Many people use RBC for the accounts that touch everyday life most often: the chequing account where income lands, the savings account that holds a buffer, and the credit card that picks up regular spending. When you connect your RBC accounts to Boreal through Plaid, those pieces can appear in one view instead of staying split across separate screens and statements.

The connection is read-only. Boreal can review balances and transactions so it can summarize what changed, but it cannot move money, pay bills, transfer funds, or edit anything inside your RBC relationship. Your online banking credentials are handled by Plaid, not by Boreal, so your password never passes through Boreal's servers.

Once your RBC data is connected, Boreal starts doing the work that usually gets pushed onto you in a budgeting app. Transactions are categorized automatically, recurring activity is easier to spot, and the dashboard starts showing the trends that matter without asking you to build a budget first or sort purchases one by one.

That matters most when several RBC accounts work together. A paycheque landing in chequing, a card balance rising mid-month, and a transfer into savings all mean more when they are seen together. Boreal focuses on that combined picture so you can understand where your money went, what changed from the prior month, and where cash flow appears to be heading next.

Once linked, supported RBC accounts continue refreshing as new balances and transactions become available through Plaid. Boreal does not promise a fixed timing because refresh behaviour can vary by RBC product and by Plaid’s current access.

From time to time, RBC or Plaid may ask you to sign in again before imports continue. If Boreal prompts you to reconnect, completing that step restores the supported feed while keeping the connection read-only.

Boreal uses read-only connections for RBC data. That means Boreal can observe the activity needed to explain your finances, but it cannot initiate payments, move money between accounts, or make changes to account settings.

Your credentials stay with Plaid during the connection flow, and Boreal does not receive or store your online banking password. Data that Boreal keeps to power your dashboard and insights is protected with AES-256 encryption, which matches the security promises already made elsewhere on the site.

You stay in control after the initial connection as well. You can disconnect linked accounts, stop syncing, or delete your Boreal data if you decide the product is not for you.

Connecting other Canadian institutions at the same time

Boreal is not limited to one institution. If you want to connect RBC and TD accounts in one app, 

 can be connected at the same time so everyday banking and secondary cash accounts stay in one view.

TD is often where people keep the accounts they use constantly: a primary chequing account, a savings buffer, one or more credit cards, and sometimes borrowing products that shape monthly cash flow. Connecting TD to Boreal through Plaid helps pull those moving parts into a single place so you can see the whole month instead of piecing it together manually.

The key point is that Boreal is there to read, not act. It can look at balances and transactions for insight generation, but it cannot send payments, move cash, or update anything in your TD profile. Plaid handles the credential step, and Boreal never receives your online banking password.

Once connected, Boreal turns TD account activity into something easier to understand. Instead of checking transactions line by line, you get automatic categorization, a clearer view of recurring expenses, and a better sense of whether the month is trending the way you expected.

That is especially useful when spending and borrowing are spread across more than one TD product. Boreal is built to show the relationship between inflows, card activity, and transfers without asking you to maintain a budget or keep your own spreadsheet up to date. You connect the accounts once, and the app keeps doing the sorting and summarizing for you.

If one TD account covers household bills while another holds savings for near-term goals, Boreal helps you read those tradeoffs together. You can see when recurring costs are taking up more room, when savings contributions are slipping, and when your overall cash picture looks steadier than the transaction list suggests.

After you link supported TD accounts, Boreal keeps checking for newly available balances and transactions through the connection. There is no guaranteed refresh schedule because timing depends on the specific TD product and on Plaid’s access path.

TD can occasionally require Plaid to renew authentication before new data continues flowing. When Boreal asks you to reconnect, signing in again restores the supported import while the connection remains read-only.

TD connections in Boreal are read-only. Boreal can review financial activity for insight generation but cannot take action inside the account itself.

Your credentials are handled by Plaid during setup and never stored by Boreal. Any financial data Boreal keeps to power its dashboard and insights is protected with AES-256 encryption.

If you no longer want the connection, you can disconnect supported TD accounts and remove your Boreal data. You remain in control of whether the data stays linked.

 can appear alongside your TD accounts, and 

 can be added in the same Boreal view when your everyday banking spans more than one institution.

