Banking and phone basics when you arrive

What people usually need to set up a phone line and a basic account, and what to confirm locally.

Who this is for: People arriving in a new country for an extended stay.

Requirements vary by provider, city and immigration status, and they change. Treat this as a starting checklist to confirm locally rather than a current legal statement.

Steps

Ask two providers what they require before choosing
Bring more identification than you think you need
Ask about fees for transfers and foreign cards
Keep receipts and reference numbers

Documents or information usually needed

Photo identification
Proof of address
Immigration document where applicable

Common pitfalls

Assuming online-only accounts accept foreign documents
Signing a long contract before you understand the fees

When to bring in a professional

For tax residency or larger transfers, speak with a qualified tax professional in both countries.

Last reviewed 2026-09-07. Rules and requirements change and vary by place. This is general information, not legal, tax, financial, immigration or medical advice. Confirm anything important with the relevant authority or a qualified professional.