How we support your settlement
We Tailor Things Based on Where You Are in Your Journey
Are you moving abroad as an international student?
Studying abroad is very exciting. But then, it's also your first time handling many things on your own. After the admission letter, practical tasks start quickly. Banking takes time. Cards may not work right away. Insurance needs confirmation. Housing decisions feel rushed. None of this is unusual. It's just part of the transition.
How do we support you?
Let's cut it short: we help with the practical parts that make 'settling-in' smoother.
-
Student Banking — Guidance to open and use a student-friendly bank account.
-
GIC Setup — Clear support to ensure everything matches your study permit.
-
IRCC-Compliant Insurance — Simple, correct coverage without confusion.
-
Student Housing — Options to make the settling-in process easier.
-
Credit Building (Optional) — A head start on building your credit history.
GIC Support for Canada
Most students going to Canada need to show proof of funds. One common way to do this is with a Guaranteed Investment Certificate or GIC. A GIC is a Canadian investment you buy before arrival that shows you have funds for school and living costs. The bank holds the money until you arrive in Canada, then releases part of it in monthly amounts after you land. A correct GIC setup is often needed for study permit processing and helps meet financial requirements for your first year in Canada. We help you choose the right GIC option and complete the setup so your documents match what is required.
A Simple Way to Get Started
1. Share Your Details: Your offer letter and basic information.
2. We Set Things Up: Banking, insurance, and housing, planned together. Indicate in the what services you are interested in availing in your email.
We stay involved as you settle in.
Credit Cards for Newcomers : Zolve
-
Start building credit from scratch even with no prior history
-
No annual fees, cashback rewards
-
Some programs recognize international credit scores
-
Fully online and easy to manage
-
Optional for temporary residents
A New Country, New Goals, New Routines
Permanent Residents and Work Permit Holders
Banking for Newcomers : BMO
-
Accounts ready from day one
-
No monthly fees for up to 2 years with BMO NewStart
-
Welcome bonuses and cashback on everyday spending
-
Works even if you have no Canadian credit history
-
Over 900 BMO locations across Canada
-
Digital banking and pre-arrival setup for smooth transfers
Your New Life, Simplified
Most newcomers want stability. They want their essentials to work without constant follow-up. They want fewer surprises and more peace of mind. We make sure each step connects to the next. Nothing is treated in isolation.
From banking and credit to insurance and housing, we make sure the essentials are ready for you from day one whether you are here to stay for years or just on a work permit.
Arriving in Canada is a proud and exciting moment. It brings new hopes, new routines, and many dreams. Whether you are here permanently as a PR or temporarily on a work permit, the first few months can feel overwhelming. Banking, housing, insurance, and credit all work differently and often need attention at the same time.
Nearly four in ten newcomers struggle to manage daily expenses in their first year. Many also face housing challenges within the first six months. Limited credit history and unfamiliar rental rules make it harder. It is not about planning poorly. It is about handling many new systems at once. Small delays can feel heavy when several things depend on each other. With the right setup before or soon after arrival, life feels calmer and more confident from day one.
Financial Tools & Learning
-
Free newcomer financial education through BMO SmartProgress, covering banking basics, budgeting and credit management
-
Access to the "Welcome to Canada" app with personalised guidance in multiple languages including Punjabi and more
-
Tools like My Financial Progress to help plan goals and track your finances over time
-
Support that helps you understand the Canadian financial system and plan ahead
Housing & Mortgage Guidance
-
Short-term stays, shared accommodation, or family rentals
-
Guidance on rental processes and credit requirements
-
Early advice on mortgage pathways for those planning long-term
Insurance for Families, Work & Travel : StudyInsured™
-
Covers health, travel, and family needs
-
Flexible plans for newcomers and work permit holders
-
Trusted provider with reliable support
Start building credit from day one
Your First Credit Card, Sorted Before Arrival
Managing money in a new country can feel tricky, especially if you have no credit history yet. A credit card ready before you land makes a huge difference. It helps you pay for essentials, start building credit, and feel more confident from day one.
-
Apply from your home country: no need to wait until you arrive
-
No credit score required: perfect for first-time users
-
No annual fee: start building credit without extra cost
-
Works in Canada and the USA: use it right away for essentials
-
Cashback on purchases: earn rewards while you spend
-
Easy application: we guide you through every step
-
Ready to use on arrival: start managing expenses immediately
-
Perfect for students, PRs, and work permit holders: handle housing, daily costs, and essentials with confidence
Whether you are coming as a student, a PR, or a work permit holder, this card sets you up to manage expenses, pay for housing, and handle daily costs right from the start.