Connecting your Scotiabank accounts to Boreal

Scotiabank customers often have more than one moving part to keep up with: everyday banking, card spending, savings, and sometimes additional borrowing or investment activity. Connecting those supported Scotiabank accounts to Boreal through Plaid helps turn that spread-out activity into one working picture instead of several separate logins.

Boreal does not become a control layer for your accounts when you connect. It can see the information required to build your dashboard and summaries, but it cannot move money, pay a bill, request a transfer, or make changes in Scotiabank. Plaid handles the credential step, and Boreal does not receive your online banking password.

The benefit of that connection is not just seeing balances on one screen. Boreal automatically categorizes transactions, highlights unusual shifts, and helps you understand the month in words instead of leaving you alone with a chart and a list of merchants.

That can be useful when spending runs through a Scotiabank credit card while cash sits somewhere else in the same institution. Boreal brings those signals together and focuses on what matters: where money is going, which recurring costs are showing up, and whether cash flow appears tighter or looser than it did before. You do not need to build a budget to get that view.

It also makes check-ins faster. Rather than opening each account to figure out why the month feels different, you get one place that can surface the change in category mix, highlight repeating charges, and frame the month in terms that are easier to act on.

After connection, supported Scotiabank accounts continue refreshing in Boreal on an ongoing basis as Plaid receives updated account information. That helps keep balances, transactions, and monthly changes current inside the same dashboard.

Scotiabank or Plaid may occasionally pause the feed until you complete another sign-in or verification step. Reconnecting the account in Boreal typically restarts syncing, with coverage still depending on the specific product and setup.

The Scotiabank connection inside Boreal is read-only. Boreal can review balances and transaction history to generate insights, but it cannot initiate transactions or change anything in your accounts.

Plaid is the service that handles authentication, which keeps Boreal away from your online banking password. Any financial data Boreal retains for your dashboard and insights is protected with AES-256 encryption.

You can disconnect supported Scotiabank accounts whenever you want, and you can delete your Boreal data if you no longer want the service. The point is visibility and context, not account control.

Boreal can combine several institutions in the same account view. If you also bank with 

, those supported accounts can sit beside your Scotiabank connection.

Scotiabank

BMO can easily become a mix of daily banking, emergency savings, card spending, and borrowing that is hard to read as one story. Connecting your supported BMO accounts to Boreal through Plaid helps pull those pieces together so the month makes more sense at a glance.

The connection stays on the observation side only. Boreal can read balances and transactions, but it cannot transfer funds, pay bills, or take actions inside your BMO accounts. Plaid handles your credentials during the connection flow, which means Boreal does not receive your banking password.

After setup, Boreal starts turning BMO account activity into something more useful than a raw transaction feed. Spending is categorized automatically, recurring charges are easier to spot, and the dashboard starts reflecting how money actually moves through your month without asking you to maintain a budget.

That is valuable if your BMO relationship spans both deposits and borrowing. A rise in card spending, a quieter savings month, or more pressure on a line of credit all mean more when they are read together. Boreal is designed to provide that context in plain language so you can understand what changed without doing the bookkeeping yourself.

For people who use BMO as a central banking relationship, that broader context matters. Boreal helps connect the routine pieces of the month, including deposits, repayments, transfers, and category shifts, so you can tell whether a change is a one-off event or the start of a pattern.

Supported BMO connections keep syncing after the initial link so Boreal can continue updating the picture it shows you over time. New balances and transactions appear as Plaid is able to pull them through the connection.

There are times when BMO or Plaid asks for renewed authentication before the sync can continue. Reconnecting the account inside Boreal usually restores the feed, although support can vary by product and account type.

BMO connections in Boreal are read-only. Boreal can access financial data for summaries and analysis, but it cannot move money or make any changes inside the account itself.

Plaid handles the sign-in and credential exchange, so your online banking password never touches Boreal's servers. Any financial data Boreal keeps to provide the product is protected with AES-256 encryption.

