatska) +385 - 🇨🇺 Cuba +53 - 🇨🇼 Curaçao +599 - 🇨🇾 Cyprus (Κύπρος) +357 - 🇨🇿 Czech Republic (Česká republika) +420 - 🇩🇰 Denmark (Danmark) +45 - 🇩🇯 Djibouti +253 - 🇩🇲 Dominica +1767 - 🇩🇴 Dominican Republic (República Dominicana) +1 - 🇪🇨 Ecuador +593 - 🇪🇬 Egypt (‫مصر‬‎) +20 - 🇸🇻 El Salvador +503 - 🇬🇶 Equatorial Guinea (Guinea Ecuatorial) +240 - 🇪🇷 Eritrea +291 - 🇪🇪 Estonia (Eesti) +372 - 🇪🇹 Ethiopia +251 - 🇫🇰 Falkland Islands (Islas Malvinas) +500 - 🇫🇴 Faroe Islands (Føroyar) +298 - 🇫🇯 Fiji +679 - 🇫🇮 Finland (Suomi) +358 - 🇫🇷 France +33 - 🇬🇫 French Guiana (Guyane française) +594 - 🇵🇫 French Polynesia (Polynésie française) +689 - 🇬🇦 Gabon +241 - 🇬🇲 Gambia +220 - 🇬🇪 Georgia (საქართველო) +995 - 🇩🇪 Germany (Deutschland) +49 - 🇬🇭 Ghana (Gaana) +233 - 🇬🇮 Gibraltar +350 - 🇬🇷 Greece (Ελλάδα) +30 - 🇬🇱 Greenland (Kalaallit Nunaat) +299 - 🇬🇩 Grenada +1473 - 🇬🇵 Guadeloupe +590 - 🇬🇺 Guam +1671 - 🇬🇹 Guatemala +502 - 🇬🇳 Guinea (Guinée) +224 - 🇬🇼 Guinea-Bissau (Guiné Bissau) +245 - 🇬🇾 Guyana +592 - 🇭🇹 Haiti +509 - 🇭🇳 Honduras +504 - 🇭🇰 Hong Kong (香港) +852 - 🇭🇺 Hungary (Magyarország) +36 - 🇮🇸 Iceland (Ísland) +354 - 🇮🇳 India (भारत) +91 - 🇮🇩 Indonesia +62 - 🇮🇷 Iran (‫ایران‬‎) +98 - 🇮🇶 Iraq (‫العراق‬‎) +964 - 🇮🇪 Ireland +353 - 🇮🇱 Israel (‫ישראל‬‎) +972 - 🇮🇹 Italy (Italia) +39 - 🇯🇲 Jamaica +1876 - 🇯🇵 Japan (日本) +81 - 🇯🇴 Jordan (‫الأردن‬‎) +962 - 🇰🇿 Kazakhstan (Казахстан) +7 - 🇰🇪 Kenya +254 - 🇰🇮 Kiribati +686 - 🇽🇰 Kosovo +383 - 🇰🇼 Kuwait (‫الكويت‬‎) +965 - 🇰🇬 Kyrgyzstan (Кыргызстан) +996 - 🇱🇦 Laos (ລາວ) +856 - 🇱🇻 Latvia (Latvija) +371 - 🇱🇧 Lebanon (‫لبنان‬‎) +961 - 🇱🇸 Lesotho +266 - 🇱🇷 Liberia +231 - 🇱🇾 Libya (‫ليبيا‬‎) +218 - 🇱🇮 Liechtenstein +423 - 🇱🇹 Lithuania (Lietuva) +370 - 🇱🇺 Luxembourg +352 - 🇲🇴 Macau (澳門) +853 - 🇲🇰 Macedonia (FYROM) (Македонија) +389 - 🇲🇬 Madagascar (Madagasikara) +261 - 🇲🇼 Malawi +265 - 🇲🇾 Malaysia +60 - 🇲🇻 Maldives +960 - 🇲🇱 Mali +223 - 🇲🇹 Malta +356 - 🇲🇭 Marshall Islands +692 - 🇲🇶 Martinique +596 - 🇲🇷 Mauritania (‫موريتانيا‬‎) +222 - 🇲🇺 Mauritius (Moris) +230 - 🇲🇽 Mexico (México) +52 - 🇫🇲 Micronesia +691 - 🇲🇩 Moldova (Republica Moldova) +373 - 🇲🇨 Monaco +377 - 🇲🇳 Mongolia (Монгол) +976 - 🇲🇪 Montenegro (Crna Gora) +382 - 🇲🇸 Montserrat +1664 - 🇲🇦 Morocco (‫المغرب‬‎) +212 - 🇲🇿 Mozambique (Moçambique) +258 - 🇲🇲 Myanmar (Burma) (မြန်မာ) +95 - 🇳🇦 Namibia (Namibië) +264 - 🇳🇷 Nauru +674 - 🇳🇵 Nepal (नेपाल) +977 - 🇳🇱 Netherlands (Nederland) +31 - 🇳🇨 New Caledonia (Nouvelle-Calédonie) +687 - 🇳🇿 New Zealand +64 - 🇳🇮 Nicaragua +505 - 🇳🇪 Niger (Nijar) +227 - 🇳🇬 Nigeria +234 - 🇳🇺 Niue +683 - 🇳🇫 Norfolk Island +672 - 🇰🇵 North Korea (조선 민주주의 인민 공화국) +850 - 🇲🇵 Northern Mariana Islands +1670 - 🇳🇴 Norway (Norge) +47 - 🇴🇲 Oman (‫عُمان‬‎) +968 - 🇵🇰 Pakistan (‫پاکستان‬‎) +92 - 🇵🇼 Palau +680 - 🇵🇸 Palestine (‫فلسطين‬‎) +970 - 🇵🇦 Panama (Panamá) +507 - 🇵🇬 Papua New Guinea +675 - 🇵🇾 Paraguay +595 - 🇵🇪 Peru (Perú) +51 - 🇵🇭 Philippines +63 - 🇵🇱 Poland (Polska) +48 - 🇵🇹 Portugal +351 - 🇵🇷 Puerto Rico +1 - 🇶🇦 Qatar (‫قطر‬‎) +974 - 🇷🇪 Réunion (La Réunion) +262 - 🇷🇴 Romania (România) +40 - 🇷🇺 Russia (Россия) +7 - 🇷🇼 Rwanda +250 - 🇧🇱 Saint Barthélemy (Saint-Barthélemy) +590 - 🇸🇭 Saint Helena +290 - 🇰🇳 Saint Kitts and Nevis +1869 - 🇱🇨 Saint Lucia +1758 - 🇲🇫 Saint Martin (Saint-Martin (partie française)) +590 - 🇵🇲 Saint Pierre and Miquelon (Saint-Pierre-et-Miquelon) +508 - 🇻🇨 Saint Vincent and the Grenadines +1784 - 🇼🇸 Samoa +685 - 🇸🇲 San Marino +378 - 🇸🇹 São Tomé and Príncipe (São Tomé e Príncipe) +239 - 🇸🇦 Saudi Arabia (‫المملكة العربية السعودية‬‎) +966 - 🇸🇳 Senegal (Sénégal) +221 - 🇷🇸 Serbia (Србија) +381 - 🇸🇨 Seychelles +248 - 🇸🇱 Sierra Leone +232 - 🇸🇬 Singapore +65 - 🇸🇽 Sint Maarten +1721 - 🇸🇰 Slovakia (Slovensko) +421 - 🇸🇮 Slovenia (Slovenija) +386 - 🇸🇧 Solomon Islands +677 - 🇸🇴 Somalia (Soomaaliya) +252 - 🇿🇦 South Africa +27 - 🇰🇷 South Korea (대한민국) +82 - 🇸🇸 South Sudan (‫جنوب السودان‬‎) +211 - 🇪🇸 Spain (España) +34 - 🇱🇰 Sri Lanka (ශ්‍රී ලංකාව) +94 - 🇸🇩 Sudan (‫السودان‬‎) +249 - 🇸🇷 Suriname +597 - 🇸🇿 Swaziland +268 - 🇸🇪 Sweden (Sverige) +46 - 🇨🇭 Switzerland (Schweiz) +41 - 🇸🇾 Syria (‫سوريا‬‎) +963 - 🇹🇼 Taiwan (台灣) +886 - 🇹🇯 Tajikistan +992 - 🇹🇿 Tanzania +255 - 🇹🇭 Thailand (ไทย) +66 - 🇹🇱 Timor-Leste +670 - 🇹🇬 Togo +228 - 🇹🇰 Tokelau +690 - 🇹🇴 Tonga +676 - 🇹🇹 Trinidad and Tobago +1868 - 🇹🇳 Tunisia (‫تونس‬‎) +216 - 🇹🇷 Turkey (Türkiye) +90 - 🇹🇲 Turkmenistan +993 - 🇹🇨 Turks and Caicos Islands +1649 - 🇹🇻 Tuvalu +688 - 🇻🇮 U.S. Virgin Islands +1340 - 🇺🇬 Uganda +256 - 🇺🇦 Ukraine (Україна) +380 - 🇦🇪 United Arab Emirates (‫الإمارات العربية المتحدة‬‎) +971 - 🇬🇧 United Kingdom +44 - 🇺🇸 United States +1 - 🇺🇾 Uruguay +598 - 🇺🇿 Uzbekistan (Oʻzbekiston) +998 - 🇻🇺 Vanuatu +678 - 🇻🇦 Vatican City (Città del Vaticano) +39 - 🇻🇪 Venezuela +58 - 🇻🇳 Vietnam (Việt Nam) +84 - 🇼🇫 Wallis and Futuna +681 - 🇾🇪 Yemen (‫اليمن‬‎) +967 - 🇿🇲 Zambia +260 - 🇿🇼 Zimbabwe +263 Number of Units\* Tenant Email(s) Additional Comments\* Submit ## Your landlord questions, answered Who is the Landlord Partnership best for? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/landlords#) Can I track referrals and rewards? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/landlords#) Does Neobanc help reduce late payments? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/landlords#) Why do tenants like using Neobanc? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/landlords#) Is Neobanc secure? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/landlords#) Do landlords need to manage tenant payments in Neobanc? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/landlords#) How do landlords earn rewards? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/landlords#) How do tenants pay rent with Neobanc? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/landlords#) How do landlords receive rent? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/landlords#) What is the Neobanc Landlord Partnership? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/landlords#) Do I need to change lease agreements? [![plus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d3_415454eb663eef2ce34b4e16ce456bf0_plus.svg)![minus](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6941eac997fa03eff02298d2_366e9c42453fb1ee96dbf7e373b71771_minus.svg)](https://www.neobanc.com/landlords#) Is there a cost for landlords to join? 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\[2026 Guide\] ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png) Neobanc ### Table of Contents [How Credit Scores Work in Canada](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario#how-credit-scores-work-in-canada) [What Credit Score Do Ontario Landlords Require?](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario#what-credit-score-do-ontario-landlords-require) [What Do Landlords Look for on a Credit Check?](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario#what-do-landlords-look-for-on-a-credit-check) [Your Legal Rights Under Ontario's Human Rights Code](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario#your-legal-rights-under-ontarios-human-rights-code) [Hard Inquiries vs. Soft Inquiries: Protecting Your Credit](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario#hard-inquiries-vs-soft-inquiries-protecting-your-credit) [How to Rent an Apartment with No Credit History](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario#how-to-rent-an-apartment-with-no-credit-history) [Newcomers to Canada: Special Considerations](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario#newcomers-to-canada-special-considerations) [Building Credit Through Rent Payments](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario#building-credit-through-rent-payments) [Tips for Improving Your Credit Before Applying](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario#tips-for-improving-your-credit-before-applying) [What to Include in Your Rental Application](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario#what-to-include-in-your-rental-application) [Frequently Asked Questions](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario#frequently-asked-questions) [What credit score do most Ontario landlords require?](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario#what-credit-score-do-most-ontario-landlords-require) [Can a landlord reject me for having no credit history?](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario#can-a-landlord-reject-me-for-having-no-credit-history) [Does a landlord credit check hurt my credit score?](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario#does-a-landlord-credit-check-hurt-my-credit-score) [How can I rent an apartment with bad credit in Ontario?](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario#how-can-i-rent-an-apartment-with-bad-credit-in-ontario) [How long does it take to build credit in Canada?](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario#how-long-does-it-take-to-build-credit-in-canada) [Can I use rent payments to build my credit score?](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario#can-i-use-rent-payments-to-build-my-credit-score) [Is the "30% rule" for rent legal in Ontario?](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario#is-the-30percent-rule-for-rent-legal-in-ontario) [Summary](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario#summary) ### **Key Points** - Most Ontario landlords prefer credit scores of 660 or higher, though competitive markets like Toronto often expect 700+ - Under Ontario's Human Rights Code, lack of credit history cannot legally count against you - landlords must consider your full application - Landlords can only request a credit check with your written consent, and you can offer your own report to avoid hard inquiries - Rent-to-income ratios like the "30% rule" are illegal in Ontario - landlords cannot reject you based solely on income thresholds - Rent reporting services let you build credit through payments you already make - no landlord involvement required # What Credit Score Do You Need to Rent an Apartment in Ontario? \[2026 Guide\] Searching for an apartment in Ontario often means facing credit checks. Many renters wonder what score landlords actually require - and what happens if your credit history is limited or non-existent. Here's the good news: Ontario has strong legal protections for renters. Under the Ontario Human Rights Code, a lack of credit history should not count against you. Landlords must consider your complete application, not just your credit score. This guide explains what credit score landlords typically look for, what they legally can and cannot do, and practical strategies for securing an apartment even without established credit. **Quick Answer:** Most Ontario landlords prefer credit scores of 660 or higher. In competitive markets like Toronto and Vancouver, scores of 700+ are often expected. However, there is no legal minimum in Ontario, and landlords cannot reject you solely for lacking credit history. Alternatives like strong references, proof of savings, or a co-signer can help secure approval. ## How Credit Scores Work in Canada Your credit score is a three-digit number between 300 and 900 that represents your creditworthiness. Two credit bureaus calculate these scores in Canada: Equifax and TransUnion. Each uses slightly different models, so your scores may vary between them. Credit scores are based on several factors from your credit report, including payment history, amounts owed, length of credit history, types of credit used, and recent credit applications. | Score Range | Rating | Rental Implications | | --- | --- | --- | | **760-900** | Excellent | Best rental options; may negotiate lease terms | | **725-759** | Very Good | Strong approval likelihood with favorable terms | | **660-724** | **Good** | Standard approval threshold for most landlords | | **560-659** | Fair | May need co-signer, extra references, or proof of savings | | **300-559** | Poor | Significant challenges; focus on alternative strategies | Source: Equifax Canada. The 660-724 range is highlighted as the typical minimum threshold for Ontario landlords. The average credit score in Canada is approximately 760, according to FICO data from late 2024. However, many renters - especially young adults and newcomers - have scores well below this average or no credit history at all. Your credit score matters for renting because landlords use it to predict whether you will pay rent reliably. A higher score suggests you have a track record of paying bills on time and managing debt responsibly. ## What Credit Score Do Ontario Landlords Require? There is no legal minimum credit score for renting in Ontario. Each landlord sets their own requirements based on the property, location, and their risk tolerance. That said, here are general benchmarks across different Ontario markets: **Toronto and the GTA:** The rental market here is highly competitive, with vacancy rates hovering around 1-2%. Property management companies typically prefer scores of 700 or higher. Some luxury buildings require 725+. Private landlords may be more flexible. **Ottawa, Hamilton, and mid-sized cities:** Landlords generally look for scores of 660-700. Competition is less intense than Toronto, creating more room for negotiation. **Smaller cities and towns:** Credit requirements tend to be more relaxed. Scores of 600-660 may be acceptable, especially with private landlords who own smaller properties. **Private landlords vs. property management:** Individual landlords who own a few units are often more flexible than large property management companies. They may place greater emphasis on references and personal impression than strict credit score thresholds. Remember that credit score is just one factor. Landlords also consider income, employment stability, rental history, and references when evaluating applications. ## What Do Landlords Look for on a Credit Check? When landlords check your credit, they see more than just a number. Here's what they typically review: **Payment history** is the most important factor. Landlords want to see that you pay bills on time. Late payments, accounts sent to collections, or charged-off debts raise red flags about your reliability as a tenant. **Outstanding debt** matters because high debt levels relative to your income may suggest you will struggle to afford rent. Landlords look at credit card balances, car loans, student loans, and other obligations. **Bankruptcies and consumer proposals** appear on credit reports for six to seven years. While not automatic disqualifiers, they prompt landlords to look more closely at your current financial situation. **Eviction-related judgments** can appear if a previous landlord obtained a court order against you for unpaid rent. This is a serious concern for prospective landlords. **Recent credit inquiries** show how often you have applied for new credit. Multiple recent applications may suggest financial stress, though landlords typically focus more on payment history than inquiries. Landlords are looking for evidence that you will pay rent on time and take care of the property. A strong payment history - even with a modest score - can work in your favor. ## Your Legal Rights Under Ontario's Human Rights Code Ontario provides significant protections for renters during the application process. Understanding these rights helps you push back against unfair treatment. **Lack of credit history cannot count against you.** Regulation 290/98 under the Ontario Human Rights Code explicitly states that "a lack of rental or credit history should not be viewed negatively." This protection is especially important for newcomers to Canada, young adults, and anyone who has not used traditional credit products. **Rent-to-income ratios are illegal.** Landlords cannot apply a blanket rule like "rent must be less than 30% of income" to reject applicants. This practice has been found discriminatory because it disproportionately affects people receiving social assistance, women, young people, and newcomers - all groups protected under the Code. **Income can only confirm ability to pay.** Landlords can ask about income, but they must also request and consider rental history, credit references, and credit checks together. They cannot use income as the sole basis for rejection. **Written consent is required for credit checks.** Landlords must obtain your permission before pulling your credit report. You have the right to know what information they are collecting and how it will be used. **Discrimination is prohibited.** Landlords cannot reject applicants based on race, ancestry, place of origin, colour, ethnic origin, citizenship, creed, sex, sexual orientation, gender identity, age, marital status, family status, disability, or receipt of public assistance. If you believe a landlord has discriminated against you, you can file a complaint with the Human Rights Tribunal of Ontario. For more information, visit the [Ontario Human Rights Commission's rental housing policy](https://www.ohrc.on.ca/en/policy-human-rights-and-rental-housing). ## Hard Inquiries vs. Soft Inquiries: Protecting Your Credit Credit checks come in two types, and the difference matters for your credit score. **Soft inquiries** do not affect your credit score. These occur when you check your own credit, when a company pre-screens you for offers, or when landlords conduct background checks through certain screening services. Soft inquiries are only visible to you on your credit report. **Hard inquiries** can temporarily lower your credit score by a few points. These occur when you formally apply for credit - including some rental applications. Hard inquiries remain on your Equifax report for three years and your TransUnion report for up to six years. Most landlords conduct soft credit checks for rental applications. However, some may request a hard pull, particularly property management companies with strict screening processes. **How to avoid hard inquiries when apartment hunting:** You can offer to provide your own credit report instead of having the landlord run one. Services like Borrowell and Credit Karma provide free credit reports that you can download and share. Checking your own credit is always a soft inquiry. If a landlord insists on running their own check, ask whether it will be a hard or soft inquiry. If they require a hard check, limit how many applications you submit to avoid multiple hits on your credit. Unlike mortgage shopping, where multiple inquiries within a short window count as one, rental application inquiries are counted separately. Each hard check from a landlord affects your score individually. ## How to Rent an Apartment with No Credit History Not having a credit history is different from having bad credit. You simply have not used credit products that report to the bureaus. Many newcomers to Canada, young adults, and people who prefer to pay cash face this situation. Ontario law protects you here. Landlords cannot reject you solely because you lack credit history. However, you may need to strengthen your application in other ways. Build Credit Without Debt ### Turn Your Rent Into Credit History Your rent is probably your biggest monthly expense - but it likely is not building your credit. Neobanc reports your rent payments to Equifax, helping you establish credit history while earning cashback on payments you are already making. [See How Rent Reporting Works →](https://www.neobanc.com/rent-reporting) **Provide proof of savings.** Bank statements showing three to six months of rent in savings demonstrate financial stability. You do not need to provide full account details - a summary showing available funds is sufficient. **Gather strong references.** Previous landlords (even from another country), employers, and professional contacts can vouch for your reliability. Written reference letters carry more weight than just contact information. **Offer a co-signer or guarantor.** A co-signer with established credit agrees to be responsible for rent if you cannot pay. This is legally binding, so choose someone you trust and who trusts you. Parents, relatives, or close friends with good credit often fill this role. **Be transparent about your situation.** Write a brief cover letter explaining why you lack credit history - whether you are new to Canada, recently graduated, or simply have not used credit cards. Landlords appreciate honesty and context. **Target private landlords.** Individual property owners tend to be more flexible than large property management companies. They can make judgment calls based on your overall application rather than rigid scoring thresholds. **Start building credit now.** Even if it does not help your current search, establishing credit will make future applications easier. More on this below. ## Newcomers to Canada: Special Considerations If you recently arrived in Canada, you are starting with no credit file - not a low score, but no score at all. Your credit history from your home country does not transfer. **Bring documentation from your home country.** Some landlords will consider international credit reports, bank statements, and landlord references. Having these documents translated and ready shows preparation and reliability. **Consider newcomer banking packages.** Major Canadian banks offer programs for newcomers that include credit cards designed for people without Canadian credit history. RBC, Scotiabank, TD, and BMO all have newcomer packages that can help you start building credit immediately. **Phone plans build credit.** Post-paid cell phone contracts (not prepaid) report to credit bureaus. Setting up a phone plan in your name and paying on time each month contributes to your credit history. **Use rent to build credit.** Services like [Neobanc](https://www.neobanc.com/) allow you to report rent payments to Equifax without needing landlord involvement. Since rent is likely your largest monthly expense, having it count toward your credit score accelerates the building process. **Timeline expectations:** With responsible credit use, you can generate your first credit score within three to six months. Building good credit (660+) typically takes 12-24 months of consistent positive behavior. ## Building Credit Through Rent Payments Traditionally, paying rent on time did nothing for your credit score. Your largest monthly expense was invisible to credit bureaus. That has changed with rent reporting services. **How rent reporting works:** You sign up with a service that reports your rent payments to Equifax (currently the only Canadian bureau accepting rent data). Each on-time payment is recorded on your credit report, contributing to your payment history, credit mix, and credit history length. **These factors represent 60% of your credit score calculation.** That makes rent reporting one of the most effective ways to build credit without taking on debt. **Reported results from rent reporting:** - Borrowell users with scores under 600 saw an average 32-point increase within seven months - FrontLobby users reported credit score increases of 36-84 points in the first six months **Key advantage:** You do not need landlord involvement with services like [Neobanc rent reporting](https://www.neobanc.com/rent-reporting). You can start building credit through rent payments immediately. **Important note:** Rent payments currently report only to Equifax, not TransUnion. Your Equifax score may differ from your TransUnion score as a result. However, many landlords and lenders check Equifax, making this coverage valuable. ## Tips for Improving Your Credit Before Applying If you have time before you need to move, taking steps to improve your credit can make apartment hunting easier. **Pay every bill on time.** Payment history is 35% of your credit score and the single most important factor. Set up automatic payments or calendar reminders to never miss a due date. **Reduce credit card balances.** Credit utilization - how much of your available credit you use - accounts for 30% of your score. Aim to keep balances below 30% of your limit. Below 10% is even better. **Do not close old accounts.** Length of credit history matters. Keeping your oldest credit card open (even if you rarely use it) helps maintain a longer average account age. **Limit new credit applications.** Each hard inquiry can temporarily lower your score. Avoid applying for new credit cards or loans in the months before apartment hunting. **Check your credit report for errors.** Mistakes happen. Review your Equifax and TransUnion reports for accounts you do not recognize, incorrect late payments, or other errors. Dispute any inaccuracies directly with the bureau. **Consider a secured credit card.** If you have no credit or poor credit, a secured card requires a cash deposit as collateral. Use it for small purchases and pay in full each month to build positive history. | Timeframe | Milestone | What Helps | | --- | --- | --- | | **0-3 months** | No score yet (building history) | Open credit card; set up phone plan; start rent reporting | | **3-6 months** | First credit score generated | Pay all bills on time; keep balances low | | **6-12 months** | Fair credit range (560-659) | Maintain consistent payments; avoid new credit applications | | **12-24 months** | **Good credit range (660+)** | Keep oldest accounts open; diversify credit mix | | **2-3+ years** | Very good to excellent (725+) | Continue responsible use; monitor reports for errors | Timeline assumes consistent on-time payments and responsible credit utilization. Results vary based on individual circumstances. ## What to Include in Your Rental Application A complete, well-organized application demonstrates responsibility and makes the landlord's decision easier. **Standard documents to prepare:** - Government-issued photo ID - Proof of income (recent pay stubs, employment letter, or tax returns) - Bank statements showing savings (you can redact transaction details) - References from previous landlords, employers, or professional contacts - Your own credit report (free from Borrowell, Credit Karma, or directly from Equifax) **Optional but helpful:** - Brief cover letter introducing yourself - Proof of rental insurance (or willingness to obtain it) - Letters of reference addressing your character and reliability **For newcomers:** - Immigration documents showing your status - International credit report or bank statements - References from landlords or employers in your home country - Proof of funds or settlement funds Having all documents ready before viewings gives you an advantage in competitive markets. When a landlord receives multiple applications, completeness and professionalism stand out. For a complete walkthrough of the application process, see our [guide to Ontario Rental Application Form 410](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea). Start Building Credit Today ### Make Every Rent Payment Count Join 2,400+ Canadian renters who are building credit and earning cashback through Neobanc. No landlord involvement required. Report payments to Equifax automatically. [Get Started Free →](https://www.neobanc.com/) ## Frequently Asked Questions ### What credit score do most Ontario landlords require? Most landlords prefer scores of 660 or higher. In competitive markets like Toronto, scores of 700+ are often expected by property management companies. Private landlords tend to be more flexible, sometimes accepting scores in the 600-660 range with strong references and proof of income. ### Can a landlord reject me for having no credit history? No. Under Ontario's Human Rights Code, a lack of credit history should not count against you. Landlords must consider your complete application, including rental history, references, and income verification. If you believe you were rejected solely for lacking credit history, you may file a complaint with the Human Rights Tribunal of Ontario. ### Does a landlord credit check hurt my credit score? It depends on the type of check. Most landlords perform soft inquiries, which do not affect your score. However, some may conduct hard inquiries, which can temporarily lower your score by a few points. You can ask landlords whether their check is hard or soft, and offer to provide your own credit report to avoid a hard pull. ### How can I rent an apartment with bad credit in Ontario? Options include finding a co-signer with good credit, providing proof of substantial savings, offering strong landlord and employment references, targeting private landlords who may be more flexible, and being transparent about your situation. Starting rent reporting can also help improve your credit for future applications. ### How long does it take to build credit in Canada? You can generate your first credit score within three to six months of opening a credit account. Building good credit (660+) typically takes 12-24 months of responsible credit use. Consistent on-time payments, low credit utilization, and avoiding new credit applications accelerate the process. ### Can I use rent payments to build my credit score? Yes. Rent reporting services like Neobanc report your monthly rent payments to Equifax, contributing to your payment history, credit mix, and credit history length. These factors represent 60% of your credit score calculation. You do not need landlord involvement with most services. ### Is the "30% rule" for rent legal in Ontario? No. Applying rent-to-income ratios as a blanket rule to reject applicants is illegal under Ontario's Human Rights Code. Landlords can consider income, but only to confirm you have enough to pay rent - not as an automatic disqualifier. This protection exists because income ratios disproportionately affect groups protected under the Code. ## Summary Credit scores matter when renting in Ontario, but they are not everything. Most landlords look for scores of 660 or higher, with competitive markets like Toronto often expecting 700+. However, Ontario's Human Rights Code provides important protections - landlords cannot reject you solely for lacking credit history, and rent-to-income ratios are illegal. If your credit is limited or non-existent, focus on strengthening other parts of your application: proof of savings, strong references, transparent communication, and potentially a co-signer. Targeting private landlords often yields more flexibility than large property management companies. For the long term, building credit through rent reporting turns your largest monthly expense into a credit-building opportunity. Services like Neobanc report payments to Equifax without requiring landlord involvement, helping you establish the credit history that makes future applications easier. **Make your rent payments count.** Your monthly rent is likely your biggest expense - but it probably is not building your credit. Neobanc reports your rent payments to Equifax, helping you build credit history while earning cashback on payments you are already making. 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[Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) [Complaints](https://www.neobanc.com/legal/complaints) Chat Widget ## First-Time Renters Guide [![Arrow ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b0_Button%20Arrow.svg)](https://www.neobanc.com/articles/first-time-renting-ontario-guide#nav) ![UV Ray](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1243a_UV%20Ray.webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241b_Box%20(3).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12421_Box%20(5).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241a_Box%20(2).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241e_Box%20(4).webp) ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1237a_Icon.svg) January 13, 2026 # First-Time Renting in Ontario: Complete Beginner's Guide \[2026\] ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png) Neobanc ### Table of Contents [How to Find a Rental in Ontario](https://www.neobanc.com/articles/first-time-renting-ontario-guide#how-to-find-a-rental-in-ontario) [Documents You'll Need to Rent in Ontario](https://www.neobanc.com/articles/first-time-renting-ontario-guide#documents-youll-need-to-rent-in-ontario) [How Much Money Do You Need to Rent in Ontario?](https://www.neobanc.com/articles/first-time-renting-ontario-guide#how-much-money-do-you-need-to-rent-in-ontario) [Upfront Costs](https://www.neobanc.com/articles/first-time-renting-ontario-guide#upfront-costs) [Average Rent in Ontario (2026)](https://www.neobanc.com/articles/first-time-renting-ontario-guide#average-rent-in-ontario-2026) [Monthly Ongoing Costs](https://www.neobanc.com/articles/first-time-renting-ontario-guide#monthly-ongoing-costs) [Understanding the Ontario Standard Lease](https://www.neobanc.com/articles/first-time-renting-ontario-guide#understanding-the-ontario-standard-lease) [Why the Standard Lease Matters](https://www.neobanc.com/articles/first-time-renting-ontario-guide#why-the-standard-lease-matters) [Your Rights Under the Standard Lease](https://www.neobanc.com/articles/first-time-renting-ontario-guide#your-rights-under-the-standard-lease) [What to Check Before Signing](https://www.neobanc.com/articles/first-time-renting-ontario-guide#what-to-check-before-signing) [Tenant Insurance: Do You Need It?](https://www.neobanc.com/articles/first-time-renting-ontario-guide#tenant-insurance-do-you-need-it) [What Tenant Insurance Covers](https://www.neobanc.com/articles/first-time-renting-ontario-guide#what-tenant-insurance-covers) [What Tenant Insurance Costs](https://www.neobanc.com/articles/first-time-renting-ontario-guide#what-tenant-insurance-costs) [Avoiding Rental Scams in Ontario](https://www.neobanc.com/articles/first-time-renting-ontario-guide#avoiding-rental-scams-in-ontario) [Red Flags to Watch For](https://www.neobanc.com/articles/first-time-renting-ontario-guide#red-flags-to-watch-for) [How to Protect Yourself](https://www.neobanc.com/articles/first-time-renting-ontario-guide#how-to-protect-yourself) [Your Rights as a Tenant in Ontario](https://www.neobanc.com/articles/first-time-renting-ontario-guide#your-rights-as-a-tenant-in-ontario) [Security of Tenure](https://www.neobanc.com/articles/first-time-renting-ontario-guide#security-of-tenure) [Rent Increases](https://www.neobanc.com/articles/first-time-renting-ontario-guide#rent-increases) [Maintenance and Repairs](https://www.neobanc.com/articles/first-time-renting-ontario-guide#maintenance-and-repairs) [Entry and Privacy](https://www.neobanc.com/articles/first-time-renting-ontario-guide#entry-and-privacy) [Setting Up Utilities and Services](https://www.neobanc.com/articles/first-time-renting-ontario-guide#setting-up-utilities-and-services) [Electricity (Hydro)](https://www.neobanc.com/articles/first-time-renting-ontario-guide#electricity-hydro) [Natural Gas](https://www.neobanc.com/articles/first-time-renting-ontario-guide#natural-gas) [Internet](https://www.neobanc.com/articles/first-time-renting-ontario-guide#internet) [Tenant Insurance](https://www.neobanc.com/articles/first-time-renting-ontario-guide#tenant-insurance) [First Apartment Checklist](https://www.neobanc.com/articles/first-time-renting-ontario-guide#first-apartment-checklist) [Building Credit as a First-Time Renter](https://www.neobanc.com/articles/first-time-renting-ontario-guide#building-credit-as-a-first-time-renter) ### Key Points - Ontario landlords must use the Standard Lease form for all residential tenancies - request it within 21 days if not provided, or withhold one month's rent - First and last month's rent is legal, but damage deposits, pet deposits, and security deposits are illegal in Ontario - Budget for rent plus utilities ($150-$350/month for hydro, gas, internet) and tenant insurance ($15-$30/month) - Bring government ID, proof of income, bank statements, references, and a credit report to rental viewings - SIN number is optional - Never pay any money before viewing a unit in person and signing the Ontario Standard Lease - rental scams are common # First-Time Renting in Ontario: Complete Beginner's Guide \[2026\] Renting your first apartment in Ontario can feel overwhelming. Between competitive markets, stacks of paperwork, and new legal terms, the process intimidates many first-time renters. This guide walks you through everything you need to know - from what documents to prepare and how much money you'll need upfront, to understanding your rights and avoiding common scams. Whether you're a student, young professional, or newcomer to Canada, this complete beginner's guide helps you navigate Ontario's rental market with confidence. **Quick Answer:** To rent in Ontario, you need government ID, proof of income, references, and typically first and last month's rent as a deposit. Landlords must use Ontario's Standard Lease form. Damage deposits are illegal. Budget for rent plus $150-$350/month for utilities and $15-$30/month for tenant insurance. ## How to Find a Rental in Ontario Before diving into applications, you need to find available rentals. Most Ontario renters use a combination of online platforms and traditional methods. **Popular rental listing sites include:** - Realtor.ca - Rentals.ca - liv.rent - Zumper and PadMapper - Facebook Marketplace - Kijiji (use caution - higher scam risk) When browsing listings, focus on properties within your budget. The general guideline suggests spending no more than 30-35% of your gross monthly income on rent. In Ontario's competitive markets like Toronto and Ottawa, many renters spend closer to 40% - but this leaves less room for other expenses. Consider these factors when evaluating listings: - Proximity to work, transit, and amenities - Whether utilities are included in rent - Building age and condition - Parking availability - Laundry (in-unit, on-site, or off-site) - Pet policies if applicable Once you find promising listings, schedule viewings. Always see a unit in person before committing - this protects you from scams and helps you assess the actual condition. ## Documents You'll Need to Rent in Ontario Landlords in Ontario's competitive rental market often request extensive documentation. Having everything prepared before your first viewing gives you a significant advantage. **Essential documents include:** **Government-issued photo ID:** Your driver's license, passport, or permanent resident card. Landlords use this to verify your identity. **Proof of income:** Most landlords request 2-3 recent pay stubs showing consistent income. Alternatively, an employment verification letter from your employer confirming your position, salary, and employment duration works well. **Bank statements:** Recent statements (1-3 months) demonstrating financial stability and your ability to cover rent payments. **Credit report:** Many landlords run credit checks with your consent. Consider obtaining your own credit report beforehand from Equifax or TransUnion - this allows you to address any issues proactively. For tips on credit requirements, see our guide on [what credit score you need to rent in Ontario](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario). **References:** Prepare contact information for 2-3 references. Previous landlords are most valuable, but professional references or personal references work if this is your first rental. **Important:** Your Social Insurance Number (SIN) is optional. Landlords can conduct credit checks using just your name, address, and date of birth. You can decline to provide your SIN without penalty. For a detailed walkthrough of the application itself, see our [complete guide to Ontario Rental Application Form 410](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea). ## How Much Money Do You Need to Rent in Ontario? First-time renters often underestimate the upfront costs and ongoing expenses. Here's a realistic breakdown for 2026. ### Upfront Costs **First and last month's rent:** Ontario landlords can legally request both first and last month's rent before you move in. The first month covers your initial rent payment, while the last month's rent is held as a deposit for your final month. For example, if rent is $2,000/month, you'll need $4,000 before moving in. **Key deposit:** Landlords can request a refundable deposit for keys, fobs, or access cards. This deposit cannot exceed the actual replacement cost and must be fully refunded when you return the keys. **What landlords cannot charge:** - Damage deposits - illegal in Ontario - Pet deposits - illegal in Ontario - Security deposits - illegal in Ontario - Application fees - illegal in Ontario If any landlord requests these deposits, they're violating Ontario law. You can report illegal deposits to the Landlord and Tenant Board. | Fee Type | Legal? | Notes | | --- | --- | --- | | First month's rent | ✓ Yes | Due before or at move-in | | Last month's rent deposit | ✓ Yes | Maximum one month's rent; landlord must pay annual interest | | Key deposit | ✓ Yes | Refundable; cannot exceed actual replacement cost | | Damage deposit | ✗ No | Illegal in Ontario | | Security deposit | ✗ No | Illegal in Ontario | | Pet deposit | ✗ No | Illegal in Ontario | | Application fee | ✗ No | Illegal in Ontario | | Credit check fee | ✗ No | Illegal in Ontario | Source: Ontario Residential Tenancies Act, ACTO Tip Sheets, CLEO. ### Average Rent in Ontario (2026) | City | 1-Bedroom | 2-Bedroom | | --- | --- | --- | | Downtown Toronto | $2,400 - $2,650 | $3,200 - $3,500 | | North York / Scarborough | $2,000 - $2,300 | $2,500 - $2,900 | | Mississauga / Brampton | $1,900 - $2,200 | $2,300 - $2,700 | | Ottawa | $1,800 - $2,100 | $2,200 - $2,600 | | Hamilton | $1,700 - $2,000 | $2,100 - $2,400 | | London | $1,500 - $1,800 | $1,800 - $2,200 | | Windsor / Kingston | $1,400 - $1,700 | $1,700 - $2,000 | Source: Rentals.ca, liv.rent, Zumper data (late 2025). Actual prices vary by neighbourhood, building age, and amenities. Rent prices vary significantly by location. Expect lower prices in smaller cities and higher prices in downtown Toronto and Ottawa. ### Monthly Ongoing Costs Beyond rent, budget for these recurring expenses: **Utilities:** If not included in rent, expect: - Electricity (hydro): $50-$150/month depending on usage and unit size - Natural gas (heating): $20-$50/month (often included in condo rent) - Water: Usually included in apartment rent - Internet: $60-$120/month depending on speed **Tenant insurance:** $15-$30/month (often required by landlords) **Other expenses:** Groceries, transportation, phone, and personal costs vary by lifestyle For a typical Toronto one-bedroom renter paying $2,400/month in rent: - Rent: $2,400 - Utilities (if separate): $100-$200 - Tenant insurance: $25 - Internet: $80 - **Total housing costs:** approximately $2,600-$2,700/month ## Understanding the Ontario Standard Lease Since April 30, 2018, most residential landlords in Ontario must use the government's Standard Lease form. This standardized agreement protects both landlords and tenants by clearly outlining rights and responsibilities. ### Why the Standard Lease Matters The Standard Lease uses plain language to explain your rights. It prevents landlords from including illegal clauses - even if you sign something illegal, it's unenforceable. The lease covers: - Parties to the agreement (landlord and tenant names) - Rental unit description and address - Lease term and start date - Rent amount and payment details - Included services and utilities - Rules about deposits - Maintenance responsibilities ### Your Rights Under the Standard Lease **If your landlord doesn't provide the Standard Lease:** 1. Request it in writing 2. If not provided within 21 days, you can withhold one month's rent 3. If still not provided 30 days after withholding, you keep that month's rent **Key protections:** - "No pets" clauses are unenforceable (except in condos where bylaws prohibit pets) - Landlord cannot restrict guests or occupants unreasonably - Additional terms cannot override your legal rights - Landlord must provide a signed copy within 21 days of signing ### What to Check Before Signing Before signing any lease: - Verify the rent amount matches what you agreed to verbally - Confirm which utilities are included - Check the lease term (one year is standard, then converts to month-to-month) - Review any additional terms attached to the lease - Ensure the landlord's legal name and contact information appear - Take photos of the unit's condition before move-in Download the Standard Lease from the [Government of Ontario's forms repository](https://forms.mgcs.gov.on.ca/en/dataset/047-2229). ## Tenant Insurance: Do You Need It? Tenant insurance (also called renter's insurance) protects your personal belongings and provides liability coverage. While not legally required in Ontario, many landlords mandate it in their lease agreements. ### What Tenant Insurance Covers **Personal property coverage:** Protects your belongings against theft, fire, water damage, and other covered events. If someone breaks into your apartment and steals your electronics, tenant insurance covers replacement costs. **Liability coverage:** Protects you if someone gets injured in your rental unit or if you accidentally damage someone else's property. Most policies include $1-2 million in liability coverage. **Additional living expenses:** If your unit becomes uninhabitable due to a covered event (like a fire), this coverage pays for temporary accommodation and related costs. ### What Tenant Insurance Costs | City | Monthly Cost | Annual Cost | | --- | --- | --- | | Toronto | $25 - $35 | $300 - $420 | | Ottawa | $20 - $30 | $240 - $360 | | Hamilton | $18 - $28 | $216 - $336 | | London | $15 - $25 | $180 - $300 | | Ontario Average | $15 - $30 | $180 - $360 | Source: BrokerLink, MyChoice, KBD Insurance (2025). Actual premiums vary by coverage amount, deductible, and building type. The average tenant insurance in Ontario costs $15-$30/month ($180-$360/year). Factors affecting your premium include: - Location (urban areas typically cost more) - Value of your belongings - Building type and security features - Deductible amount you choose - Claims history **Tip:** Bundle tenant insurance with auto insurance for significant savings. Many providers offer discounts of 10-20% for bundling. ## Avoiding Rental Scams in Ontario Toronto Police received over 380 reports of rental scams in 2024 alone. First-time renters and newcomers are common targets because they're unfamiliar with local practices. ### Red Flags to Watch For **Rent significantly below market rate:** If a downtown Toronto one-bedroom lists for $1,200 when comparable units cost $2,400, it's likely a scam. **No in-person viewing available:** Scammers claim to be "out of the country" or otherwise unavailable. Legitimate landlords want to meet potential tenants. **Requests for unusual payment methods:** Wire transfers, gift cards, cryptocurrency, or cash-only demands signal fraud. Legitimate landlords accept cheques or e-transfers. **Pressure to pay before viewing:** Never pay any deposit before seeing the unit in person and signing a lease. **Missing or vague landlord information:** The lease should include the landlord's legal name, address, and phone number - not just a P.O. box or the rental unit's address. **Requesting too much personal information upfront:** Landlords don't need your SIN, banking passwords, or credit card numbers during initial inquiries. ### How to Protect Yourself 1. **Always view in person** before paying anything 2. **Verify ownership** through property tax records or title searches 3. **Reverse image search** listing photos to check if they appear elsewhere online 4. **Meet the landlord** or their authorized representative face-to-face 5. **Use the Standard Lease** \- insist on it 6. **Get receipts** for any payments made 7. **Trust your instincts** \- if something feels wrong, walk away If you suspect a scam, report it to the Canadian Anti-Fraud Centre at 1-888-495-8501 or your local police. ## Your Rights as a Tenant in Ontario Ontario's Residential Tenancies Act (RTA) provides strong protections for tenants. Understanding your rights helps you navigate any issues that arise. ### Security of Tenure Once you sign a lease in Ontario, you have the right to stay in your rental unit as long as you follow the lease terms and pay rent. Your landlord cannot evict you simply because your lease term ended - your tenancy automatically continues on a month-to-month basis. Landlords can only evict tenants for specific reasons outlined in the RTA, such as: - Non-payment of rent - Illegal activity - Damage to the unit - Landlord or purchaser requires the unit for personal use (with proper notice and compensation) ### Rent Increases Landlords can only increase rent once every 12 months with 90 days' written notice. For 2026, the Ontario rent increase guideline is set at a maximum percentage announced by the government (expected to be similar to recent years at 2.5-3.5%). Units built and first occupied after November 15, 2018, are exempt from rent control - landlords can increase rent by any amount with proper notice. For detailed information on rent increases, see our guide on [Ontario rent increases for 2026](https://www.neobanc.com/articles/ontario-rent-increase-2026). ### Maintenance and Repairs Your landlord must maintain the rental unit and building in a good state of repair. This includes: - Heating, plumbing, and electrical systems - Common areas like hallways and laundry rooms - Appliances included in your lease - General structural integrity If repairs are needed, submit your request in writing and keep a copy. If your landlord fails to complete necessary repairs, you can file an application with the Landlord and Tenant Board. ### Entry and Privacy Your landlord cannot enter your unit without proper notice except in emergencies. Written notice of at least 24 hours is required for: - Repairs or maintenance - Showing the unit to prospective tenants (only with valid termination notice) - Inspections Your landlord can only enter between 8 a.m. and 8 p.m. unless you agree otherwise. For a comprehensive overview, see our [complete guide to tenant rights in Ontario](https://www.neobanc.com/articles/tenant-rights-ontario). ## Setting Up Utilities and Services Once your lease is signed, set up utilities before move-in day to ensure everything works when you arrive. ### Electricity (Hydro) Contact your local electricity provider to open an account: - **Toronto:** Toronto Hydro - **GTA suburbs:** Alectra Utilities - **Ottawa:** Hydro Ottawa Ask whether your building uses individual meters or a submetering company like Provident or Carma. ### Natural Gas If your unit uses natural gas for heating or appliances: - **Most of Ontario:** Enbridge Gas Many condo buildings include gas in maintenance fees, so confirm with your landlord before setting up a separate account. ### Internet Research internet providers serving your address. Major providers include: - Bell - Rogers - Start.ca - TekSavvy Compare plans carefully - prices range from $60-$120/month depending on speed. Look for new customer promotions. ### Tenant Insurance Obtain tenant insurance before your move-in date. Many landlords require proof of insurance before providing keys. Shop around for quotes from: - Insurance brokers - Direct providers like Intact, Desjardins, or TD Insurance - Online providers like Square One or Duuo First-Time Renter? ### Start Building Credit With Your Rent Your rent is your biggest monthly expense - make it count. Neobanc reports your on-time payments to credit bureaus, helping you build the credit history you need for future goals. [Learn About Rent Reporting →](https://www.neobanc.com/rent-reporting) ## First Apartment Checklist Use this checklist to prepare for move-in day: **Before You Move:** - Sign Ontario Standard Lease - Pay first and last month's rent - Set up electricity account - Arrange internet installation - Purchase tenant insurance - Arrange moving help or truck rental - Notify Canada Post of address change - Update address with bank, employer, and government services **Move-In Day:** - Document unit condition with photos and videos - Complete move-in inspection with landlord - Test all appliances and fixtures - Note any existing damage in writing - Collect all keys and access devices - Confirm landlord's contact information **After Moving In:** - Change locks if permitted (return original at move-out) - Learn building emergency procedures - Locate circuit breaker and water shut-off - Introduce yourself to building superintendent ## Building Credit as a First-Time Renter If you're a first-time renter with limited credit history, your rent payments represent an opportunity. Traditionally, rent payments don't appear on credit reports - but rent reporting services can change that. Rent reporting allows your on-time rent payments to be reported to credit bureaus like Equifax, helping you build credit history with money you're already spending. This is especially valuable for: - First-time renters with no credit history - Newcomers to Canada rebuilding credit - Anyone looking to improve their credit score To learn more about how rent payments can build your credit, visit [Neobanc's rent reporting page](https://www.neobanc.com/rent-reporting). Ready to Rent Smarter? ### Make Every Rent Payment Work for You Join 2,400+ Canadian renters who earn cashback and build credit with payments they're already making. No landlord involvement required. 