# NEO — Lifestyle Digital Banking

> Digital banking for global money transfers, multi-currency accounts, and travel rewards. (iPhone/iPad app by The Saudi National Bank.)

- Source: https://appshunter.io/ios/app/neo/id1667738004 (this page in markdown: same URL + `.md`)
- Developer: [The Saudi National Bank](https://appshunter.io/developer/517508727)
- Category: Finance
- Price: Free
- Rating: 4.40/5 from 195 App Store ratings · 62 written reviews indexed
- Age rating: 12+
- Requires: iOS 15.0 · 1.1 GB
- Languages: American English, Arabic, Hindi
- Released: 2023-12-08
- Data updated: 2026-08-31
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/neo/id1667738004/reviews.md

## What is NEO?

NEO is a smart digital banking app that lets you open an account in minutes, transfer money worldwide, and manage multiple currencies, all in one secure app.

Start today and experience secure, fast, and modern digital banking with NEO.

Our Services

International Money Transfers
●	Competitive exchange rates
●	Low transfer fees with no hidden costs
●	Receiving options tailored to the recipient’s needs
●	Earn "NEONS" points when issuing a card 

Your money reaches the world in moments!
Send SAR, USD, EUR, and more worldwide in seconds. No borders, no delays.

Multi-Currency Account
●	Manage multiple currencies from a single account
●	Easily exchange between currencies with no hidden fees
●	Perfect for travel enthusiasts and global shoppers
●	Supports over 19 currencies, including QAR, USD, EUR, GBP, and more

Travel Cards 
●	Access to international and local airport lounges
●	Exclusive discounts
●	Uniquely tailored benefits for each card
●	Get neons on every purchase 

Currency Exchange – Best Rates, No Surprises
●	Instant exchange through the app with no delays
●	Best exchange rates
●	No hidden fees
●	Supports multiple currencies

All in One Digital Banking App

Your banking, simplified into one secure app.

Key Features:
●	Open your bank account in minutes
●	Transfer money locally and internationally
●	Track your spending and manage expenses
●	Earn Neons with every purchase
●	Pay bills instantly
●	Onboarding Minors (15-18) years old 
●	Issue and manage your cards
●	Request money (Qattah)
●	Bank-grade encryption for 24/7 security
●	Available for users aged 15 and above

Islamic Digital Banking
At NEO, we provide a fully integrated digital banking experience, 100% compliant with Islamic Sharia principles, ensuring every financial transaction you make aligns with approved Sharia standards. 

NEO App is fully compliant with Islamic Sharia standards.

Track Your Money – Easily and Securely

With the smart tracking feature, you can:
●	Monitor all your transactions
●	Receive personalized notifications for every financial movement
●	Get a clear view of your cash flow with smart income and expense insights, all in one simple dashboard.

Stay on top of your spending with smart alerts, income insights, and a simple dashboard.

Exclusive Offers & Vouchers

Open your account and start enjoying rewards. Neo offers real benefits and valuable promotions that make every transaction count:
●	Earn “Neons” points for every Riyal you spend
●	Get bonus Neons when you sign up and issue your first card
●	Enjoy instant discounts with our partners
●	Unlock exclusive offers tailored for you
●	Redeem digital vouchers for shopping, dining, and entertainment

With NEO, every transaction = added value, Download NEO digital banking app today and let the rewards begin!

Flexible Payment Methods

Your Card, Is Your Phone or Smartwatch.
Pay effortlessly with Apple Pay, Google Pay, Mada Pay, or Samsung Pay. No need to carry a physical card.
Request a physical card anytime, delivered straight to your door

Smart Payment Benefits:
●	Instant, secure payment with a single tap
●	Compatible with major smart payment platforms
●	Advanced protection to keep your data safe

Issue and manage virtual or physical cards anytime.

Explore the App Features

Your NEO Account Offers:
●	Open an account in minutes with our digital banking app
●	Issue an instant virtual/physical card
●	Multi-currency account
●	International money transfer
●	local transfer
●	Easy transfer using phone number
●	Expense tracking and categorization
●	Savings & investment calculator
●	Government payments 
●	Freeze or cancel your card instantly
●	24/7 customer support and security

Whether you're opening your first account or managing money across currencies, NEO gives you full control with simplicity and security. Start your digital banking journey today with NEO.

## Key features

- Open account in minutes
- International money transfers
- Multi-currency account management
- Travel cards with lounge access and discounts
- Earn rewards points (Neons)
- Secure, bank-grade encryption
- Islamic Sharia compliant banking

## Recent user reviews (10 of 62)

All indexed reviews: https://appshunter.io/ios/app/neo/id1667738004/reviews.md

### 5/5 — Neo

*2026-07-11*

Very good

### 5/5 — Nice experience

*2026-06-29*

I got an exposure to MC services and offers + no international  charges

### 1/5 — القصيم

*2026-06-16*

تطبيق فااااشل وسيء ولا انصح به ابداً

### 4/5 — Needs UI and speed optimization

*2026-05-08, version 2.2.0*

The app build should be more modern and new to have a very smooth and fast experience without any delays or lags. The UI needs to be very aesthetic with the newest modern design language. Would really appreciate better integration with SNB mobile app.

