By securely linking your primary bank account, Neo can use your overall financial health (including your income and spending habits) to unlock more personalized opportunities for you.
Your financial habits may be used to improve your eligibility for a credit card or a higher credit limit because we can look at more information beyond your credit history. We may also use the information if we need to review your account.
We’ll always ask you for your permission before linking a bank account or reviewing the financial information from your linked accounts.
When you might be asked to connect your bank account
You may receive a request to connect your bank account in any of these situations:
You're being considered for a credit limit increase
You're applying for a Neo credit card or account
We need more information to complete a review of your account
What Neo looks at
When you connect your bank account, Neo reviews your income and spending patterns. This can help you improve your eligibility for a credit card or higher credit limit because we’ll look beyond your credit history. This gives us a fuller picture of where you stand financially today, which can help unlock more personalized opportunities.
Your participation is optional and requires your consent. You can withdraw that consent at any time.
How to connect your bank account
We’ll let you know when it could be helpful to connect your bank account to Neo. Here’s what you’ll need to do:
Open the link from your email in a browser and log in to your Neo account.
Select the bank account you use for daily spending. You can choose:
Your Neo Everyday account
An external bank account you've already linked (you’ll be asked to re-link the account)
A new external account (you'll be prompted to link your external bank account)
What to expect after you connect your bank account
If you connect your bank account when applying for a Neo credit card, we’ll use your financial information to help determine your eligibility. Otherwise, you won't receive a result or decision in the app. Neo reviews your information and follows up by email.
Timing depends on what's being reviewed:
Account reviews typically take up to 48 hours
Credit decisions can take up to 14 days
Already completed this recently? If you finished this process within the last 3 days, your information is already on file. There's no need to go through it again.
Troubleshooting the connection with your bank account
"Did you link the right account?"
Your account may not have enough transaction history for us to complete the review. This can happen if the account you selected doesn't have enough regular activity.
Try selecting a different account. Ideally select the account you use for everyday spending and receiving income. If the issue continues, contact us for help.
"Something went wrong"
This is a temporary technical issue. Tap Try again to restart the process. If the problem persists, contact us.
Can't connect your external bank account?
Your financial institution may not be supported, or the login credentials you entered may be incorrect. Try again, or contact us if the issue continues.
Your privacy and consent
Your transaction data is shared with a trusted third-party provider solely to assess your financial profile. This process does not affect your credit score.
You can withdraw your consent at any time by contacting us. Once withdrawn, no further review will be performed on your account.
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