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[Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) [Complaints](https://www.neobanc.com/legal/complaints) Chat Widget ## Ontario Moving Guide [![Arrow ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b0_Button%20Arrow.svg)](https://www.neobanc.com/articles/moving-checklist-ontario#nav) ![UV Ray](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1243a_UV%20Ray.webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241b_Box%20(3).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12421_Box%20(5).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241a_Box%20(2).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241e_Box%20(4).webp) ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1237a_Icon.svg) January 13, 2026 # Moving Checklist Ontario: Everything Before, During & After Your Move ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png) Neobanc ### Table of Contents [8 Weeks Before Your Move](https://www.neobanc.com/articles/moving-checklist-ontario#8-weeks-before-your-move) [4-6 Weeks Before Your Move](https://www.neobanc.com/articles/moving-checklist-ontario#4-6-weeks-before-your-move) [Get Your New Place Ready](https://www.neobanc.com/articles/moving-checklist-ontario#get-your-new-place-ready) [Start Organizing](https://www.neobanc.com/articles/moving-checklist-ontario#start-organizing) [2-3 Weeks Before Your Move](https://www.neobanc.com/articles/moving-checklist-ontario#2-3-weeks-before-your-move) [Set Up Utilities and Services](https://www.neobanc.com/articles/moving-checklist-ontario#set-up-utilities-and-services) [Update Your Address](https://www.neobanc.com/articles/moving-checklist-ontario#update-your-address) [1 Week Before Your Move](https://www.neobanc.com/articles/moving-checklist-ontario#1-week-before-your-move) [Final Preparations](https://www.neobanc.com/articles/moving-checklist-ontario#final-preparations) [Prepare Your Current Unit](https://www.neobanc.com/articles/moving-checklist-ontario#prepare-your-current-unit) [Moving Day Checklist](https://www.neobanc.com/articles/moving-checklist-ontario#moving-day-checklist) [At Your Old Place](https://www.neobanc.com/articles/moving-checklist-ontario#at-your-old-place) [At Your New Place](https://www.neobanc.com/articles/moving-checklist-ontario#at-your-new-place) [First Week After Your Move](https://www.neobanc.com/articles/moving-checklist-ontario#first-week-after-your-move) [Government Address Updates (Required by Law)](https://www.neobanc.com/articles/moving-checklist-ontario#government-address-updates-required-by-law) [Other Important Updates](https://www.neobanc.com/articles/moving-checklist-ontario#other-important-updates) [Move-Out Cleaning Checklist](https://www.neobanc.com/articles/moving-checklist-ontario#move-out-cleaning-checklist) [Ontario-Specific Moving Rules Renters Should Know](https://www.neobanc.com/articles/moving-checklist-ontario#ontario-specific-moving-rules-renters-should-know) [Make Your First Rent Payment Count](https://www.neobanc.com/articles/moving-checklist-ontario#make-your-first-rent-payment-count) ### Key Points Ontario tenants must give landlords at least 60 days written notice using Form N9 before moving out—the termination date must be the last day of your rental period By law, you must update your driver's licence and vehicle permit within 6 days of moving and your health card within 30 days Set up tenant insurance before your move-in date—your landlord's policy doesn't cover your belongings Do a move-in inspection on day one and document everything with photos to protect yourself when you eventually move out Forward your mail through Canada Post and update your address with CRA, banks, and subscription services to avoid missing important documents ‍ # Moving Checklist Ontario: Everything Before, During & After Your Move Moving is stressful enough without forgetting something important. Miss a deadline to notify your landlord and you could owe an extra month's rent. Forget to update your driver's licence and you're looking at an $85 fine. Leave your old place without documenting its condition and you might lose your deposit. Ontario has specific rules renters need to follow when moving. You must give 60 days written notice - not 30 days like some other provinces. You have just 6 days to update your driver's licence after moving. And certain forms are legally required to end your tenancy properly. This checklist covers everything Ontario renters need from 8 weeks before your move through your first week in your new place. Follow it step by step and nothing falls through the cracks. **Quick Answer:** Moving in Ontario requires at least 60 days written notice to your landlord using Form N9. You must update your driver's licence within 6 days and health card within 30 days of moving. Key tasks include setting up utilities, getting tenant insurance, forwarding mail, and doing a thorough move-in inspection with photos. This checklist covers everything renters need before, during, and after their move. ## 8 Weeks Before Your Move The countdown starts now. Eight weeks out is when you need to give your landlord official notice—Ontario requires 60 days, and the timing has to be exact. **Give your landlord written notice using Form N9.** This is the official Tenant's Notice to End the Tenancy form required in Ontario. You can download it free from the [Landlord and Tenant Board website](https://tribunalsontario.ca/ltb/forms/). Fill it out completely, keep a copy for yourself, and deliver it to your landlord. **Get your termination date right.** Your termination date must be the last day of a rental period. If you pay rent on the first of each month, your termination date must be the last day of a month. Want to move out September 30? You need to give notice by August 1 at the latest. Give notice on August 2 and you're stuck until October 31. **Review your current lease.** Check for any specific move-out requirements. Some leases require professional carpet cleaning or specify how to handle minor repairs. Knowing this now gives you time to plan. **Start researching moving options.** Get quotes from at least three moving companies, or price out truck rentals if you're doing it yourself. Weekend and end-of-month dates book up fast—the earlier you reserve, the better your options. **Create a moving budget.** Factor in moving company or truck rental costs, packing supplies, new apartment deposits, first and last month's rent at your new place, utility setup fees, and any cleaning costs. Having a clear budget prevents surprises. ## 4-6 Weeks Before Your Move With notice given, it's time to prepare both your new place and your current one. ### Get Your New Place Ready **Sign your new lease.** Review it carefully before signing. Make sure move-in date, rent amount, and any included utilities match what you agreed on. If you need help understanding the standard Ontario lease, check out our [rental application guide](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide). **Confirm your move-in date.** Coordinate with your new landlord to confirm exactly when you can access the unit. Ideally, you want a day or two of overlap between your old and new places to avoid rushing. **Get tenant insurance.** Many Ontario landlords require proof of tenant insurance before you move in. Even if yours doesn't, get it anyway. Your landlord's insurance does not cover your belongings—if there's a fire or flood, you're on your own without tenant coverage. Policies typically cost $15-$40 per month. **Request time off work.** Moving day is exhausting. If possible, take the day off plus one additional day to unpack and settle in. ### Start Organizing **Declutter ruthlessly.** Moving is the perfect excuse to get rid of things you don't need. Donate, sell, or dispose of items you haven't used in the past year. Less stuff means lower moving costs and less to unpack. **Collect packing supplies.** Start gathering boxes, tape, bubble wrap, and markers. Check local Facebook groups, Kijiji, or liquor stores for free boxes. Buy more tape than you think you need—you'll use it. **Begin packing non-essentials.** Start with items you won't need before the move: seasonal clothing, decorations, books, rarely-used kitchen items. Label every box with its contents and destination room. **Create an inventory of valuables.** Document expensive items with photos and receipts for insurance purposes. This protects you if anything gets lost or damaged during the move. ## 2-3 Weeks Before Your Move Now it's time to handle utilities, services, and address changes. Do this early—some services need lead time to schedule installation or transfers. ### Set Up Utilities and Services **Electricity.** Contact your local provider (Toronto Hydro, Hydro One, Alectra, etc.) to set up service at your new address starting on your move-in date. Cancel or transfer service at your old address for the day after you leave. **Gas.** If your new place uses natural gas, contact Enbridge to open an account. Have your new address and move-in date ready. **Water.** Check whether water is included in your rent. If not, contact your municipality to set up an account. **Internet.** This is the one to book early. Installation appointments fill up quickly, especially at month-end when everyone else is moving too. Compare providers, pick your plan, and book installation as close to your move-in date as possible. **Cancel services at your old address.** Schedule disconnection for the day after you move out. Take final meter readings and photos on your last day. ### Update Your Address **Set up mail forwarding.** Canada Post offers mail forwarding for 4 or 12 months. Set this up at least a week before your move to ensure nothing gets lost. You can do it online at canadapost.ca. **Notify financial institutions.** Update your address with your bank, credit cards, and any investment accounts. This ensures statements and important notices reach you. **Update employer records.** Tell your HR department or payroll so tax documents go to the right place. **Update subscriptions.** Go through your subscriptions—streaming services, magazines, online shopping accounts—and update delivery addresses. | Document/Service | Deadline | How to Update | Cost | | --- | --- | --- | --- | | Driver's Licence | 6 days | Online or ServiceOntario | Free | | Vehicle Permit | 6 days | Online or ServiceOntario | Free | | Health Card (OHIP) | 30 days | Online or ServiceOntario | Free | | Voter Registration | No deadline | Online via Elections Ontario | Free | | Canada Revenue Agency | Before tax season | Online via CRA My Account | Free | | Canada Post Forwarding | 1 week before move | Online at canadapost.ca | $24-$109/year | ## 1 Week Before Your Move The final stretch. This week is about finishing packing, confirming logistics, and preparing both units for the handoff. ### Final Preparations **Confirm your moving company or truck rental.** Call to verify the date, time, and any access instructions they need. Confirm the total cost and payment method. **Finish packing room by room.** Pack one room completely before moving to the next. Label boxes on multiple sides so you can read them no matter how they're stacked. **Pack an essentials bag.** This goes with you personally—not in the moving truck. Include toiletries and medications, phone charger and laptop, a change of clothes, important documents (lease, ID, insurance papers), snacks and water, basic cleaning supplies, and toilet paper (trust us on this one). **Empty and defrost your refrigerator.** If you're taking your fridge, empty it at least 24 hours before the move. Clean it out and leave the door slightly open to prevent mold. **Take photos of electronics.** Before unplugging your TV, router, gaming console, or stereo, take photos of how the cables connect. This makes setup at your new place much faster. ### Prepare Your Current Unit **Start deep cleaning.** Don't leave this until the last day. Clean as you pack—once a room is empty, give it a thorough cleaning. **Patch small holes.** Fill nail holes with spackle and touch up if you have matching paint. This is a normal part of wear and tear, but leaving walls looking good helps. **Take condition photos.** Document the state of your unit before you leave. Take photos and videos of every room, including closets and appliances. These protect you if there's any dispute about the condition you left it in. **Gather everything to return.** Collect all keys, fobs, mailbox keys, parking passes, and garage remotes. Make a list so nothing gets forgotten. ## Moving Day Checklist The big day. Stay organized and you'll get through it smoothly. ### At Your Old Place **Do a final walkthrough.** Check every room, closet, drawer, and storage area. Look behind doors and inside cabinets. Check the balcony, parking spot, and storage locker. **Read utility meters.** Take photos of your electricity and gas meters showing final readings. This protects you from being billed for the next tenant's usage. **Take final condition photos.** One more round of photos showing the clean, empty unit. Include timestamps. **Lock up completely.** Close and lock all windows and doors. If you have a sliding door, make sure the security bar is in place. **Return keys.** Give all keys to your landlord. If possible, get a written receipt confirming you returned them and the date. If your landlord isn't available, follow their instructions for key return and document it. ### At Your New Place **Do your move-in inspection immediately.** Before the movers start unloading, walk through the entire unit and document its condition. This is critical for protecting yourself when you eventually move out. **Take photos and video of everything.** Document every room from multiple angles. Get close-ups of any existing damage—scuffs, stains, scratches, dents, holes. Make sure photos are dated. **Test everything.** Check that all appliances work—run the dishwasher, test the stove burners, make sure the fridge is cooling. Turn on every light switch. Run water in all sinks, tubs, and showers. Flush all toilets. Test door locks. **Check safety equipment.** Press the test button on smoke detectors and carbon monoxide detectors. If they don't work, notify your landlord immediately in writing. **Report any issues in writing.** If you find damage or problems, email or text your landlord that same day with photos attached. This creates a record that the issues existed before you moved in. | Area | What to Check | Notes | | --- | --- | --- | | Kitchen | Appliances, cabinets, countertops, sink, faucet | Run dishwasher, test all burners, check fridge temp | | Bathroom | Toilet, tub/shower, sink, tiles, exhaust fan | Check for mold, test water pressure and drainage | | Living Areas | Walls, floors, windows, doors, outlets | Test all light switches and electrical outlets | | Bedrooms | Closets, windows, doors, walls, flooring | Check closet doors slide/open properly, test locks | | Safety | Smoke detectors, CO detectors, door locks | Press test button on all alarms | | HVAC & Utilities | Heating, cooling, water heater, laundry | Note model/serial numbers, test thermostat | | Windows & Doors | Locks, seals, screens, blinds | Open/close all windows, check for drafts | | Storage | Locker, parking spot, balcony | Confirm access, check for cleanliness | ## First Week After Your Move You're in. Now handle the administrative tasks that have legal deadlines. ### Government Address Updates (Required by Law) Ontario law requires you to update certain documents within specific timeframes. Miss these deadlines and you could face fines. **Driver's licence and vehicle permit: 6 days.** This is a legal requirement. Failing to update within 6 days can result in a fine up to $85. You can update both online through [ServiceOntario](https://www.ontario.ca/page/change-address-drivers-licence-vehicle-permit-and-health-card) or visit a ServiceOntario centre in person. It's free. Your new licence arrives by mail in 4-6 weeks. **Health card: 30 days.** You must update your health card address within 30 days to keep your OHIP coverage current and receive renewal notices. You can do this online, by mail, or in person at ServiceOntario. If your health card has an address printed on it, you must update in person. **Pro tip:** You can update your driver's licence, vehicle permit, and health card all at once through ServiceOntario's online address change service. ### Other Important Updates **Canada Revenue Agency.** Update your address with CRA through My Account online. This ensures tax refunds, benefit payments, and notices reach you. **Elections Ontario.** Update your voter registration so you can vote in your new riding during provincial elections. **Healthcare providers.** Notify your doctor, dentist, pharmacy, and any specialists of your new address. **Vehicle insurance.** Your address affects your auto insurance rates. Contact your insurer to update your policy—rates may change based on your new location. ### New Apartment? Start Building Credit From Day One. Your rent payments don't automatically build credit in Canada. Neobanc changes that—report your rent to credit bureaus and earn cashback on every payment. [See How Rent Reporting Works →](https://www.neobanc.com/rent-reporting) ## Move-Out Cleaning Checklist Leaving your old place clean helps ensure a smooth handoff and protects your relationship with your former landlord—useful if you need a reference later. **Kitchen.** Clean inside and outside of all appliances: oven, stovetop, microwave, refrigerator, dishwasher. Wipe down cabinets inside and out. Clean countertops and backsplash. Scrub the sink and faucet. Empty and clean under the sink. **Bathroom.** Scrub the toilet inside and out. Clean the tub or shower, including tiles and grout. Wipe down the vanity, sink, and faucet. Clean mirrors. Wipe down exhaust fan cover. **All rooms.** Dust all surfaces including windowsills and baseboards. Clean inside all closets. Wipe down doors and door handles. Clean light switches and outlet covers. **Floors.** Vacuum all carpets. Sweep and mop hard floors. Steam clean carpets if required by your lease—check before assuming you need to. **Windows.** Clean inside glass and window tracks. Wipe down blinds or curtains if they stay with the unit. **Final touches.** Replace any burnt-out light bulbs. Remove all garbage. Clear out storage locker completely. Take out recycling and garbage on your last day. ## Ontario-Specific Moving Rules Renters Should Know A few rules apply specifically to Ontario renters that differ from other provinces. **60 days notice is required.** Ontario requires a full 60 days—not the 30 days required in some other provinces. Use Form N9 and make sure your termination date is the last day of a rental period. **Termination date must be exact.** You can't just pick any date. If you pay rent on the first of each month, your termination date must be the last day of a month. **Landlords cannot charge cleaning deposits.** Under Ontario's Residential Tenancies Act, landlords cannot collect damage deposits or cleaning fees. The only deposit allowed is last month's rent, which must be applied to your final month. **Your last month's rent deposit covers your final month.** The deposit you paid when you moved in should be applied to your last month's rent. You should not pay rent for your final month if you already paid a last month deposit. **Assignment rules give you options.** If your landlord refuses to let you assign your lease, you can give just 30 days notice instead of 60 days. This applies if you asked to assign and were denied. For more on tenant protections during your move, see our guide to [rent control in Ontario](https://www.neobanc.com/articles/rent-control-ontario). ## Make Your First Rent Payment Count You've done the hard work of moving—packing, cleaning, hauling boxes, changing addresses. Now you're settled in a new place with a fresh start. Here's something most renters don't think about: your first rent payment at your new apartment is a perfect opportunity to start building credit. Rent is usually your biggest monthly expense. Yet in Canada, those payments don't automatically appear on your credit report. You could pay rent perfectly for years and your credit score won't reflect it. When you apply for a credit card, car loan, or mortgage, all those on-time payments remain invisible. [Neobanc's rent reporting](https://www.neobanc.com/rent-reporting) changes that. Your rent payments get reported to credit bureaus, building your credit history with money you're already spending. Plus, you earn cashback on every payment. Starting fresh in a new place? Make sure your rent works as hard as you do. ### Make Your First Rent Payment Count You've done the hard work of moving. Now make sure every rent payment builds your credit and earns you cashback. Join 2,400+ Canadian renters who are getting more from their rent. [Get Started Free →](https://www.neobanc.com/) ## Read latest articles [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bcac96115797155393a_6939c0140fdeed2451be52fe_FirstTimeOntarioRental.webp)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ First-Time Renting in Ontario: Complete Beginner's Guide \[2026\]\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/first-time-renting-ontario-guide) [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bcab1a42568f5a8a57c_6939b3ad902a15624a020f9e_CreditScoreRentOntario.webp)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ What Credit Score Do You Need to Rent an Apartment in Ontario? \[2026 Guide\]\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario) [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bca152d423696a91934_6939aee1ca0b0cffaf4425c9_Tenant-Rights-Ontario-2026.png)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ Tenant Rights Ontario 2026: Complete RTA Guide\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/tenant-rights-ontario) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad124be_footer%20gradient.webp) ## Grow your savings, start earning cashback today [Join Neobanc\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Join Neobanc](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Farticles%2Fmoving-checklist-ontario) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344d7a8bd3b3f01e2ebaa1_Neobanc%20Logo%20Horizontal-3.svg)](https://www.neobanc.com/) Turn everyday expenses into monthly rewards. Neobanc makes it easy to pay rent, handle bills, manage your mortgage, and buy gift cards, all while earning cashback on the essentials of life. [![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b6_Icon.svg)](https://www.facebook.com/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b8_Icon.svg)](https://www.linkedin.com/company/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b7_Icon.svg)](https://www.instagram.com/neobanccom)[![YouTube]()](https://www.youtube.com/@neobanc) Quick links [Home](https://www.neobanc.com/) [About Us](https://www.neobanc.com/about-neobanc) [Cashback Calculator](https://www.neobanc.com/cashback-calculator) [WTFAQs](https://www.neobanc.com/neobanc-faq) [Articles](https://www.neobanc.com/articles) Features [Rent](https://www.neobanc.com/cashback-on-rent) [Bills](https://www.neobanc.com/cashback-on-bills) [Mortgages](https://www.neobanc.com/cashback-on-mortgages) [Giftcards](https://www.neobanc.com/cashback-on-gift-cards) Address 1050 King St W Toronto, ON M6K 0C7 Canada Contact [Call Us](tel:4165592902) [Email Us](mailto:team@neobanc.com?subject=Support%20from%20Neobanc) © 2025 Neobanc Inc. \|  MSB Licence Number: C100000880 Under Neobanc Inc.. [Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) [Complaints](https://www.neobanc.com/legal/complaints) Chat Widget ## Neobanc Private Beta Review [![Arrow ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b0_Button%20Arrow.svg)](https://www.neobanc.com/articles/neobanc-private-beta-legit#nav) ![UV Ray](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1243a_UV%20Ray.webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241b_Box%20(3).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12421_Box%20(5).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241a_Box%20(2).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241e_Box%20(4).webp) ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1237a_Icon.svg) December 8, 2025 # Neobanc Private Beta legit? ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png) Neobanc ### Table of Contents [The headlines don’t lie](https://www.neobanc.com/articles/neobanc-private-beta-legit#the-headlines-dont-lie) [Who’s behind Neobanc?](https://www.neobanc.com/articles/neobanc-private-beta-legit#whos-behind-neobanc) [Why Kyle built Neobanc](https://www.neobanc.com/articles/neobanc-private-beta-legit#why-kyle-built-neobanc) [So, is Neobanc legit?](https://www.neobanc.com/articles/neobanc-private-beta-legit#so-is-neobanc-legit) # **Neobanc Private Beta legit?** ‍ If you’ve stumbled across Neobanc on [Reddit](https://www.reddit.com/r/PersonalFinanceCanada/comments/1j4ekg2/neobanc_private_beta_legit/), in a friend’s group chat, scrolling LinkedIn, or while paying rent, you’ve probably asked yourself: _“is this thing even real?”_ It’s a fair question. Neobanc came out of nowhere, promising renters something they’ve never had before—cashback on rent, bills, even mortgages. In a world where fintech startups pop up daily, skepticism is healthy. But let’s cut through the noise and look at the facts. ### **The headlines don’t lie** Neobanc isn’t hiding in the shadows. The company has already been featured on **Yahoo Finance** for reporting **800% growth in just 5 months**—not exactly the footprint of a fly-by-night operation ( [link here](https://finance.yahoo.com/news/neobanc-reports-800-growth-5-124400399.html)). Behind that growth? Millions of dollars in rent, bills, and mortgage payments processed. And perhaps most importantly for peace of mind: _not a single late payment to a landlord._ ### **Who’s behind Neobanc?** The founders, [**Kyle Collier**](https://www.linkedin.com/in/kylecollier/) and [**Luis Parra**](https://www.luisparra.xyz/), aren’t anonymous figures hiding behind a brand. Kyle grew up poor in Nova Scotia, went **bankrupt** in his early twenties, and even had to file a **consumer proposal to consolidate his debt**. Today, he’s an engineer who has already built and exited multiple fintech companies. Luis, his 22-year-old cofounder, is often described as a **technical genius**. He’s built LLMs for billion-dollar companies and worked with the SEC before co-founding Neobanc. While he prefers to stay off LinkedIn, you can find his work on [his personal site](https://www.luisparra.xyz/) and his thoughts on [Twitter/X](https://x.com/frwrdthnkrparra). Neobanc also carries **insurance to protect renters**, so even in the rare event that something goes wrong, users aren’t left hanging. ### **Why Kyle built Neobanc** Kyle’s story is part of why this company resonates so deeply with renters. He wasn’t born into money. He’s experienced bankruptcy and sacrifice—and there are even articles about him couch-surfing for over a year while **building Phaze.io**, a prepaid infrastructure company whose white-labeled APIs powered millions of transactions for top fintech companies ( [see Vice](https://www.vice.com/en/article/ceo-of-million-dollar-crypto-company-couch-surfs-instead-of-renting-in-toronto/)). Phaze was a **registered Money Services Business with FINTRAC for many years**, giving Kyle deep expertise in compliance, payments, and regulation. Neobanc follows a similar path and is also **PCI-DSS SAQ compliant** to safeguard customer data and transactions. ### **So, is Neobanc legit?** Here’s what we know: - **Featured on Yahoo Finance** with undeniable growth - **Millions processed** across rent, bills, and mortgages. - **Zero late payments** to landlords - **Backed by unicorn founders and venture funds** - **Fully insured** to protect renters - **Agent of Phaze Inc MSB under FINTRAC (C100000266)** and **PCI-DSS SAQ compliant** - **Founded by seasoned fintech builders** — Kyle, a multi-time founder with deep expertise in payments and compliance, and Luis, a 22-year-old engineer who’s built large-scale infrastructure for billion-dollar companies. ‍ In short: yes, Neobanc is legit. It was exclusive during its early days—but that’s every early stage company at some point. For renters tired of paying thousands every month and getting nothing back, Neobanc is a sign that the system can be bent in their favour. And judging by the early numbers, it’s not going anywhere. ‍ ## Read latest articles [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bcac96115797155393a_6939c0140fdeed2451be52fe_FirstTimeOntarioRental.webp)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ First-Time Renting in Ontario: Complete Beginner's Guide \[2026\]\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/first-time-renting-ontario-guide) [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bcab1a42568f5a8a57c_6939b3ad902a15624a020f9e_CreditScoreRentOntario.webp)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ What Credit Score Do You Need to Rent an Apartment in Ontario? \[2026 Guide\]\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario) [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bca152d423696a91934_6939aee1ca0b0cffaf4425c9_Tenant-Rights-Ontario-2026.png)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ Tenant Rights Ontario 2026: Complete RTA Guide\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/tenant-rights-ontario) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad124be_footer%20gradient.webp) ## Grow your savings, start earning cashback today [Join Neobanc\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Join Neobanc](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Farticles%2Fneobanc-private-beta-legit) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344d7a8bd3b3f01e2ebaa1_Neobanc%20Logo%20Horizontal-3.svg)](https://www.neobanc.com/) Turn everyday expenses into monthly rewards. Neobanc makes it easy to pay rent, handle bills, manage your mortgage, and buy gift cards, all while earning cashback on the essentials of life. [![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b6_Icon.svg)](https://www.facebook.com/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b8_Icon.svg)](https://www.linkedin.com/company/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b7_Icon.svg)](https://www.instagram.com/neobanccom)[![YouTube]()](https://www.youtube.com/@neobanc) Quick links [Home](https://www.neobanc.com/) [About Us](https://www.neobanc.com/about-neobanc) [Cashback Calculator](https://www.neobanc.com/cashback-calculator) [WTFAQs](https://www.neobanc.com/neobanc-faq) [Articles](https://www.neobanc.com/articles) Features [Rent](https://www.neobanc.com/cashback-on-rent) [Bills](https://www.neobanc.com/cashback-on-bills) [Mortgages](https://www.neobanc.com/cashback-on-mortgages) [Giftcards](https://www.neobanc.com/cashback-on-gift-cards) Address 1050 King St W Toronto, ON M6K 0C7 Canada Contact [Call Us](tel:4165592902) [Email Us](mailto:team@neobanc.com?subject=Support%20from%20Neobanc) © 2025 Neobanc Inc. \|  MSB Licence Number: C100000880 Under Neobanc Inc.. [Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) [Complaints](https://www.neobanc.com/legal/complaints) Chat Widget ## Neobanc vs Chexy [![Arrow ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b0_Button%20Arrow.svg)](https://www.neobanc.com/articles/neobanc-vs-chexy#nav) ![UV Ray](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1243a_UV%20Ray.webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241b_Box%20(3).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12421_Box%20(5).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241a_Box%20(2).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241e_Box%20(4).webp) ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1237a_Icon.svg) December 8, 2025 # Neobanc vs Chexy: Which is Best for Canadian Renters? (2025) ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png) Neobanc ### Table of Contents [What is Neobanc?](https://www.neobanc.com/articles/neobanc-vs-chexy#what-is-neobanc) [How Neobanc Works](https://www.neobanc.com/articles/neobanc-vs-chexy#how-neobanc-works) [Neobanc Key Features](https://www.neobanc.com/articles/neobanc-vs-chexy#neobanc-key-features) [What is Chexy?](https://www.neobanc.com/articles/neobanc-vs-chexy#what-is-chexy) [How Chexy Works](https://www.neobanc.com/articles/neobanc-vs-chexy#how-chexy-works) [Chexy Key Features](https://www.neobanc.com/articles/neobanc-vs-chexy#chexy-key-features) [Neobanc vs Chexy: Head-to-Head Comparison](https://www.neobanc.com/articles/neobanc-vs-chexy#neobanc-vs-chexy-head-to-head-comparison) [Fees Comparison](https://www.neobanc.com/articles/neobanc-vs-chexy#fees-comparison) [Rewards Comparison](https://www.neobanc.com/articles/neobanc-vs-chexy#rewards-comparison) [Real Cost Examples: Which Maximizes Your Returns?](https://www.neobanc.com/articles/neobanc-vs-chexy#real-cost-examples-which-maximizes-your-returns) [Scenario 1: $2,000/month rent ($24,000/year)](https://www.neobanc.com/articles/neobanc-vs-chexy#scenario-1-dollar2000month-rent-dollar24000year) [Scenario 2: $2,500/month rent ($30,000/year)](https://www.neobanc.com/articles/neobanc-vs-chexy#scenario-2-dollar2500month-rent-dollar30000year) [Scenario 3: Lower Credit Card (2% cashback)](https://www.neobanc.com/articles/neobanc-vs-chexy#scenario-3-lower-credit-card-2percent-cashback) [When Should You Choose Neobanc?](https://www.neobanc.com/articles/neobanc-vs-chexy#when-should-you-choose-neobanc) [Best For:](https://www.neobanc.com/articles/neobanc-vs-chexy#best-for-2) [Neobanc Advantages:](https://www.neobanc.com/articles/neobanc-vs-chexy#neobanc-advantages) [Who Benefits Most:](https://www.neobanc.com/articles/neobanc-vs-chexy#who-benefits-most-2) [When Should You Choose Chexy?](https://www.neobanc.com/articles/neobanc-vs-chexy#when-should-you-choose-chexy) [Best For:](https://www.neobanc.com/articles/neobanc-vs-chexy#best-for) [Chexy Advantages:](https://www.neobanc.com/articles/neobanc-vs-chexy#chexy-advantages) [Who Benefits Most:](https://www.neobanc.com/articles/neobanc-vs-chexy#who-benefits-most) [Beyond Rent: Neobanc's Additional Value](https://www.neobanc.com/articles/neobanc-vs-chexy#beyond-rent-neobancs-additional-value) [Bill Pay with Cashback](https://www.neobanc.com/articles/neobanc-vs-chexy#bill-pay-with-cashback) [Gift Card Savings](https://www.neobanc.com/articles/neobanc-vs-chexy#gift-card-savings) [Combined Value Example](https://www.neobanc.com/articles/neobanc-vs-chexy#combined-value-example) [Credit Building: Neobanc vs Chexy](https://www.neobanc.com/articles/neobanc-vs-chexy#credit-building-neobanc-vs-chexy) [Neobanc Credit Building](https://www.neobanc.com/articles/neobanc-vs-chexy#neobanc-credit-building) [Chexy Credit Builder](https://www.neobanc.com/articles/neobanc-vs-chexy#chexy-credit-builder) [Verdict on Credit Building](https://www.neobanc.com/articles/neobanc-vs-chexy#verdict-on-credit-building) [Payment Methods Comparison](https://www.neobanc.com/articles/neobanc-vs-chexy#payment-methods-comparison) [Neobanc Payment Options:](https://www.neobanc.com/articles/neobanc-vs-chexy#neobanc-payment-options) [Chexy Payment Options:](https://www.neobanc.com/articles/neobanc-vs-chexy#chexy-payment-options) [Other Canadian Rent Payment Alternatives](https://www.neobanc.com/articles/neobanc-vs-chexy#other-canadian-rent-payment-alternatives) [Frequently Asked Questions](https://www.neobanc.com/articles/neobanc-vs-chexy#frequently-asked-questions) [Is Neobanc or Chexy better for maximizing rent rewards?](https://www.neobanc.com/articles/neobanc-vs-chexy#is-neobanc-or-chexy-better-for-maximizing-rent-rewards) [Do both Neobanc and Chexy charge fees?](https://www.neobanc.com/articles/neobanc-vs-chexy#do-both-neobanc-and-chexy-charge-fees) [What's the difference between Neobanc and Chexy rewards?](https://www.neobanc.com/articles/neobanc-vs-chexy#whats-the-difference-between-neobanc-and-chexy-rewards) [Can I use Interac instead of credit cards?](https://www.neobanc.com/articles/neobanc-vs-chexy#can-i-use-interac-instead-of-credit-cards) [Which credit cards work best with these platforms?](https://www.neobanc.com/articles/neobanc-vs-chexy#which-credit-cards-work-best-with-these-platforms) [Does Chexy have any advantages over Neobanc?](https://www.neobanc.com/articles/neobanc-vs-chexy#does-chexy-have-any-advantages-over-neobanc) [Which service helps build credit faster?](https://www.neobanc.com/articles/neobanc-vs-chexy#which-service-helps-build-credit-faster) [Final Verdict: Neobanc vs Chexy](https://www.neobanc.com/articles/neobanc-vs-chexy#final-verdict-neobanc-vs-chexy) [Choose Neobanc if:](https://www.neobanc.com/articles/neobanc-vs-chexy#choose-neobanc-if) [Choose Chexy if:](https://www.neobanc.com/articles/neobanc-vs-chexy#choose-chexy-if) [Ready to Maximize Your Rent Rewards?](https://www.neobanc.com/articles/neobanc-vs-chexy#ready-to-maximize-your-rent-rewards) ### Key Points - Neobanc offers 1-5% direct cashback on rent with zero transaction fees, while Chexy charges 1.75% to pay rent with credit cards - On $2,000 monthly rent, Chexy costs $420/year in fees - you need a 4%+ rewards card to profit - Neobanc's 5% staked cashback ($1,500/year on $2,500 rent) outperforms even the best Chexy credit card scenarios - Both platforms offer rent reporting to Equifax for credit building with no landlord involvement required - Choose Neobanc for guaranteed cashback with zero fees; choose Chexy only if you have premium rewards cards earning 4%+ # Neobanc vs Chexy: Which is Best for Canadian Renters? (2025) Rent is likely your biggest monthly expense. For most Canadian renters, that's $1,500 to $2,500 vanishing every month. But what if you could maximize rewards on those payments? Two platforms let Canadian renters earn rewards on rent: Neobanc and Chexy. Both charge fees when you pay with credit cards, but one stacks extra cashback on top of your card rewards. This guide compares both services so you can choose which maximizes your returns. **Quick Answer:** Both Neobanc and Chexy charge 1.75% fees for credit card payments. The key difference: Chexy gives you only your credit card rewards. Neobanc gives you credit card rewards PLUS an additional 1-5% cashback on top. With a 4% cashback card, Neobanc delivers 3.25-6.5% net returns versus Chexy's 2.25%. ## What is Neobanc? [Neobanc](https://neobanc.com/) is a Canadian rewards platform that lets renters stack cashback on top of their credit card rewards. Unlike platforms that only pass through credit card benefits, Neobanc adds its own cashback layer. ### How Neobanc Works Renters can pay rent through Neobanc using either Interac (free) or credit cards (1.75% fee for 1% instant cashback, or 2.5% fee for 5% cashback staked for 12 months). When you pay with a credit card, you earn both your card's rewards AND Neobanc's cashback. The stacking model is powerful. If your credit card earns 4% cashback and you choose Neobanc's 5% tier, you're earning 9% total rewards - minus the 2.5% fee for a net 6.5% return. ### Neobanc Key Features - **Stacked rewards:** Credit card rewards + Neobanc cashback (1% or 5%) - **Two cashback tiers:** 1% instant (1.75% fee) or 5% staked for 12 months (2.5% fee) - **Multiple payment methods:** Interac (free, no extra cashback) or credit card - **Rent reporting:** Optional [credit building through rent payments](https://www.neobanc.com/rent-reporting) to Equifax - **Bill pay rewards:** Earn cashback on utilities, phone, internet bills - **Gift card savings:** Get discounts on gift cards from major brands - **No landlord setup:** Works with any landlord without their involvement Over 2,240 Canadian renters use Neobanc to maximize returns on rent and bills. ## What is Chexy? [Chexy](https://chexy.co/) is a Toronto-based platform that lets Canadian renters pay rent using credit cards to earn their card's rewards - whether that's points, miles, or cashback. ### How Chexy Works You connect your credit card to Chexy's platform and schedule rent payments. Chexy charges your credit card and sends payment to your landlord via Interac e-Transfer or pre-authorized debit. Chexy charges a 1.75% transaction fee for credit card payments. You earn only your credit card's rewards - Chexy doesn't add additional cashback on top. ### Chexy Key Features - **Pay with credit cards:** Use Visa or Amex to earn your card's rewards - **1.75% transaction fee:** Applied when using credit cards - **Multiple payment methods:** Credit card, Interac (free), or PAD (Pre-Authorized Debit) - **Credit card rewards:** Earn points, miles, or cashback from your card issuer only - **Credit Builder:** Free rent reporting