First Month Moving Abroad Checklist 2026

Before moving abroad, it's crucial to understand the cost of living in your new city. Here’s a comparison of the average monthly budgets for London, Toronto, and Berlin:

Understanding these costs will help you plan your finances effectively for your first month abroad.

Ensure you have the correct visa before your move. For the UK, the Skilled Worker Visa requires a minimum salary of £38,700/year and processing typically takes 3 weeks. In Canada, the Express Entry system can take 6 to 18 months, while Germany offers the Opportunity Card with a processing time of 2 to 6 months. Make sure to gather all necessary documents and proof of funds as required by your destination country.

Securing accommodation is one of the first tasks you should tackle. In London, expect to pay around £1,900 for a one-bedroom apartment, while in Toronto, it’s about £1,800, and in Berlin, approximately £1,200. Websites like Rightmove for the UK, Zillow for Canada, and Immowelt for Germany can help you find suitable rentals. Consider temporary housing options like Airbnb if you need more time to find a permanent place.

Once you have your accommodation, setting up utilities is essential. In London, utilities can cost between £150-£200 per month, while in Toronto, they range from £120-£180, and in Berlin, they are about £100-£160. Contact local providers for electricity, water, and internet services as soon as you move in to avoid delays.

Opening a local bank account is crucial for managing your finances. In the UK, banks like HSBC and Barclays offer accounts for newcomers, often requiring proof of address and identification. In Canada, consider TD Canada Trust or RBC, while in Germany, Deutsche Bank and Commerzbank are popular choices. Be aware of any fees associated with maintaining your account.

Health insurance is mandatory in most countries. In the UK, the Immigration Health Surcharge is £1,035/year for adults. In Canada, you may need private insurance until provincial coverage kicks in, which can take up to 3 months. In Germany, proof of health insurance is required for residency permits. Research your options and ensure you have adequate coverage.

Here are some actionable tips for 2026:

• Budget Wisely: With London’s average monthly budget at £3,800, ensure you account for all living expenses, including rent and utilities.
• Visa Processing: Apply for your visa at least 3 weeks in advance to avoid delays, especially during peak seasons.
• Local Transport: Familiarize yourself with local transport options; in London, a monthly transport pass costs around £180.
• Emergency Funds: Keep at least 3 months' worth of living expenses saved to cover unexpected costs during your transition.

Many newcomers overlook the importance of local knowledge. For instance, not understanding the local rental market can lead to overpaying for accommodation. Additionally, some may underestimate the time it takes to set up utilities and bank accounts, which can delay settling in. Always research local customs and regulations to avoid common pitfalls.

Alex, a software engineer earning £45,000, moved from Toronto to London in May

1. He budgeted £3,800 for his first month, which included £1,900 for rent, £180 for transport, and £300 for groceries. Despite his preparation, Alex faced delays in setting up his utilities, which took over a week longer than expected. He learned the importance of having a temporary accommodation plan to ease the transition.