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First 90 Days in Canada: Essential Guide for New Migrants

Moving to a new country can be challenging, especially in the first few months. Canada offers a wealth of opportunities, but settling in requires understanding the local systems. This guide outlines the essential steps to take during your first 90 days in Canada, focusing on registration, banking, healthcare, housing, and local IDs.

The first 90 days in Canada involve essential steps like registering for healthcare, opening a bank account, finding housing, and obtaining local identification.

Last updated 2026-10-30

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Getting Started in Canada

When you arrive in Canada, the first few days are critical for setting up your new life. Understanding the local systems and requirements can ease your transition. From registering for healthcare to finding a place to live, each step is vital for your settlement journey.

Registration for Healthcare

One of the first things you should do is register for the provincial healthcare system. Each province has its own health insurance plan. You typically need to provide proof of residency, identification, and, in some cases, immigration documents. Coverage may not start immediately, so consider getting temporary health insurance until your provincial plan kicks in.

Opening a Bank Account

Setting up a bank account is essential for managing your finances in Canada. Most banks require two pieces of identification, one of which must include your photo. You can choose between various account types, such as checking or savings accounts. Look for accounts that offer low fees and features that suit your needs. Many banks also provide newcomer packages that include special offers.

Finding Housing

Finding a place to live can be one of the most challenging aspects of settling in Canada. Start by determining your budget and preferred location. Websites, local classifieds, and social media groups can help you find rental listings. Consider short-term rentals or staying with friends or family while you search for a more permanent home. Be prepared to provide references and proof of income when applying for rentals.

Obtaining Local Identification

Having a local ID is important for various activities, including opening a bank account and accessing services. You can apply for a provincial driver's license or a government-issued ID card. Requirements vary by province, but generally, you will need to provide proof of residency and identification documents.

Additional Steps to Consider

Employment Insurance and Social Services

If you are looking for work, you may want to apply for Employment Insurance (EI) benefits if you qualify. learn about local social services that offer support for newcomers, including language classes and job placement services.

Community Involvement

Getting involved in your local community can help you settle in more comfortably. Look for community centers, cultural associations, or local events where you can meet people and learn more about Canadian culture.

Understanding Canadian Culture

Take time to learn about Canadian customs and social norms. Understanding cultural nuances can enhance your integration experience and help you build relationships with locals.

Conclusion

The first 90 days in Canada are important for establishing your new life. By focusing on healthcare, banking, housing, and identification, you can create a solid foundation for your future in Canada. Remember to seek out local resources and support networks to help you navigate this transition successfully.

How it works

  1. Register for provincial healthcare upon arrival.
  2. Open a bank account with required identification.
  3. Search for housing options that fit your budget.
  4. Apply for local identification such as a driver's license or ID card.

Who this helps

  • New immigrants to Canada
  • Temporary residents
  • Refugees and asylum seekers

Examples

Maria's Journey: From Arrival to Settling In

Maria arrived in Toronto with her family. Within her first week, she registered for healthcare, opened a bank account, and started looking for housing. By the end of her first month, she found a rental apartment and enrolled her children in school.

Ali's Experience with Local Services

Ali moved to Vancouver and quickly sought out local services for newcomers. He attended workshops on job searching and language skills, which helped him integrate into the community.

Fatima's Housing Search

Fatima arrived in Calgary and faced challenges finding affordable housing. She used local Facebook groups to connect with landlords and eventually secured a suitable apartment.

In this section

Address registration in CanadaLocal registration or residency address steps after landing. Focused on Canada newcomers.Tax ID / national number in CanadaSSN, NI number, SIN, Steuer-ID, or Emirates ID pathway for newcomers. Focused on Canada newcomers.Open a bank account in CanadaNewcomer and resident banking options when proof of address is limited. Focused on Canada newcomers.Phone and eSIM in CanadaGet a local number banks and government portals will accept. Focused on Canada newcomers.Housing without local credit in CanadaTemporary stays, guarantors, deposits, and first lease tactics. Focused on Canada newcomers.Healthcare registration in CanadaGP/NHS, provincial health card, insurance waiting periods, and clinics. Focused on Canada newcomers.Driving licence in CanadaExchange windows, IDP use, and local tests — see also /driving/. Focused on Canada newcomers.Build local credit in CanadaSecured cards, reporting history, and avoiding common newcomer traps. Focused on Canada newcomers.Right to work and payroll in CanadaWork authorization checks, tax codes, and first payslip setup. Focused on Canada newcomers.School and childcare in CanadaEnrolment timelines, catchment rules, and international school waitlists. Focused on Canada newcomers.Stuck: no address for bank in CanadaUnblock the closed loop when banks demand a lease you cannot get yet. Focused on Canada newcomers.Week 1 checklist in CanadaDay-by-day first week after landing for this destination. Focused on Canada newcomers.

Frequently Asked Questions

You can register for healthcare by visiting your provincial health department's website or office. You will need proof of residency and identification.

Typically, you need two forms of identification, one of which must include your photo. Check with the bank for specific requirements.

You can search for housing through online listings, local classifieds, and community groups. Consider short-term rentals while you look for something permanent.

To obtain a local ID, visit your province's licensing authority with proof of residency and identification. Requirements may vary by province.

Yes, many community organizations offer support for newcomers, including language classes, job placement services, and social events.

Sources

  • Government of Canada - Immigration and Citizenship
  • Canada Health Infoway

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