Neo Financial offers a modern way to manage your money through services like credit cards and bank accounts with cool rewards. One neat feature is their subscription-based perks that you can add to your Neo cards, letting you customize your rewards on things like travel, food, or fitness. These perks are flexible monthly subscriptions, and you get charged based on how long you have them each month. So, if you see charges from Neo Financial, it might be for these perks that help you earn more cashback and benefits on your everyday spending.
The cancellation process is straightforward as users can simply log in to their Neo account via app or web, navigate to the Perks section, and click unsubscribe. There is no need for complex steps or contacting support unless the option is missing, making it generally easy and quick to cancel.
Estimated Time
On average, it takes 10 minutes0010 minutes to cancel a Neo Financial subscription.
How to Cancel Neo Financial: Step by Step
If you purchased through Neo Financial:
Log into your Neo Financial account.
Navigate to the subscription section under your account settings.
Select the Premium subscription or the specific perk you wish to cancel.
Click on the cancel subscription option.
Follow any prompts to confirm cancellation.
How to Contact Neo Financial
If you need assistance, here's how you can get in touch with Neo Financial's support team.
Savings over 5 years from cancelling your $15/month subscription
Savings by cancelling
$0
vs
Loss if you keep paying
-$0
$800
$600
$400
$200
$0
Years
Tips and Tricks for Getting a Neo Financial Refund
Cancel directly from the app: Navigate Credit → three dots on upper right corner → Close Account for the fastest route.
Use up any cashback balance fully before canceling, as Neo Financial may withhold funds otherwise.
Withdraw any remaining money promptly after cancellation, as transfers back can be slow and problematic.
Avoid leaving funds in the account post-closure: manual refunds and transfers can be delayed or denied.
If refund of secured card funds is needed, consider cash withdrawal via ATM but expect cash advance fees.
If cancellation online doesn’t work, escalate by calling customer support directly. Be clear and firm about account closure and refund expectations.
Timing tip: Try to cancel during weekdays when customer service is more responsive.
Language tip: Use direct language emphasizing your intention to close the account permanently and request confirmation.
Do not rely solely on company policy statements; rely on reported user experiences noting delays and withheld funds.
Be persistent if funds are delayed or withheld, follow up multiple times if necessary by chat and phone.
Why Do People Request Refunds from Neo Financial
High fees and charges including annual fees, late payment charges, and cash advance fees.
Dissatisfaction with changes in terms and conditions leading to a negative customer experience.
Reduction in cashback rewards, such as cashback dropping to 0.5%.
Lack of flexibility in using own funds especially with the secured credit card where funds are not easily accessible.
Refund issues including delayed refunds, difficulty in retrieving funds, and requiring account closure to get money back.
Poor customer service with unclear communication and long wait times.
Better alternatives available with cards offering lower fees, better rewards, or travel perks.
Perceived lack of perks or benefits in keeping the card.
Additional credit limits complications such as refunds leading to credit over the limit.
Neo Financial Refund Script
Script
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Dear Neo Financial, Support, I hope this message finds you well. I am writing to request a refund due to a billing issue that arose recently. I noticed an accidental charge on my account that I do not recognize, and I believe it may have been a mistake. I would greatly appreciate your assistance in processing this refund at your earliest convenience. Thank you for your attention to this matter. I look forward to your prompt response. Best regards,
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Neo Financial Refund Policy
Neo Financial's Premium subscription can be canceled anytime by the member. If the subscription is canceled mid-month, the member retains all Premium benefits until the end of the current billing month.
Get help with your refund
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The Easiest Way to Get a Neo Financial Refund
If you’re frustrated trying to cancel your subscription, membership, or bill from Neo Financial—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
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Frequently Asked Questions
Neo Financial allows you to cancel your membership and subscriptions, including the Premium plan, at any time with no contracts, lock-ins, or early cancellation fees. Cancellation can typically be done easily through the Neo app or website, and any benefits continue until the end of the current billing period when you cancel mid-month. There are no gimmicks or penalties to worry about, but be sure to clear any balances before closing credit accounts or transferring funds from other account types as required.
