{"id":80504,"date":"2023-12-13T18:16:48","date_gmt":"2023-12-13T23:16:48","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/?post_type=rbc_my_money_matter&#038;p=80504"},"modified":"2024-01-31T15:05:53","modified_gmt":"2024-01-31T20:05:53","slug":"a-financial-toolkit-for-your-first-year-as-a-newcomer-to-canada","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/new-to-canada\/banking-in-canada\/a-financial-toolkit-for-your-first-year-as-a-newcomer-to-canada\/","title":{"rendered":"A Financial Toolkit for Your First Year as a Newcomer to Canada"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/new-to-canada\/\">\n\t\t\t\t\t\t\t<span>New to Canada<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">A Financial Toolkit for Your First Year as a Newcomer to Canada<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By RBC<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/12\/Financial-toolkit-for-the-first-year.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Closeup portrait, young cheerful, joyful, smiling, gorgeous woman holding up keys to her first new car.\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/12\/Financial-toolkit-for-the-first-year.jpg 2048w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/12\/Financial-toolkit-for-the-first-year.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/12\/Financial-toolkit-for-the-first-year.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/12\/Financial-toolkit-for-the-first-year.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/12\/Financial-toolkit-for-the-first-year.jpg?resize=1536,1024 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=A Financial Toolkit for Your First Year as a Newcomer to Canada &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/new-to-canada\/banking-in-canada\/a-financial-toolkit-for-your-first-year-as-a-newcomer-to-canada\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/new-to-canada\/banking-in-canada\/a-financial-toolkit-for-your-first-year-as-a-newcomer-to-canada\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published December 13, 2023 \u2022 14 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>As a newcomer to Canada, your financial requirements may be different from those of long-term residents.<\/p>\n\n\n\n<p>In your initial year in Canada, you may find that your financial needs are basic. However, as you establish yourself in Canada, your financial requirements will grow in alignment with your goals. We&#8217;ve crafted a comprehensive financial checklist for newcomers to Canada, which includes all the banking and financial products you may need in your first year here.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Banking checklist for your first week in Canada<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>Chequing account in Canada<\/h3>\n\n\n\n<p>A <a href=\"https:\/\/www.rbcroyalbank.com\/accounts\/chequing-accounts.html\" data-dig-id=\"LP-80504-6fe3d439\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"chequing account\" class=\"rbc-link-format\">chequing account<\/a> is indispensable for daily financial transactions in Canada. This will typically be the first Canadian bank account you open. It will serve as your primary account for receiving your salary and making bill payments. Funds in this account do not accrue interest but chequing accounts usually offer unlimited transactions, making them ideal for your day-to-day spending and transactions. Chequing accounts may come with a monthly fee, which can be waived under certain conditions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>When to open a chequing account<\/h3>\n\n\n\n<p>You should <a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/new-to-canada\/newcomers\/\" target=\"_blank\" data-dig-id=\"LP-80504-6d2e3400\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"get a chequing account\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">get a chequing account<\/a> during your first week in Canada. Depending on which country you\u2019re from and the bank you choose, you may be eligible to begin the account opening process virtually as early as three months before your arrival in Canada.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>Debit card<\/h3>\n\n\n\n<p>A debit card, usually linked to your chequing account, serves as a payment card for transactions. When you use your debit card to make a purchase, the amount is debited from your chequing account immediately, and so debit card payments are considered equivalent to cash. You can also use your debit card to withdraw cash from an Automatic Teller Machine (ATM). Many websites do not accept debit cards for online payments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>When to get a debit card<\/h3>\n\n\n\n<p>You&#8217;ll likely receive this card when you set up or activate your newcomer banking account. The card will be ready for immediate use.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>Credit card<\/h3>\n\n\n\n<p>A credit card is a payment card that allows you to make purchases with credit or funds borrowed from your financial institution. Credit cards typically have a billing cycle of 28 to 31 days, as well as a 21-day interest-free grace period. To avoid high-interest charges, you must repay the funds you borrow within this period. As a newcomer, establishing a credit history in Canada is crucial, and applying for a credit card is the initial step toward starting your credit history.