How your newcomer cellphone plan can help you build credit to support your settlement in Canada

Updated: Nov, 1, 2023
  • Published: October 12, 2023

One common way to build good credit from the moment you land as a newcomer to this country, is through an everyday essential itemlike your cellphone.

Building a good credit score is very important for newcomers to Canada, as it is an indication on how well you manage credit and pay back loans.

Credit scores are established by the Canadian Credit Bureau and are based on whether or not you pay your bills on time, have money still owed, or have missed payments.

Scoring a healthy credit report can help you finance an auto purchase as an example.

Click here to join Canada's best 5G Network[1]

So how does a newcomer start to build a healthy credit standing?

One common way to build good credit from the moment you land as a newcomer to this country, is through an everyday essential item like your cellphone.

As a particular example, one of the best ways to build your credit score is through subscribing to a recurring service such as a post-paid cellular plan.

Specifically, having a post-paid cellphone plan from Bell is a great way to build credit because post-paid plans require consumers to pay for a service progressively over time. If you pay your cellphone bill on time and in full, you establish your historical payment data and credit history.

So, if you sign up with Bell today and take advantage of our Bring Your Own Device (BYOD) plans, activate with eSim, your credit score will start building the moment you land.

Note: If your phone is not eSim compatible, you may activate a SIM card for your phone at or at our stores when you land in Canada. A one-time sim card charge may apply.

Newcomer documents are accepted as valid IDs

To make the application process easier, newcomer documents such as Study Permit, Work Permit, Confirmation of Permanent Residence (CoPR), and PR card are now accepted at Bell for cellphone plan setup along with your foreign passport*.

*Exception includes Refugee Protection Claimant Document (RPCD) along with a Photocopy of a Foreign Passport

To find the Bell store nearest to you, use the Store Locator tool.

Click here to join Canada's best 5G Network[1]

Legal Disclaimer:

[1]  Based on a third party score (Global Wireless Solutions OneScore™) calculated using wireless network testing in Canada against other national wireless networks. See for details.

Share this article
Share your voice
Did you find this article helpful?
Thank you for your feedback.
Subscribe to our newsletter
Did you find this article helpful?
Please provide a response
Thank you for your helpful feedback
Please contact us if you would like to share additional feedback, have a question, or would like Canadian immigration assistance.
  • Do you need Canadian immigration assistance? Contact the Contact Cohen Immigration Law firm by completing our form
  • Send us your feedback or your non-legal assistance questions by emailing us at
Related articles
Will Canada make its current international student off-campus work hours policy permanent?
Portrait of a girl with a backpack and school supplies in the hallways of the university campus with her classmates in the background.
Can I extend or renew my Post-Graduation Work Permit? 
Happy business man listening to a discussion in an office boardroom. Business professional sitting in a meeting with his colleagues.
Changes to Canada’s inadmissibility fees starting December 1st, 2023
Canadian flag over Quebec city
Travelling to Canada for the first time as a newcomer? Here is how you can arrive prepared
Plane landing
Top Stories
Getting to know IRCC’s decision-making committees
Housing Accelerator Fund: New housing in 10 Canadian cities
Why should I enter the Express Entry pool now despite a temporary pause in draws?
Join our free newsletter. Get Canada's top immigration stories delivered to your inbox.
More in Express Entry
Why should I enter the Express Entry pool now despite a temporary pause in draws?
Edmonton skyline
How does IRCC decide when to hold Express Entry draws?
There are many possible reasons IRCC has not been holding Express Entry draws.
IRCC holds Express Entry draw for healthcare occupations; third draw this week
Candidates have been invited in the latest Express Entry draw.
Express Entry targeted occupations: How many healthcare workers does Canada need?
healthcare workers
Link copied to clipboard