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Newcomer Essentials

Your first months in Canada, sorted.

From your SIN and first bank account to building credit history from zero — the practical setup every newcomer needs to feel financially settled in Canada.

Articles in newcomer essentials

Newcomer Essentials7 min read

How Credit History Works in Canada from Day One

You arrive in Canada with no credit history, even if you had perfect credit back home. Here's exactly what to do in your first 90 days to start building.

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March 12, 2025

Newcomer Essentials8 min read

TFSA vs RRSP as a Newcomer: Which Comes First?

Both accounts get tossed at you the moment you open a bank account. Here's a plain-English breakdown of which one actually fits your situation.

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February 28, 2025