Bank — Account and cards

Opening a local bank account makes it easier to receive your salary, pay rent, and access newcomer banking products.

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Why

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• Receive your salary safely.
• Pay rent and bills without cash.
• Start building a positive credit history.

How

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1. Compare newcomer offers (monthly fees, free transactions, welcome bonuses).
2. Choose a bank that is convenient for you (branch, ATMs, mobile app).
3. Book an appointment if possible.
4. Bring your passport, status document, and proof of address (if available).
5. Open a chequing account and get a debit card for daily spending.
6. If appropriate, ask for a small, reasonable credit card limit.

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• Passport
• Status document
• Local address (if possible)

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• Packages with hidden fees or services you do not understand.
• Unnecessary insurance products sold at the counter.
• A very high credit limit from day one.
• Signing documents without reading the conditions.
• Paying credit card bills late.

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• Clearly ask for a “newcomer package” or low‑fee account.
• Aim for $0 monthly fees during your first months if possible.
• Start with a modest credit limit and pay on time every month.
• Keep your credit utilization low (ideally under ~30%).
• Use the bank’s official app to monitor transactions and alerts.

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