to Equifax included - **Automated payments:** Schedule payments to never miss rent day According to [independent reviews](https://princeoftravel.com/guides/chexy/), Chexy processes over 100,000 rent payments monthly for Canadian renters. ## Neobanc vs Chexy: Head-to-Head Comparison The biggest difference: Chexy passes through your credit card rewards only. Neobanc stacks its own cashback on top of credit card rewards. | Feature | Neobanc | Chexy | | --- | --- | --- | | Reward Type | Credit card rewards + 1-5% cashback | Credit card rewards only | | Credit Card Fee | 1.75% (1% tier) or 2.5% (5% tier) | 1.75% | | Interac Payment | Free (no extra cashback) | Free (no rewards) | | Best For | Reward stackers with good credit cards | Basic credit card rewards collectors | | Example with 4% Card | 3.25% or 6.5% net return | 2.25% net return | | Credit Building | Optional rent reporting | Included free | | Payment Methods | Interac, Credit Card | Interac, Credit Card, PAD | | Bill Pay Rewards | Yes, with cashback | No | | Gift Card Savings | Yes, discounts available | No | | Landlord Setup Required | No | No | ### Fees Comparison Both platforms charge 1.75% when you pay with credit cards through the basic tier. **Chexy:** 1.75% fee, earn only your credit card rewards. **Neobanc:** Two options: - 1.75% fee → earn credit card rewards + 1% Neobanc cashback - 2.5% fee → earn credit card rewards + 5% Neobanc cashback Both offer free Interac payments, but Chexy provides no rewards for Interac while Neobanc focuses rewards on credit card usage. ### Rewards Comparison **Chexy rewards are simple:** You earn whatever your credit card offers. With a 4% cashback card, you earn 4% and pay 1.75% in fees = 2.25% net return. **Neobanc rewards stack:** You earn your credit card rewards PLUS Neobanc's cashback. With a 4% cashback card on Neobanc: - **1% tier:** 4% (card) + 1% (Neobanc) - 1.75% (fee) = **3.25% net** - **5% tier:** 4% (card) + 5% (Neobanc) - 2.5% (fee) = **6.5% net** The stacking advantage compounds significantly on high rent amounts. Reward Stacking ### Why Earn 2.25% When You Can Earn 6.5%? With a 4% cashback card on $2,000/month rent Chexy Credit card: +$960 Platform cashback: $0 Fees: -$420 2.25% Neobanc 5% Credit card: +$960 Platform cashback: +$1,200 Fees: -$600 6.5% [Start Stacking Rewards →](https://app.neobanc.com/signup?utm_campaign=stacking_comparison_cta&utm_term=neobanc-vs-chexy&utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Farticles%2Fneobanc-vs-chexy) ## Real Cost Examples: Which Maximizes Your Returns? Let's compare real returns with a 4% cashback credit card (like Scotia Momentum Visa Infinite). ### Scenario 1: $2,000/month rent ($24,000/year) **Chexy:** - Annual fees: $420 (1.75% × $24,000) - Credit card rewards: 4% = $960/year - **Net return: $540/year (2.25%)** **Neobanc (1% tier):** - Annual fees: $420 (1.75% × $24,000) - Credit card rewards: 4% = $960/year - Neobanc cashback: 1% = $240/year - **Net return: $780/year (3.25%)** **Neobanc (5% tier):** - Annual fees: $600 (2.5% × $24,000) - Credit card rewards: 4% = $960/year - Neobanc cashback: 5% = $1,200/year - **Net return: $1,560/year (6.5%)** **Advantage Neobanc:** +$240 to +$1,020 more per year ### Scenario 2: $2,500/month rent ($30,000/year) **Chexy:** - Annual fees: $525 (1.75% × $30,000) - Credit card rewards: 4% = $1,200/year - **Net return: $675/year (2.25%)** **Neobanc (1% tier):** - Annual fees: $525 (1.75% × $30,000) - Credit card rewards: 4% = $1,200/year - Neobanc cashback: 1% = $300/year - **Net return: $975/year (3.25%)** **Neobanc (5% tier):** - Annual fees: $750 (2.5% × $30,000) - Credit card rewards: 4% = $1,200/year - Neobanc cashback: 5% = $1,500/year - **Net return: $1,950/year (6.5%)** **Advantage Neobanc:** +$300 to +$1,275 more per year ### Scenario 3: Lower Credit Card (2% cashback) **Chexy with 2% card:** - Annual fees: $420 (on $24,000 rent) - Credit card rewards: 2% = $480/year - **Net return: $60/year (0.25%)** **Neobanc (1% tier) with 2% card:** - Annual fees: $420 - Credit card rewards: 2% = $480/year - Neobanc cashback: 1% = $240/year - **Net return: $300/year (1.25%)** **Neobanc (5% tier) with 2% card:** - Annual fees: $600 - Credit card rewards: 2% = $480/year - Neobanc cashback: 5% = $1,200/year - **Net return: $1,080/year (4.5%)** **Advantage Neobanc:** Even with mediocre credit cards, Neobanc delivers superior returns through stacking. ### 💰 Reward Stacking Calculator See how much more you earn with Neobanc's stacked rewards Monthly Rent Card Cashback % Chexy $540 Net return/year Neobanc 1% $780 Net return/year Neobanc 5% $1,560 Net return/year You earn $1,020 more with Neobanc 5% [Start Stacking Rewards →](https://app.neobanc.com/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Farticles%2Fneobanc-vs-chexy) ## When Should You Choose Neobanc? Neobanc works best for renters who want to maximize total returns by stacking rewards. ### Best For: - Renters with good credit cards (2%+ cashback) - Those who want maximum returns on rent - Canadians paying bills who want rewards on utilities too - Reward optimizers willing to pay slightly higher fees for higher returns - Users who buy gift cards and want additional savings ### Neobanc Advantages: - **Reward stacking:** Only platform that adds cashback on top of credit card rewards - **Bill pay rewards:** Earn on utilities, phone, internet - not just rent - **Gift card savings:** Additional savings opportunity Chexy doesn't offer - **Flexible tiers:** Choose 1% or 5% cashback based on your needs - **Multiple revenue streams:** Rent + bills + gift cards all earn rewards ### Who Benefits Most: - Credit card rewards enthusiasts who want to maximize every payment - Renters with premium 4% cashback cards - Those paying $2,000+ monthly rent where stacking makes significant difference - Users who consolidate bill payments through one rewards platform With Neobanc's 5% tier and a 4% credit card, you're earning 6.5% net returns - nearly triple Chexy's 2.25%. ## When Should You Choose Chexy? Chexy makes sense for renters who want simplicity or need specific payment methods. ### Best For: - Renters who need PAD (Pre-Authorized Debit) payment option - Those preferring simpler reward structures - Credit card users comfortable with basic pass-through rewards - Renters who don't want to think about optimization ### Chexy Advantages: - **Three payment methods:** Credit card, Interac, and PAD - **Simpler model:** No tier decisions, just pay and earn card rewards - **Credit building included:** Free rent reporting to Equifax - **Established platform:** 100,000+ monthly rent payments processed - **Partnership perks:** Special offers with Aeroplan and other programs ### Who Benefits Most: - Renters requiring PAD functionality - Those who prefer "set and forget" approaches - Users with lower credit card rewards rates (under 2%) - Renters who don't optimize every transaction If you're not interested in maximizing rewards and just want basic credit card benefits, Chexy's straightforward model works fine. ## Beyond Rent: Neobanc's Additional Value Neobanc offers rewards beyond just rent payments: ### Bill Pay with Cashback Pay utilities, phone bills, internet through Neobanc and earn the same 1-5% cashback. Chexy doesn't offer bill pay rewards. On $300/month in bills ($3,600/year): - **1% tier:** $36/year cashback - $63 fees = -$27 (not worth it) - **5% tier:** $180/year cashback - $90 fees = +$90 net ### Gift Card Savings Neobanc offers discounted gift cards from major Canadian brands. Stack these savings with your rent rewards for additional value Chexy can't match. ### Combined Value Example **Rent:** $2,000/month **Bills:** $300/month **Gift cards:** $200/month purchases **Total annual savings with Neobanc 5% tier:** - Rent rewards: $1,560 net - Bill rewards: $90 net - Gift card discounts: ~$150/year (estimated 5% savings) - **Combined: $1,800/year** Chexy only delivers rent rewards, missing these additional opportunities. ## Credit Building: Neobanc vs Chexy Both platforms offer rent reporting to Equifax to help build credit history. ### Neobanc Credit Building Neobanc offers optional rent reporting as an add-on service. Your on-time rent payments report to Equifax monthly, helping build credit without taking on debt. This service works independently of your cashback tier. Learn more about [how rent reporting builds credit](https://borrowell.com/blog/how-to-report-rent-payments-to-credit-bureau). ### Chexy Credit Builder Chexy includes Credit Builder free with all accounts. Every rent payment automatically reports to Equifax. Track payment history directly in Chexy's dashboard. ### Verdict on Credit Building Both services report to Equifax only - not TransUnion. They're functionally equal for credit building. Your choice should depend on reward optimization, not credit reporting features. ## Payment Methods Comparison ### Neobanc Payment Options: - **Interac:** Free, but no extra Neobanc cashback (just credit card rewards if paying via card linked to Interac) - **Credit Card:** 1.75% or 2.5% fee depending on tier, earns stacked rewards ### Chexy Payment Options: - **Interac:** Free, no rewards - **Credit Card:** 1.75% fee, earn card rewards only - **PAD (Pre-Authorized Debit):** Direct bank withdrawal, free, no rewards **Winner:** Chexy offers more payment methods (PAD option). But for maximizing rewards, Neobanc's credit card stacking beats Chexy's basic pass-through. ## Other Canadian Rent Payment Alternatives While Neobanc and Chexy lead the rent rewards space, other options exist: **Borrowell Rent Advantage:** Credit building only, no rewards or cashback. **TenantPay:** Similar to Chexy, credit card payments with comparable fees. **Direct bank transfer:** Traditional method, free but zero rewards and no credit building. For Canadian renters seeking maximum rewards, Neobanc and Chexy remain the top two choices. ## Frequently Asked Questions ### Is Neobanc or Chexy better for maximizing rent rewards? Neobanc delivers higher returns by stacking cashback on top of credit card rewards. With a 4% card, Neobanc's 5% tier produces 6.5% net returns versus Chexy's 2.25%. Neobanc wins for reward maximization. ### Do both Neobanc and Chexy charge fees? Yes. Both charge 1.75% for credit card payments at their base tiers. Neobanc's 5% tier charges 2.5%. Interac payments are free on both platforms, but only Neobanc offers reward stacking with credit cards. ### What's the difference between Neobanc and Chexy rewards? Chexy gives you only your credit card's rewards. Neobanc gives you credit card rewards PLUS additional 1-5% cashback on top. Neobanc stacks rewards; Chexy doesn't. ### Can I use Interac instead of credit cards? Yes, both platforms offer free Interac payments. However, Chexy provides no rewards for Interac. Neobanc focuses its reward structure on credit card payments where stacking benefits apply. ### Which credit cards work best with these platforms? High cashback cards (3-4%) maximize returns on both platforms. Scotia Momentum Visa Infinite (4% on recurring bills) is ideal. With Neobanc's stacking, even 2% cards deliver solid returns. ### Does Chexy have any advantages over Neobanc? Yes - Chexy offers PAD (Pre-Authorized Debit) which Neobanc doesn't. Chexy also includes free credit building without opting in. If you need PAD or prefer simpler structures, Chexy works well. ### Which service helps build credit faster? Both report to Equifax equally. Credit building speed depends on your payment history and credit profile, not which platform you use. Neither currently reports to TransUnion. ## Final Verdict: Neobanc vs Chexy Both platforms help Canadian renters earn rewards on rent. Your choice depends on whether you want maximum returns or simplicity. ### Choose Neobanc if: - You want to maximize total returns through reward stacking - You have a good credit card (2%+ cashback) - You're willing to pay 2.5% fee for 6.5% net returns - You pay bills and want rewards beyond just rent - You buy gift cards and want additional savings - You enjoy optimizing financial rewards ### Choose Chexy if: - You need PAD (Pre-Authorized Debit) payment option - You prefer simpler reward structures - You're comfortable with basic credit card pass-through - You have a lower rewards card (under 2%) - You want "set it and forget it" simplicity - You primarily care about credit building **The math is clear:** Neobanc's reward stacking delivers 1.5-3x higher net returns than Chexy when using good credit cards. On $2,000 monthly rent with a 4% card, Neobanc earns you $1,020-$1,560 more annually than Chexy. For Canadian renters who want maximum value from their largest monthly expense, Neobanc's stacking advantage is hard to beat. Stack Rewards. Earn More. ### Ready to 3x Your Rent Rewards? Join thousands of Canadians stacking cashback on top of credit card rewards Up to 9% Total rewards earned 6.5% Net returns (5% tier) 2,240+ Happy renters [Start Stacking Rewards →](https://app.neobanc.com/signup?utm_campaign=conclusion_cta&utm_term=neobanc-vs-chexy&utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Farticles%2Fneobanc-vs-chexy) Takes 2 minutes • Works with any credit card ## Ready to Maximize Your Rent Rewards? Stop settling for basic credit card rewards. Neobanc lets you stack cashback on top of your card benefits - earning up to 6.5% net returns on rent. **Start stacking rewards on your rent today** → [neobanc.com](https://www.neobanc.com/) # ‍ ## Read latest articles [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bcac96115797155393a_6939c0140fdeed2451be52fe_FirstTimeOntarioRental.webp)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ First-Time Renting in Ontario: Complete Beginner's Guide \[2026\]\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/first-time-renting-ontario-guide) [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bcab1a42568f5a8a57c_6939b3ad902a15624a020f9e_CreditScoreRentOntario.webp)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ What Credit Score Do You Need to Rent an Apartment in Ontario? \[2026 Guide\]\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario) [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bca152d423696a91934_6939aee1ca0b0cffaf4425c9_Tenant-Rights-Ontario-2026.png)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ Tenant Rights Ontario 2026: Complete RTA Guide\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/tenant-rights-ontario) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad124be_footer%20gradient.webp) ## Grow your savings, start earning cashback today [Join Neobanc\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Join Neobanc](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Farticles%2Fneobanc-vs-chexy) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344d7a8bd3b3f01e2ebaa1_Neobanc%20Logo%20Horizontal-3.svg)](https://www.neobanc.com/) Turn everyday expenses into monthly rewards. Neobanc makes it easy to pay rent, handle bills, manage your mortgage, and buy gift cards, all while earning cashback on the essentials of life. 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[Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) [Complaints](https://www.neobanc.com/legal/complaints) Chat Widget ## Neobanc's Remarkable Growth [![Arrow ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b0_Button%20Arrow.svg)](https://www.neobanc.com/articles/neobanc-yahoo-finance-article#nav) ![UV Ray](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1243a_UV%20Ray.webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241b_Box%20(3).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12421_Box%20(5).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241a_Box%20(2).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241e_Box%20(4).webp) ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1237a_Icon.svg) January 12, 2026 # Neobanc Reports 800% Growth in 5 months Since Launch, Allowing Thousands to Save Money on Rent each month with Cash back ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png) Neobanc ### Table of Contents [Neobanc Reports](https://www.neobanc.com/articles/neobanc-yahoo-finance-article#neobanc-reports) [About Neobanc](https://www.neobanc.com/articles/neobanc-yahoo-finance-article#about-neobanc) ### Key Points - **Achieved 800% growth in under five months**, becoming North America’s fastest-growing cashback-on-rent fintech with industry-leading retention. - **Built with only ~$500K in funding**, making Neobanc one of the most capital-efficient fintech disruptors—outpacing and even acquiring competitors burning millions. - **Launched major features in weeks**, including North America’s first mortgage-payment cashback program, which already saw 100+ inbound applications with zero marketing. - **Driven by a founding team with five exits** and a proven track record scaling fintech products from 1,000 users to millions in 14 months. - **Focused on solving the housing affordability crisis**, offering free cashback and credit-building tools to help renters move toward homeownership. Note: this press release was first published on [Yahoo Finance](https://finance.yahoo.com/news/neobanc-reports-800-growth-5-124400399.html) in September 2025 ## Neobanc Reports [Neobanc,](https://www.neobanc.com/?_gl=1*app8po*__gcl_au*MTYyNDUxODQ4MC4xNzU1MjA3ODE4*_gcl_au*MTIyODAyOTczOC4xNzYwNDU3NjkzLjk3MzA1ODIyNS4xNzYyNDYzMDA4LjE3NjI0NjMwMTY.*_ga*MTE1MTg2OTk5OS4xNzUyNDkzMDI0*_ga_QS14QHDYDR*czE3NjI1NDUzNTEkbzE0OSRnMSR0MTc2MjU0NjU3NSRqMzgkbDAkaDA.) North America’s fastest-growing fintech startup offering cashback on rent, bills, and mortgages, today announced it has achieved an 800% growth rate since its March 2025 launch. The milestone, achieved on only half a million in funding from the EWOR’s <0.1% acceptance rate Accelerator, among other investors, positions Neobanc as one of the most capital-efficient & fastest-growing fintech disruptors with an industry-leading retention rate in the market—outpacing and even acquiring competitors while others continue to burn through millions without delivering comparable features. The startup’s blitzscaling strategy has been driven by lightning-fast product execution and strategic partnerships, leveraging the founding team’s track record of five exits and scaling a company with the same ICP from 1,000 users to millions in less than 14 months. Neobanc has already delivered features in weeks that well-funded competitors have taken years to build. Furthermore, Neobanc’s new mortgage payment cashback feature, the first of its kind in North America, launched this week with 100 inbound applications already. Even with no marketing spend, demand has already exceeded expectations—a sign that, with the proper investor backing, it could accelerate expansion well ahead of U.S. incumbents, many of whom have raised hundreds of millions yet remain behind in similar launches. Neobanc’s rapid rise comes amid growing demand for solutions to the housing affordability crisis affecting 60% of renters globally. The company offers a free cashback and credit-building option to renters at zero cost, designed to accelerate their transition to homeownership, a mission deeply rooted in CEO & Co-founder Kyle Collier’s personal journey—from bankruptcy and couch-surfing with a very low credit score, to building a fintech platform tackling the very barriers he once faced. “We’re proving that with the right team, the right product, and relentless execution, you don’t need hundreds of millions of dollars to find Product-Market-Fit fast,” said Kyle Collier, CEO and Co-founder of Neobanc. “Market incumbents talk about features they plan to launch. We’ve already launched them. Their launch is our lunch. And we’re hangry.” ‍ ## **About Neobanc** **‍** ‍ Neobanc is North America’s leading cashback-on-rent, bills, and mortgages fintech platform, helping renters build credit, earn rewards, and accelerate their path to homeownership. Founded in late 2024 by serial entrepreneurs and backed by unicorn founders & angel investors, Neobanc has achieved 800% growth in under five months with industry-leading retention. The founding team is engaging with a select few investors, partners & potential hires who share the conviction in the mission and their relentless execution. For any hangry users out there, Neobanc got a $100 credit paid as a rent discount when you pay your Rent with Neobanc by signing up with the link [https://app.neobanc.com/invite/NEOBANCNEWS](https://app.neobanc.com/invite/NEOBANCNEWS?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Farticles%2Fneobanc-yahoo-finance-article) ## Read latest articles [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bcac96115797155393a_6939c0140fdeed2451be52fe_FirstTimeOntarioRental.webp)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ First-Time Renting in Ontario: Complete Beginner's Guide \[2026\]\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/first-time-renting-ontario-guide) [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bcab1a42568f5a8a57c_6939b3ad902a15624a020f9e_CreditScoreRentOntario.webp)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ What Credit Score Do You Need to Rent an Apartment in Ontario? \[2026 Guide\]\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario) [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bca152d423696a91934_6939aee1ca0b0cffaf4425c9_Tenant-Rights-Ontario-2026.png)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ Tenant Rights Ontario 2026: Complete RTA Guide\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/tenant-rights-ontario) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad124be_footer%20gradient.webp) ## Grow your savings, start earning cashback today [Join Neobanc\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Join Neobanc](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Farticles%2Fneobanc-yahoo-finance-article) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344d7a8bd3b3f01e2ebaa1_Neobanc%20Logo%20Horizontal-3.svg)](https://www.neobanc.com/) Turn everyday expenses into monthly rewards. Neobanc makes it easy to pay rent, handle bills, manage your mortgage, and buy gift cards, all while earning cashback on the essentials of life. [![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b6_Icon.svg)](https://www.facebook.com/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b8_Icon.svg)](https://www.linkedin.com/company/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b7_Icon.svg)](https://www.instagram.com/neobanccom)[![YouTube]()](https://www.youtube.com/@neobanc) Quick links [Home](https://www.neobanc.com/) [About Us](https://www.neobanc.com/about-neobanc) [Cashback Calculator](https://www.neobanc.com/cashback-calculator) [WTFAQs](https://www.neobanc.com/neobanc-faq) [Articles](https://www.neobanc.com/articles) Features [Rent](https://www.neobanc.com/cashback-on-rent) [Bills](https://www.neobanc.com/cashback-on-bills) [Mortgages](https://www.neobanc.com/cashback-on-mortgages) [Giftcards](https://www.neobanc.com/cashback-on-gift-cards) Address 1050 King St W Toronto, ON M6K 0C7 Canada Contact [Call Us](tel:4165592902) [Email Us](mailto:team@neobanc.com?subject=Support%20from%20Neobanc) © 2025 Neobanc Inc. \|  MSB Licence Number: C100000880 Under Neobanc Inc.. [Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) [Complaints](https://www.neobanc.com/legal/complaints) Chat Widget ## Ontario Rent Increase Guide [![Arrow ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b0_Button%20Arrow.svg)](https://www.neobanc.com/articles/ontario-rent-increase#nav) ![UV Ray](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1243a_UV%20Ray.webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241b_Box%20(3).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12421_Box%20(5).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241a_Box%20(2).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241e_Box%20(4).webp) ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1237a_Icon.svg) December 8, 2025 # Ontario Rent Increase 2025: Rules, Limits & What Tenants Should Know ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png) Neobanc ### Table of Contents [What is the Ontario Rent Increase Guideline?](https://www.neobanc.com/articles/ontario-rent-increase#what-is-the-ontario-rent-increase-guideline) [How Much Can Rent Increase in Ontario in 2025?](https://www.neobanc.com/articles/ontario-rent-increase#how-much-can-rent-increase-in-ontario-in-2025) [Does the Rent Increase Guideline Apply to Your Unit?](https://www.neobanc.com/articles/ontario-rent-increase#does-the-rent-increase-guideline-apply-to-your-unit) [Units Protected by Rent Control](https://www.neobanc.com/articles/ontario-rent-increase#units-protected-by-rent-control) [Units Exempt from Rent Control](https://www.neobanc.com/articles/ontario-rent-increase#units-exempt-from-rent-control) [What Notice Must Landlords Provide?](https://www.neobanc.com/articles/ontario-rent-increase#what-notice-must-landlords-provide) [90 Days Written Notice](https://www.neobanc.com/articles/ontario-rent-increase#90-days-written-notice) [Once Every 12 Months](https://www.neobanc.com/articles/ontario-rent-increase#once-every-12-months) [What Valid Notice Looks Like](https://www.neobanc.com/articles/ontario-rent-increase#what-valid-notice-looks-like) [Can Landlords Increase Rent More Than 2.5%?](https://www.neobanc.com/articles/ontario-rent-increase#can-landlords-increase-rent-more-than-25percent) [Reasons for Above Guideline Increases](https://www.neobanc.com/articles/ontario-rent-increase#reasons-for-above-guideline-increases) [Your Rights During an AGI Application](https://www.neobanc.com/articles/ontario-rent-increase#your-rights-during-an-agi-application) [What If Your Landlord Raises Rent Illegally?](https://www.neobanc.com/articles/ontario-rent-increase#what-if-your-landlord-raises-rent-illegally) [Common Illegal Rent Increases](https://www.neobanc.com/articles/ontario-rent-increase#common-illegal-rent-increases) [How to Dispute an Illegal Increase](https://www.neobanc.com/articles/ontario-rent-increase#how-to-dispute-an-illegal-increase) [Keep Records](https://www.neobanc.com/articles/ontario-rent-increase#keep-records) [Ontario Rent Increase History: 2020-2026](https://www.neobanc.com/articles/ontario-rent-increase#ontario-rent-increase-history-2020-2026) [Make Your Rent Work Harder](https://www.neobanc.com/articles/ontario-rent-increase#make-your-rent-work-harder) [Frequently Asked Questions](https://www.neobanc.com/articles/ontario-rent-increase#frequently-asked-questions) ### Key Points - Ontario's rent increase guideline for 2025 is 2.5%, the maximum landlords can raise rent for most units without Landlord and Tenant Board approval - Landlords must provide 90 days written notice using Form N1 before any rent increase takes effect—emails and texts don't count - Units first occupied after November 15, 2018 are exempt from rent control, meaning landlords can raise rent by any amount with proper notice - The 2026 guideline has been announced at 2.1%, slightly lower than the current year - If your landlord raises rent illegally, you can dispute it at the Landlord and Tenant Board within 12 months # Ontario Rent Increase 2025: Rules, Limits & What Tenants Should Know Rent going up this year? You're not alone. Every year, thousands of Ontario tenants receive rent increase notices and wonder whether the amount is legal. Understanding the rules protects you from paying more than you should. This guide explains Ontario's 2025 rent increase guideline, who it applies to, how much notice landlords must provide, and what to do if your landlord raises rent illegally. Whether you're in a rent-controlled unit or a newer building, you'll know exactly where you stand. **Quick Answer:** Ontario's rent increase guideline for 2025 is 2.5%. Landlords must provide 90 days written notice using Form N1 before raising rent. This limit applies to most rental units first occupied before November 15, 2018. Units built after that date are exempt from rent control. The 2026 guideline has been set at 2.1%. ## What is the Ontario Rent Increase Guideline? The rent increase guideline is the maximum percentage landlords can raise rent each year without approval from the [Landlord and Tenant Board](https://tribunalsontario.ca/ltb/). The Ontario government sets this limit annually based on the Ontario Consumer Price Index, which measures inflation. The guideline applies to most private residential rental units covered by the Residential Tenancies Act. This includes apartments, houses, condos, and basement units rented out by landlords. Each year, the Ministry of Municipal Affairs and Housing announces the guideline by August 31st. The rate takes effect on January 1st and applies to all rent increases during that calendar year. Even if inflation rises above the guideline, landlords cannot exceed this cap without going through an approval process. ## How Much Can Rent Increase in Ontario in 2025? The rent increase guideline for 2025 is **2.5%**. This means if you pay $2,000 per month, your landlord can raise your rent by a maximum of $50, bringing your new rent to $2,050. The 2.5% guideline is actually the maximum allowed by law. The Residential Tenancies Act caps the guideline at 2.5% regardless of how high inflation actually is. In years when inflation exceeds 2.5%, tenants are protected from larger increases. Looking ahead, the 2026 guideline has been announced at 2.1%, slightly lower than 2025. This reflects the calculation based on Ontario's Consumer Price Index from June 2023 to May 2024. | Current Monthly Rent | Maximum Increase (2.5%) | New Monthly Rent | Annual Impact | | --- | --- | --- | --- | | $1,500 | $37.50 | $1,537.50 | $450 | | $1,800 | $45.00 | $1,845.00 | $540 | | $2,000 | $50.00 | $2,050.00 | $600 | | $2,500 | $62.50 | $2,562.50 | $750 | | $3,000 | $75.00 | $3,075.00 | $900 | ## Does the Rent Increase Guideline Apply to Your Unit? Not all rental units in Ontario are protected by the 2.5% guideline. The key date is **November 15, 2018**. Units first occupied for residential purposes after this date are exempt from rent control. If you moved into a brand new building after November 15, 2018, your landlord can raise rent by any amount with proper notice. This applies even if you're not the first tenant in that specific unit, as long as the building itself was first occupied after that date. ### Units Protected by Rent Control Your unit is likely rent-controlled if it was first occupied before November 15, 2018. This includes most older apartment buildings, houses converted to rentals before that date, and basement apartments that existed before then. For these units, landlords cannot increase rent by more than the guideline without Landlord and Tenant Board approval. ### Units Exempt from Rent Control Several types of housing are exempt from the rent increase guideline. According to the [Ontario government's official guidelines](https://www.ontario.ca/page/residential-rent-increases), exempt units include: - New buildings and units first occupied after November 15, 2018 - Community housing and non-profit housing cooperatives - Long-term care homes and retirement homes - Commercial properties with living quarters attached | Unit Type | Rent Control Status | Maximum Increase | | --- | --- | --- | | Building first occupied before Nov 15, 2018 | Protected | 2.5% (2025 guideline) | | Building first occupied after Nov 15, 2018 | Exempt | No limit (with 90 days notice) | | Community housing | Exempt | Varies by program | | Vacant unit (new tenancy) | Exempt for first rent | Landlord sets initial rent | If you're unsure whether your unit is rent-controlled, check your lease or ask your landlord when the building was first occupied. You can also contact the Landlord and Tenant Board for clarification. ## What Notice Must Landlords Provide? Landlords must follow specific rules when raising rent. Failing to meet these requirements makes the rent increase invalid, and you're not required to pay the higher amount. ### 90 Days Written Notice Landlords must provide at least 90 days written notice before a rent increase takes effect. The notice must be given using the official **Form N1**, available from the [Landlord and Tenant Board website](https://tribunalsontario.ca/ltb/forms/). A text message, email, or verbal conversation is not legally valid notice unless you have previously agreed in writing to receive notices electronically. If your landlord slides a handwritten note under your door, that's also invalid. Only Form N1 counts. ### Once Every 12 Months Landlords can only increase rent once every 12 months. The increase must occur at least 12 months after either the start of your tenancy or your last rent increase, whichever is later. For example, if your lease started on March 1, 2024, your landlord cannot raise rent until March 1, 2025 at the earliest. And they would need to give you notice by December 1, 2024 (90 days before) for the increase to be valid. ### What Valid Notice Looks Like A proper rent increase notice includes the correct Form N1, the date the increase takes effect, the new rent amount, the landlord's signature, and delivery at least 90 days before the effective date. If any of these elements are missing, you can dispute the notice. ## Can Landlords Increase Rent More Than 2.5%? Yes, but only in specific circumstances. Landlords can apply to the Landlord and Tenant Board for an **Above Guideline Increase (AGI)** if they have qualifying reasons. ### Reasons for Above Guideline Increases The Landlord and Tenant Board may approve increases above 2.5% for extraordinary increases in municipal taxes or charges, major capital expenditures like a new roof, elevator repairs, or plumbing replacement, and operating costs related to security services. Landlords must apply using **Form L5** and provide documentation proving these costs. The maximum additional increase is 3% per year above the guideline, and the landlord can phase in larger amounts over multiple years. ### Your Rights During an AGI Application If your landlord applies for an Above Guideline Increase, you have the right to receive written notice of the application, attend the hearing at the Landlord and Tenant Board, present evidence disputing the landlord's claims, and request an inspection of the work completed. Many AGI applications are disputed successfully when tenants can show the work was unnecessary, overpriced, or already required as part of normal maintenance. The [Advocacy Centre for Tenants Ontario (ACTO)](https://www.acto.ca/) provides resources for tenants facing AGI applications. ## What If Your Landlord Raises Rent Illegally? If your landlord didn't follow the proper rules, you have options. An illegal rent increase is void, and you're not required to pay the higher amount. ### Common Illegal Rent Increases Rent increases are illegal if notice was given less than 90 days before the effective date, the landlord didn't use Form N1, the increase exceeds 2.5% without LTB approval (for rent-controlled units), rent was increased more than once in 12 months, or rent was increased during the first 12 months of your tenancy. ### How to Dispute an Illegal Increase First, continue paying your original rent amount. You are not required to pay an invalid increase. Second, contact your landlord in writing explaining why the increase is invalid. Third, if the landlord insists, file a **T1 Application** with the Landlord and Tenant Board within 12 months to dispute the increase and recover any overpayments. The LTB can order your landlord to return any excess rent you paid, plus interest. ### Keep Records Document everything. Save copies of your lease, all rent increase notices, payment records, and any communication with your landlord. These records protect you if you need to file a dispute. ### Paying More Rent? Make It Count. Your rent doesn't build credit in Canada—unless you report it. Neobanc helps you turn monthly payments into credit history, plus earn cashback on every payment. [Learn How Rent Reporting Works →](https://www.neobanc.com/rent-reporting) ## Ontario Rent Increase History: 2020-2026 Understanding recent trends helps you see where rent increases are heading. Here's how the guideline has changed over the past several years: | Year | Rent Increase Guideline | Notes | | --- | --- | --- | | 2020 | 2.2% | Pre-pandemic rate | | 2021 | 0% | COVID-19 rent freeze | | 2022 | 1.2% | Post-freeze recovery | | 2023 | 2.5% | Maximum cap applied | | 2024 | 2.5% | Maximum cap applied | | 2025 | 2.5% | Maximum cap applied | | 2026 | 2.1% | Announced August 2024 | The 2021 rent freeze was a one-time measure during the COVID-19 pandemic. Since then, inflation has pushed the guideline to its maximum 2.5% cap for three consecutive years. The 2026 rate of 2.1% reflects slightly lower inflation in the calculation period. ## Make Your Rent Work Harder Rent increases are part of renting in Ontario. While you can't avoid them entirely, you can make sure every dollar you pay works in your favor. Most renters don't realize their largest monthly expense builds zero credit history. Traditional rent payments don't report to credit bureaus in Canada, which means perfect payment history counts for nothing when you apply for credit cards, car loans, or mortgages. [Neobanc's rent reporting](https://www.neobanc.com/rent-reporting) changes that. Your on-time rent payments get reported to credit bureaus, helping you build credit with money you're already spending. Plus, you can earn cashback on every rent payment. Facing a rent increase? At least make sure those payments strengthen your financial future. ### Start Building Credit With Your Rent Join 2,400+ Canadian renters earning cashback and building credit with every rent payment. No landlord involvement required. [Get Started Free →](https://www.neobanc.com/) ## Frequently Asked Questions **What is the rent increase guideline for 2025 in Ontario?** The Ontario rent increase guideline for 2025 is 2.5%. This is the maximum amount landlords can raise rent for most residential units without approval from the Landlord and Tenant Board. The guideline is calculated based on the Ontario Consumer Price Index and is capped at 2.5% regardless of actual inflation. **How much notice must my landlord give before raising rent?** Landlords must provide at least 90 days written notice before a rent increase takes effect. The notice must be given using the official Form N1 from the Landlord and Tenant Board. A text message, email, or verbal notice is not legally valid unless you've agreed to receive notices electronically. **Is my apartment exempt from rent control in Ontario?** Your unit is exempt from rent control if it was first occupied for residential purposes after November 15, 2018. This includes most new buildings, new additions to existing buildings, and new basement apartments completed after that date. If exempt, your landlord can raise rent by any amount with 90 days notice. **Can my landlord raise rent by more than 2.5%?** Yes, but only in specific circumstances. Landlords can apply to the Landlord and Tenant Board for an Above Guideline Increase using Form L5. Valid reasons include major capital expenditures, extraordinary municipal tax increases, or new security services. The maximum additional increase is 3% per year above the guideline. **What should I do if my landlord raises rent without proper notice?** If your landlord didn't provide 90 days notice or didn't use Form N1, the rent increase is invalid. You are not required to pay the higher amount. You can file a T1 application with the Landlord and Tenant Board within 12 months to dispute the illegal increase and potentially recover any overpayments. **How often can my landlord increase rent in Ontario?** Landlords can only increase rent once every 12 months. The increase must occur at least 12 months after either the start of your tenancy or your last rent increase, whichever is later. Any rent increase that happens sooner is illegal under the Residential Tenancies Act. **What is the rent increase guideline for 2026?** The Ontario rent increase guideline for 2026 has been set at 2.1%, lower than the 2025 guideline of 2.5%. This means landlords can raise rent by a maximum of 2.1% for increases taking effect in 2026. The guideline is announced by August 31st each year by the Ministry of Municipal Affairs and Housing. ‍ ## Read latest articles [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bcac96115797155393a_6939c0140fdeed2451be52fe_FirstTimeOntarioRental.webp)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ First-Time Renting in Ontario: Complete Beginner's Guide \[2026\]\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/first-time-renting-ontario-guide) [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bcab1a42568f5a8a57c_6939b3ad902a15624a020f9e_CreditScoreRentOntario.webp)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ What Credit Score Do You Need to Rent an Apartment in Ontario? \[2026 Guide\]\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario) [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bca152d423696a91934_6939aee1ca0b0cffaf4425c9_Tenant-Rights-Ontario-2026.png)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ Tenant Rights Ontario 2026: Complete RTA Guide\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/tenant-rights-ontario) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad124be_footer%20gradient.webp) ## Grow your savings, start earning cashback today [Join Neobanc\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Join Neobanc](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Farticles%2Fontario-rent-increase) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344d7a8bd3b3f01e2ebaa1_Neobanc%20Logo%20Horizontal-3.svg)](https://www.neobanc.com/) Turn everyday expenses into monthly rewards. 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[Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) [Complaints](https://www.neobanc.com/legal/complaints) Chat Widget ## Ontario Rent Increase 2026 [![Arrow ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b0_Button%20Arrow.svg)](https://www.neobanc.com/articles/ontario-rent-increase-2026#nav) ![UV Ray](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1243a_UV%20Ray.webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241b_Box%20(3).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12421_Box%20(5).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241a_Box%20(2).