1. Pre-Move Checklist
- Immigration Path SelectionChoose your entry route—Express Entry, Family Sponsorship, Provincial Nominee Program—and prepare required documentation.
- Documents to GatherKey documents include passport, PR or work permit, birth/marriage certificates, credentials, language test results, and police clearance.
- Financial PlanningYou’ll need at least USD 15,300 (~CAD 21,600) just to relocate; a family might require up to USD 27,600 (~CAD 39,000).
- Canadian Bank Account SetupUse “Newcomer Accounts” from banks like RBC or CIBC; apply before arrival to streamline your finances.
- Budgeting for Housing & UtilitiesExpect to spend 35%–50% of your income on rent and bills; set up your home and budget early.
- Declaring Household GoodsPrepare a detailed list (value, make, model) of items for customs to ensure smooth clearance.
2. Common Challenges for Newcomers
- Navigating visa, finances, housing, and admin—often overwhelming
- Delays and high fees in cross-border banking disrupt initial expenses
- Tracking expenses manually across multiple systems is time-consuming
3. How Dogpay Streamlines Your Move
| Scenario | Traditional Issues | Dogpay Benefits |
|---|---|---|
| Cross-border Transfers | Slow payments, costly FX | Instant multi-currency/stablecoin transfers |
| Paying Initial Expenses | Fragmented platforms, no receipts | Unified platform with auto-generated records |
| Budgeting & Compliance | Disorganized finances | Export-ready statements for filing and reporting |
| Emergencies & Deposits | Delays in securing rental or needs | Fast, secure transfers with flexible options |
