{"id":8327,"date":"2026-05-12T08:10:41","date_gmt":"2026-05-12T12:10:41","guid":{"rendered":"https:\/\/montrealtips.com\/newcomer-30-day-checklist\/"},"modified":"2026-05-12T08:10:41","modified_gmt":"2026-05-12T12:10:41","slug":"newcomer-30-day-checklist","status":"publish","type":"page","link":"https:\/\/montrealtips.com\/fr\/newcomer-30-day-checklist\/","title":{"rendered":"Newcomer to Montreal: 30-Day Settlement Checklist"},"content":{"rendered":"\n<div class=\"mtl-tool\" id=\"mtl-nc\"><style>.mtl-tool{font-family:-apple-system,BlinkMacSystemFont,\"Segoe UI\",Roboto,sans-serif;color:#1a1a1a;max-width:760px;margin:24px auto;line-height:1.55}.mtl-tool .mtl-card{background:#f7f9fc;border:1px solid #e3e8ef;border-radius:14px;padding:24px 26px}.mtl-tool h2.mtl-h{margin:0 0 6px;font-size:22px;color:#0b1f3a}.mtl-tool .mtl-sub{margin:0 0 18px;color:#475569;font-size:14px}.mtl-tool .mtl-progress{background:#e3e8ef;border-radius:8px;height:10px;margin:14px 0;overflow:hidden}.mtl-tool .mtl-progress-bar{background:#16a34a;height:100%;transition:width .3s;width:0}.mtl-tool .mtl-progress-text{font-size:13px;color:#475569;text-align:right;margin-top:4px}.mtl-tool .mtl-section{background:#fff;border-radius:10px;padding:14px 16px;margin-bottom:10px;border:1px solid #e3e8ef}.mtl-tool .mtl-section h4{margin:0 0 8px;font-size:15px;color:#d8232a}.mtl-tool .mtl-item{display:flex;align-items:flex-start;gap:10px;padding:6px 0;cursor:pointer;font-size:14px}.mtl-tool .mtl-item input{margin-top:2px;flex-shrink:0}.mtl-tool .mtl-item.done span{text-decoration:line-through;color:#94a3b8}.mtl-tool .mtl-btn{background:#d8232a;color:#fff;border:0;padding:10px 18px;border-radius:8px;font-weight:600;cursor:pointer;font-size:14px;margin-top:10px}.mtl-tool .mtl-btn-reset{background:#64748b}<\/style><div class=\"mtl-card\"><h2 class=\"mtl-h\">&#x1f6ec; Newcomer to Montreal \u2014 30-Day Checklist<\/h2><p class=\"mtl-sub\">35 tasks to get settled in Montreal, in order. Tick as you go \u2014 saved in your browser.<\/p><div class=\"mtl-progress\"><div class=\"mtl-progress-bar\" id=\"mtl-nc-bar\"><\/div><\/div><div class=\"mtl-progress-text\"><span id=\"mtl-nc-done\">0<\/span> \/ 35 done<\/div><div id=\"mtl-nc-list\"><\/div><button class=\"mtl-btn mtl-btn-reset\" id=\"mtl-nc-reset\">Reset checklist<\/button><\/div><script>\n(function(){\nvar SECTIONS=[\n{t:'Day 1\u20133 \u2014 Critical (don\\'t leave airport without)',i:['Pick up the Welcome Booklet at airport YUL (free, includes SIM offers)','Convert some cash at the airport currency exchange (small amounts only \u2014 Canadian banks have better rates)','Download essential apps: STM, Info-Neige, BIXI, Transit, P-Mtl (parking)','Buy a Canadian SIM card or eSIM (Fizz, Public Mobile = cheapest)','Confirm temporary accommodation has WiFi for online forms']},\n{t:'Week 1 \u2014 Government IDs (do in this exact order)',i:['Apply for a Social Insurance Number (SIN) at Service Canada \u2014 free, same-day','Open a Canadian bank account (TD, RBC, BMO, Scotia, Desjardins \u2014 bring passport + study\/work permit + SIN)','Register for a RAMQ health card (3-month wait for federal newcomers; free private insurance plan recommended in interim)','Get a Quebec OPUS card with photo (free, $14 monthly pass eligibility) at Berri-UQAM','Apply for Service Quebec account (clicS\u00c9QUR) for online government services']},\n{t:'Week 2 \u2014 Housing & address-linked',i:['Sign a lease (verify Section G \u2014 see our Form F checker)','Set up Hydro-Qu\u00e9bec account (call 1-888-385-7252, 5 days advance)','Set up internet (Fizz, Bell, Vid\u00e9otron \u2014 Fizz cheapest at $35\/month)','Set up tenant insurance ($15\u2013$30\/month \u2014 many landlords require proof)','Change address with bank, employer, school']},\n{t:'Week 3 \u2014 Settling in',i:['If driving: exchange your foreign license at SAAQ (some countries have direct swap; others need theory + road test)','Find a family doctor (call CLSC for unattached patients list)','Register kids in school (CSDM, EMSB, or EMSB equivalent \u2014 call ahead, English schooling requires Bill 101 eligibility)','Buy adapter for European\/UK plugs (Canada uses 120V, type A\/B)','Look into French class \u2014 francisation is free for newcomers (mifi.gouv.qc.ca)']},\n{t:'Week 4 \u2014 Finances',i:['Build credit: apply for a no-fee credit card with low limit (most banks offer newcomer cards)','Apply for the Canada Child Benefit (CCB) if you have kids \u2014 up to $7,997\/year per child','Open a TFSA (tax-free savings account) \u2014 contribution room starts year of arrival','File a tax return next April