Your guide to moving to the US from Canada

Moving from Canada to the US is a major decision that involves several steps and careful planning. Whether you’re moving because of new work opportunities, education, or lifestyle change, transitioning will require thorough planning. This guide will provide you with the steps you’ll need to take in Canada first, tips on adjusting to life in the US, and how Wise can help you manage your money with a multi-currency account you can use to manage over 20 currencies.

What are the administrative essentials for moving to the US from Canada?

To ensure a smooth transition when moving to the US from Canada, there are many administrative tasks to complete first. While the documentation Canadian citizens require entering the US can change, for now, all you’ll need is your passport if you’re:

• In the US for vacation.
• Travelling through—for example, you’re driving from Canada to Mexico.
• Shopping.

1. Getting the right residence permit or visa: Depending on your situation and the purpose of your move, you’ll need to obtain the appropriate residence permit or visa. Documentation and applications are typically submitted to the U.S. Citizenship and Immigration Services (USCIS).

1. Driver’s Licence and Vehicle Registration: Whether you’re driving or having your vehicle shipped, you’ll need to obtain a driver’s licence and vehicle registration in the state to where you’re moving — within 30 days of establishing your residency. You’ll need, at least, proof of residency and proof of identity (passport or birth certificate). Registering your vehicle will require proof of ownership and US insurance coverage.

2. Consulting a Tax Professional: It’s important to seek tax advice before your move. Since situations and circumstances are unique, a specialist can advise you on the impact of your new non-resident status, filing your income tax, and any departure tax you may owe.

How long does the US visa/permit process take?

Processing time for applications depend on the type of visa applied for and vary from case to case. Please see US Citizenship and Immigration Services for more info.

Things to take care of in Canada before moving to the US

In preparation for your move, there are several things you’ll want to take care of first. For example, you’ll need to inform your bank, credit card companies, insurance broker/provider, and any government agencies, such as Canada Revenue Agency and Service Canada.

• Move your funds: Transfer your money to a US bank account before closing your Canadian accounts. Alternatively, you could get US account details on Wise and convert your money at the mid-market exchange rate.
• Close your bank accounts: It might help to close your accounts in Canada, in case you pay monthly fees or have inactivity fees to pay.

• Forward your mail: Before you make your move to the US from Canada, contact Canada Post and get your mail forwarded.
• Medical issues: If you’re undergoing any treatments or on medication, you’ll need to collect copies of your medical records. Also be aware that finding a family doctor in the US is just as hard as it is in Canada. If you have health issues, make sure you’re prepared so you can avoid disruptions in your care.
• Pet relocation: Make sure all vaccinations are up-to-date and that you have a health certificate from a licensed veterinarian.
• If you’re flying, check your airline for regulations. Most are limited to cats and dogs and will have size requirements that determine if they’re allowed in the cabin. Whether you are flying or driving, make sure all vaccination documentation is dated no less than 30 days before your arrival.
• Cancel any Canadian memberships or subscriptions.

Preparing for Your Stay in the US before Leaving Canada

Instead of heading off to your destination unprepared, it’s better to do some advance planning.

Estimation of monthly expenses

Linguistic Differences: This can vary depending on where you’re moving to in the US and where you’re moving from in Canada. Linguistic differences between Canada and the US are regional, not national.

For example, Americans often say ‘soda,’ though in Midwestern states, ‘pop’ is more common. The same is true for Canada — across Ontario and the West, pop is used, but to the East, particularly in Quebec, pop is known as a soft drink.

Spelling variations: The most common variations are the Canadian our and re vs the American or and er. For example, favour vs favor and centre vs center.

Cultural differences: Canada has a strong emphasis on multiculturalism, which encourages immigrants to maintain their cultural identity. In the US, historically at least, immigrants are expected to assimilate into American culture.⁶

Get More Out of Your Money with a Wise Account in the US

Looking for US account details and real exchange rates? Wise has you covered.

You can get US account details with your Wise account. This allows you to take care of your money before you leave for the US. It’s quick and easy to get US account details on Wise!

Wise uses the mid-market exchange rate or interbank rate, with transfer fees starting at 0.29%^* for US residents. If you have family or friends around the world, you can also send money in more than 40 currencies.

If you already have a Wise account, you would need to update your address to match your new location. This could unlock new features for you such as Wise interest, which could earn you returns up to 4.18% APY⁷ in USD!

Transportation in the US

Depending on where you’re moving to, public transportation circumstances will vary and will be much the same as they are in Canada.

• Public transport in the US: If you’re moving to a large city like New York, many people use public transport almost exclusively — especially if you’ll be living in the city proper.
• Cycling: Many large cities in the US have protected bike lanes. Cycling might be cheaper than driving or using public transportation.
• Your vehicle: While it’s quite common for people who live in large cities not to have a vehicle, if you’re moving to suburbia, owning your vehicle is often a good choice since public transportation options are often limited.
• Getting a taxi/cab: Heading out to dinner or a club? A taxi is a smart choice.

Health Insurance Plans in the US

All US citizens are required to have healthcare coverage, so you’ll need to get insurance as soon as possible. If you’re moving there for work, employers offer insurance as part of their benefit plan for full-time employees.

As of 2023, the most popular private health insurance companies in the US included Kaiser Permanente, Elevance Health, and UnitedHealth Group, according to Statista. You can also check out HealthCare.gov, and use their Marketplace to compare plans.

Final thoughts on moving to the US from Canada

Moving to the US from Canada can bring opportunities, but it does come with challenges. However, by carefully planning each phase of your move, you can be successful. Be sure to use the various tools and strategies mentioned, includingWise for the best currency conversion rates.

Sources:

1. US Employment-based visas
2. E-2 Visas for investors
3. Retiring abroad
4. How to get a Green Card
5. Cost of living in the United States
6. US Immigration and assimilation
7. Disclaimer: Capital at risk, growth not guaranteed.