BankBazaar vs OneScore: Spam calls, app permissions and accuracy compared
BankBazaar and OneScore both let you check your credit score for free on your phone. BankBazaar asks for fewer phone permissions but has recent complaints about cross-selling. OneScore replies to all negative reviews but faces complaints about credit report problems. See how they compare.
By Qrates research desk · 2026-10-27
Both BankBazaar and OneScore let you check your credit score on your phone for free. Each app holds over 1 crore installs on Google Play. BankBazaar asks for fewer phone permissions but has recent complaints about cross-selling, while OneScore replies to all negative reviews but faces 154 recent complaints about credit report problems.
Quick answer: BankBazaar vs OneScore
Both BankBazaar and OneScore let you check your credit score on your phone for free. Both apps have over 1 crore installs (Qrates directory).
We could not match a licence for either app on the RBI, SEBI, or IRDAI registers we check. This means they operate outside the direct regulatory rules that govern licensed banks and lenders. You can also compare these with other credit score apps to see how they stack up.
BankBazaar asks for location permissions and has recent complaints about users being pushed into things. OneScore asks for location and audio recording permissions and has a high number of complaints about credit report problems. For a broader look at safety, see our analysis of GoodScore vs OneScore: Permissions, complaints and safety facts (2026).
At a glance: BankBazaar and OneScore compared
This table compares the two apps using data from the Qrates directory.
| Feature | BankBazaar | OneScore |
|---|---|---|
| Publisher | A&A Dukaan Financial Services Private Limited | FPL Technologies Private Limited |
| Licence | We could not match one on the registers we check | We could not match one on the registers we check |
| Phone permissions | See your location | See your location, Record audio |
| Overall rating | 4.53 (from 1,44,858 ratings) | 4.54 (from 22,72,736 ratings) |
| Recent average rating | 3.67 | 2.09 |
| Top complaints | Credit report problems, Nobody answers, Pushed into things | Credit report problems, App breaks, Hard to leave |
App permissions and data privacy
BankBazaar limits its phone permissions to seeing your location (Qrates directory). It does not ask to access your microphone or camera.
OneScore asks for permission to see your location and to record audio (Qrates directory). The company states this microphone access is a one-time requirement for onboarding.
Neither app has a matched licence on the regulatory registers we check. RBI digital lending privacy rules do not directly cover apps without a matched licence on these registers. This means your data is handled under their private terms of service rather than direct RBI digital lending privacy rules. If you are concerned about app safety, you should always check if a loan app is RBI registered in 2026 before granting permissions.
Spam calls and cross-selling complaints
Users often worry about spam calls when giving their phone number to a credit score app. Credit score apps earn commissions from banks when users apply for loans or credit cards through their platforms.
In the last 90 days, 7 out of 385 BankBazaar reviews complained about being pushed into things (Qrates directory). This usually points to unwanted loan or credit card offers through calls or messages.
OneScore users did not list being pushed into things in their top three complaints. However, 23 out of 374 reviews mentioned the app is hard to leave (Qrates directory).
Credit report problems and the July 2026 RBI rules
Credit report problems are the most raised issue for both apps. We found 23 complaints for BankBazaar and 154 for OneScore in our recent samples (Qrates directory).
These apps act as agents to fetch your score from bureaus like CIBIL, Experian, or CRIF High Mark. Delays in updating this data often lead to users seeing outdated or incorrect scores on the app. For a wider comparison of these services, you might want to read our BankBazaar vs GoodScore vs Olyv: credit score and report apps compared.
The July 2026 RBI rules change how credit bureaus share data. These rules require stricter consent logs and faster error corrections when a user flags a wrong entry on a third-party app.
Who each one suits, by need
If limiting phone permissions matters to you, note that BankBazaar only asks to see your location. OneScore asks to record audio as well.
If getting a reply to a complaint matters to you, note that OneScore replies to 100 percent of one and two-star reviews. BankBazaar replies to 91 percent of these reviews (Qrates directory).
If recent app stability matters to you, note that BankBazaar has a recent review average of 3.67. OneScore has dropped to 2.09, with 24 recent complaints about the app breaking (Qrates directory).
You can check the latest complaint counts, app permissions, and licence status directly on the Qrates pages for BankBazaar and OneScore.
FAQs
Is OneScore safe to check CIBIL score?
Checking your own credit score on OneScore is a soft inquiry and does not reduce your score. We could not match an RBI registration for OneScore on the registers we check (Qrates directory).
Does checking credit score on BankBazaar reduce it?
No, checking your own credit score on credit score apps is a soft inquiry. It does not reduce your score.
OneScore app RBI registered hai ya nahi?
We could not match an RBI registration for OneScore on the registers we check. The app operates under its own private terms of service.
Why is BankBazaar CIBIL score different from OneScore?
Scores differ because apps pull data from different credit bureaus at different times. One app might show your Experian score while another shows your CIBIL or CRIF High Mark score.
BankBazaar se spam calls aate hai kya?
BankBazaar users do report being pushed into things in recent reviews (Qrates directory). This category of complaint can include promotional calls or messages for loans and credit cards.
How does OneScore make money?
Credit score apps earn commissions from banks when users apply for loans or credit cards through their platforms. They use your credit profile to show you targeted financial products.
Are BankBazaar and OneScore credit scores accurate?
Both apps fetch your actual score from official credit bureaus. However, credit report problems are the top complaint for both apps, often due to delays in updating the data on the app interface.
The short version
- Both apps provide free credit score checks but come with different trade-offs in permissions and user complaints.
- BankBazaar asks for fewer permissions but has complaints about cross-selling and users being pushed into things.
- OneScore replies to all negative reviews but asks to record audio and has a high number of recent complaints about credit report errors and app crashes.
- We could not match a licence for either app on the RBI, SEBI, or IRDAI registers we check.
Sources
- watch (youtube.com)
- BankBazaar review: charges, licences and safety | Qrates
- OneScore review: charges, licences and safety | Qrates
- details (play.google.com)
- Privacy Commitment - BankBazaar.com
- How Does BankBazaar Work?
- New CIBIL Score Rule 2026: What RBI's Update Means
- RBI Ends 'Buyer Beware': New Rules Against Mis-Selling, Dark Patterns & Forced Bundling | NovaRock Advisory
Disclaimer
Qrates is an information directory. It takes no commission from any company listed and does not recommend products. Figures are taken from the sources named and dated, and they change; check the company's own page before you decide. This is not investment, credit, insurance or tax advice for your situation.