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 2026-08-20 · rubric v0.12.0

0 APIs

Financial-ServicesBankingCanadaFintechNeobankConsumer FinanceCredit CardsData Aggregation

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · 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