Evidence checked: August 1, 2026
A source-first comparison built around what the providers currently say—not an unsupported bonus headline or a manufactured winner.
Provider evidence
These statements are deliberately narrow. Follow the source, read the complete current terms, and confirm that you qualify.
The referred-user page states “3 months of the Everything Plan for free.”
This verifies the displayed reward language—not universal eligibility, activation timing, renewal cost, or every plan condition.
The Chequing page advertises “Earn 1% cashback.”
This verifies the displayed cashback headline—not qualifying activity, exclusions, limits, duration, or total account value.
The two source checks above do not establish a complete feature comparison. Before choosing, independently verify:
Decision aid
Treat these as research starting points, not recommendations.
Seven-point check
Save the answers from each provider and compare them side by side. A blank answer is a reason to pause—not to guess.
| Question | Why it matters | Evidence to capture |
|---|---|---|
| Am I eligible? | A headline benefit may depend on referral status, residency, age, identity checks, or timing. | The provider's current eligibility language and the date you checked it. |
| What is the total cost? | Recurring and transaction costs can outweigh a short-lived reward. | Plan price plus relevant withdrawal, transfer, inactivity, and foreign-exchange terms. |
| What triggers the reward? | Registration alone may not complete an offer. | Every activation step, threshold, deadline, and exclusion. |
| When does it end? | A temporary benefit can renew, expire, or change. | Start date, end date, renewal terms, and cancellation instructions. |
| What is the everyday value? | Long-term usefulness matters more than a single headline. | Benefits that match your real spending and saving behaviour, with conditions. |
| How are funds held? | Brand names alone do not explain custodial or protection arrangements. | The provider's current legal and protection disclosures. |
| How do I leave? | Withdrawal and closure friction affects practical value. | Transfer, withdrawal, cancellation, and account-closure steps. |
Method
Provider-owned pages, exact public offer language, visible evidence date, and explicit uncertainty.
Questions
KOHO's referred-user help page states that the reward is three months of the Everything Plan for free. Confirm eligibility, activation, renewal, and other terms on the current provider page.
Neo's official Chequing page advertises earning one percent cashback. Confirm qualifying activity, exclusions, limits, and all other account terms on the current provider page.
The current verified evidence is too narrow to support a universal winner. Use the checklist above to compare costs, eligibility, conditions, everyday value, fund-protection arrangements, and exit terms.
No provider-owned evidence supporting a current cash signup amount was established for this revision. Omitting an unsupported number is more useful than presenting it as fact.
The two cited provider pages were checked on August 1, 2026. Product terms can change, so recheck both sources immediately before acting.
Next step
Provider source links are direct. Use the seven-point checklist and do not proceed while a material answer is missing.