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Opening a Canadian bank account and transferring funds before landing (from India)

Canada • Permanent Resident • immigration 0 views
By VisaBuddies Communityvia community — compiled from public visa forums

Documents Needed

  • Proof of Canadian PR / landing paperwork

    Typically required by newcomer banking programs to open an account remotely.

  • Funds for initial deposit

    Needed to move money into the new Canadian account before or shortly after landing.

Step-by-Step

Members shared experiences opening a Canadian bank account from India, before physically landing.

  1. Newcomer programs allow remote account opening at some banks. One member used Scotiabank's 'Right Start' program via its India branch — they opened the account and deposited money from India, then withdrew after landing.

  2. Not every bank supports fully remote opening. Another member found Scotiabank did not allow remote account opening for their situation, and instead opened an account with RBC, which they described as easier and doable entirely over phone/email.

  3. Shop around between banks. Since experiences varied even for the same bank (Scotiabank), it's worth checking directly with each bank's newcomer program rather than assuming the process is identical everywhere.


Takeaway: newcomer-to-Canada banking programs (Scotiabank Right Start, RBC's newcomer account) can let you open an account and pre-load funds before landing, but confirm the remote-opening process with the specific bank first since availability seems to vary.

Dos, Don'ts & Tips

  • Tip: Ask specifically about newcomer/'right start' style programs — these are designed for pre-landing account opening.
  • Do: Confirm with the bank directly whether remote account opening is available in your case before committing.
  • Tip: RBC was described as easier and doable over phone/email in one member's experience.

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