even with 0 income \u2014 unlocks credits like GST\/HST credit ($500\/year)','Get a library card at any BAnQ branch (free, gives access to libraries citywide + free museums passes)']},\n{t:'Quality-of-life essentials',i:['Sign up for Costco ($65\/year \u2014 saves on weekly groceries)','Join March\u00e9 Jean-Talon WhatsApp lists for produce deals (in-season)','Set up Hilo or Hydro winter alerts','Download the V\u00e9lo Qu\u00e9bec app + plan first BIXI ride','Find your local \u00e9co-centre (electronics + paint disposal)']},\n{t:'Within 6 months',i:['Get permanent driver\\'s license (after 1-year residency for many countries)','Renew RAMQ health card (after activation, 4-year renewal)','Submit application for Canadian\/Quebec residency papers if applicable','Vote registration with Elections Quebec (citizens only)','Find a dentist + book first checkup (private \u2014 Quebec\\'s public dental coverage is limited)']}\n];\nvar key='mtl-nc-checklist-v1';\nvar saved=(function(){try{return JSON.parse(localStorage.getItem(key))||{};}catch(e){return {};}})();\nvar list=document.getElementById('mtl-nc-list');\nvar idx=0;\nSECTIONS.forEach(function(s){\nvar div=document.createElement('div');div.className='mtl-section';\ndiv.innerHTML='<h4>'+s.t+'<\/h4>';\ns.i.forEach(function(text){\nvar id='mtl-nc-'+idx;idx++;\nvar lab=document.createElement('label');lab.className='mtl-item';\nvar inp=document.createElement('input');inp.type='checkbox';inp.id=id;inp.checked=!!saved[id];\nif(saved[id]) lab.classList.add('done');\nvar sp=document.createElement('span');sp.textContent=text;\nlab.appendChild(inp);lab.appendChild(sp);\ninp.addEventListener('change',function(){saved[id]=inp.checked;try{localStorage.setItem(key,JSON.stringify(saved));}catch(e){}lab.classList.toggle('done',inp.checked);update();});\ndiv.appendChild(lab);\n});\nlist.appendChild(div);\n});\nfunction update(){\nvar total=document.querySelectorAll('.mtl-item input').length;\nvar done=document.querySelectorAll('.mtl-item input:checked').length;\ndocument.getElementById('mtl-nc-bar').style.width=(done\/total*100)+'%';\ndocument.getElementById('mtl-nc-done').textContent=done;\n}\ndocument.getElementById('mtl-nc-reset').addEventListener('click',function(){if(confirm('Reset?')){try{localStorage.removeItem(key);}catch(e){}document.querySelectorAll('.mtl-item input').forEach(function(i){i.checked=false;i.parentElement.classList.remove('done');});update();}});\nupdate();\n})();\n<\/script><\/div><h2>How to settle in Montreal in 30 days<\/h2><p><strong>Quick answer:<\/strong> The 5 most critical first-week tasks for any newcomer to Montreal are <strong>(1) Social Insurance Number (SIN), (2) bank account, (3) RAMQ health card application, (4) cell phone\/SIM, (5) Canadian credit card<\/strong>. Without these you can&#8217;t sign a lease, get paid, or access healthcare. Do them in order \u2014 each requires the previous.<\/p><h3>The 3-month RAMQ wait \u2014 what to do<\/h3><p>Federal economic immigrants (PR, work permit) face a <strong>3-month waiting period<\/strong> for RAMQ coverage. International students and refugee claimants are covered immediately. During the wait, buy private health insurance ($60\u2013$150\/month) \u2014 Croix Bleue, Sun Life, and Manulife offer newcomer plans. Without coverage, an ER visit can cost $1,000+.<\/p><h3>French class is free \u2014 and pays you<\/h3><p>Quebec&#8217;s francisation program (mifi.gouv.qc.ca) offers free French courses for newcomers, plus a <strong>$220\/week stipend<\/strong> for full-time learners. 30-week programs at MIFI-approved schools across Montreal. Even working professionals can take part-time evening classes.<\/p><h3>Schools and Bill 101 \u2014 what English schooling requires<\/h3><p>Under Bill 101, English schools in Quebec are restricted: children whose parent received English education in Canada are eligible. Newcomers without that history must enroll in French schools (CSSDM, Centre de service scolaire de Montr\u00e9al). Private English schools (Sacred Heart, Selwyn House) are exempt but cost $20,000\u2013$30,000\/year.<\/p><h3>Tax tip newcomers always miss<\/h3><p>File a tax return your first year in Canada <strong>even if you earned $0<\/strong>. It unlocks: \u00fd GST\/HST credit ($500\/year), Quebec solidarity credit ($1,300\/year), Canada Child Benefit if you have kids. Use a free clinic in your first year (CRA Community Volunteer Tax Program) if income is low.<\/p><h2>Newcomer to Montreal FAQ<\/h2><h3>How long does it take to get a SIN in Canada?