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>When to get a credit card in Canada<\/h3>\n\n\n\n<p>You should apply for a credit card as soon as you have an active Canadian chequing account, as it may take a week or two for delivery.<\/p>\n\n\n\n<p>Typically, eligibility for a credit card is determined based on the applicant\u2019s credit history. However, some institutions offer specialized newcomer credit cards that you may qualify for without an existing <a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/new-to-canada\/banking-in-canada\/building-a-strong-credit-history-in-canada-a-guide-for-newcomers\/\" data-dig-id=\"LP-80504-5af50b78\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Canadian credit history\" class=\"rbc-link-format\">Canadian credit history<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>Savings account<\/h3>\n\n\n\n<p>A <a href=\"https:\/\/www.rbcroyalbank.com\/accounts\/savings-accounts.html\" data-dig-id=\"LP-80504-cbd54efe\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"savings account\" class=\"rbc-link-format\">savings account<\/a> is a perfect tool for short-term financial planning, such as saving for an emergency fund or a vacation. These accounts generally offer limited transactions without fees but may have penalties for exceeding these limits. You will earn interest on savings in these accounts and can withdraw these funds at any time.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>When to open a savings account in Canada<\/h3>\n\n\n\n<p>Newcomers can <a href=\"https:\/\/www.rbcroyalbank.com\/accounts\/e-savings.html\" data-dig-id=\"LP-80504-50ef5243\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"open savings accounts\" class=\"rbc-link-format\">open savings accounts<\/a> as soon as they arrive in Canada. Some newcomers may bring savings from back home while others might want to set aside a portion of their Canadian income, after expenses, for short-term financial goals.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>Financial products for your initial six months in Canada<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>Tenant insurance<\/h4>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/home-insurance\/tenant-insurance.html\" data-dig-id=\"LP-80504-9096e69c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Tenant insurance\" class=\"rbc-link-format\">Tenant insurance<\/a> (also called renter\u2019s insurance) safeguards you and your landlord against unexpected incidents such as accidental property damage, fire, theft, and more. This policy insures your belongings, the landlord\u2019s property, and helps cover your living expenses while repairs are being made to the rented property after an insured claim. When you purchase renter\u2019s insurance, you pay a monthly premium for the duration of your lease.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>When to get renter\u2019s insurance<\/h4>\n\n\n\n<p>Tenant insurance is often mandatory before leasing a property in Canada. You may need to provide insurance details to the landlord before moving into a rental home.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>Injury and illness insurance<\/h4>\n\n\n\n<p>This is supplemental (optional) insurance to cover certain health expenses not covered by provincial health plans, such as vision, dental, and prescription drugs. You may also want to get <a href=\"https:\/\/www.rbcinsurance.com\/health-insurance\/disability-insurance.html\" data-dig-id=\"LP-80504-0a37fbd0\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"disability insurance\" class=\"rbc-link-format\">disability insurance<\/a> to protect your income in case you\u2019re unable to work because of an accident, illness, or disability.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>When to get injury or illness insurance<\/h4>\n\n\n\n<p>You should <a href=\"https:\/\/www.rbcinsurance.com\/injury-illness-insurance-coverage\/index.html\" data-dig-id=\"LP-80504-d5ae3740\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"purchase private injury or illness insurance\" class=\"rbc-link-format\">purchase private injury or illness insurance<\/a> after reviewing your provincial coverage as well as the group health insurance offered by your employer to ensure you&#8217;re safeguarded against high medical costs. In Ontario and Manitoba, international students may need comprehensive supplemental insurance, as they aren\u2019t typically covered under provincial health insurance.