Moving to Toronto is exciting, but the first weeks can feel like a long list of offices, forms and decisions. Whether you are arriving from another country or another province, this checklist walks through the essentials in a sensible order, so you can settle in faster and avoid common mistakes.

Before you arrive

A little preparation saves a lot of stress once you land at Pearson or Union Station.

• Gather originals and copies of identity documents, immigration papers (if applicable), diplomas and driving records.
• Ask your current bank whether it has a Canadian partner bank or can provide a reference letter.
• Request a letter from your insurer about your claims history if you plan to drive; it can help with car insurance quotes.
• Research neighbourhoods and commute times before signing any lease.
• Plan for the season: arriving between November and March means you will need winter clothing quickly.

Week one: the key government steps

Get your Social Insurance Number (SIN)

You need a SIN to work in Canada and to access government programs and benefits. Service Canada issues it, and you can apply online or in person. Official instructions and eligibility details are on the Government of Canada SIN page. Keep your SIN private and only share it when legally required, such as with your employer or bank for tax purposes.

Apply for an Ontario health card (OHIP)

The Ontario Health Insurance Plan covers medically necessary services for eligible residents. You apply in person at a ServiceOntario centre with proof of citizenship or immigration status, proof of residency in Ontario and identity documents. Eligibility rules depend on your status, so check them before your appointment. Consider private or travel insurance to cover any gap until your coverage starts.

Exchange or apply for a driver’s licence

If you plan to drive, Ontario has rules for exchanging licences from other provinces and certain countries, and a graduated licensing system for new drivers. Contact ServiceOntario or DriveTest for the process that applies to you. Many Toronto residents do not drive at all and rely on transit, cycling and car-sharing.

For a list of provincial services you will use again and again, bookmark our guide to online services every Ontario resident should know.

Banking and credit

Opening a Canadian bank account early makes everything else easier: rent, payroll and phone plans all expect one. Most major banks offer newcomer packages. Bring your passport, immigration documents if applicable, and proof of address.

Building a Canadian credit history takes time. A secured credit card or a basic card used responsibly and paid in full each month is a common starting point. Our explainer on how APR and interest work in Canada helps you avoid expensive mistakes.

Finding a place to live

Housing is often the biggest challenge in Toronto. Practical tips:

• Compare neighbourhoods by commute, not just rent. Living near a subway station can save time and money.
• Never send a deposit for a unit you have not seen in person or by live video with a verified landlord.
• In Ontario, most residential leases must use the provincial standard lease form.
• Landlords can ask for a rent deposit, but rules limit what they can collect. Read your lease carefully.
• Budget for tenant insurance, which many landlords require.

To plan your budget realistically, see our breakdown of the cost of living in Toronto.

Getting around

Toronto’s public transit is run by the TTC (subway, streetcars and buses), while GO Transit connects the city to the wider GTA. A PRESTO card or a contactless credit or debit card lets you tap on most services. Learn the main routes in your first week; it makes job hunting and apartment visits far easier.

Work and income

Once you have a SIN, you can start working. Ontario sets a general minimum wage that is reviewed each year; check the current rate in our Ontario minimum wage guide. Ask employers whether your foreign credentials need to be assessed, as some regulated professions require licensing in Ontario.

Taxes in Canada

Canada’s tax year follows the calendar year, and most people file a return each spring. Even with little or no income, filing can make you eligible for benefits and credits. Newcomers can find guidance on the Canada Revenue Agency website.

Preparing for your first winter

Toronto winters are cold, with snow and icy sidewalks, though milder than many other Canadian cities. Invest in:

• a warm, waterproof coat and insulated boots with good grip;
• a hat, gloves and scarf;
• winter tires if you drive.

Indoor options such as the PATH, the underground walkway network downtown, make winter commuting easier.

Building a social life

Join community centres, libraries and local groups. Toronto Public Library cards are free for residents and give access to books, programs and newcomer services. Settlement agencies across the city also run free workshops on jobs, housing and language.

Frequently asked questions

What should I do first after moving to Toronto?

Apply for your SIN, open a bank account and apply for OHIP, ideally in your first week or two.

Can I use my foreign driver’s licence in Ontario?

Visitors can usually drive for a limited period with a valid licence, but new residents must follow Ontario’s exchange or licensing rules. Check with ServiceOntario or DriveTest.

Do I need a car in Toronto?

Not necessarily. Many residents live close to transit and use the TTC, GO Transit, bikes and car-sharing.

Is OHIP free?

There is no premium to enrol, but you must meet eligibility requirements, and some services such as most dental care and prescription drugs for adults are not covered by OHIP.