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241e_Box%20(4).webp) ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1237a_Icon.svg) January 13, 2026 # Ontario Rent Increase 2026: Maximum Guideline & What Renters Need to Know ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png) Neobanc ### Table of Contents [What is the 2026 Rent Increase Guideline?](https://www.neobanc.com/articles/ontario-rent-increase-2026#what-is-the-2026-rent-increase-guideline) [How 2026 Compares to Previous Years](https://www.neobanc.com/articles/ontario-rent-increase-2026#how-2026-compares-to-previous-years) [Is Your Unit Covered by the 2026 Guideline?](https://www.neobanc.com/articles/ontario-rent-increase-2026#is-your-unit-covered-by-the-2026-guideline) [Units Covered by the Guideline](https://www.neobanc.com/articles/ontario-rent-increase-2026#units-covered-by-the-guideline) [Units Exempt from Rent Control](https://www.neobanc.com/articles/ontario-rent-increase-2026#units-exempt-from-rent-control) [How to Check If Your Unit Is Exempt](https://www.neobanc.com/articles/ontario-rent-increase-2026#how-to-check-if-your-unit-is-exempt) [Rules Your Landlord Must Follow](https://www.neobanc.com/articles/ontario-rent-increase-2026#rules-your-landlord-must-follow) [90 Days' Written Notice](https://www.neobanc.com/articles/ontario-rent-increase-2026#90-days-written-notice) [Once Per 12 Months](https://www.neobanc.com/articles/ontario-rent-increase-2026#once-per-12-months) [Proper Form Required](https://www.neobanc.com/articles/ontario-rent-increase-2026#proper-form-required) [What If Your Landlord Raises Rent Above 2.1%?](https://www.neobanc.com/articles/ontario-rent-increase-2026#what-if-your-landlord-raises-rent-above-21percent) [Above Guideline Increases (AGI)](https://www.neobanc.com/articles/ontario-rent-increase-2026#above-guideline-increases-agi) [How to Challenge an Invalid Increase](https://www.neobanc.com/articles/ontario-rent-increase-2026#how-to-challenge-an-invalid-increase) [What If Your Unit Is Exempt?](https://www.neobanc.com/articles/ontario-rent-increase-2026#what-if-your-unit-is-exempt) [Tips for Ontario Tenants in 2026](https://www.neobanc.com/articles/ontario-rent-increase-2026#tips-for-ontario-tenants-in-2026) [Know Your Rights Before Renewal](https://www.neobanc.com/articles/ontario-rent-increase-2026#know-your-rights-before-renewal) [Budget for the Increase](https://www.neobanc.com/articles/ontario-rent-increase-2026#budget-for-the-increase) [Keep Records](https://www.neobanc.com/articles/ontario-rent-increase-2026#keep-records) [Rent Increases and Your Credit](https://www.neobanc.com/articles/ontario-rent-increase-2026#rent-increases-and-your-credit) ### Key Points Ontario's 2026 rent increase guideline is **2.1%**\- the lowest cap in four years, down from 2.5% in 2025 The guideline applies to most rental units first occupied **on or before November 15, 2018** Landlords must provide **90 days' written notice** using **Form N1** before any rent increase takes effect Rent can only increase **once every 12 months**, regardless of the guideline percentage Units first occupied **after November 2018 are exempt**\- landlords can raise rent by any amount with proper notice # Ontario Rent Increase 2026: Maximum Guideline & What Renters Need to Know Ontario has announced the rent increase guideline for 2026: **2.1%**. This is the lowest cap in four years, down from 2.5% in 2025. If you're renting in Ontario, this guide explains what the new guideline means for your rent, whether your unit is covered, and what to do if your landlord raises rent above the legal limit. **Quick Answer:** The maximum rent increase for most Ontario tenants in 2026 is 2.1%. This applies to units first occupied on or before November 15, 2018. Landlords must give 90 days' written notice using Form N1. If your unit was first occupied after November 2018, there is no cap - your landlord can raise rent by any amount with proper notice. ## What is the 2026 Rent Increase Guideline? The rent increase guideline is the maximum percentage landlords can raise rent each year without approval from the Landlord and Tenant Board (LTB). For 2026, that cap is **2.1%**. This means if your current rent is $2,000/month, your landlord can increase it by a maximum of $42, bringing your new rent to $2,042. The guideline is calculated using [Ontario's Consumer Price Index (CPI)](https://www.ontario.ca/page/residential-rent-increases) \- a measure of inflation based on the average cost of goods and services. The 2026 rate reflects CPI data from June 2023 to May 2024. The rent increase guideline is capped at 2.5% by law under the Residential Tenancies Act. Even if inflation exceeds 2.5%, landlords cannot charge more than the cap without applying for an Above Guideline Increase through the LTB. | Current Monthly Rent | Maximum 2026 Increase (2.1%) | New Monthly Rent | | --- | --- | --- | | $1,500 | $31.50 | $1,531.50 | | $1,800 | $37.80 | $1,837.80 | | $2,000 | $42.00 | $2,042.00 | | $2,200 | $46.20 | $2,246.20 | | $2,500 | $52.50 | $2,552.50 | ## How 2026 Compares to Previous Years The 2.1% guideline is the lowest since 2021, when Ontario froze rent increases at 0% during COVID-19. Here's how recent years compare: | Year | Rent Increase Guideline | Notes | | --- | --- | --- | | 2026 | 2.1% | Lowest in 4 years | | 2025 | 2.5% | Maximum cap applied | | 2024 | 2.5% | Maximum cap applied | | 2023 | 2.5% | Maximum cap applied | | 2022 | 1.2% | Post-COVID recovery | | 2021 | 0% | COVID-19 rent freeze | | 2020 | 2.2% | Pre-pandemic | For three consecutive years (2023-2025), the guideline hit the maximum 2.5% cap due to high inflation. The drop to 2.1% in 2026 reflects cooling inflation, providing some relief for Ontario renters. For a detailed breakdown of the 2025 rules, see our [Ontario Rent Increase 2025 guide](https://www.neobanc.com/articles/ontario-rent-increase-2025). ## Is Your Unit Covered by the 2026 Guideline? The 2.1% cap applies to most - but not all - rental units in Ontario. Here's how to determine if you're protected. ### Units Covered by the Guideline The rent increase guideline applies to most private residential rentals that were **first occupied on or before November 15, 2018**, including: - Apartments in older buildings - Rented houses and townhouses - Basement apartments (if the unit existed before November 2018) - Condos being rented out - Most social housing units (though different rules may apply) If your unit meets these criteria, your landlord cannot increase rent by more than 2.1% in 2026. ### Units Exempt from Rent Control Some units are **not covered** by the rent increase guideline. Landlords of these properties can raise rent by any amount with proper notice: - **New buildings first occupied after November 15, 2018** - **New basement apartments or additions completed after November 2018** - **Vacant units** (landlords can set any rent for a new tenant) - **Commercial properties** converted to residential after November 2018 - **Long-term care homes and certain community housing** If you moved into a newly built condo or purpose-built rental after November 2018, your unit is likely exempt. This is commonly called "vacancy decontrol" or the "post-2018 exemption." ### How to Check If Your Unit Is Exempt Not sure if your apartment is covered? Here's how to find out: 1. **Check your lease** \- Exempt units should include a clause stating rent control doesn't apply under Section 15 of the standard lease 2. **Ask your landlord** \- Request documentation proving when the building was first occupied 3. **Contact the LTB** \- File [Form A1](https://tribunalsontario.ca/ltb/forms/) (Application About Whether the Act Applies) if there's a dispute Landlords must prove the exemption if challenged. If they can't provide evidence the building was first occupied after November 15, 2018, the guideline likely applies. ## Rules Your Landlord Must Follow Even when raising rent within the guideline, landlords must follow strict legal requirements. An increase that doesn't meet these rules may be invalid. ### 90 Days' Written Notice Landlords must provide **at least 90 days' notice** before a rent increase takes effect. This notice must be delivered using the official **Form N1** (Notice of Rent Increase), available from the [Landlord and Tenant Board](https://tribunalsontario.ca/ltb/forms/). For example, if your landlord wants to increase rent on April 1, 2026, you must receive Form N1 by January 1, 2026 at the latest. ### Once Per 12 Months Rent can only increase **once every 12 months**. This means: - If your rent increased on March 1, 2025, the next increase cannot happen until March 1, 2026 - If you moved in on July 1, 2025, your rent cannot increase until at least July 1, 2026 The 12-month clock starts from either your move-in date or your last rent increase - whichever is more recent. ### Proper Form Required A rent increase notice must be delivered on **Form N1**. Verbal notices, text messages, emails, or informal letters are not valid. If your landlord doesn't use the correct form, the increase may not be enforceable. If you're in the process of applying for a new rental, our [Ontario Rental Application Form 410 guide](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide) explains what landlords can and cannot ask during the application process. ## What If Your Landlord Raises Rent Above 2.1%? If you receive a rent increase notice that exceeds the guideline, you have options. ### Above Guideline Increases (AGI) Landlords can apply to the LTB for an **Above Guideline Increase** in specific circumstances: - **Major capital repairs** \- Roof replacement, new windows, plumbing upgrades - **Significant increases in municipal taxes or charges** - **New or increased security services** Even with LTB approval, AGIs are typically capped at **3% above the guideline** \- meaning a maximum of 5.1% total for 2026. AGIs are often spread over multiple years to reduce the impact on tenants. If your landlord claims an AGI, you should receive notice of the LTB application. You have the right to attend the hearing and dispute the increase. ### How to Challenge an Invalid Increase If you believe a rent increase is illegal—whether it exceeds the guideline without approval, lacks proper notice, or comes too soon after the last increase - you can: 1. **Document everything** \- Keep copies of your lease, rent receipts, and all notices 2. **File Form T1** with the LTB - Application About a Rent Increase (available at [tribunalsontario.ca/ltb/forms](https://tribunalsontario.ca/ltb/forms/)) 3. **Continue paying your current rent** \- You're not required to pay an invalid increase 4. **Seek legal help** \- Contact [Community Legal Education Ontario (CLEO)](https://www.cleo.on.ca/) or a local tenant legal clinic You have **12 months** from the date of the increase to file a complaint with the LTB. ## What If Your Unit Is Exempt? If you live in a building first occupied after November 15, 2018, the 2.1% cap doesn't apply. Your landlord can raise rent by any amount. However, landlords of exempt units must still: - Provide **90 days' written notice** (Form N1 or equivalent) - Wait **12 months** between increases - Respect your existing lease terms until renewal If you're renting an exempt unit, negotiating a longer lease term can provide more rent stability. Some tenants ask for multi-year leases with predetermined annual increases written into the agreement. ### Rent Going Up? Make Every Payment Count. Your on-time rent payments don't automatically build credit in Canada. With Neobanc, you can report rent to credit bureaus and earn cashback on every payment—no landlord involvement required. [See How Rent Reporting Works →](https://www.neobanc.com/rent-credit-reporting) ## Tips for Ontario Tenants in 2026 ### Know Your Rights Before Renewal If your lease is coming up for renewal, review these points: - Check whether your unit is covered by rent control - Confirm your last rent increase date (12-month rule) - Request Form N1 if you receive a verbal or informal notice - Calculate the maximum increase to verify it's within the guideline ### Budget for the Increase Even a 2.1% increase affects your monthly budget. For a $2,000 rent, that's $504 more per year. Factor this into your financial planning for 2026. ### Keep Records Save all correspondence with your landlord, including: - Your original lease agreement - Form N1 notices - Rent receipts and payment confirmations - Any communications about repairs or rent changes These records are essential if you need to dispute an increase later. ## Rent Increases and Your Credit Here's something most renters don't realize: paying rent on time every month doesn't automatically build your credit score in Canada. Unlike mortgage payments, rent isn't reported to credit bureaus unless you take action. This matters because credit scores affect everything from future rental applications to car loans and mortgages. If you're paying $2,000+ per month in rent, that payment history could be working harder for you. With [rent reporting](https://www.neobanc.com/rent-credit-reporting), your on-time payments get reported to Equifax and TransUnion, helping you build credit with money you're already spending. You can even use our [rent cashback calculator](https://www.neobanc.com/rent-cashback-calculator) to see how much you could earn back on your payments. ‍ ### Your Rent Is Going Up—Make It Count. Most Canadians don't realize their on-time rent payments aren't building credit. With Neobanc, you can report rent to credit bureaus and earn up to 5% cashback on every payment. [Get Started Free →](https://www.neobanc.com/) Join 2,400+ Canadian renters earning on rent. ## Read latest articles [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bcac96115797155393a_6939c0140fdeed2451be52fe_FirstTimeOntarioRental.webp)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ First-Time Renting in Ontario: Complete Beginner's Guide \[2026\]\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/first-time-renting-ontario-guide) [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bcab1a42568f5a8a57c_6939b3ad902a15624a020f9e_CreditScoreRentOntario.webp)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ What Credit Score Do You Need to Rent an Apartment in Ontario? \[2026 Guide\]\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario) [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bca152d423696a91934_6939aee1ca0b0cffaf4425c9_Tenant-Rights-Ontario-2026.png)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ Tenant Rights Ontario 2026: Complete RTA Guide\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/tenant-rights-ontario) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad124be_footer%20gradient.webp) ## Grow your savings, start earning cashback today [Join Neobanc\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Join Neobanc](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Farticles%2Fontario-rent-increase-2026) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344d7a8bd3b3f01e2ebaa1_Neobanc%20Logo%20Horizontal-3.svg)](https://www.neobanc.com/) Turn everyday expenses into monthly rewards. 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[Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) [Complaints](https://www.neobanc.com/legal/complaints) Chat Widget ## Ontario Rental Application Guide [![Arrow ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b0_Button%20Arrow.svg)](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#nav) ![UV Ray](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1243a_UV%20Ray.webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241b_Box%20(3).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12421_Box%20(5).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241a_Box%20(2).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241e_Box%20(4).webp) ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1237a_Icon.svg) January 16, 2026 # Ontario Rental Application Form 410: Complete OREA Guide \[2026\] ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png) Neobanc ### Table of Contents [What is OREA Form 410?](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#what-is-orea-form-410) [Where to Get Form 410](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#where-to-get-form-410) [How to Fill Out Form 410: Section-by-Section Guide](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#how-to-fill-out-form-410-section-by-section-guide) [Section 1: Property and Lease Details](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#section-1-property-and-lease-details) [Section 2: Personal Information](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#section-2-personal-information) [Section 3: Current and Previous Residence](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#section-3-current-and-previous-residence) [Section 4: Employment and Income](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#section-4-employment-and-income) [Section 5: Financial Obligations](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#section-5-financial-obligations) [Section 6: References](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#section-6-references) [Section 7: Pets and Vehicles](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#section-7-pets-and-vehicles) [Section 8: Declaration and Consent (Critical)](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#section-8-declaration-and-consent-critical) [What Landlords Actually Check on Form 410](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#what-landlords-actually-check-on-form-410) [Credit Score and Credit Report](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#credit-score-and-credit-report) [Income-to-Rent Ratio](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#income-to-rent-ratio) [Rental History](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#rental-history) [Employment Stability](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#employment-stability) [Common Form 410 Mistakes to Avoid](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#common-form-410-mistakes-to-avoid) [Tips for Getting Your Application Approved](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#tips-for-getting-your-application-approved) [For Applicants with Good Credit](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#for-applicants-with-good-credit) [For Applicants with No or Low Credit](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#for-applicants-with-no-or-low-credit) [For Newcomers to Canada](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#for-newcomers-to-canada) [General Application Tips](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#general-application-tips) [What Happens After Submitting Form 410](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#what-happens-after-submitting-form-410) [If Your Application is Approved](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#if-your-application-is-approved) [If Your Application is Rejected](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#if-your-application-is-rejected) [Frequently Asked Questions](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#frequently-asked-questions) [Is Form 410 legally required in Ontario?](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#is-form-410-legally-required-in-ontario) [Do I have to provide my SIN number on Form 410?](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#do-i-have-to-provide-my-sin-number-on-form-410) [Can landlords charge me an application fee?](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#can-landlords-charge-me-an-application-fee) [What credit score do I need to pass the Form 410 credit check?](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#what-credit-score-do-i-need-to-pass-the-form-410-credit-check) [Can I rent an apartment with no credit history?](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#can-i-rent-an-apartment-with-no-credit-history) [How long does the Form 410 application process take?](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#how-long-does-the-form-410-application-process-take) [Is Form 410 the same as a lease agreement?](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#is-form-410-the-same-as-a-lease-agreement) [Can landlords reject my application based on pets?](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#can-landlords-reject-my-application-based-on-pets) [What if I made a mistake on Form 410 after submitting?](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#what-if-i-made-a-mistake-on-form-410-after-submitting) [Can I use the same Form 410 for multiple applications?](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#can-i-use-the-same-form-410-for-multiple-applications) [Conclusion](https://www.neobanc.com/articles/ontario-rental-application-form-410-orea-guide#conclusion) ### Key Points - Form 410 is Ontario's standardized rental application used by most landlords and real estate agents across the province - Landlords check credit scores (660+ preferred), income-to-rent ratios (rent should be <30% of income), rental history, and employment stability - The form takes 15-30 minutes to complete and requires government ID, employment verification, references, and credit check consent - Common mistakes include providing inaccurate income, leaving SIN field blank without explanation, not informing references, and submitting incomplete applications - Applicants with no credit can strengthen applications by offering larger deposits, getting co-signers, providing extra references, or building credit through rent reporting Filling out Form 410 for the first time? You're not alone. Thousands of Ontario renters face this standardized application every year. Many worry about the credit check section or wonder if they're providing the right information. This guide walks you through every section of Form 410. You'll learn what landlords actually look for, how to avoid common mistakes, and what to do if you have no credit history. Whether you're a first-time renter or moving to a new place, this article helps you complete your application with confidence. **Quick Answer:** Form 410 is Ontario's standardized rental application created by OREA. It collects your personal info, employment details, and rental history, and authorizes credit checks. You need a government ID, an employment letter, references, and consent for a credit check. The form takes 15-30 minutes to complete. ### Stop Throwing Money Away on Rent 1-5% Cashback Get instant cashback on every rent payment + build your credit score [Start Earning Cashback →](https://app.neobanc.com/signup?utm_campaign=rent_cta&utm_term=ontario-rental-application-form-410-orea-guide&utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Farticles%2Fontario-rental-application-form-410-orea-guide) No fees • No landlord permission needed • 2,240+ renters already earning ## What is OREA Form 410? Form 410 is the official rental application used across Ontario. The Ontario Real Estate Association (OREA) created this standardized form to streamline the tenant selection process. Landlords and real estate agents use it to gather consistent information from all applicants. The form is not legally required, but most landlords prefer it. Using a standardized form ensures they collect the same information from every applicant. This makes comparing candidates easier and more fair. **Important:** Form 410 is an application, not a lease agreement. Even after your application is approved, you'll sign a separate lease. For most residential tenancies, landlords must use the [standard lease template](https://forms.mgcs.gov.on.ca/en/dataset/047-2229) developed by the Government of Ontario. | Form 410 Quick Facts | Details | | --- | --- | | Official Name | OREA Form 410 - Rental Application Residential | | Created By | Ontario Real Estate Association (OREA) | | Cost | Free | | Time to Complete | 15-30 minutes | | Legally Binding? | No (application only, not a lease) | ## Where to Get Form 410 You can download Form 410 for free. Most landlords provide the form directly when you express interest in their property. Real estate agents also have copies available. [**Download Form 410 here**](https://crm.agentlocator.ca/UserFiles/6396/files/(Ontario)%20410%20-%20Rental%20Application%20-%20Residential%20(5)%20(2).pdf) (PDF, free download) Never pay for Form 410. The form is free and widely available. Be cautious of websites charging fees for standard rental forms. After your application is approved, landlords must use [Ontario's official standard lease form](https://forms.mgcs.gov.on.ca/en/dataset/047-2229) for most residential rentals. This government-mandated template protects both tenants and landlords. #### How to Fill Out Form 410: Section-by-Section Guide Let's walk through each section of Form 410. Knowing what to include helps you complete the form accurately and quickly. ### Section 1: Property and Lease Details Start by filling in the rental property address. Include the complete address with unit number if applicable. Add your intended move-in date and the monthly rent amount you've agreed upon with the landlord. Specify which day of the month rent is due. Most leases require payment on the first of each month. Double-check these details match what you discussed with the landlord. ### Section 2: Personal Information Provide your full legal name as it appears on government ID. Include your current address, phone number, and email address. Make sure you use contact information you check regularly. You'll need to provide your date of birth, driver's license number, and occupation. The form also asks for your Social Insurance Number (SIN), but this field is optional. **Privacy Tip:** Your SIN number is optional on Form 410. Landlords cannot require it. You can leave this field blank. Providing it may speed up credit checks, but it's your choice. List your occupation and current employer. If you're self-employed, indicate that clearly. This information helps landlords understand your employment stability. ### Section 3: Current and Previous Residence List your current address and how long you've lived there. Include your current landlord's name and contact information. Be prepared for landlords to contact your current or previous landlord for a reference. Explain your reason for moving. Common reasons include job relocation, need for more space, or desire to change neighborhoods. Be honest - landlords can verify this information. If you're currently living with family or friends, explain your living situation clearly. Transparency helps landlords understand your rental history. ### Section 4: Employment and Income Provide detailed employment information. Include your employer's name, business address, and phone number. List your job title and how long you've worked there. State your monthly or annual income. Be accurate - landlords will verify this through pay stubs or employment letters. If you have multiple income sources, include them all. **Income Verification:** Most landlords request 2-3 recent pay stubs. If you're self-employed, be ready to provide tax returns or business financial statements. ### Section 5: Financial Obligations List your monthly debt payments. Include car loans, student loans, credit card minimum payments, and any other financial obligations. This section helps landlords calculate your debt-to-income ratio. Landlords want to ensure you can afford rent after paying your existing debts. Be honest about your obligations. Credit checks will reveal this information anyway. ### Section 6: References Provide 2-3 personal or professional references. Include their full names, phone numbers, and how they know you. Good references include former landlords, employers, or professional colleagues. **Important:** Ask permission before listing someone as a reference. Give them a heads-up that a landlord might contact them. Verify you have their current phone number. Choose references who can speak positively about your character and reliability. Former landlords who can confirm you paid rent on time are especially valuable. ### Section 7: Pets and Vehicles If you have pets, list them on the form. Include the type of pet, breed, size, and age. Be honest about pets - hiding them can lead to lease termination later. Note: While landlords can ask about pets during the application process, [Ontario tenant rights](https://www.ontario.ca/page/renting-ontario-your-rights) state that "no pets" clauses in signed leases are unenforceable. List any vehicles you own. Include the make, model, year, and license plate number. This information helps landlords allocate parking spaces. ### Section 8: Declaration and Consent (Critical) Read this section carefully before signing. By signing, you confirm that all information provided is accurate. You're also authorizing the landlord to conduct credit and background checks. The landlord can contact your references, current employer, and previous landlords to verify information. You're giving permission for these checks by signing the form. Provide your phone number and email address again in this section. The landlord uses this information to reach you with updates about your application. **Concerned about credit checks?** Many Canadian renters struggle with limited credit history. If you're worried about this section, consider [how rent reporting works](https://www.neobanc.com/rent-reporting) to build credit with payments you're already making. ## What Landlords Actually Check on Form 410 Understanding what landlords look for helps you prepare a stronger application. Here's what they review when assessing your Form 410. ### Credit Score and Credit Report Landlords conduct credit checks to assess your financial reliability. They review your payment history, outstanding debts, and any collections or bankruptcies. Most Ontario landlords look for a [credit score of 660 or higher](https://borrowell.com/blog/what-credit-score-do-you-need-to-rent-an-apartment), though requirements vary by market. In competitive cities like Toronto and Vancouver, landlords often prefer scores of 700 or above. In smaller cities, scores of 600-650 may be acceptable. Credit reports show landlords your payment patterns. Late payments, defaults, or accounts in collections raise red flags. They want tenants who pay bills on time consistently. **Building credit as a renter?** Traditional rent payments don't automatically report to credit bureaus in Canada. Learn about [building credit with your rent payments](https://www.neobanc.com/rent-reporting) to strengthen future applications. ### Income-to-Rent Ratio Landlords calculate your debt-to-income ratio. They want to ensure you can comfortably afford rent after paying existing obligations. Most prefer that rent costs no more than 30% of your gross monthly income. For example, if monthly rent is $2,000, landlords typically want to see monthly income of at least $6,600 (or $79,200 annually). In competitive markets, some landlords accept ratios up to 40%. | Monthly Rent | Ideal Monthly Income | Minimum Annual Income | | --- | --- | --- | | $1,500 | $5,000 | $60,000 | | $2,000 | $6,600 | $79,200 | | $2,500 | $8,300 | $99,600 | ### Rental History Landlords contact your previous landlords to verify your rental history. They ask about payment consistency, property care, and reasons for leaving. Strong references from previous landlords significantly boost your application. Landlords want tenants who pay rent on time, maintain the property well, and communicate effectively. Any history of late payments, property damage, or disputes weakens your application. ### Employment Stability Consistent employment history signals financial stability. Landlords prefer tenants with at least one year at their current job. Frequent job changes or employment gaps raise concerns about income reliability. If you've recently changed jobs but stayed in the same field, explain this in a cover letter. Career advancement is viewed positively. ## Common Form 410 Mistakes to Avoid These mistakes can hurt your chances of approval. Avoid these common errors when completing Form 410. **1\. Providing inaccurate income information** Rounding up your income might seem harmless, but it's dishonest. Landlords verify income through pay stubs. Exaggerating earnings damages your credibility and can lead to immediate rejection. **2\. Leaving the SIN field blank without explanation** While SIN numbers are optional, some landlords may question why you left it blank. If you choose not to provide it, mention you're exercising your privacy rights. Offer alternative verification methods. **3\. Not informing your references** References receive calls within days of your application. Unprepared references may give lukewarm recommendations. Always ask permission before listing someone and give them context about the property. **4\. Incomplete or rushed applications** Messy handwriting, missing information, or rushed applications signal carelessness. Take time to complete the form neatly and thoroughly. Type it if possible for maximum clarity. **5\. Hiding pets or misrepresenting situations** Dishonesty about pets, income, or rental history will be discovered. [Ontario's Residential Tenancies Act](https://www.ontario.ca/page/renting-ontario-your-rights) provides protections for pet owners, so be truthful from the start. **6\. Forgetting supporting documents** Applications without pay stubs, employment letters, or ID copies slow the process. Prepare these documents before starting your application. Submit a complete package. ## Tips for Getting Your Application Approved Strengthen your Form 410 application with these strategies. ### For Applicants with Good Credit Apply early when properties first list. Landlords often review applications as they arrive. Being first can give you an advantage in competitive markets. Offer additional references beyond what's required. Three solid references are better than two. Include a mix of professional and personal contacts. Consider writing a brief cover letter. Introduce yourself, explain why you're interested in the property, and highlight your strengths as a tenant. This personal touch sets you apart. ### For Applicants with No or Low Credit [Start building credit before your next application](https://www.neobanc.com/cashback-on-rent) by reporting your current rent payments. This doesn't require landlord permission and can strengthen your credit file. **Alternative strategies:** - Offer a larger rent deposit within legal limits (maximum one month's rent in Ontario) - Find a co-signer with strong credit who agrees to guarantee your rent payments - Provide extra references, including employers and professional contacts - Show bank statements demonstrating savings equal to several months' rent - Write a cover letter explaining your financial situation honestly ### For Newcomers to Canada Credit history doesn't transfer from other countries. This puts newcomers at a disadvantage. Explain your situation clearly in a cover letter. Provide international references if possible. Former landlords or employers from your home country can vouch for your reliability. Include proof of funds showing you have savings to cover rent. Learn [how newcomers can build Canadian credit](https://www.neobanc.com/cashback-on-rent) using rent payments. This helps establish credit history quickly. ### General Application Tips Respond to landlord inquiries immediately. Quick responses show you're serious and reliable. Check your email and phone regularly after submitting applications. Dress professionally for property viewings. First impressions matter. Arriving on time and presenting yourself well signals you're a responsible tenant. Prepare all documents in advance. Have pay stubs, employment letters, ID copies, and reference contacts ready. Don't make landlords wait for basic information. ## What Happens After Submitting Form 410 Here's the typical timeline after submitting your application. **Days 1-2:** Landlords review your application and contact your references. They verify employment and previous rental history. **Days 3-5:** Credit check is conducted with your consent. Landlords review your credit report and score. **Days 5-7:** Decision is made. Landlords compare all applicants and select the best fit. ### If Your Application is Approved Congratulations! The landlord will send you a lease agreement to review. Ontario law requires most landlords to use the standard lease template. Review the lease carefully before signing. Ensure all terms match what you discussed. Pay attention to move-in dates, rent amount, and any special conditions. You'll need to pay first and last month's rent before moving in. Landlords cannot request more than this in Ontario. Any key deposit must be refundable and limited to the actual cost of replacement. ### If Your Application is Rejected Landlords are not required to explain why applications are rejected. However, you can politely ask for feedback. Understanding the reason helps you improve future applications. Common rejection reasons include insufficient income, poor credit, negative rental history, or stronger competing applications. If your credit was the issue, take steps to [strengthen your credit profile](https://www.neobanc.com/) before applying again. Consider these alternatives after rejection: - Look in less competitive neighborhoods where standards may be more flexible - Search for private landlords rather than property management companies - Find a roommate to share costs and strengthen the application - Give yourself time to improve credit before applying again ## Frequently Asked Questions ### Is Form 410 legally required in Ontario? No. Form 410 is not legally mandated, but it's the standard application form used by most Ontario landlords and real estate agents. Landlords can use any application form they choose. The standardization of Form 410 makes the process consistent across the province. ### Do I have to provide my SIN number on Form 410? No, your SIN is optional. Landlords cannot require it. Some landlords request it to speed up credit checks, but you have the right to decline. You can leave this field blank without penalty. ### Can landlords charge me an application fee? No. Ontario landlords cannot charge application fees, credit check fees, or any processing fees. The only legal charges are first and last month's rent and a refundable key deposit (limited to key replacement cost). ### What credit score do I need to pass the Form 410 credit check? Most Ontario landlords prefer credit scores of 660 or higher. In Toronto, Vancouver, and other competitive markets, scores of 700 or above improve your chances significantly. However, landlords consider multiple factors beyond credit score, including income, rental history, and references. ### Can I rent an apartment with no credit history? Yes, but it's more challenging. Options include getting a co-signer, offering a larger deposit, providing strong employment and personal references, or showing bank statements with substantial savings. Many renters build credit through rent reporting to strengthen future applications. ### How long does the Form 410 application process take? Filling out the form takes 15-30 minutes. After submission, landlords typically respond within 5-7 days. This includes time for reference checks and credit verification. In competitive markets, decisions may come faster. ### Is Form 410 the same as a lease agreement? No. Form 410 is an application to rent, not a binding lease. Even after approval, you must sign a separate lease agreement. The [Ontario Landlord and Tenant Board](https://tribunalsontario.ca/ltb/) requires landlords to use the standard lease template for most residential rentals. ### Can landlords reject my application based on pets? Legally, "no pets" clauses in signed leases are unenforceable in Ontario. However, during the application stage, landlords can choose not to rent to you for various reasons. They don't have to disclose why they rejected your application. ### What if I made a mistake on Form 410 after submitting? Contact the landlord immediately and provide a corrected version. Minor errors like typos are usually acceptable. However, material misrepresentations about income, employment, or rental history can result in rejection or future lease termination. ### Can I use the same Form 410 for multiple applications? You can reuse your personal information, but update the property-specific details for each application. Each Form 410 should have the correct rental address, move-in date, and rent amount for the property you're applying to. Generic applications are obvious and hurt your chances. ## Conclusion Form 410 is Ontario's standard rental application. Taking 15-30 minutes to complete, it collects essential information landlords need to evaluate tenants. Completing it accurately and honestly gives you the best chance of approval. Landlords assess credit scores, income-to-rent ratios, rental history, and employment stability. Strong applications include all required documentation, accurate information, and solid references. Avoid common mistakes like exaggerating income or hiding important information. If you have limited credit history, consider building credit through rent reporting. This strengthens future applications without requiring landlord involvement. **Building credit as a renter?** Most landlords check credit scores on Form 410, but your rent payments don't automatically build credit in Canada. Neobanc helps renters turn monthly rent into credit history - no landlord involvement required. **Learn how rent reporting works** \- [neobanc.com/rent-reporting](https://www.neobanc.com/rent-reporting) ## Read latest articles [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bcac96115797155393a_6939c0140fdeed2451be52fe_FirstTimeOntarioRental.webp)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ First-Time Renting in Ontario: Complete Beginner's Guide \[2026\]\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/first-time-renting-ontario-guide) [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bcab1a42568f5a8a57c_6939b3ad902a15624a020f9e_CreditScoreRentOntario.webp)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ What Credit Score Do You Need to Rent an Apartment in Ontario? \[2026 Guide\]\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario) [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bca152d423696a91934_6939aee1ca0b0cffaf4425c9_Tenant-Rights-Ontario-2026.png)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ Tenant Rights Ontario 2026: Complete RTA Guide\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/tenant-rights-ontario) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad124be_footer%20gradient.webp) ## Grow your savings, start earning cashback today [Join Neobanc\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Join Neobanc](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Farticles%2Fontario-rental-application-form-410-orea-guide) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344d7a8bd3b3f01e2ebaa1_Neobanc%20Logo%20Horizontal-3.svg)](https://www.neobanc.com/) Turn everyday expenses into monthly rewards. 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[Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) [Complaints](https://www.neobanc.com/legal/complaints) Chat Widget ## Ontario Rent Control Guide [![Arrow ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b0_Button%20Arrow.svg)](https://www.neobanc.com/articles/rent-control-ontario#nav) ![UV Ray](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1243a_UV%20Ray.webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241b_Box%20(3).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12421_Box%20(5).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241a_Box%20(2).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241e_Box%20(4).webp) ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1237a_Icon.svg) December 8, 2025 # Rent Control in Ontario: Everything Tenants Need to Know ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png) Neobanc ### Table of Contents [What is the Ontario Rent Increase Guideline?](https://www.neobanc.com/articles/rent-control-ontario#what-is-the-ontario-rent-increase-guideline) [How Much Can Rent Increase in Ontario in 2025?](https://www.neobanc.com/articles/rent-control-ontario#how-much-can-rent-increase-in-ontario-in-2025) [Does the Rent Increase Guideline Apply to Your Unit?](https://www.neobanc.com/articles/rent-control-ontario#does-the-rent-increase-guideline-apply-to-your-unit) [Units Protected by Rent Control](https://www.neobanc.com/articles/rent-control-ontario#units-protected-by-rent-control) [Units Exempt from Rent Control](https://www.neobanc.com/articles/rent-control-ontario#units-exempt-from-rent-control) [What Notice Must Landlords Provide?](https://www.neobanc.com/articles/rent-control-ontario#what-notice-must-landlords-provide) [90 Days Written Notice](https://www.neobanc.com/articles/rent-control-ontario#90-days-written-notice) [Once Every 12 Months](https://www.neobanc.com/articles/rent-control-ontario#once-every-12-months) [What Valid Notice Looks Like](https://www.neobanc.com/articles/rent-control-ontario#what-valid-notice-looks-like) [Can Landlords Increase Rent More Than 2.5%?](https://www.neobanc.com/articles/rent-control-ontario#can-landlords-increase-rent-more-than-25percent) [Reasons for Above Guideline Increases](https://www.neobanc.com/articles/rent-control-ontario#reasons-for-above-guideline-increases) [Your Rights During an AGI Application](https://www.neobanc.com/articles/rent-control-ontario#your-rights-during-an-agi-application) [What If Your Landlord Raises Rent Illegally?](https://www.neobanc.com/articles/rent-control-ontario#what-if-your-landlord-raises-rent-illegally) [Common Illegal Rent Increases](https://www.neobanc.com/articles/rent-control-ontario#common-illegal-rent-increases) [How to Dispute an Illegal Increase](https://www.neobanc.com/articles/rent-control-ontario#how-to-dispute-an-illegal-increase) [Keep Records](https://www.neobanc.com/articles/rent-control-ontario#keep-records) [Ontario Rent Increase History: 2020-2026](https://www.neobanc.com/articles/rent-control-ontario#ontario-rent-increase-history-2020-2026) [Make Your Rent Work Harder](https://www.neobanc.com/articles/rent-control-ontario#make-your-rent-work-harder) [Frequently Asked Questions](https://www.neobanc.com/articles/rent-control-ontario#frequently-asked-questions) ### Key Points - Rent control in Ontario applies to most units first occupied before November 15, 2018—the building's first occupancy date determines your status, not when you moved in - The 2025 rent increase guideline is 2.5%, which is the maximum landlords can raise rent without Landlord and Tenant Board approval - Vacancy decontrol allows landlords to set any rent between tenants, even in rent-controlled buildings—only your tenancy is protected, not the unit's price - Units exempt from rent control still have protections under the Residential Tenancies Act, including 90-day notice and once-per-year increase limits - If you're unsure whether your unit is rent-controlled, ask your landlord in writing or file Form A1 with the Landlord and Tenant Board for a determination # Ontario Rent Increase 2025: Rules, Limits & What Tenants Should Know Rent going up this year? You're not alone. Every year, thousands of Ontario tenants receive rent increase notices and wonder whether the amount is legal. Understanding the rules protects you from paying more than you should. This guide explains Ontario's 2025 rent increase guideline, who it applies to, how much notice landlords must provide, and what to do if your landlord raises rent illegally. Whether you're in a rent-controlled unit or a newer building, you'll know exactly where you stand. **Quick Answer:** Ontario's rent increase guideline for 2025 is 2.5%. Landlords must provide 90 days written notice using Form N1 before raising rent. This limit applies to most rental units first occupied before November 15, 2018. Units built after that date are exempt from rent control. The 2026 guideline has been set at 2.1%. ## What is the Ontario Rent Increase Guideline? The rent increase guideline is the maximum percentage landlords can raise rent each year without approval from the [Landlord and Tenant Board](https://tribunalsontario.ca/ltb/). The Ontario government sets this limit annually based on the Ontario Consumer Price Index, which measures inflation. The guideline applies to most private residential rental units covered by the Residential Tenancies Act. This includes apartments, houses, condos, and basement units rented out by landlords. Each year, the Ministry of Municipal Affairs and Housing announces the guideline by August 31st. The rate takes effect on January 1st and applies to all rent increases during that calendar year. Even if inflation rises above the guideline, landlords cannot exceed this cap without going through an approval process. ## How Much Can Rent Increase in Ontario in 2025? The rent increase guideline for 2025 is **2.5%**. This means if you pay $2,000 per month, your landlord can raise your rent by a maximum of $50, bringing your new rent to $2,050. The 2.5% guideline is actually the maximum allowed by law. The Residential Tenancies Act caps the guideline at 2.5% regardless of how high inflation actually is. In years when inflation exceeds 2.5%, tenants are protected from larger increases. Looking ahead, the 2026 guideline has been announced at 2.1%, slightly lower than 2025. This reflects the calculation based on Ontario's Consumer Price Index from June 2023 to May 2024. \[PLACEHOLDER FOR TABLE #1: Rent Increase Calculation Examples\] ## Does the Rent Increase Guideline Apply to Your Unit? Not all rental units in Ontario are protected by the 2.5% guideline. The key date is **November 15, 2018**. Units first occupied for residential purposes after this date are exempt from rent control. If you moved into a brand new building after November 15, 2018, your landlord can raise rent by any amount with proper notice. This applies even if you're not the first tenant in that specific unit, as long as the building itself was first occupied after that date. ### Units Protected by Rent Control Your unit is likely rent-controlled if it was first occupied before November 15, 2018. This includes most older apartment buildings, houses converted to rentals before that date, and basement apartments that existed before then. For these units, landlords cannot increase rent by more than the guideline without Landlord and Tenant Board approval. ### Units Exempt from Rent Control Several types of housing are exempt from the rent increase guideline. According to the [Ontario government's official guidelines](https://www.ontario.ca/page/residential-rent-increases), exempt units include: - New buildings and units first occupied after November 15, 2018 - Community housing and non-profit housing cooperatives - Long-term care homes and retirement homes - Commercial properties with living quarters attached \[PLACEHOLDER FOR TABLE #2: Rent Control Status by Unit Type\] If you're unsure whether your unit is rent-controlled, check your lease or ask your landlord when the building was first occupied. You can also contact the Landlord and Tenant Board for clarification. ## What Notice Must Landlords Provide? Landlords must follow specific rules when raising rent. Failing to meet these requirements makes the rent increase invalid, and you're not required to pay the higher amount. ### 90 Days Written Notice Landlords must provide at least 90 days written notice before a rent increase takes effect. The notice must be given using the official **Form N1**, available from the [Landlord and Tenant Board website](https://tribunalsontario.ca/ltb/forms/). A text message, email, or verbal conversation is not legally valid notice unless you have previously agreed in writing to receive notices electronically. If your landlord slides a handwritten note under your door, that's also invalid. Only Form N1 counts. ### Once Every 12 Months Landlords can only increase rent once every 12 months. The increase must occur at least 12 months after either the start of your tenancy or your last rent increase, whichever is later. For example, if your lease started on March 1, 2024, your landlord cannot raise rent until March 1, 2025 at the earliest. And they would need to give you notice by December 1, 2024 (90 days before) for the increase to be valid. ### What Valid Notice Looks Like A proper rent increase notice includes the correct Form N1, the date the increase takes effect, the new rent amount, the landlord's signature, and delivery at least 90 days before the effective date. If any of these elements are missing, you can dispute the notice. ## Can Landlords Increase Rent More Than 2.5%? Yes, but only in specific circumstances. Landlords can apply to the Landlord and Tenant Board for an **Above Guideline Increase (AGI)** if they have qualifying reasons. ### Reasons for Above Guideline Increases The Landlord and Tenant Board may approve increases above 2.5% for extraordinary increases in municipal taxes or charges, major capital expenditures like a new roof, elevator repairs, or plumbing replacement, and operating costs related to security services. Landlords must apply using **Form L5** and provide documentation proving these costs. The maximum additional increase is 3% per year above the guideline, and the landlord can phase in larger amounts over multiple years. ### Your Rights During an AGI Application If your landlord applies for an Above Guideline Increase, you have the right to receive written notice of the application, attend the hearing at the Landlord and Tenant Board, present evidence disputing the landlord's claims, and request an inspection of the work completed. Many AGI applications are disputed successfully when tenants can show the work was unnecessary, overpriced, or already required as part of normal maintenance. The [Advocacy Centre for Tenants Ontario (ACTO)](https://www.acto.ca/) provides resources for tenants facing AGI applications. ## What If Your Landlord Raises Rent Illegally? If your landlord didn't follow the proper rules, you have options. An illegal rent increase is void, and you're not required to pay the higher amount. ### Common Illegal Rent Increases Rent increases are illegal if notice was given less than 90 days before the effective date, the landlord didn't use Form N1, the increase exceeds 2.5% without LTB approval (for rent-controlled units), rent was increased more than once in 12 months, or rent was increased during the first 12 months of your tenancy. ### How to Dispute an Illegal Increase First, continue paying your original rent amount. You are not required to pay an invalid increase. Second, contact your landlord in writing explaining why the increase is invalid. Third, if the landlord insists, file a **T1 Application** with the Landlord and Tenant Board within 12 months to dispute the increase and recover any overpayments. The LTB can order your landlord to return any excess rent you paid, plus interest. ### Keep Records Document everything. Save copies of your lease, all rent increase notices, payment records, and any communication with your landlord. These records protect you if you need to file a dispute. \[PLACEHOLDER FOR CTA #1: Mid-Article CTA\] ## Ontario Rent Increase History: 2020-2026 Understanding recent trends helps you see where rent increases are heading. Here's how the guideline has changed over the past several years: \[PLACEHOLDER FOR TABLE #3: Ontario Rent Increase History 2020-2026\] The 2021 rent freeze was a one-time measure during the COVID-19 pandemic. Since then, inflation has pushed the guideline to its maximum 2.5% cap for three consecutive years. The 2026 rate of 2.1% reflects slightly lower inflation in the calculation period. ## Make Your Rent Work Harder Rent increases are part of renting in Ontario. While you can't avoid them entirely, you can make sure every dollar you pay works in your favor. Most renters don't realize their largest monthly expense builds zero credit history. Traditional rent payments don't report to credit bureaus in Canada, which means perfect payment history counts for nothing when you apply for credit cards, car loans, or mortgages. [Neobanc's rent reporting](https://www.neobanc.com/rent-reporting) changes that. Your on-time rent payments get reported to credit bureaus, helping you build credit with money you're already spending. Plus, you can earn cashback on every rent payment. Facing a rent increase? At least make sure those payments strengthen your financial future. \[PLACEHOLDER FOR CTA #2: End-of-Article CTA\] ## Frequently Asked Questions **What is the rent increase guideline for 2025 in Ontario?