### 1/5 — دعم فاشل وتطبيق افضل

*2026-04-19*

البطاقه تتقفل كل فتره ولازم تاخذ يومين علشان تشتغل ،اشتغلت؟ طيب خذ مشاكل بطاقه ما تنشحن، طيب كلم الدعم! الدعم ما يرد لكم ان تتخيلو السوء كيف شخص يستلم راتب وهو على الكرسي بدون فعل الشي المطلوب منه! 
ما عندهم مشكله تقعد شهر بدون مساعد ممكن تزيد 👎🏼

### 1/5 — Useless

*2026-04-07*

Only allow to add money via wire transfer.. doesn’t accept cards nor Apple Pay

### 3/5 — NEO

*2026-02-07*

تطبيق جيد لكن يجب إضافة الأموال من خلال محفظة ابل باي كحال أغلب المحافظ الإلكترونية

### 5/5 — افضل محفظه

*2026-01-24*

سهله جداً بس لو يضيفون فيها شحن المحفظه عن طريق pay

### 1/5 — التطبيق سئي جدا بعد التحديث التخير

*2026-01-08*

من مراجعتي له ارجو اضافة وسيلة اضافة اموال غير التقليديه هذي عبر التحويل اضف عن طريق ابل بي او عن طريق البطاقه ع الاقل شي نقدر نستفيد منه

### 5/5 — حسام المالكي

*2026-01-01*

من أفضل التطبيقات البنكيه

## Frequently asked questions about NEO

### What is this app?

This is a smart digital banking app that simplifies your financial life. It allows you to open an account quickly, send money internationally with competitive rates and low fees, and manage multiple currencies all within one secure platform.

### What are the key features?

Key features include opening an account in minutes, performing local and international money transfers, managing over 19 currencies in a single account, issuing and managing travel cards with exclusive benefits like airport lounge access, earning rewards points on purchases, and enjoying bank-grade encryption for security.

### Is this app free to use?

Based on the provided information, the app is free to download and use. There are no mentions of subscription fees or upfront costs for basic banking services. Monetization may come from interchange fees or other financial services not detailed.

### Who can use this app?

The app is available for users aged 15 and above. It is designed for individuals who need a convenient and modern way to manage their finances, especially those who travel frequently, shop globally, or need to send money internationally.

### How does the rewards program work?

Users can earn 'Neons' points for every purchase made with their issued cards. There are also bonus Neons for signing up and issuing the first card. These points can be redeemed for various benefits, including instant discounts with partners and digital vouchers for shopping, dining, and entertainment.

## Version history (last 5 releases)

### 2.3.1 — 2026-08-18

General Improvements:

o    We've fixed several issues to enhance your daily experience

Update NEO – Enjoy!

### 2.3.0 — 2026-08-12

What's New in This Update:

Rewards & NEONs
• Exchange your NEON points, take part in action-based Leaderboard challenges, discover NEO Moments, and view richer transaction details in your NEON history

Personalization & Biometric Login
• Enjoy a new dark theme across the home screen and widgets, choose from predefined NEO app icons, and control the app opening sound.

• Log in faster with enhanced biometric options, including instant biometric login and easier activation controls.

Smart Prepaid Card Top-Ups
• Set automatic top-ups when your card balance reaches a selected limit, or schedule recurring top-ups with secure edit, disable, and re-enable controls.

Unified Finance
• Access a streamlined finance journey and view finance information through a dedicated home-screen widget

General Improvements
• Several fixes and performance enhancements for a smoother experience

Update now to enjoy a smarter, more seamless experience!  Update NEO - Enjoy!

### 2.2.2 — 2026-07-01

General Improvements:

o	We've fixed several issues to enhance your daily experience

Update now to enjoy a smarter, more seamless experience!

Update NEO – Enjoy!

### 2.2.1 — 2026-06-07

General Improvements:

o	We've fixed several issues to enhance your daily experience

Update now to enjoy a smarter, more seamless experience!

Update NEO – Enjoy!

### 2.2.0 — 2026-04-10

General Improvements:

o    We've fixed several issues to enhance your daily experience

Update NEO – Enjoy!

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## More apps by The Saudi National Bank

- [SNB Token](https://appshunter.io/ios/app/snb-token/id517508724)
- [SNB Capital Mobile](https://appshunter.io/ios/app/snb-capital-mobile/id933710630)
- [SNB Capital Tablet](https://appshunter.io/ios/app/snb-capital-tablet/id933719392)
- [SNB eCorp](https://appshunter.io/ios/app/snb-ecorp/id1073411806)
- [SNB QuickPay](https://appshunter.io/ios/app/snb-quickpay/id1471651922)
- [SNB AlAhli Aqar](https://appshunter.io/ios/app/snb-alahli-aqar/id1527542375)

All apps by The Saudi National Bank: https://appshunter.io/developer/517508727

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-31.*