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>Saving plans for your first six months in Canada<\/h4>\n\n\n\n<p>As a newcomer, it\u2019s never too early to start saving for your future goals, such as purchasing a home in Canada, funding your children\u2019s education, or your retirement. Here are some popular savings plans you can leverage during your initial six months in Canada:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>Tax-Free Savings Account (TFSA)<\/h4>\n\n\n\n<p>A <a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/new-to-canada\/investing-in-canada\/#investment-accounts\" target=\"_blank\" data-dig-id=\"LP-80504-5917d5d2\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Tax-Free Savings Account\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Tax-Free Savings Account<\/a> is a registered account that allows residents of Canada to grow their savings tax-free. Returns on investments held in your TFSA, including interest, dividends, and capital gains, are non-taxable. The Government of Canada determines what the annual contribution limit is each year, and any unused room carries over to the following year. You can keep a wide range of financial products in your registered TFSA account, including <a href=\"https:\/\/www.rbcroyalbank.com\/investments\/gics.html\" data-dig-id=\"LP-80504-becc1938\" data-dig-label=\"Guaranteed Investment Certificates (GICs)\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">Guaranteed Investment Certificates (GICs)<\/a>, stocks, ETFs, mutual funds, and bonds. When to open a TFSA<\/p>\n\n\n\n<p>If you\u2019re a new Canadian permanent resident, you can open a Tax-Free Savings Account with RBC any time after you arrive in Canada. Applicants must be at least 18 years old and have a Social Insurance Number (SIN). You don\u2019t need to show proof of employment or income to qualify for a TFSA. Since the TFSA contribution room is cumulative, your room will start accruing the year you become a PR, even if you don\u2019t open a TFSA account that year.<\/p>\n\n\n\n<p>Temporary residents, such as foreign workers and international students, may also be eligible to open a TFSA once they meet certain tax residency requirements.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>First Home Savings Account (FHSA)<\/h4>\n\n\n\n<p>A <a href=\"https:\/\/www.rbcroyalbank.com\/investments\/fhsa.html\" data-dig-id=\"LP-80504-5c9e72d2\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"First Home Savings Account\" class=\"rbc-link-format\">First Home Savings Account<\/a> is a registered plan aimed at helping Canadian residents save for their first home in Canada tax-free. You can contribute up to a maximum of $8,000 per year to your FHSA and there\u2019s also a $40,000 lifetime limit. Up to $8,000 of unused contribution room can be rolled over to the following years. Withdrawals from this account, including your contributions and returns, are tax-free if used to purchase a qualifying first home.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>When to open an FHSA<\/h4>\n\n\n\n<p>If you eventually want to buy a home in Canada (and don\u2019t already own one), you may be eligible to open a First Home Savings Account. Permanent residents over the age of 18 who have a valid SIN can open an FHSA soon after arriving in Canada, whereas temporary residents, including work permit and study permit holders, must first meet the physical presence requirement to be considered tax residents of Canada.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>Registered Education Savings Plan (RESP)<\/h4>\n\n\n\n<p><a href=\"https:\/\/www.rbcroyalbank.com\/investments\/resp.html\" data-dig-id=\"LP-80504-8079c2b4\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Registered Education Savings Plans\" class=\"rbc-link-format\">Registered Education Savings Plans<\/a> are tax-sheltered registered plans designated for saving for your children\u2019s post-secondary education or even your own. While these accounts don\u2019t have an annual contribution limit, they do have a lifetime limit of $50,000. The government matches a portion of your annual RESP contributions to enhance your savings.<\/p>\n\n\n\n<p>An RESP account can hold a variety of investment and savings products, including GICs, ETFs, mutual funds, stocks, cash, and more. When your child makes withdrawals from the RESP for educational assistance payments (EAPs), they will have to pay tax on the money. Since withdrawals are taxed in the hands of your child, who\u2019ll likely have little or no other income during their studies, the tax liability is typically low.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>When to open an RESP<\/h4>\n\n\n\n<p>Canadian residents can open an RESP for their child as soon as the child (the beneficiary) has a Social Insurance Number. The sooner you begin contributing to an RESP, the more returns you may be able to accumulate by the time your child begins post-secondary education.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>Financial products for your first year as a newcomer in Canada<\/h4>\n\n\n\n<h5 class=\"wp-block-heading\"><a><\/a>Car loan or lease<\/h5>\n\n\n\n<p>A <a href=\"https:\/\/www.rbcroyalbank.com\/car-loans\/buying-my-first-vehicle.html\" data-dig-id=\"LP-80504-e4a3df0e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"car loan\" class=\"rbc-link-format\">car loan<\/a> is a financing option that allows you to purchase an automobile by making a small down payment and repaying the rest of the purchase cost in installments, with interest.