** The Ontario rent increase guideline for 2025 is 2.5%. This is the maximum amount landlords can raise rent for most residential units without approval from the Landlord and Tenant Board. The guideline is calculated based on the Ontario Consumer Price Index and is capped at 2.5% regardless of actual inflation. **How much notice must my landlord give before raising rent?** Landlords must provide at least 90 days written notice before a rent increase takes effect. The notice must be given using the official Form N1 from the Landlord and Tenant Board. A text message, email, or verbal notice is not legally valid unless you've agreed to receive notices electronically. **Is my apartment exempt from rent control in Ontario?** Your unit is exempt from rent control if it was first occupied for residential purposes after November 15, 2018. This includes most new buildings, new additions to existing buildings, and new basement apartments completed after that date. If exempt, your landlord can raise rent by any amount with 90 days notice. **Can my landlord raise rent by more than 2.5%?** Yes, but only in specific circumstances. Landlords can apply to the Landlord and Tenant Board for an Above Guideline Increase using Form L5. Valid reasons include major capital expenditures, extraordinary municipal tax increases, or new security services. The maximum additional increase is 3% per year above the guideline. **What should I do if my landlord raises rent without proper notice?** If your landlord didn't provide 90 days notice or didn't use Form N1, the rent increase is invalid. You are not required to pay the higher amount. You can file a T1 application with the Landlord and Tenant Board within 12 months to dispute the illegal increase and potentially recover any overpayments. **How often can my landlord increase rent in Ontario?** Landlords can only increase rent once every 12 months. The increase must occur at least 12 months after either the start of your tenancy or your last rent increase, whichever is later. Any rent increase that happens sooner is illegal under the Residential Tenancies Act. **What is the rent increase guideline for 2026?** The Ontario rent increase guideline for 2026 has been set at 2.1%, lower than the 2025 guideline of 2.5%. This means landlords can raise rent by a maximum of 2.1% for increases taking effect in 2026. The guideline is announced by August 31st each year by the Ministry of Municipal Affairs and Housing. ‍ ## Read latest articles [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bcac96115797155393a_6939c0140fdeed2451be52fe_FirstTimeOntarioRental.webp)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ First-Time Renting in Ontario: Complete Beginner's Guide \[2026\]\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/first-time-renting-ontario-guide) [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bcab1a42568f5a8a57c_6939b3ad902a15624a020f9e_CreditScoreRentOntario.webp)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ What Credit Score Do You Need to Rent an Apartment in Ontario? \[2026 Guide\]\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario) [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bca152d423696a91934_6939aee1ca0b0cffaf4425c9_Tenant-Rights-Ontario-2026.png)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ Tenant Rights Ontario 2026: Complete RTA Guide\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/tenant-rights-ontario) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad124be_footer%20gradient.webp) ## Grow your savings, start earning cashback today [Join Neobanc\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Join Neobanc](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Farticles%2Frent-control-ontario) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344d7a8bd3b3f01e2ebaa1_Neobanc%20Logo%20Horizontal-3.svg)](https://www.neobanc.com/) Turn everyday expenses into monthly rewards. 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Tenant Rights Ontario 2026: Complete RTA Guide ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png) Neobanc ### Table of Contents [What is the Residential Tenancies Act?](https://www.neobanc.com/articles/tenant-rights-ontario#what-is-the-residential-tenancies-act) [Your Core Tenant Rights in Ontario](https://www.neobanc.com/articles/tenant-rights-ontario#your-core-tenant-rights-in-ontario) [Right to a Standard Lease](https://www.neobanc.com/articles/tenant-rights-ontario#right-to-a-standard-lease) [Right to Quiet Enjoyment](https://www.neobanc.com/articles/tenant-rights-ontario#right-to-quiet-enjoyment) [Right to Privacy](https://www.neobanc.com/articles/tenant-rights-ontario#right-to-privacy) [Right to a Safe and Maintained Home](https://www.neobanc.com/articles/tenant-rights-ontario#right-to-a-safe-and-maintained-home) [Protection from Discrimination](https://www.neobanc.com/articles/tenant-rights-ontario#protection-from-discrimination) [Rent Increases: Rules and Limits for 2026](https://www.neobanc.com/articles/tenant-rights-ontario#rent-increases-rules-and-limits-for-2026) [The 2026 Rent Increase Guideline](https://www.neobanc.com/articles/tenant-rights-ontario#the-2026-rent-increase-guideline) [Rules Your Landlord Must Follow](https://www.neobanc.com/articles/tenant-rights-ontario#rules-your-landlord-must-follow) [Rent Control Exemptions](https://www.neobanc.com/articles/tenant-rights-ontario#rent-control-exemptions) [Landlord Entry Rules](https://www.neobanc.com/articles/tenant-rights-ontario#landlord-entry-rules) [When Landlords Can Enter](https://www.neobanc.com/articles/tenant-rights-ontario#when-landlords-can-enter) [Notice Requirements](https://www.neobanc.com/articles/tenant-rights-ontario#notice-requirements) [What to Do About Illegal Entry](https://www.neobanc.com/articles/tenant-rights-ontario#what-to-do-about-illegal-entry) [Maintenance and Repairs](https://www.neobanc.com/articles/tenant-rights-ontario#maintenance-and-repairs) [Landlord Responsibilities](https://www.neobanc.com/articles/tenant-rights-ontario#landlord-responsibilities) [Tenant Responsibilities](https://www.neobanc.com/articles/tenant-rights-ontario#tenant-responsibilities) [How to Request Repairs](https://www.neobanc.com/articles/tenant-rights-ontario#how-to-request-repairs) [Filing a Maintenance Complaint](https://www.neobanc.com/articles/tenant-rights-ontario#filing-a-maintenance-complaint) [Deposits: What Landlords Can and Cannot Charge](https://www.neobanc.com/articles/tenant-rights-ontario#deposits-what-landlords-can-and-cannot-charge) [Legal Deposits](https://www.neobanc.com/articles/tenant-rights-ontario#legal-deposits) [Illegal Deposits](https://www.neobanc.com/articles/tenant-rights-ontario#illegal-deposits) [Eviction: Your Rights and Protections](https://www.neobanc.com/articles/tenant-rights-ontario#eviction-your-rights-and-protections) [Valid Reasons for Eviction](https://www.neobanc.com/articles/tenant-rights-ontario#valid-reasons-for-eviction) [The Eviction Process](https://www.neobanc.com/articles/tenant-rights-ontario#the-eviction-process) [Bad Faith Evictions](https://www.neobanc.com/articles/tenant-rights-ontario#bad-faith-evictions) [Recent Changes Under Bill 60](https://www.neobanc.com/articles/tenant-rights-ontario#recent-changes-under-bill-60) [The Landlord and Tenant Board](https://www.neobanc.com/articles/tenant-rights-ontario#the-landlord-and-tenant-board) [What the LTB Handles](https://www.neobanc.com/articles/tenant-rights-ontario#what-the-ltb-handles) [Key Tenant Forms](https://www.neobanc.com/articles/tenant-rights-ontario#key-tenant-forms) [How to File an Application](https://www.neobanc.com/articles/tenant-rights-ontario#how-to-file-an-application) [Getting Help](https://www.neobanc.com/articles/tenant-rights-ontario#getting-help) [Pets in Ontario Rentals](https://www.neobanc.com/articles/tenant-rights-ontario#pets-in-ontario-rentals) [Building Credit as a Renter](https://www.neobanc.com/articles/tenant-rights-ontario#building-credit-as-a-renter) ### 5 Key Points \\* The Residential Tenancies Act (RTA) protects most Ontario renters - landlords must use the standard lease, provide 90 days notice for rent increases, and follow strict eviction procedures through the LTB. 2. Rent can only increase once every 12 months by the provincial guideline (2.1% for 2026) - units first occupied after November 15, 2018 are exempt from rent control. 3. Landlords must give 24 hours written notice before entering your unit except in emergencies - entry is only allowed between 8 a.m. and 8 p.m. 4. Security deposits and damage deposits are illegal in Ontario - landlords can only collect first and last month's rent plus a refundable key deposit. 5. If your landlord violates your rights, you can file a complaint with the Landlord and Tenant Board using forms like T2 (tenant rights) or T6 (maintenance issues). ‍ # Tenant Rights Ontario: Complete Guide to the Residential Tenancies Act \[2026\] Renting in Ontario comes with legal protections that many tenants do not fully understand. Whether your landlord is raising rent, entering your unit without notice, or ignoring repair requests, you have rights under provincial law. This guide explains your tenant rights in Ontario under the Residential Tenancies Act. You will learn about rent increases, eviction rules, maintenance obligations, deposits, and how to file complaints with the Landlord and Tenant Board. Knowing your rights helps you protect yourself and respond effectively when problems arise. **Quick Answer:** Ontario tenants are protected by the Residential Tenancies Act (RTA). Key rights include rent increase limits (2.1% for 2026), 24 hours notice before landlord entry, protection from illegal eviction, the right to a safe and maintained home, and access to the Landlord and Tenant Board for disputes. Damage deposits are illegal - landlords can only collect first and last month's rent. ## What is the Residential Tenancies Act? The Residential Tenancies Act (RTA) is Ontario's main law governing rental housing. It sets out the rights and responsibilities of both landlords and tenants for most private residential rentals in the province. The RTA covers apartments, houses, condos, basement units, and most other rental housing. It applies to your tenancy even if you do not have a written lease - verbal agreements are still bound by the Act. **The RTA does not cover:** - Rooms where you share a kitchen or bathroom with the owner or their family - Most student housing owned by educational institutions - Care homes and supportive housing - Commercial tenancies - Short-term rentals under 30 days If you are unsure whether the RTA applies to your situation, contact the [Landlord and Tenant Board](https://tribunalsontario.ca/ltb/) for guidance. ## Your Core Tenant Rights in Ontario Ontario tenants have several fundamental rights under the RTA. Understanding these rights helps you recognize when your landlord may be violating the law. ### Right to a Standard Lease Since April 30, 2018, most residential landlords must use [Ontario's standard lease form](https://www.ontario.ca/page/guide-ontarios-standard-lease) for new tenancies. This government-mandated template ensures all leases include the same basic information and protections. Your landlord must give you a signed copy of the lease within 21 days of signing. If they fail to provide a standard lease after you request one in writing, you may withhold one month's rent. ### Right to Quiet Enjoyment You have the right to reasonable enjoyment of your rental unit. This means your landlord cannot harass you, substantially interfere with your use of the unit, or allow other tenants to disturb you without taking action. ### Right to Privacy Your landlord cannot enter your unit whenever they want. Except in emergencies, they must provide 24 hours written notice before entering. More details on entry rules appear below. ### Right to a Safe and Maintained Home Landlords must keep rental units in good repair and comply with health, safety, and maintenance standards. This includes providing working heating, plumbing, and electrical systems. ### Protection from Discrimination The [Ontario Human Rights Code](https://www.ohrc.on.ca/en/policy-human-rights-and-rental-housing) protects tenants from discrimination in housing. Landlords cannot refuse to rent to you or treat you differently based on race, ancestry, place of origin, colour, ethnic origin, citizenship, creed, sex, sexual orientation, gender identity, age, marital status, family status, disability, or receipt of public assistance. ## Rent Increases: Rules and Limits for 2026 Ontario has strict rules about when and how landlords can raise your rent. ### The 2026 Rent Increase Guideline Each year, the Ontario government sets a rent increase guideline - the maximum percentage landlords can raise rent without special approval. **The 2026 guideline is 2.1%** \- the lowest in four years, down from 2.5% in both 2024 and 2025. | Year | Guideline | | --- | --- | | 2023 | 2.5% | | 2024 | 2.5% | | 2025 | 2.5% | | 2026 | 2.1% | The guideline is calculated based on the Ontario Consumer Price Index and is capped at 2.5% by law. For a detailed breakdown of rent increase rules, see our [Ontario Rent Increase 2026 Guide](https://www.neobanc.com/articles/ontario-rent-increase-2026). ### Rules Your Landlord Must Follow To legally increase your rent, your landlord must: 1. **Give 90 days written notice** using Form N1 2. **Wait at least 12 months** since your tenancy started or your last rent increase 3. **Stay within the guideline** unless they have LTB approval for an above-guideline increase If your landlord does not follow these rules, the rent increase is not valid. ### Rent Control Exemptions Not all units are subject to rent control. Units first occupied for residential purposes after November 15, 2018 are generally exempt from the rent increase guideline. This means landlords can raise rent by any amount with proper notice. Check when your unit was first occupied to understand whether rent control applies to you. ## Landlord Entry Rules Your landlord cannot enter your rental unit whenever they choose. The RTA sets strict rules about when and how landlords can enter. ### When Landlords Can Enter Landlords can only enter your unit in these situations: - **With 24 hours written notice** for repairs, inspections, or showing the unit to prospective tenants or buyers - **In an emergency** like a fire, flood, or immediate safety hazard - **With your consent** at the time of entry - **To show the unit** between 8 a.m. and 8 p.m. if you have given notice to move out ### Notice Requirements Written notice must include: - The reason for entry - The date of entry - The time of entry (between 8 a.m. and 8 p.m.) Verbal notice or a text message may not qualify as proper notice under the RTA. Ask for written notice if your landlord only provides verbal communication. ### What to Do About Illegal Entry If your landlord enters without proper notice or outside permitted hours, document the incident in writing. You can file a T2 application with the LTB to address harassment or interference with your reasonable enjoyment. For Ontario Renters ### Know Your Rights - And Make Your Rent Work Harder Your rent payments can build credit and earn cashback. Learn how Neobanc helps Canadian renters get more from every payment. [Learn About Rent Reporting](https://www.neobanc.com/rent-reporting) ## Maintenance and Repairs Landlords have a legal obligation to maintain rental properties in good condition. ### Landlord Responsibilities Under the RTA, landlords must: - Keep the rental unit and property in good repair - Comply with health, safety, housing, and maintenance standards - Maintain all appliances and equipment they provide - Provide vital services including heat, water, electricity, and gas Heat must be maintained at a minimum of 20°C from September 1 to June 15 (some municipalities like Toronto require 21°C from October 1 to May 15). ### Tenant Responsibilities Tenants must: - Keep the unit reasonably clean - Repair damage caused by themselves or their guests (beyond normal wear and tear) - Not disturb other tenants or the landlord ### How to Request Repairs 1. **Put your request in writing** \- email or a dated letter 2. **Keep copies** of all communications 3. **Give reasonable time** for the landlord to respond 4. **Follow up in writing** if repairs are not completed **Never withhold rent** without an LTB order - this can lead to eviction proceedings. ### Filing a Maintenance Complaint If your landlord does not address repairs after reasonable requests, file a [T6 application](https://tribunalsontario.ca/ltb/forms/) with the Landlord and Tenant Board. The LTB can order your landlord to complete repairs and may award you compensation for the inconvenience. ## Deposits: What Landlords Can and Cannot Charge Ontario has strict rules about deposits that protect tenants from unreasonable upfront costs. ### Legal Deposits Landlords can collect: - **Last month's rent deposit** \- equal to one month's rent at the time you move in - **Key deposit** \- refundable amount equal to the actual cost of replacing keys The last month's rent deposit must be applied to your final month of tenancy. Your landlord must pay you interest on this deposit each year at the rate set by the Ontario government. ### Illegal Deposits Landlords **cannot** charge: - Security deposits - Damage deposits - Pet deposits - Cleaning deposits - Application fees - Credit check fees If your landlord has collected an illegal deposit, you can file a T1 application with the LTB to recover the money. ## Eviction: Your Rights and Protections Landlords cannot simply ask you to leave or change the locks. There is a legal process they must follow. ### Valid Reasons for Eviction Landlords can only evict tenants for reasons specified in the RTA: - **Non-payment of rent** \- using Form N4 - **Persistent late payment** \- using Form N8 - **Causing damage or disturbance** \- using Form N5 - **Illegal activity** \- using Form N6 or N7 - **Landlord's own use** \- using Form N12 (landlord, purchaser, or family member needs the unit) - **Demolition or major repairs** \- using Form N13 ### The Eviction Process 1. Landlord serves proper notice using the correct LTB form 2. If tenant does not move out or pay (for rent arrears), landlord files an application with the LTB 3. LTB schedules a hearing where both parties can present their case 4. If eviction is ordered, only the Sheriff can enforce it **You do not have to move out** just because your landlord gives you a notice. You have the right to a hearing before the LTB. ### Bad Faith Evictions If a landlord evicts you for personal use (N12) but does not actually move in, this is a bad faith eviction. Landlords face significant penalties: - Up to $100,000 fine for individuals - Up to $500,000 fine for corporations - Compensation to former tenants including 12 months rent and the difference between old and new rent for up to one year If you suspect bad faith, you can file a T5 application with the LTB. ### Recent Changes Under Bill 60 Bill 60, passed in late 2025, made several changes to eviction procedures: - N4 notice period for non-payment reduced to 7 days (from 14 days) - Appeal windows shortened from 30 days to 15 days - Tenants must pay 50% of claimed rent arrears before raising maintenance issues in non-payment hearings These changes make it more important than ever to pay rent on time and document all communications with your landlord. ## The Landlord and Tenant Board The Landlord and Tenant Board (LTB) is Ontario's tribunal for resolving disputes between landlords and tenants. ### What the LTB Handles - Eviction applications - Rent increase disputes - Maintenance complaints - Deposit recovery - Harassment and interference claims - Bad faith eviction complaints ### Key Tenant Forms | Form | Purpose | | --- | --- | | T1 | Recover money the landlord owes (illegal deposits, rent overcharges) | | T2 | Address tenant rights violations (harassment, illegal entry, interference) | | T5 | Challenge bad faith eviction notices | | T6 | Request repairs and maintenance orders | ### How to File an Application 1. Download the appropriate form from [tribunalsontario.ca/ltb/forms](https://tribunalsontario.ca/ltb/forms/) 2. Complete the form with all required information 3. Submit through the Tribunals Ontario Portal, by mail, or in person 4. Pay the filing fee (fee waivers available for financial hardship) 5. Attend your scheduled hearing ### Getting Help If you need assistance: - **Landlord and Tenant Board:** 1-888-332-3234 or 416-645-8080 - **Community Legal Clinics:** Free legal help for eligible tenants - [find one near you](https://www.cleo.on.ca/) - **Advocacy Centre for Tenants Ontario (ACTO):** Resources and information at [acto.ca](https://www.acto.ca/) ## Pets in Ontario Rentals Many tenants worry about pet policies. Here is what the law says. **"No pets" clauses are unenforceable** in most Ontario rentals. Even if your lease says no pets, your landlord cannot evict you simply for having one after you move in. However: - Landlords can refuse to rent to you because you have a pet during the application process - You can be evicted if your pet causes damage, disturbs other tenants, or poses a safety risk - Condo rules that restrict pets may still apply Service animals and emotional support animals have additional protections under the Human Rights Code. ## Building Credit as a Renter Your monthly rent payments can help build your credit history. While traditional rent does not automatically report to credit bureaus in Canada, rent reporting services allow you to add this payment history to your credit file. Building credit while renting strengthens future rental applications and helps you qualify for better financial products. Learn more about [how rent reporting works](https://www.neobanc.com/rent-reporting) and how you can [earn cashback on rent payments](https://www.neobanc.com/). Your Rent. 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[Get Started Free](https://www.neobanc.com/) ## Read latest articles [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bcac96115797155393a_6939c0140fdeed2451be52fe_FirstTimeOntarioRental.webp)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ First-Time Renting in Ontario: Complete Beginner's Guide \[2026\]\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/first-time-renting-ontario-guide) [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bcab1a42568f5a8a57c_6939b3ad902a15624a020f9e_CreditScoreRentOntario.webp)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ What Credit Score Do You Need to Rent an Apartment in Ontario? \[2026 Guide\]\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario) [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bcae1409abe6bf1e178_6939a35d6f96eebd8f297ecb_OntarioRentIncrease2026.webp)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ Ontario Rent Increase 2026: Maximum Guideline & What Renters Need to Know\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/ontario-rent-increase-2026) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad124be_footer%20gradient.webp) ## Grow your savings, start earning cashback today [Join Neobanc\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Join Neobanc](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Farticles%2Ftenant-rights-ontario) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344d7a8bd3b3f01e2ebaa1_Neobanc%20Logo%20Horizontal-3.svg)](https://www.neobanc.com/) Turn everyday expenses into monthly rewards. 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[Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) [Complaints](https://www.neobanc.com/legal/complaints) Chat Widget ## Reward-Eligible Mortgages [![Arrow ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b0_Button%20Arrow.svg)](https://www.neobanc.com/articles/when-did-mortgages-become-reward-eligible#nav) ![UV Ray](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1243a_UV%20Ray.webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241b_Box%20(3).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12421_Box%20(5).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241a_Box%20(2).webp)![Blur Box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241e_Box%20(4).webp) ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1237a_Icon.svg) December 8, 2025 # When Did Mortgages Become Reward-Eligible? ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png) Neobanc ### Table of Contents [Why speed matters](https://www.neobanc.com/articles/when-did-mortgages-become-reward-eligible#) **Spoiler: It’s happening right now.** Let’s get real: for most of us, monthly mortgage payments are the OG, take-no-prisoners expense—our biggest, longest-running, most committed relationship (unless you count your Netflix subscription). But let’s face it, mortgages have never given back: no cashback, no points, not even a simple “thanks for the six figures.” Just the privilege of paying it… all over again next month. But that’s finally changing. The market is already testing mortgages that offer cashback. Several of the Big Five banks hand out **one-time cashback at closing**—usually **between 1% and 7% of your mortgage.** People often use this to cover closing costs, furniture, or renovations. It’s a decent perk, but it’s a one-shot deal and only at closing. Now, a few fintechs are taking it further, promising—among future features—to offer monthly cashback or credits for home expenses. It’s the same rewards logic credit cards have wielded for decades, but now it’s coming to homeownership. We’ve been watching this trend closely. Here’s the best part: you don’t have to wait for a distant future. The shift—where your mortgage actually rewards you—is here now. ‍ Cue the mic drop: **Neobanc is now offering mortgage cashback, starting today.**(Yes, that might just be the most satisfying sentence you’ll read this rent cycle.) Why does this matter? Because it’s more than a money-back gimmick—this retools the economics of homeownership. Adding cashback means your largest debt can finally give something back, nudging you forward instead of just draining your finances. It acknowledges that loyalty should be mutual—and that decades of mortgage payments shouldn’t feel like beating your head against a financial wall. **What the Data Says (Because We’re Not Just Dropping Punchlines)** Cashback mortgages aren’t brand new. Canada’s Big Five already offer them, but with tradeoffs: slightly higher interest rates or repayment if you break the term early. The smarter strategy is ongoing cashback—a wealth-building tool that pays you back monthly and can be used right away. **Bottom line (Cashback for mortgages? Finally!):** Your mortgage doesn’t have to be a one-way street anymore. The market has been inching toward this for a long time, and now we’re already there—giving you instant cashback, not just endless bills. You’ve been feeding your mortgage thousands and getting nothing in return; it’s about time it gave something back. ‍ ## Read latest articles [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bcac96115797155393a_6939c0140fdeed2451be52fe_FirstTimeOntarioRental.webp)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ First-Time Renting in Ontario: Complete Beginner's Guide \[2026\]\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/first-time-renting-ontario-guide) [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bcab1a42568f5a8a57c_6939b3ad902a15624a020f9e_CreditScoreRentOntario.webp)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ What Credit Score Do You Need to Rent an Apartment in Ontario? \[2026 Guide\]\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/credit-score-to-rent-apartment-ontario) [![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/69665bca152d423696a91934_6939aee1ca0b0cffaf4425c9_Tenant-Rights-Ontario-2026.png)\\ \\ ![icon ](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12376_Vector%20(23).svg)\\ \\ January 13, 2026\\ \\ Tenant Rights Ontario 2026: Complete RTA Guide\\ \\ ![](https://cdn.prod.website-files.com/69344a8020592ca26ad12206/693738ab4682cfc9fbcb0525_692046cec147c36021dc3076_Color%253DParty%252C%2520Type%253DVertical.png)\\ \\ Neobanc](https://www.neobanc.com/articles/tenant-rights-ontario) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad124be_footer%20gradient.webp) ## Grow your savings, start earning cashback today [Join Neobanc\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Join Neobanc](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Farticles%2Fwhen-did-mortgages-become-reward-eligible) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344d7a8bd3b3f01e2ebaa1_Neobanc%20Logo%20Horizontal-3.svg)](https://www.neobanc.com/) Turn everyday expenses into monthly rewards. Neobanc makes it easy to pay rent, handle bills, manage your mortgage, and buy gift cards, all while earning cashback on the essentials of life. [![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b6_Icon.svg)](https://www.facebook.com/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b8_Icon.svg)](https://www.linkedin.com/company/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123b7_Icon.svg)](https://www.instagram.com/neobanccom)[![YouTube]()](https://www.youtube.com/@neobanc) Quick links [Home](https://www.neobanc.com/) [About Us](https://www.neobanc.com/about-neobanc) [Cashback Calculator](https://www.neobanc.com/cashback-calculator) [WTFAQs](https://www.neobanc.com/neobanc-faq) [Articles](https://www.neobanc.com/articles) Features [Rent](https://www.neobanc.com/cashback-on-rent) [Bills](https://www.neobanc.com/cashback-on-bills) [Mortgages](https://www.neobanc.com/cashback-on-mortgages) [Giftcards](https://www.neobanc.com/cashback-on-gift-cards) Address 1050 King St W Toronto, ON M6K 0C7 Canada Contact [Call Us](tel:4165592902) [Email Us](mailto:team@neobanc.com?subject=Support%20from%20Neobanc) © 2025 Neobanc Inc. \|  MSB Licence Number: C100000880 Under Neobanc Inc.. [Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) [Complaints](https://www.neobanc.com/legal/complaints) Chat Widget ## Complaints Process ![](https://cdn.prod.website-files.com/683e7f3735464317a4f8c750/684186f2c0c8b573701c5e25_Group%201009002270.png)![](https://cdn.prod.website-files.com/683e7f3735464317a4f8c750/684185e7cc327601705541da_Box%20(6).png)![](https://cdn.prod.website-files.com/683e7f3735464317a4f8c750/6841858505a7141fd8f0d6cd_Box%20(5).png)![](https://cdn.prod.website-files.com/683e7f3735464317a4f8c750/684184ddc226f1214cfa7336_Box%20(4).png)![](https://cdn.prod.website-files.com/683e7f3735464317a4f8c750/6841784e85a3712246bfd27a_Box%20(2).png) Legal # Complaints Effective Date: March 1, 2025 Last Updated: March 1, 2025 ### Table of Contents [Resolving Your Complaint](https://www.neobanc.com/legal/complaints#resolving-your-complaint) [For Canadian Merchants](https://www.neobanc.com/legal/complaints#for-canadian-merchants) [Canada Visa](https://www.neobanc.com/legal/complaints#canada-visa) [Mastercard Canada](https://www.neobanc.com/legal/complaints#mastercard-canada) [Interac](https://www.neobanc.com/legal/complaints#interac) # How We Deal With Complaints ‍ At Neobanc, providing excellent service is our priority. If we don't meet your expectations, we encourage you to let us know so we can address the issue and improve our services. Here's how we handle complaints: - Simple Submission: Share your complaint via our online chatbot at [**https://www.neobanc.com**](https://www.neobanc.com/) **,** or email us at [**team@neobanc.com**](mailto:team@neobanc.com). - Transparent Process: We aim to resolve complaints promptly, fairly, and transparently. - Timely Updates: We'll keep you informed throughout the process to ensure you are satisfied with how we handle your concerns. ‍ ‍ ## Resolving Your Complaint ‍ Once we receive your complaint, we will: 1. Acknowledge It Quickly: You'll hear from us within 2 business days confirming we've received your complaint. 2. Investigate Thoroughly: Our support team will review and investigate your concern within 5 business days. If necessary, we'll escalate it to the relevant department. 3. Request Additional Details: If we need more information to resolve your complaint, we'll contact you promptly. 4. Provide a Resolution Timeline: We aim to resolve complaints within 10 business days. If it takes longer, we will update you on the progress and provide an estimated resolution date. 5. Issue a Final Response: If we haven't resolved your complaint within 15 business days, we will write to you explaining why, along with a new timeline for resolution. ‍ ‍ ## For Canadian Merchants If you are a Canadian merchant and believe our conduct violates the Code of Conduct for the Payment Card Industry, you may report the matter through the following channels: - Via our chatbot widget: [**https://www.neobanc.com**](https://www.neobanc.com/) - Email: [**team@neobanc.com**](mailto:team@neobanc.com) If you feel your issue has not been adequately addressed, you may escalate the issue to: ‍ ### Canada Visa - Visa Code of Conduct complaint-handling procedure - Email: [**askvisacanada@visa.com**](mailto:askvisacanada@visa.com) - Fax: 416-860-8873 - Web: [**Visa Canada Code of Conduct \| Visa**](https://www.visa.ca/en_CA/run-your-business/merchant-resources/code-of-conduct.html) ‍ ### Mastercard Canada - Email: [**code\_inquiries@mastercard.com**](mailto:code_inquiries@mastercard.com) - Telephone: 1-416-365-6655 - Web: [**Code of Conduct \| Credit and Debit Industry in Canada (Mastercard)**](https://www.mastercard.ca/en-ca/business/overview/get-support/code-of-conduct.html) - Mail: 600-121 Bloor St. E, Toronto, ON M4W 3M5 (Attn. Code of Conduct Compliance) ‍ ### Interac - Email: [**compliance.regulations@interac.ca**](mailto:compliance.regulations@interac.ca) - Telephone: 1-855-789-2979 or 416-362-8550 - Web: [**Report a problem with a service provider - Business - Interac**](https://www.interac.ca/en/resources/business-resources/code-of-conduct/) - Email: [**info@fcac-acfc.gc.ca**](mailto:info@fcac-acfc.gc.ca) - Telephone: 1-866-461-3222 - Mail: 6th Floor, Enterprise Building, 427 Laurier Ave. West, Ottawa, ON K1R 1B9 ‍ Please visit the [**Financial Consumer Agency of Canada's website**](https://www.canada.ca/en/financial-consumer-agency.html) for more information on merchant rights under the Code of Conduct for the payment card industry in Canada. ‍ ‍ ## Grow your savings, start earning more cashback today [Get Started\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Get Started](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Flegal%2Fcomplaints) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69347197d21239273e670f43_554352cf48bf141b0065bba97ca75d32_Neobanc%20Logo%20Horizontal.svg)](https://www.neobanc.com/legal/complaints#) Turn everyday expenses into monthly rewards. Neobanc makes it easy to pay rent, handle bills, manage your mortgage, and buy gift cards, all while earning cashback on the essentials of life. [![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12277_Icon.svg)](https://www.facebook.com/neobanc/)[![Logo](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12275_Logo.svg)](https://www.linkedin.com/company/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12289_Icon.svg)](https://www.instagram.com/neobanccom)[![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694181ee1f461c320e35fbe9_26c77da5aa4eb1dc9a8a687b8c669305_youtube.svg)](https://www.youtube.com/@neobanc) Quick links [Home](https://www.neobanc.com/) [About Us](https://www.neobanc.com/about-neobanc) [Cashback Calculator](https://www.neobanc.com/cashback-calculator) [WTFaqs](https://www.neobanc.com/neobanc-faq) [Articles](https://www.neobanc.com/articles) Features [Rent](https://www.neobanc.com/cashback-on-rent) [Bills](https://www.neobanc.com/cashback-on-bills) [Mortgages](https://www.neobanc.com/cashback-on-mortgages) [Giftcards](https://www.neobanc.com/cashback-on-gift-cards) Address 1050 King St W Toronto, ON M6K 0C7 Canada Contact [Call Us](tel:+1(647)559-2909) [Email Us](mailto:team@neobanc.com) © 2025 Neobanc Inc. \|  MSB Licence Number: C100000880 Under Neo Fortune Financial Inc. [Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Complaints](https://www.neobanc.com/legal/complaints) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) Chat Widget ## Insurance Overview ![](https://cdn.prod.website-files.com/683e7f3735464317a4f8c750/684186f2c0c8b573701c5e25_Group%201009002270.png)![](https://cdn.prod.website-files.com/683e7f3735464317a4f8c750/684185e7cc327601705541da_Box%20(6).png)![](https://cdn.prod.website-files.com/683e7f3735464317a4f8c750/6841858505a7141fd8f0d6cd_Box%20(5).png)![](https://cdn.prod.website-files.com/683e7f3735464317a4f8c750/684184ddc226f1214cfa7336_Box%20(4).png)![](https://cdn.prod.website-files.com/683e7f3735464317a4f8c750/6841784e85a3712246bfd27a_Box%20(2).png) Legal # Insurance Effective Date: April 5, 2025 Last Updated: April 5, 2025 ### Table of Contents [Why speed matters](https://www.neobanc.com/legal/insurance#) ## Grow your savings, start earning more cashback today [Get Started\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Get Started](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Flegal%2Finsurance) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69347197d21239273e670f43_554352cf48bf141b0065bba97ca75d32_Neobanc%20Logo%20Horizontal.svg)](https://www.neobanc.com/legal/insurance#) Turn everyday expenses into monthly rewards. Neobanc makes it easy to pay rent, handle bills, manage your mortgage, and buy gift cards, all while earning cashback on the essentials of life. [![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12277_Icon.svg)](https://www.facebook.com/neobanc/)[![Logo](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12275_Logo.svg)](https://www.linkedin.com/company/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12289_Icon.svg)](https://www.instagram.com/neobanccom)[![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694181ee1f461c320e35fbe9_26c77da5aa4eb1dc9a8a687b8c669305_youtube.svg)](https://www.youtube.com/@neobanc) Quick links [Home](https://www.neobanc.com/) [About Us](https://www.neobanc.com/about-neobanc) [Cashback Calculator](https://www.neobanc.com/cashback-calculator) [WTFaqs](https://www.neobanc.com/neobanc-faq) [Articles](https://www.neobanc.com/articles) Features [Rent](https://www.neobanc.com/cashback-on-rent) [Bills](https://www.neobanc.com/cashback-on-bills) [Mortgages](https://www.neobanc.com/cashback-on-mortgages) [Giftcards](https://www.neobanc.com/cashback-on-gift-cards) Address 1050 King St W Toronto, ON M6K 0C7 Canada Contact [Call Us](tel:+1(647)559-2909) [Email Us](mailto:team@neobanc.com) © 2025 Neobanc Inc. \|  MSB Licence Number: C100000880 Under Neo Fortune Financial Inc. [Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Complaints](https://www.neobanc.com/legal/complaints) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) Chat Widget ## Privacy Policy ![](https://cdn.prod.website-files.com/683e7f3735464317a4f8c750/684186f2c0c8b573701c5e25_Group%201009002270.png)![](https://cdn.prod.website-files.com/683e7f3735464317a4f8c750/684185e7cc327601705541da_Box%20(6).png)![](https://cdn.prod.website-files.com/683e7f3735464317a4f8c750/6841858505a7141fd8f0d6cd_Box%20(5).png)![](https://cdn.prod.website-files.com/683e7f3735464317a4f8c750/684184ddc226f1214cfa7336_Box%20(4).png)![](https://cdn.prod.website-files.com/683e7f3735464317a4f8c750/6841784e85a3712246bfd27a_Box%20(2).png) Legal # Privacy Policy Effective Date: March 1, 2025 Last Updated: March 1, 2025 ### Table of Contents [1\. Definitions](https://www.neobanc.com/legal/privacy-policy#1-definitions) [2\. Information Collection and Use](https://www.neobanc.com/legal/privacy-policy#2-information-collection-and-use) [3\. Types of Data Collected](https://www.neobanc.com/legal/privacy-policy#3-types-of-data-collected) [Personal Data](https://www.neobanc.com/legal/privacy-policy#personal-data) [Usage Data](https://www.neobanc.com/legal/privacy-policy#usage-data) [Tracking Cookies Data](https://www.neobanc.com/legal/privacy-policy#tracking-cookies-data) [4\. Use of Data](https://www.neobanc.com/legal/privacy-policy#4-use-of-data) [5\. Consent](https://www.neobanc.com/legal/privacy-policy#5-consent) [How do we get your consent?](https://www.neobanc.com/legal/privacy-policy#how-do-we-get-your-consent) [How do you withdraw your consent?](https://www.neobanc.com/legal/privacy-policy#how-do-you-withdraw-your-consent) [Marketing and advertising](https://www.neobanc.com/legal/privacy-policy#marketing-and-advertising) [6\. Retention of Data](https://www.neobanc.com/legal/privacy-policy#6-retention-of-data) [7\. Transfer of Data](https://www.neobanc.com/legal/privacy-policy#7-transfer-of-data) [8\. Disclosure of Data](https://www.neobanc.com/legal/privacy-policy#8-disclosure-of-data) [9\. Security of Data](https://www.neobanc.com/legal/privacy-policy#9-security-of-data) [10\. Your Data Protection Rights Under General Data Protection Regulation (GDPR)](https://www.neobanc.com/legal/privacy-policy#10-your-data-protection-rights-under-general-data-protection-regulation-gdpr) [11\. Your Data Protection Rights under the California Privacy Protection Act (CalOPPA)](https://www.neobanc.com/legal/privacy-policy#11-your-data-protection-rights-under-the-california-privacy-protection-act-caloppa) [12\. Your Data Protection Rights under the California Consumer Privacy Act (CCPA)](https://www.neobanc.com/legal/privacy-policy#12-your-data-protection-rights-under-the-california-consumer-privacy-act-ccpa) [13\. Analytics](https://www.neobanc.com/legal/privacy-policy#13-analytics) [14\. CI/CD tools](https://www.neobanc.com/legal/privacy-policy#14-cicd-tools) [15\. Payments](https://www.neobanc.com/legal/privacy-policy#15-payments) [16\. Links to Other Sites](https://www.neobanc.com/legal/privacy-policy#16-links-to-other-sites) [17.  