You can disconnect your supported BMO accounts or delete your Boreal data whenever you want. The product is meant to make your financial picture clearer, not to become another control point for your money.

A BMO connection does not have to stand alone. You can also link supported accounts from 

 so Boreal shows those institutions together.

For many households, CIBC is part of the daily financial routine: deposits arrive there, bills clear there, and credit card activity builds there through the month. Connecting your supported CIBC accounts to Boreal through Plaid helps put those patterns in one place so you can stop switching between screens to understand the basics.

That connection does not give Boreal control over the accounts. Boreal can review balances and transactions so it can explain trends, but it cannot transfer funds, pay bills, or change account settings. Plaid handles the credential flow, and Boreal never receives your online banking password.

The real value comes after the sync. Boreal automatically categorizes connected CIBC transactions, makes recurring activity easier to spot, and frames monthly changes in plain language so you do not have to interpret the whole picture from raw banking data alone.

This is especially useful if money is moving between several CIBC products. A quiet month in savings, a heavier month on cards, or a shift in debt payments matters more when those changes are seen together. Boreal is built to highlight those relationships without asking you to keep a spreadsheet or maintain a set of manual category rules.

That means you spend less time proving to yourself what already happened and more time understanding what it means. Boreal is meant to shorten the path from account activity to a useful answer, especially when several CIBC accounts are contributing to the same monthly story.

Once a supported CIBC account is connected, Boreal keeps receiving refreshed account data over time instead of treating the link as a one-time import. That ongoing sync is what lets the dashboard and summaries stay useful between check-ins.

CIBC and Plaid may sometimes require another authentication step before updates resume. If the connection pauses, reconnecting the account in Boreal is the standard way to restore the feed, subject to current product availability.

CIBC connections inside Boreal are read-only. Boreal can read the data needed to show your dashboard and generate insights, but it cannot move money or make any transaction on your behalf.

Authentication is handled by Plaid, which means Boreal does not store your banking password. Any financial data Boreal keeps to provide the product is protected with AES-256 encryption.

You can disconnect your supported CIBC accounts or delete your Boreal data whenever you want. The product is meant to make your financial picture clearer, not to become another control point for your money.

Several institutions can be connected in parallel. If you also have supported accounts at 

, Boreal can include them in the same overall picture as CIBC.

CIBC

Connecting your Tangerine accounts to Boreal

Tangerine often appeals to people who want a simpler, more digital banking setup, but a simpler interface does not always mean an easier monthly picture. You may still have savings, day-to-day spending, and credit activity moving in different directions. Connecting supported Tangerine accounts to Boreal through Plaid helps bring that activity together in one view.

The connection is read-only from the start. Boreal can examine balances and transactions so it can create your dashboard and insights, but it cannot transfer money, pay a bill, or make changes to your Tangerine accounts. Plaid handles the sign-in step, and Boreal never receives your online banking password.

Once your Tangerine data is connected, Boreal removes the manual work that usually comes with a personal finance app. Transactions are categorized automatically, recurring charges become easier to notice, and you can see how the month is changing without maintaining your own budget system.

That is useful whether Tangerine is your main bank or one piece of a wider setup. Boreal is built to explain what changed, what looks steady, and where cash flow appears to be heading next. You do not need to spend time sorting transactions or checking each account separately to get that answer.

This is often where a digital-first setup benefits from an outside summary. Even when the banking experience feels tidy, the month can still be noisy. Boreal helps translate those movements into a clearer explanation of spending, recurring costs, and momentum without asking for more upkeep from you.

After you link supported Tangerine accounts, Boreal continues syncing new account activity in the background as Plaid receives updated data. That helps your monthly view stay connected without asking you to rebuild anything manually.

Tangerine or Plaid can occasionally require a fresh login before the connection keeps updating. Reconnecting the account in Boreal usually brings the feed back, and the exact coverage can still depend on the account type involved.

Tangerine connections in Boreal are read-only. Boreal can view account data to explain spending and cash flow, but it cannot move money or take actions on the account.

Your credentials are handled by Plaid rather than Boreal, so Boreal does not receive or store your banking password. Boreal uses AES-256 encryption to protect the financial data it keeps for your dashboard and insight history.