<\/p>\n\n\n\n<p>Leasing is another popular financing option in Canada. A lease differs from a loan in that a loan allows you to buy a vehicle while a lease only allows you to rent it from the dealer for a predetermined period of time. While leasing is usually cheaper and allows you to change vehicles frequently, keep in mind that you won\u2019t own the vehicle and will have to return it in good condition when your lease is over.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><a><\/a>When to get a car lease or loan<\/h5>\n\n\n\n<p>As you settle down in Canada, buying or leasing a vehicle might make it easier to get around, especially if you\u2019re living away from the city centre. You\u2019ll need a valid driver\u2019s license to drive, so be sure to get one before you start looking for a vehicle.<\/p>\n\n\n\n<p>RBC financing options are available at over 4,500 dealerships across Canada, and you may be able to get a loan or lease regardless of whether you\u2019re purchasing a new or used car.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><a><\/a>Auto insurance<\/h5>\n\n\n\n<p>Auto insurance is mandatory for all on-road vehicles in Canada. Broadly, there are three types of auto insurance, but some of them are optional.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcinsurance.com\/car-insurance\/liability-mandatory-insurance.html\" data-dig-id=\"LP-80504-2a6c68ec\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Liability insurance\" class=\"rbc-link-format\">Liability insurance<\/a> is a legal requirement for all motor vehicles in Canada. This helps cover any legal expenses and damage incurred if you\u2019re at fault in an accident. <\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default\"><a href=\"https:\/\/www.rbcinsurance.com\/car-insurance\/collision-comprehensive-insurance.html?\" data-dig-id=\"LP-80504-2744069b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Collision coverage\" class=\"rbc-link-format\">Collision coverage<\/a> is an optional insurance that covers the cost of repairing or replacing your vehicle if it is damaged in an accident.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcinsurance.com\/car-insurance\/collision-comprehensive-insurance.html?\" data-dig-id=\"LP-80504-e7f0a566\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Comprehensive coverage\" class=\"rbc-link-format\">Comprehensive coverage<\/a> is optional insurance that covers the cost of repairing or replacing your vehicle in case of non-collision-related losses, such as vandalism, theft, weather damage, and more.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\"><a><\/a>When to get auto insurance<\/h5>\n\n\n\n<p>You must <a href=\"https:\/\/www.rbcinsurance.com\/auto-car-insurance\/ontario-car-insurance.html\" data-dig-id=\"LP-80504-d913ca41\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"buy auto insurance\" class=\"rbc-link-format\">buy auto insurance<\/a> (at least liability insurance) before taking ownership or delivery the vehicle. Your insurance must be valid from the day you take delivery of the vehicle or when your lease begins. RBC offers both liability and optional coverage and even gives you the option to bundle your auto and home insurance for additional discounts.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><a><\/a>International money transfers<\/h5>\n\n\n\n<p>An international money transfer allows you to send money to a recipient in a different country in their local currency, directly from your bank account.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><a><\/a>When to use international money transfers<\/h5>\n\n\n\n<p>Many newcomers in Canada choose to financially support their family and loved ones in their home country or to send one-off monetary gifts. Some banks allow you to initiate international money transfers in-branch or online using the web portal or mobile banking app.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><a><\/a>Other savings products for your first year in Canada<\/h5>\n\n\n\n<h6 class=\"wp-block-heading\"><a><\/a>High-Interest eSavings Account (HISA)<\/h6>\n\n\n\n<p><a href=\"https:\/\/www.rbcroyalbank.com\/accounts\/e-savings.html?\" data-dig-id=\"LP-80504-9ef106e4\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"High-Interest eSavings Accounts\" class=\"rbc-link-format\">High-Interest eSavings Accounts<\/a> can help you save money for your future goals. HISAs typically offer higher interest rates than regular savings accounts and, since funds in these accounts are insured by <a href=\"https:\/\/www.cdic.ca\/\" data-dig-id=\"LP-80504-399d4a45\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"CDIC \" class=\"rbc-link-format\">CDIC <\/a>(up to a certain maximum), HISAs involve minimal risk.<\/p>\n\n\n\n<p>RBC does not charge a monthly fee on HISAs and funds in this account will not be locked in and can be redeemed at any time. Transactions to and from your RBC personal deposit account are free but there may be monthly limits on how many withdrawals you can make to other bank accounts.<\/p>\n\n\n\n<h6 class=\"wp-block-heading\"><a><\/a>Guaranteed Investment Certificates (GIC)<\/h6>\n\n\n\n<p>A <a href=\"https:\/\/www.rbcroyalbank.com\/investments\/gics.html\" data-dig-id=\"LP-80504-88651a85\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Guaranteed Investment Certificate (GIC)\" class=\"rbc-link-format\">Guaranteed Investment Certificate (GIC)<\/a> typically offers higher interest compared to savings accounts with minimal or no risk. CDIC insures your principal amount (up to $100,000) and, depending on the type of GIC you purchase, the bank guarantees all or a portion of your returns.