Children's Privacy](https://www.neobanc.com/legal/privacy-policy#17-childrens-privacy) [18\. Changes to This Privacy Policy](https://www.neobanc.com/legal/privacy-policy#18-changes-to-this-privacy-policy) [19.  Contact Us](https://www.neobanc.com/legal/privacy-policy#19-contact-us) This Privacy Policy, together with all schedules, appendices, attachments, any terms of service, and annexes (the “ **Agreement**”) (all of such documents are accessible via www.neobanc.com) and between NEOBANC Inc. and all its affiliates (together “ **us**”, “ **we**”, and/or “ **our**”) and you, the individual or company (“ **you**”, “ **your**”, and/or “ **User**”) governs your use of our website application, accessible at www.neobanc.com, and all pages, templates, products, tools, information, protocols, software, and content located therein (the “ **Service**”), and explains how we collect, safeguard, and disclose information that results from your use of the Service. PLEASE READ THIS POLICY CAREFULLY. ## 1\. Definitions ‍ Unless otherwise defined herein, “ **Personal Data**” means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession). “ **Usage Data**” is data collected automatically either generated by the use of Service or from Service infrastructure itself (for example, the duration of a page visit). “ **Cookies**” are small files stored on your device (computer or mobile device). “ **Data Controller**” means a natural or legal person who (either alone or jointly or in common with other persons) determines the purposes for which and the manner in which any personal data are, or are to be, processed. For the purpose of this Privacy Policy, we are a Data Controller of your data. “ **Data Processors**” or “ **Service Providers**” means any natural or legal person who processes the data on behalf of the Data Controller. We may use the services of various Service Providers in order to process your data more effectively. “ **Data Subject**” is any living individual who is the subject of Personal Data. ‍ “ **Device Information**” is information about the computer or mobile device that a user users to access the Service, such as the hardware model, operating system and version, identification numbers assigned to the device, such as the ID for Advertising (IDFA) on Apple devices, and the Advertising ID on Android devices, mobile network information, and website or app usage behavior. ‍ “ **Location Information**” is information about the location of a user when the user accesses or uses the Service. For example, via browser information and other similar device or browser attributes (like IP address), a locator page that may exist, or from a mobile application. ‍ “ **Navigational Information**” when a user accesses the Service, the user’s computer, phone, and/or device may provide navigational information, such as browser type and version, service-provider identification, IP address, the site or online service from which you came, and the site or online service to which you navigate. ‍ ## 2\. Information Collection and Use ‍ We collect several different types of information for various purposes to provide and improve our Service to you.  Additionally affiliated entities, vendors, social media networks, and advertising networks may provide us with, or supplement, information about you. We may use this information for a variety of operational or marketing purposes, such as to deliver a more relevant user experience to you. ‍ ## 3\. Types of Data Collected ‍ ### Personal Data ‍ While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“ **Personal Data**”). Personally identifiable information may include, but is not limited to: ‍ (a) Name, address, phone number, email address, personal preferences, payment card number, purchase and ordering information, demographic information, responses to survey questions, your Location Information, your Navigational Information, your Device Information, your Usage Data, and any other information you choose to provide. We may use your Personal Data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by emailing at team@neobanc.com. ‍ ### Usage Data ‍ We may also collect information that your browser sends whenever you visit our Service or when you access Service by or through a mobile device (“ **Usage Data**”). This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data. When you access Service with a mobile device, this Usage Data may include information such as the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers and other diagnostic data. ‍ ### Tracking Cookies Data We may use cookies and similar tracking technologies to track the activity on our Service and we hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Other tracking technologies are also used such as beacons, tags and scripts to collect and track information and to improve and analyze our Service. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service. Examples of Cookies we may use: (a) Session Cookies: We use Session Cookies to operate our Service. (b) Preference Cookies: We use Preference Cookies to remember your preferences and various settings. (c) Security Cookies: We use Security Cookies for security purposes. (d) Advertising Cookies: Advertising Cookies are used to serve you with advertisements that may be relevant to you and your interests. ## 4\. Use of Data We use the collected data for various purposes: (a) to provide and maintain our Service; (b) to notify you about changes to our Service; (c) to allow you to participate in interactive features of our Service when you choose to do so; (d)  to provide customer support; (e) to gather analysis or valuable information so that we can improve our Service; (f) to monitor the usage of our Service; (g) to detect, prevent and address technical issues; (h) to fulfill any other purpose for which you provide it; (i) to carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection; (j) to provide you with notices about your account and/or subscription, including expiration and renewal notices, email-instructions, etc.; (k) to provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information; (l) in any other way we may describe when you provide the information; (m) to aggregate pseudonymized or anonymized information for statistical or other purposes and, (n) for any other purpose with your consent. ‍ Despite anything in this Section 4, Google Workspace APIs are not used to develop, improve, or train generalized AI and/or ML models. ‍ ## 5\. Consent ‍ ### How do we get your consent? When you provide us with personal information to complete a transaction, we imply that you consent to our collecting it and using it for that specific reason only. If we ask for your personal information for a secondary reason, such as for advertisements, we will either ask you directly or your express consent, or provide you with an opportunity to say no. ‍ ### How do you withdraw your consent? ‍ If after you opt-in and you change your mind, then you may withdraw your consent for us to contact you, for the continued collection, use or disclosure of your information, at any time by emailing us at team@neobanc.com. ‍ ### Marketing and advertising On our Services, we and third parties may collect information about your activities to provide you with advertising about products and services tailored to your interests.  We may contract with third party advertising companies, which may collect information about your use and interactions with the Services, over time and across third party websites and online services, for use in delivering tailored online display and banner advertising to you on other websites and online services. To serve this advertising, these third party companies place, use, or rely on the technologies described above, including cookies, clear gifs, device identifiers and similar technologies to obtain information about customer interactions with us through our Services and interactions with other online services. These companies use the information they collect to serve you ads that are targeted to your interests. ‍ You may also specify your preferences through a centralized registry.  To learn about how to opt out of interest-based advertising, in general, search for the following: NAI Opt Out or, DAA Opt Out. Your mobile device settings may allow you to prohibit mobile app platforms (such as Apple and Google) from sharing certain information obtained by automated means with app developers like us and other businesses. ‍ ## 6\. Retention of Data ‍ We will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies. We will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer time periods. ‍ ## 7\. Transfer of Data ‍ Your information, including Personal Data, may be transferred to – and maintained on – computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction. If you are located outside Canada or the United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to Canada or the United States and process it there. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer. We  will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information. ‍ ## 8\. Disclosure of Data ‍ We may disclose personal information that we collect, or you provide: ‍ (a) Disclosure for Law Enforcement. Under certain circumstances, we may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities. (b) Business Transaction. If we or our subsidiaries are involved in a merger, acquisition or asset sale, your Personal Data may be transferred. (c) Other cases. We may disclose your information also: (i) to our subsidiaries and affiliates; (ii) to contractors, service providers, and other third parties we use to support our business; (iii) to fulfill the purpose for which you provide it; (iv) for the purpose of including your company’s logo on our website; (v) for any other purpose disclosed by us when you provide the information; (vi) to establish, exercise or defend our legal rights; (vii) when we believe disclosure is necessary or appropriate to prevent physical or other harm or financial loss; (viii) in connection with an investigation of suspected or actual illegal activity; or (ix) with your consent in any other cases; ‍ ## 9\. Security of Data ‍ The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security. ## 10\. Your Data Protection Rights Under General Data Protection Regulation (GDPR) ‍ If you are a resident of the European Union (EU) and European Economic Area (EEA), you have certain data protection rights, covered by GDPR. – See more at [https://eur-lex.europa.eu/eli/reg/2016/679/oj](https://eur-lex.europa.eu/eli/reg/2016/679/oj) We aim to take reasonable steps to allow you to correct, amend, delete, or limit the use of your Personal Data. If you wish to be informed what Personal Data we hold about you and if you want it to be removed from our systems, please email us at team@neobanc.com. In certain circumstances, you have the following data protection rights: (a) the right to access, update or to delete the information we have on you; (b) the right of rectification. You have the right to have your information rectified if that information is inaccurate or incomplete; (c) the right to object. You have the right to object to our processing of your Personal Data; (d) the right of restriction. You have the right to request that we restrict the processing of your personal information; (e) the right to data portability. You have the right to be provided with a copy of your Personal Data in a structured, machine-readable and commonly used format; (f) the right to withdraw consent. You also have the right to withdraw your consent at any time where we rely on your consent to process your personal information; Please note that we may ask you to verify your identity before responding to such requests. Please note, we may not be able to provide Service without some necessary data. You have the right to complain to a Data Protection Authority about our collection and use of your Personal Data. For more information, please contact your local data protection authority in the European Economic Area (EEA). ## 11\. Your Data Protection Rights under the California Privacy Protection Act (CalOPPA) ‍ CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law’s reach stretches well beyond California to require a person or company in the United States (and conceivable the world) that operates websites collecting personally identifiable information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals with whom it is being shared, and to comply with this policy. – See more at: [https://consumercal.org/about-cfc/cfc-education-foundation/california-online-privacy-protection-act-caloppa-3/](https://consumercal.org/about-cfc/cfc-education-foundation/california-online-privacy-protection-act-caloppa-3/) According to CalOPPA we agree to the following: (a) users can visit our site anonymously; (b) our Privacy Policy link includes the word “Privacy”, and can easily be found on the page specified above on the home page of our website; (c) users will be notified of any privacy policy changes on our Privacy Policy Page; (d) users are able to change their personal information by emailing us at team@neobanc.com. Our Policy on “Do Not Track” Signals: We honor Do Not Track signals and do not track, plant cookies, or use advertising when a Do Not Track browser mechanism is in place. Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked. You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser. ## 12\. Your Data Protection Rights under the California Consumer Privacy Act (CCPA) ‍ If you are a California resident, you are entitled to learn what data we collect about you, ask to delete your data and not to sell (share) it. To exercise your data protection rights, you can make certain requests and ask us: (a) What personal information we have about you. If you make this request, we will return to you: (i) The categories of personal information we have collected about you. (ii) The categories of sources from which we collect your personal information. (iii) The business or commercial purpose for collecting or selling your personal information. (iv) The categories of third parties with whom we share personal information. (v) The specific pieces of personal information we have collected about you. (vi)  A list of categories of personal information that we have sold, along with the category of any other company we sold it to. If we have not sold your personal information, we will inform you of that fact. (vii) A list of categories of personal information that we have disclosed for a business purpose, along with the category of any other company we shared it with. Please note, you are entitled to ask us to provide you with this information up to two times in a rolling twelve-month period. When you make this request, the information provided may be limited to the personal information we collected about you in the previous 12 months. (b) To delete your personal information. If you make this request, we will delete the personal information we hold about you as of the date of your request from our records and direct any service providers to do the same. In some cases, deletion may be accomplished through de-identification of the information. If you choose to delete your personal information, you may not be able to use certain functions that require your personal information to operate. (c) To stop selling your personal information. We don't sell or rent your personal information to any third parties for any purpose. You are the only owner of your Personal Data and can request disclosure or deletion at any time. ‍ Please note, if you ask us to delete or stop selling your data, it may impact your experience with us, and you may not be able to participate in certain programs or membership services which require the usage of your personal information to function. But in no circumstances, we will discriminate against you for exercising your rights. To exercise your California data protection rights described above, please send your request(s) by one of the following means: By email: team@neobanc.com Your data protection rights, described above, are covered by the CCPA, short for the California Consumer Privacy Act. To find out more, visit the official [California Legislative Information website](http://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201720180AB375). The CCPA took effect on 01/01/2020. ## 13\. Analytics ‍ We may use third party Service Providers (like Google Analytics, Firebase, etc.) to monitor and analyze the use of our Service. ‍ ## 14\. CI/CD tools ‍ We may use third party Service Providers (like GitHub) to automate the development process of our Service. ‍ ## 15\. Payments ‍ We may provide paid products and/or services within Service. In that case, we use third party services for payment processing (e.g. payment processors). We will not store or collect your payment card details. That information is provided directly to our third party payment processors whose use of your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, Mastercard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of payment information. ## 16\. Links to Other Sites Our Service may contain links to other sites that are not operated by us. If you click a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services. ‍ ## 17.  Children's Privacy ‍ Our Services are not intended for use by children under the age of 13 (“ **Children**”). We do not knowingly collect personally identifiable information from Children under 13. If you become aware that a Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from Children without verification of parental consent, we take steps to remove that information from our servers. ‍ ## 18\. Changes to This Privacy Policy ‍ We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update “effective date” at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page. ‍ ## 19.  Contact Us ‍ If you have any questions about this Privacy Policy, please contact us: By email: team@neobanc.com. ‍ ‍ ## Grow your savings, start earning more cashback today [Get Started\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Get Started](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Flegal%2Fprivacy-policy) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69347197d21239273e670f43_554352cf48bf141b0065bba97ca75d32_Neobanc%20Logo%20Horizontal.svg)](https://www.neobanc.com/legal/privacy-policy#) Turn everyday expenses into monthly rewards. 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[Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Complaints](https://www.neobanc.com/legal/complaints) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) Chat Widget ## Neobanc Terms of Use ![](https://cdn.prod.website-files.com/683e7f3735464317a4f8c750/684186f2c0c8b573701c5e25_Group%201009002270.png)![](https://cdn.prod.website-files.com/683e7f3735464317a4f8c750/684185e7cc327601705541da_Box%20(6).png)![](https://cdn.prod.website-files.com/683e7f3735464317a4f8c750/6841858505a7141fd8f0d6cd_Box%20(5).png)![](https://cdn.prod.website-files.com/683e7f3735464317a4f8c750/684184ddc226f1214cfa7336_Box%20(4).png)![](https://cdn.prod.website-files.com/683e7f3735464317a4f8c750/6841784e85a3712246bfd27a_Box%20(2).png) Legal # Terms of Service Effective Date: March 1, 2025 Last Updated: December 7, 2025 ### Table of Contents [Definitions](https://www.neobanc.com/legal/terms-of-use#definitions) [Regulatory Status & Licensing](https://www.neobanc.com/legal/terms-of-use#regulatory-status-and-licensing) [Services](https://www.neobanc.com/legal/terms-of-use#services) [Prepaid Gift Card Services (Provided by Neobanc; Sourcing from Third‑Party Suppliers)](https://www.neobanc.com/legal/terms-of-use#prepaid-gift-card-services-provided-by-neobanc-sourcing-from-thirdparty-suppliers) [Rent Reporting](https://www.neobanc.com/legal/terms-of-use#rent-reporting) [Fees](https://www.neobanc.com/legal/terms-of-use#fees) [Consumption Fees](https://www.neobanc.com/legal/terms-of-use#consumption-fees) [One‑Time Fees](https://www.neobanc.com/legal/terms-of-use#onetime-fees) [Payments & Fees](https://www.neobanc.com/legal/terms-of-use#payments-and-fees) [Fees and Collections for Prepaid Gift Card Services](https://www.neobanc.com/legal/terms-of-use#fees-and-collections-for-prepaid-gift-card-services) [Promotion or Fee Changes](https://www.neobanc.com/legal/terms-of-use#promotion-or-fee-changes) [Refunds](https://www.neobanc.com/legal/terms-of-use#refunds) [Eligibility and Maximum Cashback Terms (Neobanc Credits)](https://www.neobanc.com/legal/terms-of-use#eligibility-and-maximum-cashback-terms-neobanc-credits) [Custody of Your Funds](https://www.neobanc.com/legal/terms-of-use#custody-of-your-funds) [Custody and Settlement for Prepaid Gift Card Services](https://www.neobanc.com/legal/terms-of-use#custody-and-settlement-for-prepaid-gift-card-services) [Intellectual Property](https://www.neobanc.com/legal/terms-of-use#intellectual-property) [Company Content](https://www.neobanc.com/legal/terms-of-use#company-content) [User Content](https://www.neobanc.com/legal/terms-of-use#user-content) [Prohibited Uses](https://www.neobanc.com/legal/terms-of-use#prohibited-uses) [Analytics](https://www.neobanc.com/legal/terms-of-use#analytics) [Communications](https://www.neobanc.com/legal/terms-of-use#communications) [Accounts](https://www.neobanc.com/legal/terms-of-use#accounts) [Compliance: KYC/AML](https://www.neobanc.com/legal/terms-of-use#compliance-kycaml) [Error Reporting and Feedback](https://www.neobanc.com/legal/terms-of-use#error-reporting-and-feedback) [Links To Other Websites](https://www.neobanc.com/legal/terms-of-use#links-to-other-websites) [Important Disclaimers and Notices](https://www.neobanc.com/legal/terms-of-use#important-disclaimers-and-notices) [Disclaimer Of Warranty](https://www.neobanc.com/legal/terms-of-use#disclaimer-of-warranty) [Limitation Of Liability](https://www.neobanc.com/legal/terms-of-use#limitation-of-liability) [Indemnification](https://www.neobanc.com/legal/terms-of-use#indemnification) [Release](https://www.neobanc.com/legal/terms-of-use#release) [Termination](https://www.neobanc.com/legal/terms-of-use#termination) [Changes To Service](https://www.neobanc.com/legal/terms-of-use#changes-to-service) [Amendments](https://www.neobanc.com/legal/terms-of-use#amendments) [Waiver And Severability](https://www.neobanc.com/legal/terms-of-use#waiver-and-severability) [Assignment](https://www.neobanc.com/legal/terms-of-use#assignment) [Acknowledgement](https://www.neobanc.com/legal/terms-of-use#acknowledgement) [Independent Legal Advice](https://www.neobanc.com/legal/terms-of-use#independent-legal-advice) [Force Majeure](https://www.neobanc.com/legal/terms-of-use#force-majeure) [Governing Law](https://www.neobanc.com/legal/terms-of-use#governing-law) [Dispute Resolution](https://www.neobanc.com/legal/terms-of-use#dispute-resolution) # **Terms of Service** ‍ These Terms of Service (the “Agreement”) by and between **Neobanc Inc.** (formerly **Neo Fortune Financial Inc.**) and all its affiliates (together, “ **Company**,” “ **us**,” “ **we**,” and “ **our**”) and you, the individual or entity (“ **you**,” “ **your**,” and “ **User**”) governs your use of our website and application, accessible at [**www.neobanc.com**](http://www.neobanc.com/), and all pages, templates, products, tools, information, protocols, software, and content located therein (the “ **Service**”). **PLEASE READ THIS AGREEMENT CAREFULLY.** By using the Service, you agree to be bound by this Agreement. You must read, agree with and accept all of the terms and conditions contained or expressly referred to in this Agreement before you may sign up for or use the Service. You are advised to revisit the Agreement, and all its components, periodically to familiarize yourself with any changes to the terms and conditions therein. ## **Definitions** - **“Alternative Payment”** refers to the use of the Services to make a payment of rents or fees using the Company’s proprietary payment mechanism, whereby such payment may be processed by the Company up to 3 business days after the date on which it was received by the Company, provided that there are no blockers or flags related to compliance or suspected fraud from our payment partners. - **“Credit Card Payment”** refers to the use of the Services to make a payment of rents or fees via credit card by tenants or property owners to their landlords or property managers (as applicable), whereby such payment may be processed by the Company up to 3 business days after the date on which it was received by the Company, provided that there are no blockers or flags related to compliance or suspected fraud from our payment partners. - **“Debit Card Payment”** refers to the use of the Services to make a payment of rents or fees via Visa debit card or Mastercard debit card by tenants or property owners to their landlords or property managers (as applicable), whereby such payment may be processed by the Company up to 3 business days after the date on which it was received by the Company, provided that there are no blockers or flags related to compliance or suspected fraud from our payment partners. - **“Bank Account Payment”** refers to the use of the Services to make a payment of rents or fees via checking/chequing bank account by tenants or property owners to their landlords or property managers (as applicable), whereby such payment may be processed by the Company up to 3 business days after the date on which it was received by the Company, provided that there are no blockers or flags related to compliance or suspected fraud from our payment partners. - **“Consumer‑Reporting Agency” (or “Credit Bureau”)** means Equifax Canada, Landlord Credit Bureau, or any similar agency to which we transmit rent‑payment information. - **“Rent Reporting”** means the disclosure of your lease information and rent‑payment history to one or more Consumer‑Reporting Agencies for inclusion in your personal credit file. - **“Landlord”** means the person with whom you have a lease agreement under which you are using the Services to facilitate Payment. - **“Lease”** refers to the written lease agreement between a User and Landlord. - **“Payment”** means a Credit Card Payment, Debit Card Payment, Bank Account Payment or an Alternative Payment as the case may be. - **“Payment Amount”** refers to the aggregate dollar value of a Payment exclusive of the Service Fee. - **“Prepaid Gift Card Services”** means the portion of the Service that enables the issuance, loading, redemption, transfer, or processing of prepaid, non‑reloadable or reloadable gift cards, payment vouchers, stored value, or similar instruments (collectively, “ **Prepaid Instruments**”). These services are provided by Neobanc Inc. under its own FINTRAC registration as an MSB and may leverage third‑party suppliers for gift card inventory or related technology. - **“Prepaid Gift Card Supplier”** means a third‑party provider of Prepaid Instruments or related technology that Neobanc may source from, including without limitation **Phaze Inc.** For clarity, a Prepaid Gift Card Supplier does **not** provide regulated money services to you and does not act as an agent or program manager for Neobanc. - **“Neobanc Credits” (or “Credits”)** means non‑cash, non‑transferable promotional credits issued by Neobanc that can only be redeemed within the Neobanc platform toward eligible services and have no value outside the platform. - **“Eligible Services”** means rent payments and other services Neobanc designates as eligible for Credits redemption within the platform from time to time. ## **Regulatory Status & Licensing** Neobanc Inc. operates the Service as a money services business registered with the Financial Transactions and Reports Analysis Centre of Canada ( **FINTRAC**) under MSB number **C100000880**. Neobanc Inc. was previously registered under the legal name **Neo Fortune Financial Inc.**; the corporate name has since been updated to **Neobanc Inc.** All references to the Company herein include such successor name. ## **Services** You are hereby granted a limited, non‑transferable, non‑sublicensable, revocable license to access the Services for the purpose of making Payments. Correspondingly, you hereby grant the Company and the Company’s contracted third parties authority to act in whatever capacity necessary and appropriate to effect such Payment, at the sole and absolute discretion of the Company. ### **Prepaid Gift Card Services (Provided by Neobanc; Sourcing from Third‑Party Suppliers)** For certain types of payments and transfers pertaining to Prepaid Gift Card Services, you acknowledge and agree that the underlying regulated money services are provided **by Neobanc Inc. under its own FINTRAC MSB registration (C100000880)**. Neobanc may, at its discretion, **source gift card inventory or related technology from third‑party Prepaid Gift Card Suppliers (e.g., Phaze Inc.)**; however, such suppliers **do not** act as Neobanc’s agent or program manager and **do not** provide regulated money services to you. Neobanc remains responsible for applicable MSB compliance (including AML/ATF, sanctions screening, and recordkeeping) with respect to Prepaid Gift Card Services conducted through the Service. Neobanc may present additional or supplemental terms for specific products or features within the Service (“ **Supplemental Terms**”). In the event of a conflict between this Agreement and Supplemental Terms with respect to those features, the Supplemental Terms shall control solely as to those features. ## **Rent Reporting** **Consent.** By using the Service you authorize Neobanc to collect, use, and disclose your personal information—including your name, address, lease details, and rent‑payment history—to any Consumer‑Reporting Agency for the purpose of establishing or updating your credit file. **Effect on Credit.** Reported information may improve or lower your credit score depending on your payment behaviour. Neobanc makes no guarantee of any particular credit outcome. **Disputes & Corrections.** If you believe any rent‑payment data we have reported is inaccurate, email **support@neobanc.com** with supporting documentation. We will investigate and, where appropriate, instruct the relevant Consumer‑Reporting Agency to correct or delete the data within the time frames required by applicable consumer‑reporting laws. **Opt‑Out.** You may withdraw consent for future Rent Reporting at any time by emailing **privacy@neobanc.com**. Information already furnished may remain on your credit file as permitted by law. **Limitation of Liability (Rent Reporting).** To the maximum extent permitted by law, Neobanc’s liability arising from Rent Reporting will not exceed the Service Fees you paid to Neobanc in the twelve (12) months preceding the claim. **Compliance.** Neobanc’s Rent‑Reporting program complies with the Personal Information Protection and Electronic Documents Act (PIPEDA) and relevant provincial consumer‑reporting statutes (e.g., Ontario Consumer Reporting Act). ## **Fees** ### **Consumption Fees** Some parts of the Service may be billed on a consumption basis, for which you may be obligated to pay a fee (“ **Service Fee(s)**”). The Service Fee(s) shall be billed to you on a per‑Payment basis, in the amounts then displayed on the Services. ### **One‑Time Fees** Some parts of the Service may be billed on a one‑time basis, for which you may be obligated to pay a fee (“ **One‑Time Fee(s)**”). The One‑Time Fee(s) shall be billed to you, as described herein or otherwise by the Company, in the amounts then determined by the Company. ### **Payments & Fees** A valid payment method, including credit card, debit card, pre‑authorized debit, or Interac, is required to process all fees (including Service Fees and One‑Time Fees) and Payments mentioned herein, unless otherwise permitted by the Company. You shall provide us with accurate and complete billing information including, as applicable, full name, address, state/city, zip code/postal, telephone number, and a valid payment method information. By submitting such payment information, you automatically authorize us to charge all fees outlined in this section incurred through your account to any such payment instruments. Should automatic billing fail to occur for any reason, we will issue an electronic invoice indicating that you must proceed manually, within a certain deadline date, with the full payment corresponding to the billing period as indicated on the invoice. You represent and warrant that: (i) you have the legal right to use any credit card(s) or other payment method(s) in connection with any charge; and that (ii) the information you supply to us is true, correct and complete. We may employ the use of third‑party services for the purpose of facilitating payment and the completion of charges. If you use an international payment method or a credit/debit card denominated in a currency other than Canadian or U.S. Dollars, you acknowledge and agree that an additional fee may be applied to account for currency conversion costs, cross‑border processing fees, and associated international network charges. These fees are in addition to any Service Fees or One‑Time Fees disclosed elsewhere in this Agreement. The exact fee may vary based on your card issuer, payment network, and current exchange rates, but typically ranges from 1.5% to 3.5% of the total transaction amount. By using an international card, you agree to pay these additional charges and authorize us to include them in your total Payment amount; the exact amount will be displayed before payment confirmation within the user interface. If a user pays via this interface they are agreeing to the specifically indicated fee within the interface illustrated. You are solely responsible for verifying with your card issuer any additional fees that may apply for international or foreign currency transactions. Using a credit card to pay rent, mortgage, or similar obligations through the Service may incur interest, cash‑advance, or other fees imposed by your card issuer or financial institution. Neobanc does not control or reimburse such fees. Please check with your card issuer before proceeding if you are unsure whether your transaction will be treated as a purchase or a cash advance. By submitting your information, you grant us the right to provide the information to these third parties subject to our Privacy Policy. Taxes are in addition to any amounts shown to you, when applicable. ‍ **Prohibited Self-Transfers and Circular Payments** You acknowledge and agree that the Service is intended solely for bona fide payments of rent and other Eligible Services and **may not be used to send funds to yourself** or to create artificial or circular payment flows. Without limiting any other provision of this Agreement, you agree that you will not: 1. Initiate any Payment where you are, directly or indirectly, both the payer and the payee, including without limitation: - Payments to an account, card, wallet, or other instrument held in your own name; - Payments to any entity or person that you control, are controlled by, or are acting on your behalf (including shell entities or related parties), where the practical effect is that funds are returned to you; or - Payments structured through intermediaries or related parties for the primary purpose of causing funds to be returned to you or to generate rewards, Credits, or other benefits. 2. Use the Service to “loop” or recycle funds (for example, by sending Payments that ultimately come back to you or your controlled accounts) in order to obtain cashback, Credits, rewards, bonuses, or any similar benefit. We may, in our sole and absolute discretion, **decline, delay, reverse, or cancel** any transaction that we suspect violates this section, and we may **freeze or withhold** associated funds or Credits while we investigate. We may also **revoke or claw back** any rewards, Credits, or other benefits obtained in connection with such transactions, and may **suspend or terminate** your access to the Service and/or report suspicious activity to applicable financial institutions, networks, or regulators as required or permitted by law. ‍ ### **Fees and Collections for Prepaid Gift Card Services** For Prepaid Gift Card Services, fees, charges, and amounts are established by **Neobanc Inc.** and may include amounts payable by Neobanc to third‑party **Prepaid Gift Card Suppliers** (e.g., Phaze Inc.) for inventory or technology. You authorize Neobanc Inc. to present, collect, and remit such fees and amounts and to compensate suppliers and processing partners accordingly. Any such fees will be disclosed within the Service and/or any applicable Supplemental Terms prior to your confirmation of a transaction. ### **Promotion or Fee Changes** We, in our sole discretion and at any time, may modify any of the fees mentioned herein (including but not limited to Service Fees and One‑Time Fees) (any of which being a “ **Fee Change**”). Any Fee Change will become effective at the end of the then‑current Billing Cycle. We will provide you with reasonable prior notice of any Fee Change to give you an opportunity to terminate your usage before such Fee Change becomes effective. Your continued use of Service after a Fee Change comes into effect constitutes your agreement to pay the modified fee amount. **Promotional discounts, fees and cash‑back values may change or end without notice.** Individuals agree that all percentages and dollar amounts are limited and not in perpetuity. ### **Refunds** Except when required by law, all payments and fees mentioned herein are non‑refundable. Users seeking a refund for any rent, bill, or payment transaction must contact their landlord, financial institution, or biller directly. Neobanc Inc., its partners, and affiliates take no responsibility for processing or issuing refunds of any kind. We reserve the right to revoke and/or reclaim any cashback rewards if, in our sole and absolute discretion, we determine that such rewards were obtained in contravention of this Agreement or otherwise. ## **Eligibility and Maximum Cashback Terms (Neobanc Credits)** **Eligibility.** To be eligible for Neobanc Credits (“Credits”), users must (a) maintain an active Neobanc account in good standing, (b) make qualifying rent or bill payments through the Neobanc platform, and (c) comply with all applicable terms and conditions. Credits are issued only after successful processing and settlement of qualifying payments. **Credit Options.** Users may select one of the following Credit reward options when making qualifying payments: - **1% Credit (Monthly Option).** Users who select this option will receive a Credit equal to 1% of the qualifying payment amount. Credits under this option become available for redemption no sooner than the start of the following month’s billing cycle and may only be applied toward rent or other Eligible Services offered through the Neobanc platform. - **5% Credit (Annual Option).** Users who select this option will receive a Credit equal to 5% of the qualifying payment amount. Credits under this option are subject to a **365‑day holding period** from the date of the qualifying payment before becoming eligible for redemption. These Credits may only be used toward rent or Eligible Services through the Neobanc platform after the holding period has elapsed. **Nature and Use of Credits.** Neobanc Credits are non‑cash, non‑transferable rewards that may only be redeemed toward Eligible Services or payments processed within the Neobanc platform. Credits cannot be withdrawn, exchanged for cash, or transferred to other users or accounts. **Expiration and Forfeiture.** Credits may expire or be forfeited if (a) a user’s account is closed or suspended, (b) a payment is refunded, reversed, or disputed, or (c) Neobanc determines that the transaction or account activity violates these Terms or applicable law. **Program Changes.** Neobanc reserves the right to modify, suspend, or terminate the Credits program—including reward percentages, redemption timelines, or eligibility criteria—at any time and at its sole discretion, to the extent permitted by law. **Regulatory Disclosure.** Neobanc Credits do not represent a cash balance, stored value, or deposit, and are not insured by any deposit insurance program. They are promotional credits issued by Neobanc that hold value only within the Neobanc platform and have no monetary value outside of it. **IMPORTANT:** CREDITS ARE PROMOTIONAL IN NATURE AND MAY BE CHANGED, LIMITED, OR DISCONTINUED AS DESCRIBED ABOVE. IF A QUALIFYING TRANSACTION IS REFUNDED, REVERSED, OR DISPUTED, ANY ASSOCIATED CREDITS MAY BE REVOKED, REDUCED, OR FORFEITED. **NEOBANC CREDITS ARE PROMOTIONAL, HAVE NO CASH VALUE, ARE NOT LEGAL TENDER, STORED VALUE, OR A DEPOSIT, AND MAY ONLY BE REDEEMED WITHIN THE NEOBANC PLATFORM AS DESCRIBED IN THESE TERMS.** Without limiting the foregoing, Neobanc shall have no liability for any inability to earn or redeem Credits, or for any modification, suspension, or termination of the Credits program. ## **Custody of Your Funds** The Company shall use commercially reasonable efforts to safeguard any funds it holds to complete a Payment. You acknowledge and agree that, while funds may be deposited and stored in accounts that are eligible for protection by the Canada Deposit Insurance Corporation, there are limitations and rules prescribed by the Canada Deposit Insurance Corporation that apply—and it is your obligation to understand those limitations and rules. The Company shall use its best efforts to process all Payments within 3 business days of the date on which they are received, provided that there are no blockers or flags related to compliance or suspected fraud from our payment partners. You agree and acknowledge that your Landlord shall not receive your Payment until it is processed by the Company. As such, you agree and acknowledge that you must initiate your Payment no later than 3 business days prior to the date on which your rent payment is due. ### **Custody and Settlement for Prepaid Gift Card Services** With respect to Prepaid Gift Card Services, you acknowledge and agree that funds associated with the issuance, loading, redemption, or transfer of Prepaid Instruments may be **received, safeguarded, pooled, and/or settled by Neobanc Inc. and/or its banking or processing partners** in accordance with applicable MSB requirements, and **not** by any Prepaid Gift Card Supplier. Settlement timelines for such transactions may differ from the timelines described elsewhere in this Agreement and will be disclosed within the Service and/or any applicable Supplemental Terms. ## **Intellectual Property** ### **Company Content** Any proprietary and intellectual property rights in and to the Services, including any content thereon—such as logos, videos, text, information, graphics, icons, images, as well as the selection, assembly and arrangement thereof and related materials, Company’s trademarks, trade names, copyrightable materials, designs, “look and feel,” all whether or not registered and/or capable of being registered (collectively, “ **Content**”)—are the property of Company and/or its licensors and are subject to copyright and other intellectual property rights under applicable laws. You acknowledge and agree that you have no right, license, or authorization with respect to the Services or any of the technology underlying the Services except as expressly set forth in this Agreement. Nothing in this Agreement gives you the right to use Content without the Company’s prior written consent. You shall not, nor shall you permit any person and/or third party to: (1) attempt to modify, translate, reverse engineer, decompile, disassemble, or create derivative works based on the Services, Content, or the source code, object code, underlying structure, ideas, know‑how, software, algorithm, documentation, data related to the Services (“ **Software**”) except to the extent that enforcement is prohibited by applicable law notwithstanding a contractual provision to the contrary; (2) make the Services (or any derivative work thereof) available to, or use the Services (or any derivative thereof) for the benefit of anyone other than you; (3) sell, resell, license, sublicense, distribute, rent, or lease any Service to any third party, or include any Service (or any derivative thereof) in a bureau, time‑sharing, or equivalent offering; (4) publicly disseminate or disclose information from any source regarding the performance of the Services; (5) attempt to create a substitute or similar service through use of, or access to, the Services; (6) circumvent any user limits or other timing or use restrictions that are built into the Services; (7) remove any Content or other proprietary notices, labels, or marks from the Services; and/or (8) frame or mirror any content forming part of the Services. Notwithstanding anything to the contrary, you accept and assume all responsibility for complying with all applicable laws and regulations in connection with all of your activities involving any Services, or part thereof. ### **User Content** Our Service may allow you to post, link, store, share and otherwise make available certain information, data, numbers, text, graphics, videos, or other material (“ **User Content**”). You are responsible for User Content that you post on or through the Service, including its legality, reliability, and appropriateness. By posting User Content on or through the Service, You represent and warrant that: (i) the User Content is yours (you own it) and/or you have the right to use it and the right to grant us the rights and license as provided in this Agreement, and (ii) that the posting of User Content on or through the Service does not violate the privacy rights, publicity rights, copyrights, contract rights or any other rights of any person or entity. We reserve the right to terminate the account of anyone found to be infringing on a copyright. You retain any and all of your rights to any User Content you submit, post or display on or through the Service and you are responsible for protecting those rights. We take no responsibility and assume no liability for User Content you or any third party posts on or through the Service. However, by posting User Content and using the Service you grant us the right and license to use, modify, publicly perform, publicly display, reproduce, and distribute such User Content and the user behavior, transactions, interactions, habits, usage, and any other information that we may collect from time to time on and through the Service (together with User Content, “ **User Data**”), provided that it is reasonably anonymized at our sole and absolute discretion. For clarity, you acknowledge that the Company shall be permitted to use User Data for the purpose of training, improving, developing, and/or testing, in whole or in part, machine learning models, neural networks, generative models, predictive models, artificial intelligence algorithms, large‑language model (each and together, an “ **AI Model**”), and/or any prompts or instructions provided to any such AI Model, whether such AI Model is or has been developed by the Company or any third party, to improve or enhance the quality of the Services, or otherwise at our sole and absolute discretion. We have the right but not the obligation to monitor and edit all User Content provided by users. ## **Prohibited Uses** You may use the Service only for lawful purposes and in accordance with the Agreement. You agree not to use the Service: - In any way that violates any applicable national or international law or regulation. - For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content or otherwise. - To transmit, or procure the sending of, any advertising or promotional material, including any “junk mail”, “chain letter,” “spam,” or any other similar solicitation. - To impersonate or attempt to impersonate us, our employee(s), another user, or any other person or entity. - In any way that infringes upon the rights of others, or in any way is illegal, threatening, fraudulent, or harmful, or in connection with any unlawful, illegal, fraudulent, or harmful purpose or activity. - To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Service, or which, as determined by us, may harm or offend us or users of the Service or expose them to liability. Additionally, you agree not to: - Use the Service in any manner that could disable, overburden, damage, or impair the Service or interfere with any other party’s use of the Service, including their ability to engage in real‑time activities through the Service. - Use any robot, spider, or other automatic device, process, or means to access the Service for any purpose, including monitoring or copying any of the material on the Service. - Use any manual process to monitor or copy any of the material on the Service or for any other unauthorized purpose without our prior written consent. - Use any device, software, or routine that interferes with the proper working of the Service. - Introduce any viruses, trojan horses, worms, logic bombs, or other material which is malicious or technologically harmful. - Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Service, the server on which the Service is stored, or any server, computer, or database connected to the Service. - Attack the Service via a denial‑of‑service attack or a distributed denial‑of‑service attack. - Take any action that may damage or falsify our rating. - Use any downloaded data, information, or content to train, improve, develop, or test an AI Model. - Otherwise attempt to interfere with the proper working of the Service. ## **Analytics** We monitor and analyze the use of our Service using third‑party providers. ## **Communications** By creating an account on our Service, you agree to subscribe to newsletters, marketing or promotional materials and other information we may send. However, you may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or by emailing **team@neobanc.com**. ## **Accounts** When you create an account with us, you guarantee that you are above the age of 18, and that the information you provide us is accurate, complete, and current at all times. Inaccurate, incomplete, or obsolete information may result in the immediate termination of your account on the Service. We may be required to collect certain information from you, as required by law. You are responsible for maintaining the confidentiality of your account and password, including but not limited to the restriction of access to your computer and/or account. You agree to accept responsibility for any and all activities or actions that occur under your account and/or password, whether your password is with our Service or a third‑party service. