Neobanc MCC use
I reached out to Neobanc support to ask about which MCCs they currently use for their payments. The response was as follows:
>Neobanc uses a single MCC for all payments processed through us — MCC 6513 (Real Estate Agents and Managers). This applies across the board: rent, bills, mortgage, tuition, CRA payments, property tax, everything. There is no variation by payee or payment type.
According to support, this is what they currently use with their processor, but they could always change that in the future. This differs from Chexy, who uses a different MCC for each payee that reflects the type of payment being made.
I also noted while I was discussing with support that the app shows a unique identifier underneath each payee, and how it might be useful if they ever decide to code each payee categorically to note the MCC that will be used.
Not much else to say, just figured this info might be useful for a lot of the churners in this sub. If you're using the BNS MVI+ card, don't use it with Neobanc past Oct. 22 because it definitely won't get 4%. I'm still happy continuing to use Neobanc for my CC payments, and maybe more in the future depending on how everything ends up being handled both by Neobanc and the CC providers.