<\/p>\n\n\n\n<p>GICs may be redeemable or non-redeemable, and terms usually range between three months and 10 years. RBC offers three types of Guaranteed Investment Certificates: <\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Guaranteed-return GICs<\/strong> provide a fixed rate of return, agreed upon at the time of account opening.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default\"><strong>Interest-rate linked GICs<\/strong> where you may be able to earn higher than expected returns if the bank\u2019s prime rate increases.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Equity-linked GICs<\/strong> link your earnings to the equity market. You\u2019re guaranteed a certain minimum annual return with the possibility of earning much more if the underlying equity investment grows.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h6 class=\"wp-block-heading\"><a><\/a>Other investment products for your first year in Canada<\/h6>\n\n\n\n<p>As a newcomer, there may also be other investment options to explore, depending on your risk appetite. Equity, mutual funds, exchange-traded funds (ETFs), and bonds are popular investment products in Canada. You can hold investment products in registered or unregistered accounts.<\/p>\n\n\n\n<h6 class=\"wp-block-heading\"><a><\/a>Beyond year one: Financial products you may need<\/h6>\n\n\n\n<p><strong>Registered Retirement Savings Plan (RRSP)<\/strong><\/p>\n\n\n\n<p>A <a href=\"https:\/\/www.rbcroyalbank.com\/investments\/rrsp.html?\" data-dig-id=\"LP-80504-614954b3\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Registered Retirement Savings Plan\" class=\"rbc-link-format\">Registered Retirement Savings Plan<\/a> allows Canadian citizens and permanent residents to save for retirement. Contributions made to this account are tax-deferred and can be deducted from your taxable income when you file taxes the following year.<\/p>\n\n\n\n<p>An RRSP is a registered plan and the annual contribution limit is typically 18 per cent of your previous year\u2019s gross income. As a result, you can only open an RRSP and contribute to it after you\u2019ve filed at least one tax return in Canada. You can find what your annual contribution limit is in your Canada Revenue Agency (CRA) account: be sure not to over-contribute to avoid paying penalties. Like other registered plans, RRSPs can hold different investment and savings products, such as cash, GICs, stocks, ETFs, bonds, and more.<\/p>\n\n\n\n<p>Although RRSPs are meant for retirement savings, you can also borrow funds from your RRSP to purchase a home (Home Buyer\u2019s Plan) or fund your studies (Lifelong Learning Plan). Withdrawals made from your RRSP are taxable (except under the Home Buyer\u2019s Plan or Lifelong Learning Plan, which must be repaid within a certain period).<\/p>\n\n\n\n<h6 class=\"wp-block-heading\"><a><\/a>Personal loans<\/h6>\n\n\n\n<p>A <a href=\"https:\/\/www.rbcroyalbank.com\/personal-loans\/personal-loans.html?\" data-dig-id=\"LP-80504-18b18c58\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"personal loan\" class=\"rbc-link-format\">personal loan<\/a> allows you to borrow money from the bank to meet your goals, regardless of what they are. For instance, personal loans can help you with emergency expenses, moving or renovation costs, weddings, vacations, or large purchases. You can then repay your principal and interest through monthly, semi-monthly, bi-weekly, or weekly installments.<\/p>\n\n\n\n<h6 class=\"wp-block-heading\"><a><\/a>Lines of credit<\/h6>\n\n\n\n<p>A <a href=\"https:\/\/www.rbcroyalbank.com\/personal-loans\/line-of-credit.html\" data-dig-id=\"LP-80504-c7ba162c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"line of credit\" class=\"rbc-link-format\">line of credit<\/a> is a flexible product that gives you access to a certain credit limit on a revolving basis. For example, if you have a $8,000 line of credit, but only use $2,000, you only need to pay interest on $2,000. Moreover, you can repay the $2,000 you\u2019ve used at any time and have the full $8,000 at your disposal again.<\/p>\n\n\n\n<h6 class=\"wp-block-heading\"><a><\/a>Mortgages<\/h6>\n\n\n\n<p>When you buy a home in Canada, a <a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/new-to-canada\/mortgages-for-newcomers\/\" data-dig-id=\"LP-80504-8a625a8b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"mortgage \" class=\"rbc-link-format\">mortgage <\/a>can help you cover a significant part of your purchase cost. A mortgage allows you to make a down payment worth five to 20 per cent of the price of the home and borrow the remaining funds from a bank to purchase the property.<\/p>\n\n\n\n<p>Most Canadians get a mortgage to finance their home purchase and then repay the mortgage amount plus interest to the bank over 10 to 30 years.