High fees and charges including annual fees, late payment charges, and cash advance fees.
Dissatisfaction with changes in terms and conditions leading to a negative customer experience.
Reduction in cashback rewards, such as cashback dropping to 0.5%.
Lack of flexibility in using own funds especially with the secured credit card where funds are not easily accessible.
Refund issues including delayed refunds, difficulty in retrieving funds, and requiring account closure to get money back.
Poor customer service with unclear communication and long wait times.
Better alternatives available with cards offering lower fees, better rewards, or travel perks.
Perceived lack of perks or benefits in keeping the card.
Additional credit limits complications such as refunds leading to credit over the limit.
Login details for the Neo Financial app or website
Full name as registered with Neo Financial
Contact information (email and phone number on account)
Account number or card number for the subscription, membership, or bill being cancelled
Verification information (you may be required to answer security questions)
Zero account balance—make sure there are no outstanding balances or pending transactions
Withdraw any remaining funds or address any negative balance by contacting support
Written cancellation request may be required for account closure or data deletion
Be the primary cardholder or authorized account holder
Contact Neo Financial support:
Email: support@neofinancial.com
Phone: 1-855-636-2265
Before cancelling your Neo Financial subscription or membership, know that you must be the primary cardholder to close the account, and cancellation may need to be submitted in writing. Once cancelled, you might still receive bank statements if there is a remaining positive or negative balance, and you should contact Neo to transfer or pay off the balance to stop these statements. Canceling your account does not automatically deactivate your credit card, so you need to reach out to Neo to stop communications about cancelled accounts. If you wish to delete your account data, including personal and credit card details, this is only possible if you have no active products or applications with Neo and requires their approval. Additionally, due to regulatory requirements, Neo Financial must retain your data for at least five years, even after account deletion.
Neo Financial's Premium subscription can be canceled anytime by the member. If the subscription is canceled mid-month, the member retains all Premium benefits until the end of the current billing month.
To cancel your Neo Financial Premium Perks subscription, you need to log in to your Neo Financial account either via the Neo app or on their website and then follow the cancellation steps under the Premium Perks section in your account. This means you do need your password to access your account for cancellation. If you have forgotten your password, you can reset it here: Reset your Neo account password (https://support.neofinancial.com/hc/en-ca/articles/360058846771-Reset-your-Neo-account-password). There is no mention of phone or unauthenticated chat support for cancellations.
We've actually written a step by step guide on how to get a refund from Neo Financial. Check it out!
The cancellation process typically takes about 10 minutes to complete. However, the actual time may vary depending on your account settings and whether you need to contact customer service. Most cancellations are processed immediately, but some may take up to 24 hours to take effect.
After canceling your Neo Financial subscription, you'll typically have access to the service until the end of your current billing period. You won't be charged for the next billing cycle, and your account will be deactivated once the current period ends. Make sure to download any important data before cancellation.
Yes, you can usually reactivate your Neo Financial account by logging back into your account and resubscribing. However, you may need to go through the sign-up process again and provide payment information. Some services may offer special reactivation deals for returning customers.
If you're unable to cancel Neo Financial online, contact their customer service directly using the phone number, email, or website provided above. You can also use our refund script to help you communicate effectively with their support team. In some cases, you may need to provide additional verification or documentation.
Editorial Note: The content on this site is provided for general informational purposes only and reflects the independent research, opinions, and editorial judgment of Chargeback's team. While we strive to ensure accuracy and relevance, the information may contain errors, omissions, or become outdated. Nothing on this site constitutes legal, financial, or professional advice, and we do not guarantee the effectiveness or outcome of any guidance provided. Individual results may
vary depending on specific circumstances.
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¹ Total savings is calculated based on internal annualized estimates of
savings for customers. ² Average requests times may vary depending on volume of requests
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