Newcomers face a steep learning curve: chequing vs. savings, why credit history matters, and how to get a first credit card. On this episode of Moolala: Money Made Simple with Bruce Sellery, Head, Customer Growth & Segments, at BMO Sumit Sarkar walks through the earliest money moves to make—often before you land—plus digital tools that map personal goals and help establish credit. Learn why a primary bank relationship is so valuable, how to open accounts pre-arrival (with in-country verification later), and what to expect as you set up life in a cash-light, credit-heavy system. Clear steps to get stable fast, with confidence.

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