<\/p>\n\n\n\n<p>Being financially stable is crucial for a fulfilling life in Canada, and while your initial needs may be simple, they are bound to grow as you establish roots in Canada. Starting with fundamental banking and credit products, you\u2019ll eventually need a comprehensive suite of financial products, including savings and investments, to support your evolving lifestyle and ensure a comfortable future in Canada.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-339e3d00-2aac-4978-8811-0fb0d4ddfe96\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=A Financial Toolkit for Your First Year as a Newcomer to Canada &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/new-to-canada\/banking-in-canada\/a-financial-toolkit-for-your-first-year-as-a-newcomer-to-canada\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/new-to-canada\/banking-in-canada\/a-financial-toolkit-for-your-first-year-as-a-newcomer-to-canada\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-2e742104-ca64-46a5-b304-72b2eaf10d82\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/new-to-canada\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">New to Canada<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/Smiling-couple-look-at-a-smartphone-together-symbolizing-excitement-of-building-credit-score.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/Smiling-couple-look-at-a-smartphone-together-symbolizing-excitement-of-building-credit-score.jpg 7008w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/Smiling-couple-look-at-a-smartphone-together-symbolizing-excitement-of-building-credit-score.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/Smiling-couple-look-at-a-smartphone-together-symbolizing-excitement-of-building-credit-score.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/Smiling-couple-look-at-a-smartphone-together-symbolizing-excitement-of-building-credit-score.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/Smiling-couple-look-at-a-smartphone-together-symbolizing-excitement-of-building-credit-score.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/Smiling-couple-look-at-a-smartphone-together-symbolizing-excitement-of-building-credit-score.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/new-to-canada\/banking-in-canada\/\">\n\t\t\t\t\t\tBanking in Canada\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/new-to-canada\/banking-in-canada\/how-to-build-credit-history-as-a-newcomer-to-canada\/\" class=\"card-title h4 mar-t-0\">How to Build Credit History as a Newcomer to Canada<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/09\/Newcomer-Credit-new-size.png?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A newcomer to Canada stands smiling as she taps her credit card at the payment terminal.\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/09\/Newcomer-Credit-new-size.png 1100w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/09\/Newcomer-Credit-new-size.png?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/09\/Newcomer-Credit-new-size.png?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/09\/Newcomer-Credit-new-size.png?resize=1024,682 1024w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/new-to-canada\/banking-in-canada\/\">\n\t\t\t\t\t\tBanking in Canada\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/new-to-canada\/banking-in-canada\/a-newcomers-guide-to-loyalty-rewards-credit-cards-in-canada\/\" class=\"card-title h4 mar-t-0\">A Newcomer\u2019s Guide to Loyalty Rewards Credit Cards in Canada<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/06\/A-newcomer-family-teaching-their-children-to-ride-a-bike.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A newcomer family teaching their children to ride a bike\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/06\/A-newcomer-family-teaching-their-children-to-ride-a-bike.jpg 6000w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/06\/A-newcomer-family-teaching-their-children-to-ride-a-bike.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/06\/A-newcomer-family-teaching-their-children-to-ride-a-bike.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/06\/A-newcomer-family-teaching-their-children-to-ride-a-bike.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/06\/A-newcomer-family-teaching-their-children-to-ride-a-bike.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/06\/A-newcomer-family-teaching-their-children-to-ride-a-bike.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/new-to-canada\/banking-in-canada\/\">\n\t\t\t\t\t\tBanking in Canada\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/new-to-canada\/banking-in-canada\/tax-free-savings-account-tfsa-for-newcomers-your-guide-to-investing-in-canada\/\" class=\"card-title h4 mar-t-0\">Tax-Free Savings Account (TFSA) for Newcomers: Your Guide to Investing in Canada<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-339e3d00-2aac-4978-8811-0fb0d4ddfe96 {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-339e3d00-2aac-4978-8811-0fb0d4ddfe96 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-2e742104-ca64-46a5-b304-72b2eaf10d82 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-2e742104-ca64-46a5-b304-72b2eaf10d82 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Here are the financial products you may need as you settle into newcomer life in 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