Each Canadian bank pulls from one bureau (Equifax or TransUnion) and has its own minimum credit score thresholds. Five of the Big Five and Tangerine offer a free in-app credit score — here's the full breakdown.
| Bank | Free in-app score? | Bureau pulled | Card min | Mortgage min |
|---|---|---|---|---|
| RBC Royal Bank | Yes | Equifax | 660+ | 680+ |
| TD Canada Trust | Yes | Equifax | 680+ | 680+ |
| CIBC | Yes | TransUnion | 680+ | 680+ |
| Scotiabank | Yes | TransUnion | 660+ | 680+ |
| BMO | Yes | TransUnion | 670+ | 680+ |
| Tangerine | No | Equifax | 650+ | 680+ |
| Simplii Financial | No | TransUnion | 660+ | 680+ |
| EQ Bank | No | Equifax | 660+ | 680+ |
Free TransUnion score in the RBC mobile app under 'Credit Score'. Pulls Equifax for new card applications.
Free Equifax score updated monthly via TD MySpend in EasyWeb. Card and mortgage approvals also pull Equifax.
Free TransUnion score via CIBC Credit Smart in mobile and online banking. Updated monthly.
Free TransUnion score via Scotia Credit Score in the app. Pulls TransUnion for most products.
Free TransUnion score in BMO online banking under 'CreditView'. New mortgage applications can pull both bureaus.
No free in-app score. Use Borrowell (TransUnion) or Credit Karma (TransUnion) for free monitoring.
No free in-app score. Owned by CIBC — same approval thresholds and TransUnion bureau usage.
No free in-app score. Equifax pull on the EQ Bank Card application. Use Equifax direct or Borrowell.
Don't have an account at one of the banks above? You can still monitor both bureaus weekly via Borrowell + Credit Karma — both are 100% free and the standard tools most Canadians use.