Neo Financial

Neo Financial is a Calgary- and Winnipeg-based Canadian fintech (neobank) founded in 2019 by the founders of SkipTheDishes, offering credit cards, savings, money, investing, and mortgage products to consumers. Neo is not a chartered bank and holds no Canadian banking licence; it delivers CDIC-eligible deposits and card issuance through regulated partner institutions — Peoples Bank of Canada for everyday accounts, ATB Financial as Mastercard credit-card issuer, and formerly Concentra Bank (now part of Equitable Bank) for savings. Neo operates a consumer mobile and web platform only and publishes no first-party public developer API or developer portal; third-party access to Neo accounts today is available solely through data aggregators such as Flinks (a National Bank-owned Canadian aggregator) and Plaid via credential/screen-scraping access, not a documented first-party API. Canada's federal Consumer-Driven Banking (open banking) framework, legislated in Budget 2024 and overseen by the Financial Consumer Agency of Canada, is not yet operational, so no first-party FDX or CDB data API exists. Neo maintains a public GitHub organization of internal engineering tooling and an engineering blog, but ships no public API products.

Neo Financial is profiled on the APIs.io network. Tagged areas include Financial-Services, Banking, Canada, Fintech, and Neobank.

Neo Financial’s developer surface includes engineering blog, support, and 8 more developer resources.

🌐 Visit website 📡 Source on GitHub

9.0/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-21 · rubric v0.12.0

0 APIs

Financial-Services Banking Canada Fintech Neobank Consumer Finance Credit Cards Data Aggregation

Kin Score

Kin Score How this is scored →
scored 2026-08-21 · rubric v0.12.0

Composite quality — 9.0/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 3.6 / 17

Operational Transparency 0.3 / 11

Contract Governance 0.0 / 10

Discoverability 4.3 / 9

Regulatory Posture 2.7 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/neo-financial: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Build 2

SDKs, sample code, and the tooling you integrate with

Packages

Packages

GitHubOrganization

GitHubOrganization

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 4

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Blog

Blog

Source (apis.yml)

aid: neo-financial
url: https://raw.githubusercontent.com/api-evangelist/neo-financial/refs/heads/main/apis.yml
name: Neo Financial
kind: company
description: Neo Financial is a Calgary- and Winnipeg-based Canadian fintech (neobank) founded in 2019 by the founders of
  SkipTheDishes, offering credit cards, savings, money, investing, and mortgage products to consumers. Neo is not a chartered
  bank and holds no Canadian banking licence; it delivers CDIC-eligible deposits and card issuance through regulated partner
  institutions — Peoples Bank of Canada for everyday accounts, ATB Financial as Mastercard credit-card issuer, and formerly
  Concentra Bank (now part of Equitable Bank) for savings. Neo operates a consumer mobile and web platform only and publishes
  no first-party public developer API or developer portal; third-party access to Neo accounts today is available solely through
  data aggregators such as Flinks (a National Bank-owned Canadian aggregator) and Plaid via credential/screen-scraping access,
  not a documented first-party API. Canada's federal Consumer-Driven Banking (open banking) framework, legislated in Budget
  2024 and overseen by the Financial Consumer Agency of Canada, is not yet operational, so no first-party FDX or CDB data
  API exists. Neo maintains a public GitHub organization of internal engineering tooling and an engineering blog, but ships
  no public API products.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial-Services
- Banking
- Canada
- Fintech
- Neobank
- Consumer Finance
- Credit Cards
- Data Aggregation
tags_raw:
- Financial Services
- Banking
- Canada
- Fintech
- Neobank
- Consumer Finance
- Credit Cards
- Data Aggregation
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis: []
common:
- type: DomainSecurity
  url: security/neo-financial-domain-security.yml
- type: Packages
  url: packages/neo-financial-packages.yml
- type: Website
  url: https://www.neofinancial.com/
- type: GitHubOrganization
  url: https://github.com/neofinancial
- type: LinkedIn
  url: https://www.linkedin.com/company/neo-financial
- type: Blog
  url: https://www.neofinancial.com/blog
- type: Blog
  url: https://engineering.neofinancial.com/
- type: Support
  url: https://support.neofinancial.com/hc/en-ca
- type: PrivacyPolicy
  url: https://www.neofinancial.com/legal/privacy-policy
- type: TermsOfService
  url: https://legal.neo.cc/platform-terms-conditions
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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