Top quark pair production in association with a Z-boson or a photon at the LHC directly probes neutral top-quark couplings. We present predictions for these two processes in the Standard Model (SM) Effective Field Theory (EFT) at next-to-leading order (NLO) in QCD. We include the full set of CP-even dimension-six operators that enter the top-quark interactions with the SM gauge bosons. For comparison, we also present predictions in the SMEFT for top loop-induced HZ production at the LHC and for tt production at the ILC at NLO in QCD. Results for total cross sections and differential distributions are obtained and uncertainties coming from missing higher orders in the strong coupling and in the EFT expansions are discussed. NLO results matched to the parton shower are available, allowing for event generation to be directly employed in an experimental analyses. Our framework provides a solid basis for the interpretation of current and future measurements in the SMEFT, with improved accuracy and precision.