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
15.6/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
0 APIs
Financial ServicesBankingCanadaFintechNeobankConsumer FinanceCredit CardsData Aggregation

Kin Score

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scored 2026-07-27 · rubric v0.5
Composite quality — 15.6/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.7 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
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
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Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Neo Financial Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

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
LinkedIn
 Blog
Blog
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
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
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.19'
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