🍁 Made in Canada  ·  Free Forever  ·  PIPEDA Compliant  ·  Built for Newcomers
CanadaCanada's Newcomer Financial App

Canada is new. Your finances don't have to feel that way.

No credit history? No problem. Rootly shows you exactly where you stand financially — and recommends the right Canadian products for where you actually are. Free, always.

Get Early Access → How it works
Juan
Juan — Arrived 3 months ago
Colombia Colombia → Toronto, ON
74/ 100
CanadaReady Score™
Income stability
Strong
Cash flow
Strong
Savings
Building
Bill payments
Strong
💡 Recommended for you
Secured Credit Card Build credit with a small deposit. No credit history needed.
No-Fee Chequing Account A free everyday account to manage your money in Canada.
2 min
To connect your bank and get your score
6 mo
Average time to build a visible Canadian credit score
Free
Forever — no hidden fees, ever
Instant
Score generated the moment you connect your bank
How It Works

Up and running in 2 minutes

No paperwork. No branch visit. No credit score needed to start.

1

Connect your bank

Securely link your Canadian bank account in seconds. We use bank-level encryption — we never store your login credentials.

2

Get your CanadaReady Score™

Rootly analyzes your real banking behaviour — income, savings, cash flow — and generates your personal financial health score instantly.

3

Get matched to the right products

Based on your score, we show you exactly which credit cards, bank accounts, and savings products you're likely to be approved for — right now.

Who It's For

Built for every newcomer's journey

Whether you just landed or you've been here a year — Rootly meets you where you are.

🍁

Permanent Residents

You have income and savings but no Canadian credit file yet. Rootly shows Canadian banks who you really are — through your actual financial behaviour.

Credit building Mortgage prep TFSA & RRSP
🎓

International Students

Managing tuition, rent, and daily expenses on a tight budget. Rootly helps you build credit responsibly from day one so you're ready when you graduate.

Secured cards No-fee banking Score building
💼

Foreign Workers

You're earning in Canada but the financial system still treats you as invisible. Your Rootly score proves otherwise — income, stability, consistency.

Income verified Credit cards Car financing
What You Get

Everything you need to start fresh

Rootly is free forever. Always.

📊

CanadaReady Score™

A real financial health score built from your actual bank data — not a credit bureau file that doesn't exist yet. Updates weekly.

💳

Smart Product Matching

Credit cards, bank accounts, and savings products matched to your score — with estimated approval odds before you apply.

📈

Weekly Score Coaching

Personalized tips every week on exactly what moves will improve your score — and how fast. Plain English, not financial jargon.

🔒

Bank-Level Security

We use the same encrypted connection technology as Canada's major banks. We read your data — we never store your login credentials.

Ready to grow your Canadian future?

Join the early access list. Be among the first Canadians to use Rootly.

✓ You're on the list! We'll be in touch soon.

Free forever · No credit score needed · Bank-level security · PIPEDA compliant