If you want to stop using the connection, you can disconnect the supported account or delete your Boreal data. Control stays with you even though the app automates the analysis.

You are not restricted to Tangerine alone. Supported accounts from 

 can be connected at the same time so Boreal reflects both sides of your setup.

Tangerine

Connecting your Desjardins accounts to Boreal

Desjardins often sits at the centre of a household's everyday finances in Quebec, with a caisse account handling deposits, savings, and regular payments while cards and other products add another layer of activity. Connecting supported Desjardins accounts to Boreal through Plaid helps bring that cooperative banking picture together so you can read the month more clearly.

The connection does not let Boreal act on your accounts. Boreal can review balances and transactions to generate insights, but it cannot move money, pay bills, or modify account settings. Plaid handles the credential flow, so Boreal never receives your online banking password.

Once connected, Boreal is meant to reduce the admin work that usually follows financial tracking. Transactions are categorized automatically, recurring payments are easier to recognize, and the dashboard starts telling a more useful story than a list of line items ever could.

That matters when money moves between a caisse account, a credit product, and savings at different points in the month. Boreal focuses on the combined pattern: where the money went, which categories changed, and what the month appears to be leading toward. You do not need to build a budget or maintain manual labels to get that context.

For Desjardins members who want clarity without extra chores, that combined reading is the point. Boreal aims to reduce the effort of understanding your finances by turning routine account activity into a monthly explanation you can scan quickly and actually use.

Supported Desjardins accounts keep refreshing in Boreal after the first connection so the dashboard can continue reflecting newer activity over time. Boreal relies on the updates Plaid is able to retrieve from the institution through that link.

At certain points, Desjardins or Plaid may require you to sign in again before syncing resumes. When that happens, reconnecting the account inside Boreal is usually enough to restore the feed, with availability still varying by product.

Desjardins connections inside Boreal are read-only. Boreal can see the account data needed for insights and summaries, but it cannot send payments, move money, or make any changes to your accounts.

Your credentials stay with Plaid during authentication, which means Boreal does not receive or store your Desjardins password. The financial data Boreal keeps for the dashboard and insights is protected with AES-256 encryption.

You can disconnect supported Desjardins accounts or delete your Boreal data at any time. Boreal is there to explain your finances more clearly, not to manage your money for you.

Boreal can show more than one institution in the same place. If you also use 

, those supported accounts can appear alongside your Desjardins accounts.

Desjardins

Connecting your EQ Bank accounts to Boreal

EQ Bank is often one piece of a broader setup rather than the only place you manage money. It may hold savings, everyday cash, or short-term reserves while cards and other accounts live elsewhere. Connecting supported EQ Bank accounts to Boreal through Plaid helps bring that part of the picture into the same monthly view as the rest of your finances.

The connection is read-only. Boreal can look at balances and transactions so it can explain trends and changes, but it cannot transfer funds, pay bills, or edit anything inside EQ Bank. Plaid handles your credentials during setup, and Boreal never receives your online banking password.

Once connected, Boreal turns EQ Bank activity into context instead of raw data. Transactions are categorized automatically, recurring inflows and outflows become easier to follow, and you can see how savings behaviour fits into the rest of your month without doing manual bookkeeping.

That is especially useful when EQ Bank acts as the savings or cash-management side of a multi-bank setup. Boreal helps show how transfers, spending, and reserves relate to each other so you can understand what changed and where cash flow appears to be heading. You do not need to set up a budget first to get value from that picture.

It also helps answer the common question of whether money is actually building up the way you intended. When transfers into EQ Bank slow down or cash starts leaving more often than expected, Boreal can make that shift easier to spot without requiring constant manual review.

After you connect supported EQ Bank accounts, Boreal continues syncing updated balances and transactions as the connection remains active. That ongoing refresh is what keeps EQ Bank activity in the same picture as your other linked accounts.

EQ Bank or Plaid may periodically ask for another authentication step before new data can continue flowing. Reconnecting the account in Boreal typically restores the feed, though support can still vary by account and connection path.

