Comparison

FirstReport vs Co

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

FirstReport

Access your identity and credit monitoring services on the go. Monitor personal data, report lost cards instantly, and view credit reports and scores. Features vary by subscription plan.

Highlights
  • Identity protection features
  • One-touch reporting of lost/stolen cards
  • Add data elements for monitoring
  • View monitoring alerts
  • Access credit reports and scores
  • Mobile access to services
Features
Read full description

This user friendly app makes it easier for you to access all your FirstReport features on-the-go. It allows you anywhere, anytime instant access to your FirstReport services on your iPhone. With FirstReport you have two different plans available to you – FirstReport-ID and FirstReport-Advantage. Access to all FirstReport services requires a subscription. Depending on which FirstReport plan you have subscribed to, you’ll have access to a different set of features and benefits on the App. If you’re on the FirstReport-ID plan you’ll have access to a variety of identity protection features. The App gives you mobile access to all of your identity monitoring services, including one-touch reporting of lost or stolen cards. You can also use your mobile app to add data elements for monitoring, including debit and/or credit card numbers, chequing and/or savings account numbers, email addresses, phone numbers, Social Insurance number, driver’s licence number and passport numbers. The App also allows you to view monitoring alerts on the go with ease. If you’re on the FirstReport-Advantage plan you’ll enjoy the benefits of FirstReport-ID plus you’ll be able to access a suite of identity and credit monitoring services at the touch of a button. With this App it’s easy for you to add data elements for monitoring and view monitoring alerts. You’ll also have the ability to view your Equifax Credit Bureau Report, receive alerts, and see your Equifax credit score on-the-go. By selecting Install, you consent to the installation of FirstReport, which gives you anywhere, anytime access to all of your identity and/or credit monitoring services on the go with ease. You are entitled to and consent to future updates or upgrades to FirstReport, which may be automatically installed as per your device or operating system default or user-initiated settings. You may withdraw your consent by deleting FirstReport from your device. For information about FirstReport privacy, visit: https://rbc.firstreport.ca/assets/docs/en/FirstReport-PrivacyPolicy.pdf For information about Terms and Conditions, visit: https://rbc.firstreport.ca/assets/docs/en/FirstReport-UserAgreement.pdf For assistance with the removal of your FirstReport app contact us at customerservice@firstreport.ca or 1-855-826-5328. FirstReport services are provided by Sigma Loyalty Group Inc. P.O. Box 3020, Postal Station D, Toronto, Ontario M9C 4V5 FirstReport is a registered trademark of Sigma Loyalty Group. All rights reserved.

About

Co

Access your insurance policy details, including auto liability slips and home/auto coverage. Easily make claims or payments for personal home, auto, farm, and business policies. Find contact information for your policies and Co-operators.

Highlights
  • View auto insurance liability slips
  • Sign in with Touch ID, Face ID, or PIN
  • Make claims for home, auto, farm, and business
  • View policy details and coverage
  • Make payments
  • Find contact information
Features
Read full description

What you can do in the app: Sign in with biometrics: — Signing in is easy and secure when you set up biometric login, like Face ID or Touch ID. Submit a home, auto and recreational vehicle claim — Manage every step of the claims process right from your device: start a claim, track its status, upload documents and take photos. Need to pause? We’ll save your progress so you can pick up where you left off. Get your proof of insurance* — Enjoy instant access to your digital pink slip for any of your auto and recreational vehicle policies. You can also add your pink slip to your mobile wallet. Facility Association (FA) clients don’t have access to this feature. Access paperless documents — With just a few taps, you can instantly pull up your coverage details and investment documents. We’ll email you when new documents become available. Make a payment — View bills, make a payment and update your payment methods. Manage policy details — Make changes to your home, auto and recreational vehicle policy, like adding a driver or a vehicle. Online Services support — If you need help with Online Services, call 1-855-446-2667 or email client_service_support@cooperators.ca *Although your pink slip is a valid proof of insurance in most provinces and states, we recommend that you always keep a paper copy with you. Co-operators® is a registered trademark of The Co-operators Group Limited and is used with permission. ©2026 Co-operators General Insurance Company

Screenshots

FirstReport4 screens
Co4 screens

Verdict

The call

The clearest difference is monetization model: Co at free against FirstReport's subscription. Co also leads on update cadence (every 6 weeks vs every 6 months) and review sentiment (18% vs 7%). FirstReport's advantage is iOS requirement (13.0 vs 17.0). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

FirstReport ships an update every 6 months, Co every 6 weeks. The most recent releases landed on October 16, 2026 and October 21, 2026 respectively.

Scorecard4 real differences · 4 level
FirstReport versus Co: the parameters behind the verdict, then further details
ParameterFirstReportCo
PriceFreeFree
Positive reviews7.1% of reviews17.9% of reviews — better
Update frequencyEvery 6 monthsEvery 6 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationSubscriptionFree — better
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS13.0 — better17.0
Further details — not scored
Size1 MB51 MB
Age rating4+4+
DeveloperSigma Loyalty GroupThe Co-operators Group Limited

Customer experience

FirstReport

Written reviews14 reviews
Positive7.1%
Neutral14.3%
Negative78.6%

Co

Written reviews67 reviews
Positive17.9%
Neutral11.9%
Negative70.1%

In-app purchases

None

FirstReport

No in-app purchases

None

Co

No in-app purchases

Questions

Is FirstReport free?
FirstReport is free to download, with no in-app purchases.
Is Co free?
Co is free to download, with no in-app purchases.
Do FirstReport or Co have ads?
Neither FirstReport nor Co shows ads.
Which is updated more often, FirstReport or Co?
FirstReport ships an update every 6 months, and Co every 6 weeks. Most recently, FirstReport was updated on October 16, 2026 and Co on October 21, 2026.

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