Toronto can be exciting for new international students, but the first month often feels overwhelming. From opening a bank account and finding housing to understanding transit, healthcare, taxes, and work rules, early planning can make settling in much easier. Here is a practical guide to the basics students should know when starting life in Canada’s largest city.
What international students should set up first in Toronto
Students arriving in Toronto often need to make several important decisions within days of landing. The most urgent tasks usually involve money, communication, and proof of status. For anyone preparing to study in Canada, getting these basics in place early can reduce stress and help avoid expensive mistakes.
Opening a Canadian bank account
A Canadian bank account is usually essential for daily life. It can help students receive money from family, pay rent, cover bills, and collect wages if they are allowed to work. Most banks will ask for identification, a Canadian address, and proof of legal status, such as a study permit.
Many large banks offer newcomer or student packages with lower fees and simple account options. Once the account is active, students can usually send and receive money through Interac e-Transfer, which is widely used across Canada. This is one of the fastest ways to manage everyday payments.
Getting a phone plan and starting a credit history
A local phone number is another early priority. New students often begin with a prepaid SIM card or eSIM because it is easier to get without Canadian credit history. Later, they may switch to a monthly postpaid plan if they qualify.
Building credit is also important. In Canada, a credit history can affect access to rental housing, loans, and some financial products. Newcomers who do not yet have a Canadian record may need to start with a student or newcomer credit card, or a secured card backed by a deposit. Paying the balance on time each month is one of the best ways to build a strong profile.
Students who are still planning their move may also want to review broader international student guidance for Canada and understand how settlement choices can affect long-term goals, including future pathways from study to permanent residence.
Housing, living costs, and getting around the city
Toronto offers many housing options, but it is one of the most expensive rental markets in Canada. Students should research neighbourhoods carefully and understand what they are signing before agreeing to a lease.
Choosing where to live
Some students live in campus residence, while others rent a room, share an apartment, or lease a private unit. One-bedroom and two-bedroom apartments are common. Bachelor apartments, where the sleeping area is part of the main room, are also available.
Ontario tenancy rules matter. In many cases, landlords must use the province’s standard lease. Students should know that not all buildings are subject to rent control. In newer buildings first occupied after mid-November 2018, landlords may be able to raise rent more sharply after the first lease term ends. That can affect affordability in a major way.
Ontario law generally limits rental deposits to one month’s rent, applied to the last month. Damage deposits are usually not allowed. Students should also read the lease carefully to see whether utilities are included. Electricity, heat, and internet can add a noticeable amount to monthly costs.
Transit and transportation
Toronto’s public transit network is large, but it can take time to learn. The Toronto Transit Commission runs subways, buses, and streetcars, while GO Transit connects Toronto with surrounding regions. Many students use PRESTO or tap a debit or credit card to pay fares.
A monthly student transit pass may save money for frequent riders. Others may prefer pay-as-you-go fares, depending on how often they travel. Students using regional transit should remember to tap on and tap off where required, especially on GO services, to avoid being charged incorrectly.
Some students drive, cycle, or use rideshare services. Anyone planning to drive in Ontario must make sure their licence is valid under provincial rules. For housing support before arrival, practical information on student accommodation in Canada can help with planning.
Healthcare, taxes, and work rules students need to understand
Many international students are surprised to learn that studying in Ontario does not usually make them eligible for provincial health coverage through OHIP. That means health insurance should be confirmed as soon as possible after enrolment.
Health coverage for students in Ontario
Universities often enrol international students in the University Health Insurance Plan, known as UHIP, while colleges and private institutions may provide other insurance arrangements. These plans usually cover doctor visits, hospital care, emergency treatment, and specialist referrals, but they may not include everything.
Dental care, prescription drugs, vision care, counselling, physiotherapy, and similar services may only be partly covered through an extended student plan. Because coverage varies by school, students should check the details with their institution and keep copies of their policy information. Those comparing options can also read more about student health insurance in Canada.
Taxes and the Social Insurance Number
Most international students living in Canada are treated as residents for tax purposes. A Social Insurance Number, or SIN, is generally required to work and to access certain government programmes. Students can apply online or at a Service Canada location.
Filing a tax return can be worthwhile even with low income. It may help students receive credits and benefits for which they qualify. Many schools offer free tax clinics during filing season, which can be useful for first-time filers.
Working while studying
Students should follow the conditions printed on their study permit. In general, eligible international students may work off campus for a limited number of hours during regular academic sessions and may work more during scheduled breaks. On-campus work rules can differ and are often more flexible.
It is important not to assume work is automatically allowed. The permit must include the proper work condition, and employment usually cannot begin before the study programme officially starts. Students can review the current rules for off-campus work while studying and learn how study can later support a Post-Graduation Work Permit.
For many students, work experience in Canada may later support immigration through programmes such as the Canadian Experience Class or other Express Entry immigration pathways. That is why staying compliant from the beginning is so important.
Settlement support and long-term immigration planning
Settling into Toronto is not only about paying bills and finding transit. It is also about knowing where to get reliable help. Schools often have international student offices, and community organisations may offer settlement services related to housing, healthcare, education, and local orientation.
Be careful with unofficial advice
New students often turn to friends, online groups, or social media for answers. While these sources may be helpful for day-to-day tips, they are not always accurate on legal or immigration matters. Misinformation about work limits, study permit conditions, taxes, and housing rights can cause real problems.
For immigration questions, students should check current guidance from IRCC and, when needed, speak with a licensed professional. This is especially important for anyone thinking ahead to permanent residence through federal or provincial programmes.
Think beyond the first month
For many international students, the first month in Toronto is also the first step in a much longer journey. Good decisions early on can support future goals, whether that means gaining skilled work experience, qualifying for a provincial nomination, or preparing for permanent residence after graduation.
Students who hope to remain in Canada permanently may eventually look at options under Ontario immigration programmes or other federal and regional streams. Understanding the bigger picture early can help students choose the right school, programme, work strategy, and settlement plan. For a broader overview, readers can explore Canadian immigration options that may become relevant after graduation.
Immigration rules, student work conditions, and provincial requirements can change frequently, so readers should always confirm current information with IRCC or seek advice from a licensed immigration consultant before making decisions. EverNorth Immigration is here to help with experienced, professional support at every stage of the journey toward a new life in Canada. If you would like tailored guidance, you can book your free immigration assessment.