EQ Bank connections inside Boreal are read-only. Boreal can view financial data for analysis and dashboard features, but it cannot move money or make changes to your accounts.

Plaid handles the authentication layer, which means Boreal does not receive or store your banking password. Financial data stored by Boreal is protected with AES-256 encryption so the product's security promises stay consistent.

You can disconnect supported EQ Bank accounts or delete your Boreal data whenever you want. Boreal is designed to help you understand your money, not to control where it goes.

EQ Bank can be one part of a broader setup in Boreal. Supported accounts from 

 can be connected at the same time for one combined dashboard.

EQ Bank

Boreal turns your accounts into clear, AI-powered insights. Join the early access.

{term} - Boreal Blog

Every major bank, credit union, and challenger bank, connected natively. Got accounts south of the border? US banks work too.

Canadian banks, natively

CAD for your Canadian accounts, USD for your US ones — no phantom conversions. Your dashboard speaks loonies and dollars.

Right currency, automatically

Boreal sorts your spending into categories that reflect how Canadians actually live — groceries, transit, rent, hydro, mobile, subscriptions — so the picture you see matches the life you live.

Built around Canadian spending

Boreal is built independently in Canada for people who want a clearer view of their money without spreadsheets or manual tracking. We're collecting public feedback on Trustpilot as we continue improving the product.

Chequing, savings, credit cards - Boreal pulls them all together so you can finally see your full cash picture in one place.

One dashboard for every account.

Boreal projects your cash flow forward based on how you actually spend - so you can see where you'll land at the end of the month, not just where you've been.

See what's coming, not just what's been.

Set a target like a house down payment, an emergency fund, or a debt-free date, and log what you set aside as you go. Boreal does the projection math for you and updates your completion date automatically, so you always know if you're on pace.

Know exactly when you'll hit your goal.

Every month, Boreal's AI reads your spending and surfaces what changed, where money's leaking, and what's worth a closer look, in words, not just numbers.

Insights that actually tell you something.

Bank-grade encryption via Plaid. Read-only — Boreal can never move your money.

Connect accounts securely through Plaid

Boreal summarizes what changed each month, so understanding your money never becomes a chore.

Keep receiving monthly insights

Just an email to start. No credit card required.

Create your free account

Your dashboard and first insights are ready the moment you connect.

Get your financial snapshot

You never set a budget or a spending limit. Boreal just watches what's actually happening and tells you.

No budgets to build

Boreal sorts every transaction into categories for you automatically. You still see your spending by category, you just never map anything by hand.

No transactions to sort

You still get a full dashboard. The difference is you don't have to decode it, because Boreal also tells you what changed and what's next in words, not just numbers.

No charts to puzzle over

Brian Adair

Boreal projects your income, spending, and what is left at the end of the month, so you can see where you will land before it happens.

See what is coming next

See the spending changes that actually moved your month, not just a long list of transactions.

{groceriesThisMonth} vs {groceriesLastMonth} in May - mostly two large weekend shops.

Groceries up {groceriesPct} this month

Understand where your money went

Catch the subscriptions, price changes, and unusual swings that are easy to miss in a busy month.

Renewed at {subscriptionNow}, up from {subscriptionPrev} last cycle.

Streaming subscription increased

Know what deserves your attention

Free

Boreal does not receive or store your online banking password.

Bank credentials handled by Plaid

Disconnect accounts and delete your data anytime.

Delete your data

Boreal cannot move money or make transactions.

Read-only access

Groceries came in {groceriesPct} higher this month, with most of the change tied to two larger weekend shops.

June 2026 insight

Boreal noticed

Credentials handled by Plaid

You can disconnect accounts and delete your Boreal account and associated data.

Boreal can view the financial data needed to generate insights, but it cannot move money or make transactions.

Read-only connections

Connect accounts from RBC, TD, Scotiabank, BMO, CIBC, Desjardins, Tangerine, and more through Plaid. US accounts are supported too.

Connect Canadian banks in one app

Supported banks

RBC

TD

Scotiabank

BMO

CIBC

Tangerine

Desjardins

EQ Bank

Ready to see your money clearly?