Protection through StudyInsured™
Insurance That Travels With You
Moving to a new country comes with excitement and new responsibilities. Whether you are moving alone or with a family, health, travel, and family safety are always on your mind. That is why we offer insurance solutions through our trusted partner StudyInsured™.
Whether you are a student, a new PR, or on a work permit, StudyInsured™ has plans designed for your needs:
-
Student Insurance: Meets Canadian and US student visa requirements. Covers health, travel, and emergency support while you study abroad.
-
Travel Insurance: Protects you on short trips, study breaks, or business travel. Ensures peace of mind wherever you go.
-
Super Visa Insurance: Designed specifically for parents and grandparents visiting Canada. Meets government requirements and covers healthcare needs during extended stays.
-
Flexible coverage that evolves with your needs: pick what matters most for you and your family
-
Trusted provider: operated by MSH International (Canada) Ltd., with experience in global student and travel insurance
-
Easy to set up: simple process guided by us so you are ready before you leave
-
With the right insurance, you can focus on building your new life, not worrying about what might go wrong.
Through our partnership with Ribbon
UK Banking, Ready Before You Arrive
Whether you are a student or a working professional, moving to the UK often means starting over with everyday money basics. A local bank account is one of the first things you need, and without it, even simple tasks take longer and feel harder than they should. That is why we work with Ribbon, a UK-based digital banking platform built for people who are new to the country. Ribbon lets you set up UK banking early, so you are not stuck waiting after you land.
How Ribbon Helps
-
UK bank account setup designed for newcomers
-
Apply before or soon after arrival
-
Digital-first banking that is easy to manage
-
Supports salary payments and daily expenses
-
Built as a net-zero financial services platform
-
Simple, clear experience with no confusion
Ribbon is especially helpful for students, skilled workers, and new residents moving to the UK. It gives you a practical starting point while you settle in and learn the system.
We guide you through the process so you know what to expect and what comes next. One less thing to figure out on your own.
Through our partnership with EbixCash
Sending Money Home, Made Simple
When you move abroad, money still needs to move with you. Rent, family support, tuition, and savings all depend on reliable remittances. Doing this for the first time can feel confusing, especially across countries.
That is why we work with EbixCash, a trusted provider for remittances from India to anywhere in the world.
EbixCash helps you send money safely, quickly, and at competitive rates, without unnecessary complexity.
How EbixCash Helps
-
Send money from India to Canada, the UK, the USA, and other countries
-
Trusted remittance and foreign exchange provider
-
Competitive exchange rates with clear pricing
-
Secure and compliant transfer process
-
Useful for students, new PRs, and work permit holders
-
Suitable for family support, education, and living expenses
We help you plan this early, so money is never the thing that slows you down.
Student accommodation through Alumn Club
A Place to Call Home, From Day One
Finding accommodation in a new country is not just about looking for a "room". You are choosing from a distance. You are working with timelines. You are trying to balance budget, location, and comfort. Many students worry about arriving without a confirmed place or choosing something that does not match what was promised.
That is why we have partnered with Alumn Club to support student accommodation through a trusted global platform. Through this partnership, SettleX helps simplify the housing search so you can focus on preparing for your studies, not stressing about where you will live.
Accommodation options are designed to match student needs. They consider location, budget, safety, and flexibility. Whether you prefer shared living or a private space, the goal is the same: to land knowing where you are going.
With the right support, accommodation becomes one less unknown. You arrive with clarity, not uncertainty.
Student Accommodation Support
-
Verified student housing options across major study destinations
-
Choices that align with student budgets and preferences
-
Support through a trusted accommodation partner
-
Suitable for short stays and longer academic terms
-
Helps you plan housing before you arrive
Certification Name
This is the space to showcase your professional credentials and show your expertise and industry standing. Display relevant certifications that demonstrate your commitment to excellence and continued learning.
Certification Name
This is the space to showcase your professional credentials and show your expertise and industry standing. Display relevant certifications that demonstrate your commitment to excellence and continued learning.
Certification Name
This is the space to showcase your professional credentials and show your expertise and industry standing. Display relevant certifications that demonstrate your commitment to excellence and continued learning.