<\/h3><p>A Social Insurance Number is issued <strong>same-day<\/strong> at any Service Canada office. Bring your passport plus work permit, study permit, or PR card. Free. The downtown Service Canada at Complexe Guy-Favreau (1010 Ren\u00e9-L\u00e9vesque) accepts walk-ins.<\/p><h3>How do I get a RAMQ health card as a newcomer?<\/h3><p>Register with R\u00e9gie de l&#8217;assurance maladie du Qu\u00e9bec (RAMQ) within your first 3 months. For PR holders and work permit holders, coverage starts <strong>after a 3-month waiting period<\/strong>. Register at ramq.gouv.qc.ca or in person at a RAMQ office. Bring passport, immigration document, lease, and a Quebec address.<\/p><h3>Which is the best bank for newcomers in Canada?<\/h3><p>All Big 5 banks offer newcomer accounts with no monthly fees for the first year and access to credit cards without a Canadian credit history. <strong>RBC and Scotiabank<\/strong> are most active in newcomer marketing. <strong>Desjardins<\/strong> (Quebec credit union) is well-located in Montreal with a strong newcomer program. <strong>Tangerine<\/strong> is the best no-fee online option after you&#8217;re settled.<\/p><h3>Can I drive in Quebec with my foreign license?<\/h3><p>Yes, for <strong>up to 6 months<\/strong>. After that, you need a Quebec license. Some countries (France, Belgium, Switzerland, Japan, South Korea, Austria, Germany, UK, Taiwan, US states with reciprocity) allow direct exchange without a road test. Others require the full theory + road test. Check saaq.gouv.qc.ca\/exchange.<\/p><h3>How do I get my kids into school in Montreal?<\/h3><p>Contact your local school service center (CSSDM for French, EMSB for English). Most newcomer children attend French schools under Bill 101 unless they have a parent who received English education in Canada. Welcome classes (classes d&#8217;accueil) help non-French-speaking kids transition. Registration is free for residents.<\/p><h3>What&#8217;s the cheapest phone plan in Montreal?<\/h3><p><strong>Fizz<\/strong> (a Vid\u00e9otron subsidiary) offers Canada-wide plans from $20\/month with 5 GB data. Public Mobile and Lucky Mobile are similar. The Big 3 (Rogers, Bell, Telus) start around $45\/month. All accept eSIM. You can sign up online and use immediately without a Canadian credit card (Fizz accepts foreign cards).<\/p><h3>What documents should I bring to Montreal as a newcomer?<\/h3><p>Bring originals + 5 copies of: passport, work\/study\/PR permit, birth certificate, marriage certificate (if applicable), reference letters from previous employers, university transcripts (notarized), driver&#8217;s license, vaccination records, and your most recent tax return from home country. Translate non-French\/English documents via a certified translator.<\/p><h2>Related Montreal tools<\/h2><ul><li><a href=\"\/lease-form-f-checker\/\">Quebec Lease (Form F) Checker<\/a><\/li><li><a href=\"\/quebec-income-tax-calculator\/\">Quebec Income Tax Calculator<\/a><\/li><li><a href=\"\/french-level-self-test\/\">French Level Self-Test<\/a><\/li><li><a href=\"\/neighborhood-match-quiz\/\">Neighborhood Match Quiz<\/a><\/li><\/ul><p style=\"font-size:13px;color:#64748b;margin-top:30px\">Sources: Service Canada, RAMQ, MIFI Qu\u00e9bec, SAAQ. Last updated May 2026. Information for general orientation only \u2014 verify each program on its official website.<\/p><script type=\"application\/ld+json\">\n{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[\n{\"@type\":\"Question\",\"name\":\"How long does it take to get a SIN in Canada?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A Social Insurance Number is issued same-day at any Service Canada office. Bring your passport plus work permit, study permit, or PR card. The application is free. The downtown Service Canada at Complexe Guy-Favreau (1010 Ren\u00e9-L\u00e9vesque) accepts walk-ins.\"}},\n{\"@type\":\"Question\",\"name\":\"How do I get a RAMQ health card as a newcomer to Quebec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Register with R\u00e9gie de l'assurance maladie du Qu\u00e9bec (RAMQ) within your first 3 months. For permanent residents and work permit holders, coverage starts after a 3-month waiting period. Register at ramq.gouv.qc.ca or in person. Bring passport, immigration document, lease and a Quebec address.\"}},\n{\"@type\":\"Question\",\"name\":\"Which is the best bank for newcomers in Canada?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"All Big 5 banks offer newcomer accounts with no monthly fees for the first year and credit cards without Canadian credit history. RBC and Scotiabank are most active in newcomer marketing. 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