Neo Financial logo

Best Budget App for
Neo Financial

Link your Neo Mastercard and Neo Everyday account to Waypoint Budget and see cashback spending and everyday bills in one budget. Neo transactions sync through Flinks and sort into categories on their own.

Get Started Free

No credit card · Free plan forever · Read-only connection

Connection

Flinks

Waypoint Budget connects to Neo through Flinks for the most stable sync.

Account types

4 supported

Neo Mastercard · Neo Everyday Account · Savings Account · Neo Secured Card

Access level

Read-only

Waypoint Budget can see transactions but can never move money in or out of Neo.

Built around how you use Neo

Waypoint Budget is a full budgeting app, not a spending chart bolted onto your banking app.

Automatic transaction sync

Every Neo transaction lands in Waypoint Budget within minutes, categorized and ready to review.

Smart category rules

Recurring Neo merchants learn your categories once and stay sorted forever.

Real budget tracking

See exactly how much of your Neo spending fits each category. No spreadsheets.

Smart Money Coach

Ask questions about your Neo spending and get answers in plain English.

Household sharing

If your partner also banks with Neo, share your budget without sharing logins.

Net worth and goals

Track Neo balances over time and set savings goals that move.

Connect Neo in under a minute

1

Create your free Waypoint Budget account

No credit card. Sign up with email, Apple, or Google.

2

Search for "Neo" and authorize

Waypoint Budget routes you through Flinks, the same secure bank-data provider used by major fintechs. You log in with your Neo credentials. Waypoint Budget never sees them.

3

Pick the accounts you want to budget

Bring in any of your Neo Mastercard, Neo Everyday Account, Savings Account accounts. Skip the ones you don't want tracked.

4

Watch your budget build itself

Transactions auto-categorize. Spending shows up against your budget. Done.

Your Neo login stays at Neo

Waypoint Budget uses bank-grade connections through Flinks, the same providers behind apps like Wealthsimple, KOHO, and SoFi. Your credentials are never stored by Waypoint Budget, and the connection is read-only.

Read-only access
256-bit encryption
SOC 2 providers
Disconnect anytime

FAQs about Neo + Waypoint Budget

Does Waypoint Budget sync with Neo Financial?
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Neo Financial is not in Plaid's Canadian catalogue, which is why budgeting apps that only use Plaid cannot connect it. Waypoint Budget reaches Neo through Flinks, the Montreal network built for Canadian institutions. You sign in once, accept the connection, and your transactions begin syncing. No CSV imports, no manual entry.
Which Neo account types are supported?
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Waypoint Budget supports Neo Mastercard, Neo Everyday Account, Savings Account, Neo Secured Card from Neo Financial. If you have multiple accounts, you choose which ones to bring in during setup.
Is connecting Neo to Waypoint Budget safe?
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Yes. Waypoint Budget never sees or stores your Neo login. The connection goes through Flinks, the same bank-data providers used by major fintechs, and is read-only. We can never move money.
How much does it cost to connect Neo?
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Waypoint Budget's free plan covers manual entry, CSV and PDF statement import, receipt scanning and every budgeting feature, and it stays free. Automatic Neo sync is on Waypoint Plus (CA$7.99/mo, 1 bank connection) and Waypoint Pro (CA$12.99/mo, 5 bank connections, plus net worth and household budgeting). Paid plans start with a free trial.
What if my Neo connection ever breaks?
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Waypoint Budget will surface the issue inside the app and walk you through a one-tap reconnect. You stay in control. Your data stays put while the connection is being restored.

Other Canadian banks supported in Waypoint Budget

Connect more than one to see your full picture.

Wealthsimple logoWealthsimpleKOHO logoKOHOTD Canada Trust logoTDRBC Royal Bank logoRBCBMO Bank of Montreal logoBMOScotiabank logoScotia

Start budgeting your Neo accounts today

Free plan forever. No credit card. Your Neo accounts connect in under a minute on Waypoint Plus or Pro.

Get Started Free

4.6/5 on Trustpilot