Neobanc: Cash Back on Bills

Neobanc helps Canadians earn additional cash back on the payments they already make – bills, rent or mortgage payments.

Pay eligible Canadian bills through Neobanc and earn 1–2% cashback from Neobanc, on top of any eligible rewards, points, miles, or cash back you may already earn from your credit card program.

That is the Neobanc advantage: stackable rewards on everyday payments. For Canadians who want to maximize cashback and credit card rewards, Neobanc helps make essential expenses work harder.

Then keep earning on your biggest expenses: your home. Whether you pay rent or a mortgage, Neobanc helps turn those major monthly payments into cashback you can use toward future payments or gift cards.

PAY BILLS. STACK REWARDS. Use Neobanc to pay eligible bills by credit card, Apple Pay, Google Pay, or Interac e-Transfer.

Pay common Canadian bills including: • Credit cards • Hydro, gas, and water • Internet and mobile • Insurance • Property taxes • Tuition and approved billers • Subscriptions and recurring bills

With Neobanc, your bills can do more than just get paid. They can help you earn extra rewards, track spending, and simplify your monthly routine.

EARN CASHBACK ON HOME PAYMENTS Rent and mortgage payments are often your largest monthly expenses. Neobanc helps make them more rewarding.

With Neobanc, you can: • Earn up to 1% cashback on eligible rent payments • Earn 0.5% cashback on eligible mortgage payments • Pay rent to your landlord by Interac e-Transfer or eligible credit card • Make eligible mortgage payments while keeping your same lender • Schedule recurring payments • Track payments and rewards in one dashboard

MAXIMIZE CREDIT CARD REWARDS Neobanc is built for people who want to get more value from the cards and payment methods they already use.

When you pay eligible expenses with a rewards credit card through Neobanc, you may be able to earn both: • Neobanc-issued cashback on eligible payments • Your credit card’s own points, miles, or cash back

That means eligible bills, rent, mortgage payments, and other major expenses can become part of a smarter rewards strategy.

Credit card bills must be paid by Interac e-Transfer and cannot be paid with another credit card.

REDEEM CASHBACK YOUR WAY Your rewards should be simple to use.

• Apply cashback toward future rent, bill, or mortgage payments • Redeem rewards for gift cards from popular brands • Track earned, pending, and redeemed rewards • View your cashback balance and history in real time

BUILD CREDIT WITH RENT REPORTING Rent is one of the biggest payments many Canadians make, but it often does not help build credit.

With optional rent reporting, Neobanc can help eligible rent payments appear on your credit report, giving you an opportunity to build credit history from payments you are already making. • Opt in to rent reporting • Report eligible rent payments • Keep proof of rent payments organized in the app

SIMPLE PAYMENT MANAGEMENT Neobanc brings your payments, rewards, documents, and history together.

• One dashboard for bills, rent, mortgage payments, and cashback • Real-time rewards tracking • Recurring payment setup • Push notifications • Face ID and Touch ID support • Lease and document storage • Proof of payment history

SECURITY, INSURANCE, AND FINANCIAL SAFEGUARDS Neobanc uses secure, compliant, and trusted payment infrastructure.

• Registered Money Services Business with FINTRAC • PCI-DSS compliant payment security • Bank-level encryption • Card information protected using industry-standard security controls • CDIC-insured partner bank infrastructure • Interac e-Transfer payments covered up to $10,000 through Neobanc’s partnership with reLease • $2M liability coverage through Zensurance • Secure login with Face ID and Touch ID • Real-time payment tracking and notifications

Download Neobanc today and start turning bills, rent, mortgage payments, and everyday expenses into cash back.

Questions? Contact support@neobanc.com