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account. You may not use as a username the name of another person or entity or that is not lawfully available for use, a name or trademark that is subject to any rights of another person or entity other than you, without appropriate authorization. You may not use as a username any name that is offensive, vulgar or obscene. We reserve the right to refuse service, terminate accounts, remove or edit content, or cancel orders in our sole and absolute discretion. ## **Compliance: KYC/AML** You agree that **Neobanc Inc.**, as a FINTRAC‑registered MSB (C100000880), may perform identity verification (KYC), sanctions screening, transaction monitoring, and other AML/ATF controls in accordance with applicable law and any Supplemental Terms. You agree to promptly provide all information and documentation requested for such purposes, and you acknowledge that failure to do so may result in transaction delays, holds, or denial of service. ## **Error Reporting and Feedback** You may provide us directly at **team@neobanc.com** with information and feedback concerning errors, suggestions for improvements, ideas, problems, complaints, and other matters related to our Service (“ **Feedback**”). You acknowledge and agree that: (i) you shall not retain, acquire or assert any intellectual property right or other right, title or interest in or to the Feedback; (ii) Company may have development ideas similar to the Feedback; (iii) Feedback does not contain confidential information or proprietary information from you or any third party; and (iv) Company is not under any obligation of confidentiality with respect to the Feedback. In the event the transfer of the ownership to the Feedback is not possible due to applicable mandatory laws, you grant Company and its affiliates an exclusive, transferable, irrevocable, free‑of‑charge, sub‑licensable, unlimited and perpetual right to use (including copy, modify, create derivative works, publish, distribute and commercialize) Feedback in any manner and for any purpose. ## **Links To Other Websites** Our Service may contain links or embedded services (whether obvious or not) to third‑party websites or services that are not owned or controlled by us. For example, as part of our Service, you may be connected with one of our partner loan providers. We have no control over and assume no responsibility for your loan application, whether your application is approved, the terms of repayment, or any other matters except your payment of rent. The terms and conditions of your loan and all related matters will be governed by your unique and specific relationship with our partner loan provider. We have no control over, and assume no responsibility for the Content, privacy policies, or practices of any third‑party websites or services. We do not warrant the offerings of any of these entities/individuals or their websites. **YOU ACKNOWLEDGE AND AGREE THAT WE SHALL NOT BE RESPONSIBLE OR LIABLE, DIRECTLY OR INDIRECTLY, FOR ANY DAMAGE OR LOSS CAUSED OR ALLEGED TO BE CAUSED BY OR IN CONNECTION WITH USE OF OR RELIANCE ON ANY SUCH CONTENT, GOODS OR SERVICES AVAILABLE ON OR THROUGH ANY SUCH THIRD‑PARTY WEBSITES OR SERVICES.** We strongly advise you to read the terms of service and privacy policies of any third‑party websites or services that you visit. ## **Important Disclaimers and Notices** - **WE ARE NOT RESPONSIBLE TO YOU OR TO YOUR LANDLORD IN THE EVENT THAT YOU ARE IN DEFAULT IN ANY CAPACITY IN YOUR LEASE.** - **WE MAY TAKE LONGER THAN 3 (THREE) BUSINESS DAYS TO PROCESS YOUR PAYMENT AND SEND YOUR RENT PAYMENT TO YOUR LANDLORD. YOU AGREE THAT YOU ARE SOLELY RESPONSIBLE FOR ANY LATE FEES, DEFAULTS, OR CONSEQUENCES OF ANY KIND RELATED TO THE LATE PAYMENT OF RENT.** - **SOME CARD ISSUERS MAY CLASSIFY RENT OR MORTGAGE PAYMENTS AS CASH ADVANCES, WHICH MAY INCUR IMMEDIATE INTEREST OR ADDITIONAL FEES. CHECK WITH YOUR BANK OR CARD ISSUER BEFORE USING A CREDIT CARD FOR SUCH PAYMENTS.** - **WE ARE NOT A CONSUMER CREDIT PROVIDER OR MICRO‑LENDER AND WE DO NOT CARRY ON ANY ACTIVITY IN RESPECT OF CREDIT OR LENDING SERVICES.** - **NONE OF THE INFORMATION, SERVICE, OR MATERIALS OFFERED BY THE SERVICE CONSTITUTE AND ARE NOT INTENDED TO CONSTITUTE ADVICE OF ANY KIND AND YOU SHOULD NOT ACT OR REFRAIN FROM ACTING BASED ON ANY INFORMATION, SERVICE OR MATERIALS PROVIDED IN THE SERVICE.** All content on the Service is information of a general nature and does not address the unique circumstances of any particular user. You are strongly urged to consult with your own advisors as to all questions you may have. - **WE DO NOT CONTROL HOW ANY CONSUMER‑REPORTING AGENCY USES OR WEIGHTS RENT‑PAYMENT DATA, AND WE ARE NOT RESPONSIBLE FOR ANY CHANGE TO YOUR CREDIT SCORE OR CREDITWORTHINESS.** **NOTICE REGARDING PREPAID GIFT CARD SERVICES** For avoidance of doubt, **Neobanc Inc.** performs and is responsible for all regulated money services associated with Prepaid Gift Card Services under **FINTRAC MSB number C100000880**. Neobanc may source gift card inventory or related technology from third‑party **Prepaid Gift Card Suppliers** (for example, **Phaze Inc.**). Such suppliers **do not** act as Neobanc’s agents or program managers and **do not** provide regulated money services to you. Questions or complaints specific to supplier‑provided content or inventory may be subject to such supplier’s policies where applicable; questions about regulated money services should be directed to Neobanc. You assume all risks and all costs associated with your use of the Service, including, without limitation, any internet access fees, banking fees, transaction fees, back‑up expenses, costs incurred for the use of your device and peripherals, and any damage to any equipment, software, information or data. You are responsible for configuring your own information technology, computer programs and platform in order to access the Service. You should use your own virus protection software. The Government of Canada prohibits Canadian companies from engaging in all or certain commercial activities with certain sanctioned countries (each a “ **Canadian Sanctioned Country**”) and certain individuals, organizations or entities, including without limitation certain specially designated nationals (each a “ **Canadian SDN**”) listed in the **Consolidated Canadian Autonomous Sanctions List**. If you use the Service, you expressly represent that you are not located in a Canadian Sanctioned Country and are not listed as a Canadian SDN. If we determine that the Service is being used by prohibited persons, we will take any and all actions to terminate your access to the Service. ## **Disclaimer Of Warranty** THESE SERVICES ARE PROVIDED BY US ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SERVICES, OR THE INFORMATION, CONTENT OR MATERIALS INCLUDED THEREIN. YOU EXPRESSLY AGREE THAT YOUR USE OF THESE SERVICES, THEIR CONTENT, AND ANY SERVICES OR ITEMS OBTAINED FROM US IS AT YOUR SOLE RISK. NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE SERVICES. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANYONE ASSOCIATED WITH THE COMPANY REPRESENTS OR WARRANTS THAT THE SERVICES, THEIR CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SERVICES WILL BE ACCURATE, RELIABLE, ERROR‑FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT THE SERVICES OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE SERVICES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SERVICES WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS. WE HEREBY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON‑INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE. THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW. ## **Limitation Of Liability** EXCEPT AS PROHIBITED BY LAW, YOU WILL HOLD US AND OUR OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS HARMLESS FOR ANY DIRECT, INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGE, HOWEVER IT ARISES (INCLUDING WITHOUT LIMITATION, ATTORNEYS’ FEES AND ALL RELATED COSTS AND EXPENSES OF LITIGATION AND ARBITRATION, OR AT TRIAL OR ON APPEAL, IF ANY, WHETHER OR NOT LITIGATION OR ARBITRATION IS INSTITUTED), WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTION, OR ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT, INCLUDING WITHOUT LIMITATION ANY CLAIM FOR PERSONAL INJURY OR PROPERTY DAMAGE, ARISING FROM THIS AGREEMENT AND ANY VIOLATION BY YOU OF ANY FEDERAL, PROVINCIAL, STATE, OR LOCAL LAWS, STATUTES, RULES, OR REGULATIONS, EVEN IF WE HAVE BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. EXCEPT AS PROHIBITED BY LAW, IF THERE IS LIABILITY FOUND ON THE PART OF THE COMPANY, IT WILL BE LIMITED TO THE AMOUNT PAID FOR THE PRODUCTS AND/OR SERVICES DURING THE **0 DAYS** PRIOR TO THE NOTICE OF CLAIM. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE PRIOR LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. ## **Indemnification** You agree to indemnify, defend, and hold harmless the Company, its affiliates, officers, directors, employees, agents, licensors, and suppliers from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys’ fees) that such parties may incur as a result of or arising from your (or anyone using your account) violation of these Terms of Service or any applicable law, regulation, or the rights of any third party. The Company reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you agree to cooperate with the Company’s defense of these claims. ## **Release** Accordingly, you expressly agree that you and all users assume all risks in connection with their respective access and use of the Service and all parts thereof; and, you expressly release the Company, its directors, officers, employees, and agents (the “ **Releasees**”) from, and hold them harmless from and against, any and all liability, claims, causes of action, losses, expenses, or damages (whether arising in law or equity, including but not limited to special, consequential, indirect, punitive, and exemplary damages, and including but not limited to economic loss, business disruption, and/or attorney’s fees) arising from or in any way related to the Service or any part thereof. You expressly waive all such claims against the Releasees. ## **Termination** We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Agreement. If you wish to terminate your account, you may simply discontinue using the Service. All provisions of the Agreement which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability. ## **Changes To Service** We reserve the right to withdraw or amend our Service and any part thereof, and any service or material we provide via our Service, in our sole discretion without notice. We will not be liable if for any reason all or any part of our Service is unavailable at any time or for any period. From time to time, we may restrict access to some parts of our Service, or the entire Service, to users, including registered users. ## **Amendments** We may amend this Agreement, without notice to you, at any time by posting the amended terms on or within the Services. It is your responsibility to review this Agreement periodically. Your continued use of the Service following the posting of a revised Agreement means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you. By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service. ## **Waiver And Severability** No waiver by us of any term or condition set forth in the Agreement shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of us to assert a right or provision under the Agreement shall not constitute a waiver of such right or provision. If any provision of the Agreement is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Agreement will continue in full force and effect. ## **Assignment** Neither party may assign any of its rights or obligations hereunder, whether by operation of law or otherwise, without the prior written consent of the other party (not to be unreasonably withheld). Notwithstanding the foregoing, we may assign this Agreement in its entirety, without your consent, to an affiliate or in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all its business, shares, or assets. Any attempt by a party to assign its rights or obligations under this Agreement in breach of this section shall be void and of no effect. Subject to the foregoing, this Agreement shall bind and inure to the benefit of the parties, their respective successors and permitted assigns. ## **Acknowledgement** BY USING THE SERVICE OR OTHER SERVICES PROVIDED BY US, YOU ACKNOWLEDGE THAT YOU HAVE READ THIS AGREEMENT AND AGREE TO BE BOUND BY IT. ## **Independent Legal Advice** You acknowledge and confirm that prior to accepting this Agreement, the Company requested that you obtain independent legal advice with respect to the rights, obligations, disclaimers, and notices herein. You confirm and agree that: (1) you have agreed to this Agreement under your own volition and without any duress whatsoever from the Company or any other person or entity; and (2) if you did not obtain independent legal advice prior to accepting this Agreement, you will not in any proceeding relating to the enforcement of rights and obligations under this Agreement raise that as a defense or otherwise. ## **Force Majeure** Neither party shall be responsible for its failure to perform its obligations under this Agreement to the extent due to unforeseen circumstances or causes beyond its control, including but not limited to acts of God, wars, terrorism, riots, embargoes, acts of civil or military authorities, fires, floods, accidents, or strikes, epidemics, computer, telecommunications, Internet service provider or hosting facility failures or delays involving hardware, software or power systems not within a party’s possession or reasonable control, provided that such party gives the other party prompt written notice of the failure to perform and the reason therefore and uses its reasonable efforts to limit the resulting delay in its performance. ## **Governing Law** This Agreement shall be governed and construed in accordance with the laws of the Province of Ontario, and/or the federal laws of Canada as applicable therein, without regard to its conflict of law provisions. ## **Dispute Resolution** The parties hereto shall initially attempt to resolve all claims, disputes or controversies arising under, out of or in connection with this Agreement by conducting good‑faith negotiations amongst themselves. If the parties are unable to resolve the matter following good‑faith negotiations, the parties shall hereby irrevocably and unconditionally submit to the jurisdiction of the courts in Toronto, Ontario, Canada. ‍ ‍ ## Grow your savings, start earning more cashback today [Get Started\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Get Started](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Flegal%2Fterms-of-use) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69347197d21239273e670f43_554352cf48bf141b0065bba97ca75d32_Neobanc%20Logo%20Horizontal.svg)](https://www.neobanc.com/legal/terms-of-use#) Turn everyday expenses into monthly rewards. Neobanc makes it easy to pay rent, handle bills, manage your mortgage, and buy gift cards, all while earning cashback on the essentials of life. [![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12277_Icon.svg)](https://www.facebook.com/neobanc/)[![Logo](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12275_Logo.svg)](https://www.linkedin.com/company/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12289_Icon.svg)](https://www.instagram.com/neobanccom)[![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694181ee1f461c320e35fbe9_26c77da5aa4eb1dc9a8a687b8c669305_youtube.svg)](https://www.youtube.com/@neobanc) Quick links [Home](https://www.neobanc.com/) [About Us](https://www.neobanc.com/about-neobanc) [Cashback Calculator](https://www.neobanc.com/cashback-calculator) [WTFaqs](https://www.neobanc.com/neobanc-faq) [Articles](https://www.neobanc.com/articles) Features [Rent](https://www.neobanc.com/cashback-on-rent) [Bills](https://www.neobanc.com/cashback-on-bills) [Mortgages](https://www.neobanc.com/cashback-on-mortgages) [Giftcards](https://www.neobanc.com/cashback-on-gift-cards) Address 1050 King St W Toronto, ON M6K 0C7 Canada Contact [Call Us](tel:+1(647)559-2909) [Email Us](mailto:team@neobanc.com) © 2025 Neobanc Inc. \|  MSB Licence Number: C100000880 Under Neo Fortune Financial Inc. [Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Complaints](https://www.neobanc.com/legal/complaints) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) Chat Widget ## Neobanc Contest ![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241a_Box%20(2).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241b_Box%20(3).webp) ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122d2_Icon.svg)![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122d3_Icon.svg) # We’re covering up to $500 toward someone’s credit card bill $500 if you have a Neobanc account, $250 if you don’t. Still time to sign up. 😉 [Get Started\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Get Started](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Fcreditcard-contest-dec-10) ![UV Ray](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1243a_UV%20Ray.webp) Contest ## What you can win This contest offers real cashback for our users. Enter once, win big, and watch your Neobanc credit grow. ### Win Up to $ 500 in Neobanc Cashback credit ### Contest Details Neobanc is giving away **up to $500** toward someone’s credit card bill this holiday season. If the winner has a Neobanc account, they receive the **$500** prize. If not, they’ll receive **$250**, and they can still sign up before the contest ends. Enter on Instagram for your chance to win. Contest runs **December 10–16, 2025**, and the winner will be announced on **December 17, 2025**. ‍ [Sign Up Today](https://app.neobanc.com/auth/signin?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Fcreditcard-contest-dec-10) Getting Started ## How to Enter ![Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb3_68444a98b4e98f0c47f1f468c920e948_Vector%2048.svg) 01 ![Lower Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb0_8538de26fa578fdba65bd182dea79248_Group%201009002137%20(1).svg) Follow @neobanccom Head to Instagram and hit follow. We announce winners there first. Enter the Contest Follow the rules on our Instagram to enter. Reminder, it's unlimited entries! ![Upper Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb1_0fca6323a04ff2b5f58ffdadc9e25069_Group%201009002137.svg) 02 ![Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb2_7446885b60301b92964a539461edf1d6_Vector%2048%20(1).svg) ![Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb3_68444a98b4e98f0c47f1f468c920e948_Vector%2048.svg) 03 ![Lower Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb0_8538de26fa578fdba65bd182dea79248_Group%201009002137%20(1).svg) Create a Neobanc Account Sign up for a free Neobanc in under two minutes. Watch for Winner Annoucment We announce winners on Instagram Stories and DMs! Check back on the announcement date. ![Upper Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb1_0fca6323a04ff2b5f58ffdadc9e25069_Group%201009002137.svg) 04 ## Your Spending, Streamlined and Rewarded ## Handle rent, bills, mortgage payments, and gift card purchases effortlessly — and earn cashback on all of it. Neobanc gives you one clean overview of your payments, balances, and rewards, updated in real time.  Your money finally works for you. Current Cashback Balance $1,178.25 ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122c1_icon.svg) Cashback balance $1,178.25 This Month's Cashback $553.00 Rent Amount $2750.00 Recent Bill Payments $2,062.25 ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69370753fda4245347b60eeb_Group%201597883777.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693705e8f61e48a8d472d864_Frame%2046.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69370602fc699a8a00db463a_Frame%2045.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693705ce8b7588e80efadff2_Frame%2044.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69370639ef6a17408c02baec_Frame%2047.png)![Round shape](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122f4_Round%20multishape.webp)![Round shape](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122c6_Round%20shape.webp)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693705146a3582d2c6a81d6d_cashback-circle.png) Cashback on all Your Expenses Neobanc helps you save money on the payments you can’t avoid. Track your spending, earn cashback instantly, and keep more of your money each month. ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693704341b3f701b6a7c6256_hand-card.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693704341b3f701b6a7c6256_hand-card.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693704341b3f701b6a7c6256_hand-card.png) Effortless rewards, every month Every payment you make through Neobanc contributes to your cashback balance, helping you save without even thinking about it. [Get started now\\ \\ ![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)\\ \\ Get started now](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Fcreditcard-contest-dec-10) Important Dates ## How to Enter Start The contest begins on December 10, 2025 Close The contest ends on December 16, 2025 Winner Winner announced on Instagram Stories and via DM. Check our account for the big reveal and keep an eye on your inbox. December 17, 2025 Claim Winner must have a free Neobanc account to claim the prize. Credit Credit will be added to the winners Neobanc cashback balance. OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS **Neobanc Credit Card Bill Contest – December 2025** **1\. Contest Period** The contest begins on **December 10, 2025 at 2:00 PM ET** and ends on **December 16, 2025 at 11:59 PM ET** (“Contest Period”). The winner will be selected and announced on **December 17, 2025**. **2\. Eligibility** This contest is open to: • Legal residents of Canada (excluding Quebec) • Individuals aged 18 years or older at the time of entry • Both new and existing Neobanc users Void where prohibited by law. Employees, contractors, or affiliates of Neobanc may participate but are **not eligible to win**. **3\. How to Enter** To enter: 1. Like the official contest post on Instagram 2. Follow @neobanccom 3. Tag friends in the comments 4. Each friend tagged = **1 entry** 5. Share the contest post to your Instagram Story and tag @neobanccom 6. Story share = **10 bonus entries** 7. Unlimited entries. 8. No purchase necessary. 9. All entries must be submitted during the Contest Period. **4\. Prize Details** One (1) winner will receive: • **Up to $500 toward their credit card bill** – If the winner has a Neobanc account at the time of selection: **$500 prize** – If the winner does not have an account: **$250 prize** Winner must provide proof of a credit card bill. Prize is non-transferable and must be accepted as awarded. **5\. Winner Selection & Notification** The winner will be selected randomly from all eligible entries. The winner will be contacted via **Instagram DM** from @neobanccom. If the selected winner does not respond within 48 hours, Neobanc may select an alternate winner. **6\. General Conditions** Neobanc reserves the right to cancel, modify, or suspend the contest in the event of technical issues or tampering. By entering, participants consent to Neobanc using their first name, city, and/or entry for promotional purposes. ‍ ## Grow your savings, start earning more cashback today [Get Started\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Get Started](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Fcreditcard-contest-dec-10) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69347197d21239273e670f43_554352cf48bf141b0065bba97ca75d32_Neobanc%20Logo%20Horizontal.svg)](https://www.neobanc.com/neobanc-contest/creditcard-contest-dec-10#) Turn everyday expenses into monthly rewards. Neobanc makes it easy to pay rent, handle bills, manage your mortgage, and buy gift cards, all while earning cashback on the essentials of life. [![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12277_Icon.svg)](https://www.facebook.com/neobanc/)[![Logo](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12275_Logo.svg)](https://www.linkedin.com/company/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12289_Icon.svg)](https://www.instagram.com/neobanccom)[![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694181ee1f461c320e35fbe9_26c77da5aa4eb1dc9a8a687b8c669305_youtube.svg)](https://www.youtube.com/@neobanc) Quick links [Home](https://www.neobanc.com/) [About Us](https://www.neobanc.com/about-neobanc) [Cashback Calculator](https://www.neobanc.com/cashback-calculator) [WTFaqs](https://www.neobanc.com/neobanc-faq) [Articles](https://www.neobanc.com/articles) Features [Rent](https://www.neobanc.com/cashback-on-rent) [Bills](https://www.neobanc.com/cashback-on-bills) [Mortgages](https://www.neobanc.com/cashback-on-mortgages) [Giftcards](https://www.neobanc.com/cashback-on-gift-cards) Address 1050 King St W Toronto, ON M6K 0C7 Canada Contact [Call Us](tel:+1(647)559-2909) [Email Us](mailto:team@neobanc.com) © 2025 Neobanc Inc. \|  MSB Licence Number: C100000880 Under Neo Fortune Financial Inc. [Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Complaints](https://www.neobanc.com/legal/complaints) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) Chat Widget ## Credit Card Contest ![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241a_Box%20(2).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241b_Box%20(3).webp) ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122d2_Icon.svg)![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122d3_Icon.svg) # We’re covering up to $500 toward someone’s credit card bill $500 if you have a Neobanc account, $250 if you don’t. Still time to sign up. 😉 [Get Started\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Get Started](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Fcreditcard-contest-jan-13) ![UV Ray](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1243a_UV%20Ray.webp) Contest ## What you can win This contest offers real cashback for our users. Enter once, win big, and watch your Neobanc credit grow. ### Win Up to $ 500 in Neobanc Cashback credit ### Contest Details Neobanc is giving away **up to $500** toward someone’s credit card bill this holiday season. If the winner has a Neobanc account, they receive the **$500** prize. If not, they’ll receive **$250**, and they can still sign up before the contest ends. Enter on Instagram for your chance to win. Contest runs **January 13th, 2026 to January 19th, 2026,** and the winner will be announced on **January 20th, 2026**. ‍ [Sign Up Today](https://app.neobanc.com/auth/signin?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Fcreditcard-contest-jan-13) Getting Started ## How to Enter ![Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb3_68444a98b4e98f0c47f1f468c920e948_Vector%2048.svg) 01 ![Lower Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb0_8538de26fa578fdba65bd182dea79248_Group%201009002137%20(1).svg) Follow @neobanccom Head to Instagram and hit follow. We announce winners there first. Enter the Contest Follow the rules on our Instagram to enter. Reminder, it's unlimited entries! ![Upper Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb1_0fca6323a04ff2b5f58ffdadc9e25069_Group%201009002137.svg) 02 ![Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb2_7446885b60301b92964a539461edf1d6_Vector%2048%20(1).svg) ![Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb3_68444a98b4e98f0c47f1f468c920e948_Vector%2048.svg) 03 ![Lower Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb0_8538de26fa578fdba65bd182dea79248_Group%201009002137%20(1).svg) Create a Neobanc Account Sign up for a free Neobanc in under two minutes. Watch for Winner Annoucment We announce winners on Instagram Stories and DMs! Check back on the announcement date. ![Upper Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb1_0fca6323a04ff2b5f58ffdadc9e25069_Group%201009002137.svg) 04 ## Your Spending, Streamlined and Rewarded ## Handle rent, bills, mortgage payments, and gift card purchases effortlessly — and earn cashback on all of it. Neobanc gives you one clean overview of your payments, balances, and rewards, updated in real time.  Your money finally works for you. Current Cashback Balance $1,178.25 ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122c1_icon.svg) Cashback balance $1,178.25 This Month's Cashback $553.00 Rent Amount $2750.00 Recent Bill Payments $2,062.25 ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69370753fda4245347b60eeb_Group%201597883777.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693705e8f61e48a8d472d864_Frame%2046.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69370602fc699a8a00db463a_Frame%2045.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693705ce8b7588e80efadff2_Frame%2044.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69370639ef6a17408c02baec_Frame%2047.png)![Round shape](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122f4_Round%20multishape.webp)![Round shape](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122c6_Round%20shape.webp)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693705146a3582d2c6a81d6d_cashback-circle.png) Cashback on all Your Expenses Neobanc helps you save money on the payments you can’t avoid. Track your spending, earn cashback instantly, and keep more of your money each month. ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693704341b3f701b6a7c6256_hand-card.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693704341b3f701b6a7c6256_hand-card.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693704341b3f701b6a7c6256_hand-card.png) Effortless rewards, every month Every payment you make through Neobanc contributes to your cashback balance, helping you save without even thinking about it. [Get started now\\ \\ ![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)\\ \\ Get started now](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Fcreditcard-contest-jan-13) Important Dates ## How to Enter Start The contest begins on January 13, 2026 Close The contest ends on January 19, 2026 Winner Winner announced on Instagram Stories and via DM. Check our account for the big reveal and keep an eye on your inbox. January 20, 2026 Claim Winner must have a free Neobanc account to claim the prize. Credit Credit will be added to the winners Neobanc cashback balance. OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS Neobanc Credit Card Bill Contest – January 2026 1\. Contest Period The contest begins on January 13th, 2026 at 2:00 PM ET and ends on January 19th, 2026 at 11:59 PM ET (“Contest Period”). The winner will be selected and announced on January 20th, 2026. 2\. Eligibility This contest is open to: • Legal residents of Canada (excluding Quebec) • Individuals aged 18 years or older at the time of entry • Both new and existing Neobanc users Void where prohibited by law. Employees, contractors, or affiliates of Neobanc may participate but are not eligible to win. 3\. How to Enter To enter: 1. Like the official contest post on Instagram 2. Follow @neobanccom 3. Tag friends in the comments 4. Each friend tagged = 1 entry 5. Share the contest post to your Instagram Story and tag @neobanccom 6. Story share = 10 bonus entries 7. Unlimited entries. 8. No purchase necessary. 9. All entries must be submitted during the Contest Period. 4\. Prize Details One (1) winner will receive: • Up to $500 toward their credit card bill – If the winner has a Neobanc account at the time of selection: $500 prize – If the winner does not have an account: $250 prize Winner must provide proof of a credit card bill. Prize is non-transferable and must be accepted as awarded. 5\. Winner Selection & Notification The winner will be selected randomly from all eligible entries. The winner will be contacted via Instagram DM from @neobanccom. If the selected winner does not respond within 48 hours, Neobanc may select an alternate winner. 6\. General Conditions Neobanc reserves the right to cancel, modify, or suspend the contest in the event of technical issues or tampering. By entering, participants consent to Neobanc using their first name, city, and/or entry for promotional purposes. ‍ ## Grow your savings, start earning more cashback today [Get Started\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Get Started](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Fcreditcard-contest-jan-13) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69347197d21239273e670f43_554352cf48bf141b0065bba97ca75d32_Neobanc%20Logo%20Horizontal.svg)](https://www.neobanc.com/neobanc-contest/creditcard-contest-jan-13#) Turn everyday expenses into monthly rewards. Neobanc makes it easy to pay rent, handle bills, manage your mortgage, and buy gift cards, all while earning cashback on the essentials of life. [![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12277_Icon.svg)](https://www.facebook.com/neobanc/)[![Logo](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12275_Logo.svg)](https://www.linkedin.com/company/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12289_Icon.svg)](https://www.instagram.com/neobanccom)[![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694181ee1f461c320e35fbe9_26c77da5aa4eb1dc9a8a687b8c669305_youtube.svg)](https://www.youtube.com/@neobanc) Quick links [Home](https://www.neobanc.com/) [About Us](https://www.neobanc.com/about-neobanc) [Cashback Calculator](https://www.neobanc.com/cashback-calculator) [WTFaqs](https://www.neobanc.com/neobanc-faq) [Articles](https://www.neobanc.com/articles) Features [Rent](https://www.neobanc.com/cashback-on-rent) [Bills](https://www.neobanc.com/cashback-on-bills) [Mortgages](https://www.neobanc.com/cashback-on-mortgages) [Giftcards](https://www.neobanc.com/cashback-on-gift-cards) Address 1050 King St W Toronto, ON M6K 0C7 Canada Contact [Call Us](tel:+1(647)559-2909) [Email Us](mailto:team@neobanc.com) © 2025 Neobanc Inc. \|  MSB Licence Number: C100000880 Under Neo Fortune Financial Inc. [Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Complaints](https://www.neobanc.com/legal/complaints) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) Chat Widget ## Neobanc Credit Contest ![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241a_Box%20(2).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241b_Box%20(3).webp) ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122d2_Icon.svg)![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122d3_Icon.svg) # We’re covering up to $500 toward someone’s credit card bill $500 for Neobanc account holders, $250 for non-account holders. Pro tip: you can still sign up before the contest ends 😉 [Get Started\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Get Started](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Fcreditcard-contest-jan-2026) ![UV Ray](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1243a_UV%20Ray.webp) Contest ## What you can win This contest offers real cashback for our users. Enter once, win big, and watch your Neobanc credit grow. ### Win Up to $ 500 in Neobanc Cashback credit ### Contest Details Neobanc is covering **up to $500** toward one winner’s credit card bill. Neobanc account holders receive the full $500 prize. Non-account holders receive $250 — you can still sign up before the contest ends. Contest runs **January 2–7, 2026**. Winner announced **January 8, 2026**. ‍ [Sign Up Today](https://app.neobanc.com/auth/signin?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Fcreditcard-contest-jan-2026) Getting Started ## How to Enter ![Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb3_68444a98b4e98f0c47f1f468c920e948_Vector%2048.svg) 01 ![Lower Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb0_8538de26fa578fdba65bd182dea79248_Group%201009002137%20(1).svg) Follow @neobanccom Head to Instagram and hit follow. We announce winners there first. Enter the Contest Follow the rules on our Instagram to enter. Reminder, it's unlimited entries! ![Upper Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb1_0fca6323a04ff2b5f58ffdadc9e25069_Group%201009002137.svg) 02 ![Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb2_7446885b60301b92964a539461edf1d6_Vector%2048%20(1).svg) ![Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb3_68444a98b4e98f0c47f1f468c920e948_Vector%2048.svg) 03 ![Lower Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb0_8538de26fa578fdba65bd182dea79248_Group%201009002137%20(1).svg) Create a Neobanc Account Sign up for a free Neobanc in under two minutes. Watch for Winner Annoucment We announce winners on Instagram Stories and DMs! Check back on the announcement date. ![Upper Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb1_0fca6323a04ff2b5f58ffdadc9e25069_Group%201009002137.svg) 04 ## Your Spending, Streamlined and Rewarded ## Handle rent, bills, mortgage payments, and gift card purchases effortlessly — and earn cashback on all of it. Neobanc gives you one clean overview of your payments, balances, and rewards, updated in real time.  Your money finally works for you. Current Cashback Balance $1,178.25 ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122c1_icon.svg) Cashback balance $1,178.25 This Month's Cashback $553.00 Rent Amount $2750.00 Recent Bill Payments $2,062.25 ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69370753fda4245347b60eeb_Group%201597883777.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693705e8f61e48a8d472d864_Frame%2046.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69370602fc699a8a00db463a_Frame%2045.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693705ce8b7588e80efadff2_Frame%2044.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69370639ef6a17408c02baec_Frame%2047.png)![Round shape](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122f4_Round%20multishape.webp)![Round shape](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122c6_Round%20shape.webp)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693705146a3582d2c6a81d6d_cashback-circle.png) Cashback on all Your Expenses Neobanc helps you save money on the payments you can’t avoid. Track your spending, earn cashback instantly, and keep more of your money each month. ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693704341b3f701b6a7c6256_hand-card.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693704341b3f701b6a7c6256_hand-card.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693704341b3f701b6a7c6256_hand-card.png) Effortless rewards, every month Every payment you make through Neobanc contributes to your cashback balance, helping you save without even thinking about it. [Get started now\\ \\ ![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)\\ \\ Get started now](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Fcreditcard-contest-jan-2026) Important Dates ## How to Enter Start The contest begins on January 2, 2026 Close The contest ends on January 7, 2026 Winner Winner announced on Instagram Stories and via DM. Check our account for the big reveal and keep an eye on your inbox. January 8, 2026 Claim Winner must have a free Neobanc account to claim the prize. Credit Credit will be added to the winners Neobanc cashback balance. OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS **OFFICIAL RULES & REGULATIONS** **Neobanc Credit Card Bill Contest – January 2026** **1\. Contest Period** The contest begins on **January 02, 2026** and ends on **January 07, 2026** (“Contest Period”). The winner will be selected and announced on **January 08, 2026**. **2\. Eligibility** This contest is open to: • Legal residents of Canada (excluding Quebec) • Individuals aged 18 years or older at the time of entry • Both new and existing Neobanc users Void where prohibited by law. Employees, contractors, or affiliates of Neobanc may participate but are not eligible to win. **3\. How to Enter** ❤️ Like the official contest post on Instagram 👤 Follow **@neobanccom** 💬 Tag friends in the comments • Each friend tagged = **1 entry** 📲 Share the post to your Instagram Story and tag @neobanccom • Story share = **10 bonus entries** 🔁 **Unlimited entries** No purchase necessary. ‍ **4\. Prize Details** One (1) winner will receive a credit toward their Neobanc cashback balance to apply to a credit card bill as follows: • **$500** if the winner has a Neobanc account at the time of selection • **$250** if the winner does not have a Neobanc account Winner must provide proof of a credit card bill. Prize is non-transferable. **5\. Winner Selection & Notification** The winner will be randomly selected from all eligible entries on **January 08, 2026**. The winner will be contacted via Instagram DM from the official **@neobanccom** account. If the selected winner does not respond within 48 hours, Neobanc reserves the right to select an alternate winner. **6\. General Conditions** Neobanc reserves the right to cancel, modify, or suspend the contest in the event of tampering, fraud, or technical issues. By entering, participants agree to allow Neobanc to use their first name, city, and/or entry for promotional purposes. ‍ ## Grow your savings, start earning more cashback today [Get Started\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Get Started](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Fcreditcard-contest-jan-2026) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69347197d21239273e670f43_554352cf48bf141b0065bba97ca75d32_Neobanc%20Logo%20Horizontal.svg)](https://www.neobanc.com/neobanc-contest/creditcard-contest-jan-2026#) Turn everyday expenses into monthly rewards. Neobanc makes it easy to pay rent, handle bills, manage your mortgage, and buy gift cards, all while earning cashback on the essentials of life. [![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12277_Icon.svg)](https://www.facebook.com/neobanc/)[![Logo](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12275_Logo.svg)](https://www.linkedin.com/company/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12289_Icon.svg)](https://www.instagram.com/neobanccom)[![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694181ee1f461c320e35fbe9_26c77da5aa4eb1dc9a8a687b8c669305_youtube.svg)](https://www.youtube.com/@neobanc) Quick links [Home](https://www.neobanc.com/) [About Us](https://www.neobanc.com/about-neobanc) [Cashback Calculator](https://www.neobanc.com/cashback-calculator) [WTFaqs](https://www.neobanc.com/neobanc-faq) [Articles](https://www.neobanc.com/articles) Features [Rent](https://www.neobanc.com/cashback-on-rent) [Bills](https://www.neobanc.com/cashback-on-bills) [Mortgages](https://www.neobanc.com/cashback-on-mortgages) [Giftcards](https://www.neobanc.com/cashback-on-gift-cards) Address 1050 King St W Toronto, ON M6K 0C7 Canada Contact [Call Us](tel:+1(647)559-2909) [Email Us](mailto:team@neobanc.com) © 2025 Neobanc Inc. \|  MSB Licence Number: C100000880 Under Neo Fortune Financial Inc. [Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Complaints](https://www.neobanc.com/legal/complaints) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) Chat Widget ## Phone Bill Contest ![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241a_Box%20(2).