We’re a new company, constantly building new stuff, and product team wants to hear what people want next. There’s a bunch on the roadmap, but we’d love to know if there’s any specific features or requests you have. We’ll collected it and share it with the team.
Some things that have been mentioned already (feel free to double tap if you think it’ll add value):
Joint accounts
Shared cards
More transparency around credit limit increase eligibility
Unified tax statements
Most banks let you transfer money from your credit card to your bank account as a cash advance. You should turn on this profitable feature for Neo. It saves clients from having to go to the machine to facilitate a cash advance.
You should update Credential Securities to Designed Securities in your master bill payee list.
Having a photo cheque deposit system is becoming antiquated, but still critical to be competitive against the banks and bigger providers.
Team up with more securities brokers to offer banking services to investment advisor clients.
I’ve mentioned it in other threads, but I think the main Neo Financial site should incorporate stronger MFA authentication methods than just email or SMS, such as:
TOTP - Rotating 6-digit code added to authenticator app like Google Authenticator, Authy, 1Password, Bitwarden that is not susceptible to interception or sim-jacking or a requirement to be able to receive SMS while out of country.
Passkeys - Even more secure than TOTP since there is no “shared secret” that could be leaked from either the server or client. Also faster and more convenient since it is “passwordless” on authorized devices.
This community forum site supports both of these methods, while the actual Neo Financial site with my real money does not. Looking forward to this being considered to better protect my accounts.
More options is generally better, I appreciate the bump on this. I am not a security expert myself, but I can check with the product team and see is they have any thoughts on adding new authentication methods. Of these, would it be right to say that passkeys are your top recommendation?
I would suggest TOTP as 1st priority, just because it is easier for less technical people to adopt, and has a wide adoption rate with common apps (Google Authenticator, MS Authenticator).
Passkeys I would suggest as a priority after TOTP as they more finicky depending on computer, device, and browser so may take a little more technical experience and patience to setup and manage. Without a password manager, they are also device specific, so ideally your implementation would support registering multiple passkeys for each of a users multiple devices (phone, computer, etc)
Thanks for sharing these, they’re all interesting ideas and definitely on our radar.
Which of these is your favourite? If you had to pick one.
That’s helpful, thanks! I would be genuinely curious to know how many people are using authenticators for personal use. I’ve only ever used them for work tools. What apps to you typically use them for?
I can’t speak to how many people, but I found this article which has some numbers: Two-Factor Authentication Statistics 2025 By Industry, Technology
Personally, I’ve tried to enable TOTP or Passkeys on any service I use where the option is made available. One of my earliest incentives to get off of SMS based 2FA is that it becomes inaccessible when travelling without an international roaming capable, or cost effective mobile provider.
Here are a some example sites/services that I have configured and support TOTP or passkeys, which I think shows how prevalent the support of non SMS 2FA is already these days:
2fas other than the phone number
The ability to change saving accounts order in the app would be nice as well
Nice, totally agree on the hassle of SMS 2F when travelling. I am lucky I had an iPhone last time I was in Mexico, I was able to receive some codes by iMessage.
This is a fantastic list, super helpful for us in community as we present the information to the product team. We really appreciate you sharing your expertise with the community!
Nice, more support for 2 factor options. Thanks!
Adjusting the UI is becoming a more popular concept. That for supporting that one as well!
Hello Grant,
I appreciate your responses. I am replying to a few things that strike my mind based on what you have indicated.
Cash Advances - To cash advance, currently, a Neo user has to go to a bank machine and more than likely pay a bank machine charge on top of any cash advance charges, along with carrying cash, which is not always an ideal form of storage when it comes to sense of security. Having individuals work with cash creates far more opportunities for money laundering to happen. If most of the banks offer this on their online services, I think you are okay from a PCMLTFA and FINTRAC viewpoint
REPLACE Credential Securities Ltd. - I believe I wrote Credential should be replaced with Designed Securities Ltd. and you responded you are going to add Credential. I potentially did not word this properly. Please add Designed Securities Ltd.
Cheque deposits - I am sure there are some logistics concerning flow of data, approval, deposit systems, clearing systems, etc. If the government of Canada can offer it and every other major bank does. There should be an opportunity to buy the wheel and not reinvent it.
