Setting Up the Essentials in Montreal: Bank Account, Mobile Plan & SIN
When you arrive in Montreal — whether as a student, worker, refugee, or permanent resident — there are a few key things you’ll want to set up in your first week: a bank account, a mobile phone plan, and your Social Insurance Number (SIN). These are the basics that allow you to get paid, stay connected, and access government services. This article breaks each one down so you can get it done quickly and efficiently.
🏦 1. Opening a Bank Account in Montreal
Opening a local bank account is essential for receiving paycheques, paying rent, and avoiding costly foreign transaction fees. Thankfully, Canada’s banking system is well-organized, and most major banks have newcomer programs.
🏛️ Major Banks in Canada:
RBC (Royal Bank of Canada)
BMO (Bank of Montreal)
Scotiabank
TD Canada Trust
CIBC
National Bank of Canada (especially popular in Quebec)
🧾 Documents You’ll Need:
Passport or government-issued ID
Study or work permit / COPR (Confirmation of Permanent Residence)
Proof of address (temporary accommodation lease, hotel invoice, etc.)
SIN (optional but helpful , see below)
🆓 Newcomer Perks:
Many banks offer:
No-fee accounts for 6–12 months
Free international transfers
Credit cards with no Canadian credit history
Multilingual staff
Tip: Book an appointment in advance online or by phone.
💳 Credit Cards for Newcomers
Look for secured credit cards or credit builder cards
Can help build a credit score within a few months
Some offer cashback or grocery rewards
📱 2. Getting a Canadian Mobile Plan
You’ll need a Canadian phone number for everything — banking, job applications, apartment hunting, even food delivery. Here’s how to choose a mobile provider that fits your needs.
Major Mobile Providers in Canada:
Bell, Rogers, Telus (largest networks, more expensive)
Fido, Virgin Plus, Koodo (mid-range, often same networks)
Public Mobile, Freedom Mobile, Fizz (cheaper, prepaid options)
🧾 What You Need to Bring:
Passport or government-issued ID
Canadian address (can be temporary)
Debit or credit card (some accept cash)
📦 Types of Plans:
Prepaid Plans: No contract, great for short stays or tight budgets
Postpaid Plans: Monthly bill, sometimes includes free phone
📶 Data & Cost in 2025:
Plan TypePrice Range (Monthly)Data IncludedGood ForPrepaid$20 – $40 CAD1 – 10 GBStudents, temp visitorsPostpaid$45 – $80 CAD10 – 50 GBWorkers, families
Tip: Fizz (Quebec-only) offers flexible and affordable prepaid plans, with no credit check.
📇 3. Applying for Your Social Insurance Number (SIN)
Your SIN is a 9-digit number that allows you to legally work in Canada and access government programs like healthcare, benefits, and taxes.
🧾 Documents You Need:
Passport
Study or Work Permit (or COPR if you’re a permanent resident)
🏢 Where to Apply:
Service Canada Centres (you can walk in or book online)
Online via the official government portal: https://www.canada.ca/en/employment-social-development/services/sin.html
🕒 Processing Time:
In-person: usually same-day
Online: 5–10 business days
❗ Important:
Do not share your SIN except with employers, banks, or government
Be wary of scams — no official agency will ask for your SIN by email or phone
Final Thoughts
It may feel overwhelming at first, but Montreal is well-equipped for newcomers. With a bit of preparation and this checklist in hand, you’ll be set up and ready to start your new life within just a few days. Prioritize these three essentials and the rest will fall into place.
Need help comparing plans or choosing a bank? We’ll soon be publishing tools and resources right here to help you decide.