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241b_Box%20(3).webp) ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122d2_Icon.svg)![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122d3_Icon.svg) # We’re paying someone’s phone bill this week Up to $250 covered — just in time for the holiday season. Unlimited entries. No purchase necessary. [Get Started\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Get Started](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Fmobile-phone-contest-dec-18) ![UV Ray](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1243a_UV%20Ray.webp) Contest ## What you can win This contest offers real cashback for our users. Enter once, win big, and watch your Neobanc credit grow. ### Win Up to $ 250 in Neobanc Cashback credit ### Contest Details Neobanc is covering **up to $250** toward one winner’s mobile phone bill — just in time for the holiday season. Enter on Instagram for your chance to win. Unlimited entries. No purchase necessary. Contest runs **December 18–23, 2025**. Winner announced **December 25, 2025**. ‍ [Sign Up Today](https://app.neobanc.com/auth/signin?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Fmobile-phone-contest-dec-18) Getting Started ## How to Enter ![Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb3_68444a98b4e98f0c47f1f468c920e948_Vector%2048.svg) 01 ![Lower Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb0_8538de26fa578fdba65bd182dea79248_Group%201009002137%20(1).svg) Follow @neobanccom Head to Instagram and hit follow. We announce winners there first. Enter the Contest Follow the rules on our Instagram to enter. Reminder, it's unlimited entries! ![Upper Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb1_0fca6323a04ff2b5f58ffdadc9e25069_Group%201009002137.svg) 02 ![Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb2_7446885b60301b92964a539461edf1d6_Vector%2048%20(1).svg) ![Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb3_68444a98b4e98f0c47f1f468c920e948_Vector%2048.svg) 03 ![Lower Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb0_8538de26fa578fdba65bd182dea79248_Group%201009002137%20(1).svg) Create a Neobanc Account Sign up for a free Neobanc in under two minutes. Watch for Winner Annoucment We announce winners on Instagram Stories and DMs! Check back on the announcement date. ![Upper Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb1_0fca6323a04ff2b5f58ffdadc9e25069_Group%201009002137.svg) 04 ## Your Spending, Streamlined and Rewarded ## Handle rent, bills, mortgage payments, and gift card purchases effortlessly — and earn cashback on all of it. Neobanc gives you one clean overview of your payments, balances, and rewards, updated in real time.  Your money finally works for you. Current Cashback Balance $1,178.25 ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122c1_icon.svg) Cashback balance $1,178.25 This Month's Cashback $553.00 Rent Amount $2750.00 Recent Bill Payments $2,062.25 ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69370753fda4245347b60eeb_Group%201597883777.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693705e8f61e48a8d472d864_Frame%2046.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69370602fc699a8a00db463a_Frame%2045.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693705ce8b7588e80efadff2_Frame%2044.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69370639ef6a17408c02baec_Frame%2047.png)![Round shape](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122f4_Round%20multishape.webp)![Round shape](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122c6_Round%20shape.webp)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693705146a3582d2c6a81d6d_cashback-circle.png) Cashback on all Your Expenses Neobanc helps you save money on the payments you can’t avoid. Track your spending, earn cashback instantly, and keep more of your money each month. ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693704341b3f701b6a7c6256_hand-card.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693704341b3f701b6a7c6256_hand-card.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693704341b3f701b6a7c6256_hand-card.png) Effortless rewards, every month Every payment you make through Neobanc contributes to your cashback balance, helping you save without even thinking about it. [Get started now\\ \\ ![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)\\ \\ Get started now](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Fmobile-phone-contest-dec-18) Important Dates ## How to Enter Start The contest begins on December 18, 2025 Close The contest ends on December 23, 2025 Winner Winner announced on Instagram Stories and via DM. Check our account for the big reveal and keep an eye on your inbox. December 25, 2025 Claim Winner must have a free Neobanc account to claim the prize. Credit Credit will be added to the winners Neobanc cashback balance. OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS **OFFICIAL RULES & REGULATIONS** **Neobanc Mobile Phone Bill Contest – December 2025** **1\. Contest Period** The contest begins on **December 18, 2025** and ends on **December 23, 2025** (“Contest Period”). The winner will be selected and announced on **December 25, 2025**. **2\. Eligibility** This contest is open to: • Legal residents of Canada (excluding Quebec) • Individuals aged 18 years or older at the time of entry • Both new and existing Neobanc users Void where prohibited by law. Employees, contractors, or affiliates of Neobanc may participate but are not eligible to win. **3\. How to Enter** ❤️ Like the official contest post on Instagram 👤 Follow **@neobanccom** 💬 Tag friends in the comments • Each friend tagged = **1 entry** 📲 Share the post to your Instagram Story and tag @neobanccom • Story share = **10 bonus entries** 🔁 **Unlimited entries** No purchase necessary. ‍ **4\. Prize Details** One (1) winner will receive **up to $250** toward an eligible mobile phone bill. Winner must provide proof of a mobile phone bill to claim the prize. Prize is non-transferable. **5\. Winner Selection & Notification** The winner will be randomly selected from all eligible entries on **December 25, 2025**. The winner will be contacted via Instagram DM from the official **@neobanccom** account. If the selected winner does not respond within 48 hours, Neobanc reserves the right to select an alternate winner. **6\. General Conditions** Neobanc reserves the right to cancel, modify, or suspend the contest in the event of tampering, fraud, or technical issues. By entering, participants agree to allow Neobanc to use their first name, city, and/or entry for promotional purposes. ‍ ## Grow your savings, start earning more cashback today [Get Started\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Get Started](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Fmobile-phone-contest-dec-18) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69347197d21239273e670f43_554352cf48bf141b0065bba97ca75d32_Neobanc%20Logo%20Horizontal.svg)](https://www.neobanc.com/neobanc-contest/mobile-phone-contest-dec-18#) Turn everyday expenses into monthly rewards. Neobanc makes it easy to pay rent, handle bills, manage your mortgage, and buy gift cards, all while earning cashback on the essentials of life. [![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12277_Icon.svg)](https://www.facebook.com/neobanc/)[![Logo](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12275_Logo.svg)](https://www.linkedin.com/company/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12289_Icon.svg)](https://www.instagram.com/neobanccom)[![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694181ee1f461c320e35fbe9_26c77da5aa4eb1dc9a8a687b8c669305_youtube.svg)](https://www.youtube.com/@neobanc) Quick links [Home](https://www.neobanc.com/) [About Us](https://www.neobanc.com/about-neobanc) [Cashback Calculator](https://www.neobanc.com/cashback-calculator) [WTFaqs](https://www.neobanc.com/neobanc-faq) [Articles](https://www.neobanc.com/articles) Features [Rent](https://www.neobanc.com/cashback-on-rent) [Bills](https://www.neobanc.com/cashback-on-bills) [Mortgages](https://www.neobanc.com/cashback-on-mortgages) [Giftcards](https://www.neobanc.com/cashback-on-gift-cards) Address 1050 King St W Toronto, ON M6K 0C7 Canada Contact [Call Us](tel:+1(647)559-2909) [Email Us](mailto:team@neobanc.com) © 2025 Neobanc Inc. \|  MSB Licence Number: C100000880 Under Neo Fortune Financial Inc. [Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Complaints](https://www.neobanc.com/legal/complaints) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) Chat Widget ## Neobanc Rent Contest ![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241a_Box%20(2).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241b_Box%20(3).webp) ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122d2_Icon.svg)![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122d3_Icon.svg) # We’re covering up to $1,000 toward someone’s rent $1,000 for Neobanc account holders, $500 for non-account holders. The biggest giveaway yet. [Get Started\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Get Started](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Frent-contest-jan-2026) ![UV Ray](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1243a_UV%20Ray.webp) Contest ## What you can win This contest offers real cashback for our users. Enter once, win big, and watch your Neobanc credit grow. ### Win Up to $ 1000 in Neobanc Cashback credit ### Contest Details Neobanc is giving one winner a major rent boost — **up to $1,000** covered. Neobanc account holders receive the full $1,000 prize. Non-account holders receive $500. Contest runs **January 9–14, 2026**. Winner announced **January 15, 2026**. ‍ [Sign Up Today](https://app.neobanc.com/auth/signin?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Frent-contest-jan-2026) Getting Started ## How to Enter ![Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb3_68444a98b4e98f0c47f1f468c920e948_Vector%2048.svg) 01 ![Lower Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb0_8538de26fa578fdba65bd182dea79248_Group%201009002137%20(1).svg) Follow @neobanccom Head to Instagram and hit follow. We announce winners there first. Enter the Contest Follow the rules on our Instagram to enter. Reminder, it's unlimited entries! ![Upper Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb1_0fca6323a04ff2b5f58ffdadc9e25069_Group%201009002137.svg) 02 ![Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb2_7446885b60301b92964a539461edf1d6_Vector%2048%20(1).svg) ![Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb3_68444a98b4e98f0c47f1f468c920e948_Vector%2048.svg) 03 ![Lower Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb0_8538de26fa578fdba65bd182dea79248_Group%201009002137%20(1).svg) Create a Neobanc Account Sign up for a free Neobanc in under two minutes. Watch for Winner Annoucment We announce winners on Instagram Stories and DMs! Check back on the announcement date. ![Upper Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb1_0fca6323a04ff2b5f58ffdadc9e25069_Group%201009002137.svg) 04 ## Your Spending, Streamlined and Rewarded ## Handle rent, bills, mortgage payments, and gift card purchases effortlessly — and earn cashback on all of it. Neobanc gives you one clean overview of your payments, balances, and rewards, updated in real time.  Your money finally works for you. Current Cashback Balance $1,178.25 ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122c1_icon.svg) Cashback balance $1,178.25 This Month's Cashback $553.00 Rent Amount $2750.00 Recent Bill Payments $2,062.25 ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69370753fda4245347b60eeb_Group%201597883777.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693705e8f61e48a8d472d864_Frame%2046.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69370602fc699a8a00db463a_Frame%2045.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693705ce8b7588e80efadff2_Frame%2044.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69370639ef6a17408c02baec_Frame%2047.png)![Round shape](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122f4_Round%20multishape.webp)![Round shape](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122c6_Round%20shape.webp)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693705146a3582d2c6a81d6d_cashback-circle.png) Cashback on all Your Expenses Neobanc helps you save money on the payments you can’t avoid. Track your spending, earn cashback instantly, and keep more of your money each month. ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693704341b3f701b6a7c6256_hand-card.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693704341b3f701b6a7c6256_hand-card.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693704341b3f701b6a7c6256_hand-card.png) Effortless rewards, every month Every payment you make through Neobanc contributes to your cashback balance, helping you save without even thinking about it. [Get started now\\ \\ ![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)\\ \\ Get started now](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Frent-contest-jan-2026) Important Dates ## How to Enter Start The contest begins on January 9, 2026 Close The contest ends on January 14, 2026 Winner Winner announced on Instagram Stories and via DM. Check our account for the big reveal and keep an eye on your inbox. January 15, 2026 Claim Winner must have a free Neobanc account to claim the prize. Credit Credit will be added to the winners Neobanc cashback balance. OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS Neobanc Rent Contest – January 2026 1\. Contest Period The contest begins on January 09, 2026 and ends on January 14, 2026 (“Contest Period”). The winner will be selected and announced on January 15, 2026. 2\. Eligibility This contest is open to: • Legal residents of Canada (excluding Quebec) • Individuals aged 18 years or older at the time of entry • Both new and existing Neobanc users Void where prohibited by law. Employees, contractors, or affiliates of Neobanc may participate but are not eligible to win. 3\. How to Enter ❤️ Like the official contest post on Instagram 👤 Follow @neobanccom 💬 Tag friends in the comments • Each friend tagged = 1 entry 📲 Share the post to your Instagram Story and tag @neobanccom • Story share = 10 bonus entries 🔁 Unlimited entries No purchase necessary. 4\. Prize Details One (1) winner will receive a credit toward rent as follows: • $1,000 if the winner has a Neobanc account at the time of selection • $500 if the winner does not have a Neobanc account Winner must provide proof of rent payment details. Prize is non-transferable. 5\. Winner Selection & Notification The winner will be randomly selected from all eligible entries on January 15, 2026. The winner will be contacted via Instagram DM from the official @neobanccom account. If the selected winner does not respond within 48 hours, Neobanc reserves the right to select an alternate winner. 6\. General Conditions Neobanc reserves the right to cancel, modify, or suspend the contest in the event of tampering, fraud, or technical issues. By entering, participants agree to allow Neobanc to use their first name, city, and/or entry for promotional purposes. ‍ ## Grow your savings, start earning more cashback today [Get Started\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Get Started](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Frent-contest-jan-2026) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69347197d21239273e670f43_554352cf48bf141b0065bba97ca75d32_Neobanc%20Logo%20Horizontal.svg)](https://www.neobanc.com/neobanc-contest/rent-contest-jan-2026#) Turn everyday expenses into monthly rewards. Neobanc makes it easy to pay rent, handle bills, manage your mortgage, and buy gift cards, all while earning cashback on the essentials of life. [![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12277_Icon.svg)](https://www.facebook.com/neobanc/)[![Logo](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12275_Logo.svg)](https://www.linkedin.com/company/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12289_Icon.svg)](https://www.instagram.com/neobanccom)[![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694181ee1f461c320e35fbe9_26c77da5aa4eb1dc9a8a687b8c669305_youtube.svg)](https://www.youtube.com/@neobanc) Quick links [Home](https://www.neobanc.com/) [About Us](https://www.neobanc.com/about-neobanc) [Cashback Calculator](https://www.neobanc.com/cashback-calculator) [WTFaqs](https://www.neobanc.com/neobanc-faq) [Articles](https://www.neobanc.com/articles) Features [Rent](https://www.neobanc.com/cashback-on-rent) [Bills](https://www.neobanc.com/cashback-on-bills) [Mortgages](https://www.neobanc.com/cashback-on-mortgages) [Giftcards](https://www.neobanc.com/cashback-on-gift-cards) Address 1050 King St W Toronto, ON M6K 0C7 Canada Contact [Call Us](tel:+1(647)559-2909) [Email Us](mailto:team@neobanc.com) © 2025 Neobanc Inc. \|  MSB Licence Number: C100000880 Under Neo Fortune Financial Inc. [Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Complaints](https://www.neobanc.com/legal/complaints) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) Chat Widget ## Neobanc Rent Contest ![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241a_Box%20(2).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241b_Box%20(3).webp) ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122d2_Icon.svg)![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122d3_Icon.svg) # We’re Giving One Canadian Up to $1,000 Toward Rent Enter the Neobanc Rent Giveaway today. One winner. One huge rent boost. Contest closes Dec 2nd, 2025. [Get Started\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Get Started](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Frent-contest-nov-26) ![UV Ray](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1243a_UV%20Ray.webp) Contest ## What you can win This contest offers real cashback for our users. Enter once, win big, and watch your Neobanc credit grow. ### Win Up to $ 1000 in Neobanc Cashback credit ### Contest Details **We’re giving back in a big way this week.** Enter for your chance to win **up to $1,000 toward your rent**, credited directly through your Neobanc account. Here’s how the prize works: - **Win up to $1,000** if you have a Neobanc account - **Win up to $500** if you don’t - _You can still create a free account before the contest ends to qualify for the $1,000 prize._ **This contest is open to all Canadians (QC excluded), ages 18+.** New and existing Neobanc users are welcome. ‍ [Sign Up Today](https://app.neobanc.com/auth/signin?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Frent-contest-nov-26) Getting Started ## How to Enter ![Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb3_68444a98b4e98f0c47f1f468c920e948_Vector%2048.svg) 01 ![Lower Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb0_8538de26fa578fdba65bd182dea79248_Group%201009002137%20(1).svg) Follow @neobanccom Head to Instagram and hit follow. We announce winners there first. Enter the Contest Follow the rules on our Instagram to enter. Reminder, it's unlimited entries! ![Upper Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb1_0fca6323a04ff2b5f58ffdadc9e25069_Group%201009002137.svg) 02 ![Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb2_7446885b60301b92964a539461edf1d6_Vector%2048%20(1).svg) ![Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb3_68444a98b4e98f0c47f1f468c920e948_Vector%2048.svg) 03 ![Lower Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb0_8538de26fa578fdba65bd182dea79248_Group%201009002137%20(1).svg) Create a Neobanc Account Sign up for a free Neobanc in under two minutes. Watch for Winner Annoucment We announce winners on Instagram Stories and DMs! Check back on the announcement date. ![Upper Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb1_0fca6323a04ff2b5f58ffdadc9e25069_Group%201009002137.svg) 04 ## Your Spending, Streamlined and Rewarded ## Handle rent, bills, mortgage payments, and gift card purchases effortlessly — and earn cashback on all of it. Neobanc gives you one clean overview of your payments, balances, and rewards, updated in real time.  Your money finally works for you. Current Cashback Balance $1,178.25 ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122c1_icon.svg) Cashback balance $1,178.25 This Month's Cashback $553.00 Rent Amount $2750.00 Recent Bill Payments $2,062.25 ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69370753fda4245347b60eeb_Group%201597883777.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693705e8f61e48a8d472d864_Frame%2046.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69370602fc699a8a00db463a_Frame%2045.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693705ce8b7588e80efadff2_Frame%2044.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69370639ef6a17408c02baec_Frame%2047.png)![Round shape](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122f4_Round%20multishape.webp)![Round shape](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122c6_Round%20shape.webp)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693705146a3582d2c6a81d6d_cashback-circle.png) Cashback on all Your Expenses Neobanc helps you save money on the payments you can’t avoid. Track your spending, earn cashback instantly, and keep more of your money each month. ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693704341b3f701b6a7c6256_hand-card.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693704341b3f701b6a7c6256_hand-card.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693704341b3f701b6a7c6256_hand-card.png) Effortless rewards, every month Every payment you make through Neobanc contributes to your cashback balance, helping you save without even thinking about it. [Get started now\\ \\ ![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)\\ \\ Get started now](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Frent-contest-nov-26) Important Dates ## How to Enter Start The contest begins on November 26, 2025 Close The contest ends on December 2, 2025 Winner Winner announced on Instagram Stories and via DM. Check our account for the big reveal and keep an eye on your inbox. December 3, 2025 Claim Winner must have a free Neobanc account to claim the prize. Credit Credit will be added to the winners Neobanc cashback balance. OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS **Neobanc Rent Contest – November/December 2025** ### **1\. Contest Period** The contest begins on **November 26, 2025, at 1:00 PM ET and ends on December 2, 2025,** and ends on **December 2, 2025 at 11:59 PM ET** (“Contest Period”). The winner will be selected and announced on **December 3, 2025**. ### **2\. Eligibility** This contest is open to: • Legal residents of Canada (excluding Quebec) • Individuals aged 18 years or older at the time of entry • Both new and existing Neobanc users Void where prohibited by law. Employees, contractors, or affiliates of Neobanc may participate but are **not eligible** to win. ### **3\. How to Enter** To enter: 1. **Like** the official contest post on Instagram 2. **Follow** @neobanccom 3. **Tag friends** in the comments 4. • Each friend tagged = **1 entry** 5. **Share** the contest post to your Instagram Story and **tag @neobanccom** 6. • Story share = **10 bonus entries** Additional Rules: • Entries are **unlimited** • **No purchase necessary** • All entries must be submitted during the Contest Period • Accounts must remain public for verification during winner selection ### **4\. Prize Details** One (1) winner will receive: • **Up to $1,000 toward their rent** if they have a Neobanc account • **Up to $500 toward their rent** if they do not have a Neobanc account **Prize Conditions:** • Neobanc will review the amount of the winner’s rent payment • Neobanc will credit the winner’s Neobanc cashback balance for the rent amount, up to the prize maximum • Prize is delivered **only through the Neobanc platform** • Winner must pay their rent through Neobanc • Winner must have or create a **free Neobanc account** to receive the full prize amount • Prize must be used for **rent only** • Prize has no cash value outside the Neobanc platform • Prize is non-transferable ### **5\. Rent Eligibility** This contest applies only to **rent payments**, including but not limited to: • Landlords • Property managers • Rental companies • Condo corporations • Residential buildings Neobanc is not affiliated with or endorsed by any landlords, property managers, or companies. Logos appearing in promotional material are for **example purposes only**. ### **6\. Winner Selection & Notification** • Winner will be selected at **random** from all eligible entries • Winner will be contacted via **Instagram DM** on December 3, 2025 • Winner will also be publicly announced on the Neobanc Instagram account • If the winner fails to respond within **48 hours**, Neobanc reserves the right to select an alternate winner • Neobanc may require proof of eligibility (age, residence, identity) ### **7\. General Conditions** By entering, participants agree that: • This contest is **not sponsored, endorsed, administered by, or associated with Instagram or Facebook** • Neobanc is not affiliated with any companies, landlords, or billers whose logos may appear • All decisions made by Neobanc are **final and binding** • Neobanc reserves the right to **cancel, modify, or suspend** the contest at any time for any reason • By entering, participants consent to being contacted by Neobanc solely for contest administration and prize fulfillment ### **8\. Privacy** Information collected will be used exclusively for: • Contest administration • Winner verification • Prize fulfillment Neobanc will not sell, share, or distribute personal information outside of these purposes. ### **9\. Acceptance of Rules** Participation in the contest constitutes full acceptance of these **Official Rules & Regulations.** ‍ ## Grow your savings, start earning more cashback today [Get Started\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Get Started](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Frent-contest-nov-26) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69347197d21239273e670f43_554352cf48bf141b0065bba97ca75d32_Neobanc%20Logo%20Horizontal.svg)](https://www.neobanc.com/neobanc-contest/rent-contest-nov-26#) Turn everyday expenses into monthly rewards. Neobanc makes it easy to pay rent, handle bills, manage your mortgage, and buy gift cards, all while earning cashback on the essentials of life. [![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12277_Icon.svg)](https://www.facebook.com/neobanc/)[![Logo](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12275_Logo.svg)](https://www.linkedin.com/company/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12289_Icon.svg)](https://www.instagram.com/neobanccom)[![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694181ee1f461c320e35fbe9_26c77da5aa4eb1dc9a8a687b8c669305_youtube.svg)](https://www.youtube.com/@neobanc) Quick links [Home](https://www.neobanc.com/) [About Us](https://www.neobanc.com/about-neobanc) [Cashback Calculator](https://www.neobanc.com/cashback-calculator) [WTFaqs](https://www.neobanc.com/neobanc-faq) [Articles](https://www.neobanc.com/articles) Features [Rent](https://www.neobanc.com/cashback-on-rent) [Bills](https://www.neobanc.com/cashback-on-bills) [Mortgages](https://www.neobanc.com/cashback-on-mortgages) [Giftcards](https://www.neobanc.com/cashback-on-gift-cards) Address 1050 King St W Toronto, ON M6K 0C7 Canada Contact [Call Us](tel:+1(647)559-2909) [Email Us](mailto:team@neobanc.com) © 2025 Neobanc Inc. \|  MSB Licence Number: C100000880 Under Neo Fortune Financial Inc. [Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Complaints](https://www.neobanc.com/legal/complaints) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) Chat Widget ## Neobanc Telecom Contest ![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241a_Box%20(2).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241b_Box%20(3).webp) ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122d2_Icon.svg)![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122d3_Icon.svg) # Win your mobile phone bill paid by Neobanc this month!\* Enter before Nov 25th, 2025 for your chance to win! [Get Started\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Get Started](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Ftelecom-contest-nov-19) ![UV Ray](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1243a_UV%20Ray.webp) Contest ## What you can win This contest offers real cashback for our users. Enter once, win big, and watch your Neobanc credit grow. ### Win Up to $ 250 in Neobanc Cashback credit ### Contest Details Win up to $250 toward your mobile phone bill this month. We’re giving back by helping someone cover their phone bill, especially with the holidays coming up! Enter our contest for a chance to have us credit up to $250 directly toward your telecom bill through Neobanc. Simple to enter. Fast to join. Open to all Canadians (QC excluded). New and existing Neobanc users are welcome. One winner will be chosen and announced at the end of the contest period. [Sign Up Today](https://app.neobanc.com/auth/signin?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Ftelecom-contest-nov-19) Getting Started ## How to Enter ![Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb3_68444a98b4e98f0c47f1f468c920e948_Vector%2048.svg) 01 ![Lower Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb0_8538de26fa578fdba65bd182dea79248_Group%201009002137%20(1).svg) Follow @neobanccom Head to Instagram and hit follow. We announce winners there first. Enter the Contest Follow the rules on our Instagram to enter. Reminder, it's unlimited entries! ![Upper Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb1_0fca6323a04ff2b5f58ffdadc9e25069_Group%201009002137.svg) 02 ![Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb2_7446885b60301b92964a539461edf1d6_Vector%2048%20(1).svg) ![Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb3_68444a98b4e98f0c47f1f468c920e948_Vector%2048.svg) 03 ![Lower Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb0_8538de26fa578fdba65bd182dea79248_Group%201009002137%20(1).svg) Create a Neobanc Account Sign up for a free Neobanc in under two minutes. Watch for Winner Annoucment We announce winners on Instagram Stories and DMs! Check back on the announcement date. ![Upper Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb1_0fca6323a04ff2b5f58ffdadc9e25069_Group%201009002137.svg) 04 ## Your Spending, Streamlined and Rewarded ## Handle rent, bills, mortgage payments, and gift card purchases effortlessly — and earn cashback on all of it. Neobanc gives you one clean overview of your payments, balances, and rewards, updated in real time.  Your money finally works for you. Current Cashback Balance $1,178.25 ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122c1_icon.svg) Cashback balance $1,178.25 This Month's Cashback $553.00 Rent Amount $2750.00 Recent Bill Payments $2,062.25 ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69370753fda4245347b60eeb_Group%201597883777.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693705e8f61e48a8d472d864_Frame%2046.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69370602fc699a8a00db463a_Frame%2045.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693705ce8b7588e80efadff2_Frame%2044.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69370639ef6a17408c02baec_Frame%2047.png)![Round shape](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122f4_Round%20multishape.webp)![Round shape](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122c6_Round%20shape.webp)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693705146a3582d2c6a81d6d_cashback-circle.png) Cashback on all Your Expenses Neobanc helps you save money on the payments you can’t avoid. Track your spending, earn cashback instantly, and keep more of your money each month. ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693704341b3f701b6a7c6256_hand-card.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693704341b3f701b6a7c6256_hand-card.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693704341b3f701b6a7c6256_hand-card.png) Effortless rewards, every month Every payment you make through Neobanc contributes to your cashback balance, helping you save without even thinking about it. [Get started now\\ \\ ![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)\\ \\ Get started now](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Ftelecom-contest-nov-19) Important Dates ## How to Enter Start The contest begins on November 19, 2025 Close The contest ends on November 25, 2025 Winner Winner announced on Instagram Stories and via DM. Check our account for the big reveal and keep an eye on your inbox. November 26, 2025 Claim Winner must have a free Neobanc account to claim the prize. Credit Credit will be added to the winners Neobanc cashback balance. OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS # **OFFICIAL RULES & REGULATIONS** **Neobanc Telecom Bill Contest – November 2025** ## **1\. Contest Period** The contest begins on **November 16, 2025 at 11:00 AM ET** and ends on **November 25, 2025 at 11:59 PM ET** (“Contest Period”). The winner will be selected and announced on **November 26, 2025**. ## **2\. Eligibility** This contest is open to: • Legal residents of Canada (excluding Quebec) • Individuals aged **18 years or older** at the time of entry • Both **new and existing Neobanc users** Void where prohibited by law. Employees, contractors, or affiliates of Neobanc may participate but are not eligible to win. ## **3\. How to Enter** To enter: 1. **Like** the official contest post on Instagram 2. **Follow** @neobanccom 3. **Tag friends** in the comments 4. • Each friend tagged = **1 entry** 5. **Share** the contest post to your Instagram Story and tag **@neobanccom** 6. • Story share = **10 bonus entries** 7. Entries are **unlimited** 8. **No purchase necessary** All entries must be made during the Contest Period. ## **4\. Prize Details** One (1) winner will receive: • Up to **$250** toward their telecom bill Prize Conditions: • Neobanc will review the amount of the winner’s telecom bill • Neobanc will credit the winner’s Neobanc cashback balance for the bill amount, **up to $250** • Prize is delivered **only** through the Neobanc platform • Winner must have or create a **free Neobanc account** to receive the credit • Credit is applied **directly toward the winner’s telecom bill** within Neobanc Prize is non-transferable and has no cash value outside the platform. ## **5\. Telecom Bill Eligibility** This contest applies only to **telecom/mobile phone bills**, including but not limited to: Rogers, Bell, Telus, Fido, Koodo, Virgin, Freedom, Chatr. Neobanc is **not affiliated with or endorsed by any of these companies**. Logos are for example purposes only. ## **6\. Winner Selection & Notification** • Winner will be selected **at random** from all eligible entries • Winner will be contacted via **Instagram DM** on November 26, 2025 • Winner will also be publicly **announced on the Neobanc Instagram account** • If the winner does not respond within **48 hours**, Neobanc reserves the right to choose an alternate winner Neobanc may require proof of eligibility (age, residence, identity). ## **7\. General Conditions** By entering, participants agree that: • This contest is **not sponsored, endorsed, administered by, or associated with Instagram** • Neobanc is not affiliated with any billers or companies whose logos appear in promotional materials • All decisions made by Neobanc are **final and binding** • Neobanc reserves the right to cancel or modify the contest at any time for any reason • By entering, participants consent to being contacted by Neobanc for contest purposes ## **8\. Privacy** Information provided will be used solely for: • Contest administration • Winner verification • Prize fulfillment Neobanc will not sell or share entrant information. ## **9\. Acceptance of Rules** Participation in the contest constitutes full acceptance of these Official Rules & Regulations. ‍ ## Grow your savings, start earning more cashback today [Get Started\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Get Started](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Ftelecom-contest-nov-19) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69347197d21239273e670f43_554352cf48bf141b0065bba97ca75d32_Neobanc%20Logo%20Horizontal.svg)](https://www.neobanc.com/neobanc-contest/telecom-contest-nov-19#) Turn everyday expenses into monthly rewards. Neobanc makes it easy to pay rent, handle bills, manage your mortgage, and buy gift cards, all while earning cashback on the essentials of life. [![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12277_Icon.svg)](https://www.facebook.com/neobanc/)[![Logo](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12275_Logo.svg)](https://www.linkedin.com/company/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12289_Icon.svg)](https://www.instagram.com/neobanccom)[![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694181ee1f461c320e35fbe9_26c77da5aa4eb1dc9a8a687b8c669305_youtube.svg)](https://www.youtube.com/@neobanc) Quick links [Home](https://www.neobanc.com/) [About Us](https://www.neobanc.com/about-neobanc) [Cashback Calculator](https://www.neobanc.com/cashback-calculator) [WTFaqs](https://www.neobanc.com/neobanc-faq) [Articles](https://www.neobanc.com/articles) Features [Rent](https://www.neobanc.com/cashback-on-rent) [Bills](https://www.neobanc.com/cashback-on-bills) [Mortgages](https://www.neobanc.com/cashback-on-mortgages) [Giftcards](https://www.neobanc.com/cashback-on-gift-cards) Address 1050 King St W Toronto, ON M6K 0C7 Canada Contact [Call Us](tel:+1(647)559-2909) [Email Us](mailto:team@neobanc.com) © 2025 Neobanc Inc. \|  MSB Licence Number: C100000880 Under Neo Fortune Financial Inc. [Privacy Policy](https://www.neobanc.com/legal/privacy-policy) [Terms & Conditions](https://www.neobanc.com/legal/terms-of-use) [Complaints](https://www.neobanc.com/legal/complaints) [Insurance](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6937601812334b1d9fef46a9_neobanc-insurance.pdf) Chat Widget ## Neobanc Utility Contest ![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241a_Box%20(2).webp)![Blur box](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1241b_Box%20(3).webp) ![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122d2_Icon.svg)![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122d3_Icon.svg) # Heat, lights, internet — we’ve got you covered We’re covering up to $250 toward someone’s utility bill. Enter on Instagram — unlimited entries. [Get Started\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Get Started](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Futilities-contest-dec-26) ![UV Ray](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad1243a_UV%20Ray.webp) Contest ## What you can win This contest offers real cashback for our users. Enter once, win big, and watch your Neobanc credit grow. ### Win Up to $ 250 in Neobanc Cashback credit ### Contest Details Neobanc is giving away **up to $250** toward one winner’s utility bill. Eligible bills may include electricity, gas, water, or internet. Contest runs **December 26–31, 2025**. Winner announced **January 1, 2026**. ‍ [Sign Up Today](https://app.neobanc.com/auth/signin?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Futilities-contest-dec-26) Getting Started ## How to Enter ![Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb3_68444a98b4e98f0c47f1f468c920e948_Vector%2048.svg) 01 ![Lower Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb0_8538de26fa578fdba65bd182dea79248_Group%201009002137%20(1).svg) Follow @neobanccom Head to Instagram and hit follow. We announce winners there first. Enter the Contest Follow the rules on our Instagram to enter. Reminder, it's unlimited entries! ![Upper Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb1_0fca6323a04ff2b5f58ffdadc9e25069_Group%201009002137.svg) 02 ![Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb2_7446885b60301b92964a539461edf1d6_Vector%2048%20(1).svg) ![Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb3_68444a98b4e98f0c47f1f468c920e948_Vector%2048.svg) 03 ![Lower Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb0_8538de26fa578fdba65bd182dea79248_Group%201009002137%20(1).svg) Create a Neobanc Account Sign up for a free Neobanc in under two minutes. Watch for Winner Annoucment We announce winners on Instagram Stories and DMs! Check back on the announcement date. ![Upper Dot](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/6944384d2a8f87f06ec42fb1_0fca6323a04ff2b5f58ffdadc9e25069_Group%201009002137.svg) 04 ## Your Spending, Streamlined and Rewarded ## Handle rent, bills, mortgage payments, and gift card purchases effortlessly — and earn cashback on all of it. Neobanc gives you one clean overview of your payments, balances, and rewards, updated in real time.  Your money finally works for you. Current Cashback Balance $1,178.25 ![icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122c1_icon.svg) Cashback balance $1,178.25 This Month's Cashback $553.00 Rent Amount $2750.00 Recent Bill Payments $2,062.25 ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69370753fda4245347b60eeb_Group%201597883777.png) ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693705e8f61e48a8d472d864_Frame%2046.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69370602fc699a8a00db463a_Frame%2045.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693705ce8b7588e80efadff2_Frame%2044.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69370639ef6a17408c02baec_Frame%2047.png)![Round shape](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122f4_Round%20multishape.webp)![Round shape](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad122c6_Round%20shape.webp)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693705146a3582d2c6a81d6d_cashback-circle.png) Cashback on all Your Expenses Neobanc helps you save money on the payments you can’t avoid. Track your spending, earn cashback instantly, and keep more of your money each month. ![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693704341b3f701b6a7c6256_hand-card.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693704341b3f701b6a7c6256_hand-card.png)![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/693704341b3f701b6a7c6256_hand-card.png) Effortless rewards, every month Every payment you make through Neobanc contributes to your cashback balance, helping you save without even thinking about it. [Get started now\\ \\ ![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)\\ \\ Get started now](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Futilities-contest-dec-26) Important Dates ## How to Enter Start The contest begins on December 26, 2025 Close The contest ends on December 31, 2025 Winner Winner announced on Instagram Stories and via DM. Check our account for the big reveal and keep an eye on your inbox. January 1, 2026 Claim Winner must have a free Neobanc account to claim the prize. Credit Credit will be added to the winners Neobanc cashback balance. OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS OFFICIAL RULES & REGULATIONS **OFFICIAL RULES & REGULATIONS** **Neobanc Utilities Bill Contest – December 2025** **1\. Contest Period** The contest begins on **December 26, 2025** and ends on **December 31, 2025** (“Contest Period”). The winner will be selected and announced on **January 01, 2026**. **2\. Eligibility** This contest is open to: • Legal residents of Canada (excluding Quebec) • Individuals aged 18 years or older at the time of entry • Both new and existing Neobanc users Void where prohibited by law. Employees, contractors, or affiliates of Neobanc may participate but are not eligible to win. **3\. How to Enter** ❤️ Like the official contest post on Instagram 👤 Follow **@neobanccom** 💬 Tag friends in the comments • Each friend tagged = **1 entry** 📲 Share the post to your Instagram Story and tag @neobanccom • Story share = **10 bonus entries** 🔁 **Unlimited entries** No purchase necessary. ‍ **4\. Prize Details** One (1) winner will receive **up to $250** toward an eligible utility bill (e.g., electricity, gas, water, or internet). Winner must provide proof of the bill. Prize is non-transferable. **5\. Winner Selection & Notification** The winner will be randomly selected from all eligible entries on **January 01, 2026**. The winner will be contacted via Instagram DM from the official **@neobanccom** account. If the selected winner does not respond within 48 hours, Neobanc reserves the right to select an alternate winner. **6\. General Conditions** Neobanc reserves the right to cancel, modify, or suspend the contest in the event of tampering, fraud, or technical issues. By entering, participants agree to allow Neobanc to use their first name, city, and/or entry for promotional purposes. ‍ ## Grow your savings, start earning more cashback today [Get Started\\ \\ ![White Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123d8_White%20Arrow.svg)![Black Arrow](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad123bc_Black%20Arrow.svg)\\ \\ Get Started](https://app.neobanc.com/auth/signup?utm_source=https%3A%2F%2Fwww.google.com%2F&landing_page=%2Fneobanc-contest%2Futilities-contest-dec-26) [![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69347197d21239273e670f43_554352cf48bf141b0065bba97ca75d32_Neobanc%20Logo%20Horizontal.svg)](https://www.neobanc.com/neobanc-contest/utilities-contest-dec-26#) Turn everyday expenses into monthly rewards. Neobanc makes it easy to pay rent, handle bills, manage your mortgage, and buy gift cards, all while earning cashback on the essentials of life. [![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12277_Icon.svg)](https://www.facebook.com/neobanc/)[![Logo](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12275_Logo.svg)](https://www.linkedin.com/company/neobanc/)[![Icon](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/69344a8020592ca26ad12289_Icon.svg)](https://www.instagram.com/neobanccom)[![](https://cdn.prod.website-files.com/69344a7f20592ca26ad1217f/694181ee1f461c320e35fbe9_26c77da5aa4eb1dc9a8a687b8c669305_youtube.svg)](https://www.youtube.com/@neobanc) Quick links [Home](https://www.neobanc.com/) [About Us](https://www.neobanc.com/about-neobanc) [Cashback Calculator](https://www.neobanc.com/cashback-calculator) [WTFaqs](https://www.neobanc.com/neobanc-faq) [Articles](https://www.neobanc.com/articles) Features [Rent](https://www.neobanc.com/cashback-on-rent) [Bills](https://www.neobanc.com/cashback-on-bills) [Mortgages](https://www.neobanc.com/cashback-on-mortgages) [Giftcards](https://www.neobanc.com/cashback-on-gift-cards) Address 1050 King St W Toronto, ON M6K 0C7 Canada Contact [Call Us](tel:+1(647)559-2909) [Email Us](mailto:team@neobanc.com) © 2025 Neobanc Inc. \|  MSB Licence Number: C100000880 Under Neo Fortune Financial Inc. 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