How to Open a Bank Account as a Newcomer in Toronto
Which Canadian banks welcome newcomers and what you need.
Action checklist
Complete these steps in order for the fastest, safest setup.
1TD and RBC: both have newcomer programs with 6–12 months free banking
2Bring passport + work/study permit + proof of address
3SIN not required initially — but must provide within 90 days
4Activate Interac e-Transfer immediately — used for rent and bill splitting
City context: Dubai
These steps are tailored for newcomers in Dubai. Costs, availability, and requirements may differ in other cities — switch the city selector above to switch context.