Investment Services - I think you currently have one partner (Aligned), but are you limited to just one? There is a opportunity here for a bank to pick up deposits simply by integrating their banking services with the investment dealers.
All food for thought. I am hoping Neo can get a few more things in place and I would prefer to stick with them versus going back to a larger institution for the basic features.
Wishing Neo a successful journey forward.
Trevor Lawrence
Maple Groove Financial
Hi Trevor, I really appreciate the extra context. Part of my goals for the community team is to find the most valuable product ideas and get them on the roadmap. The is, of course, a product team with their own roadmap, so we have to explain why we think disrupting that roadmap is the best possible decision.
Cash advances — agreed on the risks and opportunity!
Credential — I have been looking for the full payee list to confirm if they’re on there since you mentioned it and haven’t had any luck, so I can’t confirm it right now. It might come out before I find the list, but I’m hopeful Credential will be on there.
Cheque — good point, maybe there’s something off the shelf we can use here. I dimly recall my previous bank, ATB, using a 3rd party services. I’ll investigate.
Investment — yeah, we’re using OneVest right now. Expanding that is an option and partnerships are a good way to add the functionality faster than we could build it ourselves.
Thanks again! Definitely add more ideas if you have them. I’m going to drop you a DM about another opportunity you might be interested in.
Hey! Been a Neo customer for a few years now and have enjoyed it! Super excited with the new joint accounts but I am hoping for a joint account with a credit card attached. The shared cash account is great for me and my partner, but I wish there was a similar option we could use to pay for our shared services that require a credit card. I know you have also released shared cards, but this doesn’t necessarily address our hopes as only one person is technically responsible for the account. If Neo released a true joint account credit card (even if its just a spending account with a debit/mastercard attached to it).
Hey @YEGDaniel, welcome to the community, glad to have you with us! A proper co-owned account with a card attached to it would be awesome, and I totally get wanting that feature. Never say never right? With the progress into Joint Accounts that we’ve made, I can totally see this as something we look towards adding in the future.
Can I ask what exactly you’d be looking for out of it that isn’t offered when you make someone an authorized user for your credit account? Just the shared responsibility?
That would be amazing! Essentially, I think both my partner and I would feel more comfortable if the account is legally binding under both our names. You never know what life events are in-store and knowing that any shared investment or debt in that account would be shared between us no matter the circumstances. I don’t see him locking out my access and making a run for it, but it would be harder to do if it was an actual join account 
Super fair, I definitely see where you’re coming from. If I get word of anything like this being brought out I’ll be sure to get in touch with you. Until then, if you have any other ideas, please don’t hesitate to share them, I love seeing all the ways we could branch out our offerings! And if you ever need help, feel free to send me a DM on here, always happy to help 
I like the idea of transparency myself. Maybe have a complete guide to (insert financial keyword[s] for improvement of financial health) or a function that gets you to a key Neo Financial professional in actual finances…
Gimmicks are fun short term grabs for short term growth, if you want to grab and hold a solid base, education is always key.
Ideas to improve support chat:
• Include a way for users to know if the agent is online and how many people are in front of them or some way to track progress while waiting. Right now the response is not immediate and there is no way to tell for users if they are waiting for something or they got disconnected on either side; There could be a more interesting way to wait – even big banks are playing music or ads with offers that aren’t ideal but at least give users a way to know that the wait is happening.
• Include time stamps or a timer for support chat. Neo AI assistant will say the average wait time but there is no timer or a way to keep track of how long more to wait. The most annoying part of the support is staring in the screen waiting for reply without being able to do much. Right now the time stamp shows for last message only and it is not possible to see time stamps for individual messages by tapping on them or swiping right like in many other apps.
• Allow the users to close the app and do their thing while they are waiting for response from support
• Consider having a mic button like in chatgpt to let users explain their issues using voice instead of typing and have AI convert that into text
• Neo AI Assistant has a nice Neo logo as a profile pic but actual agents show up with a boilerplate empty profile pic.
I am a fan of transparency, it would be super cool to see the queue! I believe closing the app actually works currently, have you tried it recently?
These are all great ideas!