Newcomer BoardCanada, explained for newcomers

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Ordered by where most newcomers to Canada come from. English is the default.
HomeImmigration words, explained

Immigration words, explained

203 words and abbreviations, from visa and permit to LMIA, CRS and every provincial program. Short definitions with a link to the official page. Program names stay in English in every language.

203 words

Status and documents

Citizen
A Canadian citizen can vote, hold a Canadian passport and cannot lose status for living abroad.
Canadian citizenship · Citizenship · Official page ↗
eTA · Electronic Travel Authorization
Electronic Travel Authorization. An online approval that visa-exempt travellers need to fly to Canada. Linked to your passport.
Official page ↗
Maintained status
If you apply to extend your permit before it expires, you can usually stay under the same conditions until IRCC decides. Formerly called implied status.
Implied status · Official page ↗
Passport
Your travel document from your country of citizenship. IRCC visas and eTAs are linked to it.
Official page ↗
Permanent resident
Someone who has PR status but is not a citizen. You can live, work and study anywhere in Canada, but you cannot vote and you must meet the residency rule.
PR · PR status · Official page ↗
Permit
A document that lets a temporary resident study or work in Canada. A permit is not a visa: you may need both.
Official page ↗
Port of entry
The airport or border crossing where a border officer checks your documents and lets you in.
POE · Official page ↗
PR · Permanent residence
Short for permanent resident or permanent residence.
Official page ↗
PR card
Permanent resident card. The plastic card that proves your PR status when you come back to Canada from a trip.
Permanent resident card · Official page ↗
PRTD · Permanent Resident Travel Document
Permanent Resident Travel Document. A travel document for a PR outside Canada whose PR card has expired or is lost.
Official page ↗
Residency obligation
To keep PR status you must be physically in Canada for at least 730 days (2 years) in every 5-year period.
730 days · Official page ↗
Restoration of status
Applying within 90 days after losing status to get it back.
Official page ↗
Status
Your legal situation in Canada: visitor, student, worker, permanent resident or citizen. Each has its own rights and end date.
Immigration status · Legal status · Official page ↗
Temporary resident
A visitor, student or worker allowed to stay in Canada for a limited time.
TR · Temporary residence · Official page ↗
TRV · Temporary Resident Visa
Temporary Resident Visa. The visitor visa sticker that people from visa-required countries need to travel to Canada.
Official page ↗
Visa
A sticker in your passport (temporary resident visa) that lets you travel to Canada. It does not by itself let you work or study.
Visitor visa · Official page ↗

Visiting

Business visitor
Someone who comes for short business activities (meetings, conferences) without entering the job market.
Official page ↗
Super visa
A long-term visa for parents and grandparents of Canadian citizens and PRs. Stay up to 5 years at a time.
Official page ↗
Visa-exempt
A citizen of a country that does not need a visitor visa. Air travellers still need an eTA.
Official page ↗
Visitor record
A document that extends or changes the conditions of your stay as a visitor.
Official page ↗

Studying

DLI · Designated Learning Institution
Designated Learning Institution. A school approved to host international students. You need an offer from one for a study permit.
Official page ↗
GIC · Guaranteed Investment Certificate
Guaranteed Investment Certificate. Often used to show proof of funds for a study permit.
Official page ↗
Letter of acceptance
The offer letter from your school. You need it to apply for a study permit.
LOA · Official page ↗
PAL · Provincial (or territorial) attestation letter
Provincial Attestation Letter. Most new study permit applicants need one from the province of their school.
TAL · Official page ↗
PGWP · Post-Graduation Work Permit
Post-Graduation Work Permit. An open work permit for graduates of eligible programs at eligible schools.
Official page ↗
SDS · Student Direct Stream
Student Direct Stream. A faster study permit stream that ended in November 2024.
Official page ↗
Study permit
Lets you study at a designated school in Canada. It shows your school, level and end date.
Official page ↗
TAL · Territorial attestation letter
Territorial Attestation Letter. The territory version of a PAL.
Official page ↗

Working

BOWP · Bridging Open Work Permit
Bridging Open Work Permit. Lets some PR applicants keep working while waiting for a decision.
Official page ↗
CETA · Comprehensive Economic and Trade Agreement
Canada–European Union trade agreement. Some EU workers can get LMIA-exempt work permits.
Official page ↗
CPTPP · Comprehensive and Progressive Agreement for Trans-Pacific Partnership
Comprehensive and Progressive Agreement for Trans-Pacific Partnership. Some workers from member countries can work without an LMIA.
Official page ↗
CUSMA · Canada–United States–Mexico Agreement
Canada–United States–Mexico Agreement. Lets some US and Mexican professionals work without an LMIA.
USMCA · NAFTA · Official page ↗
Employer compliance
Rules employers must follow for foreign workers (pay, duties, conditions). Breaking them can lead to fines or bans.
Official page ↗
Employer-specific work permit
A work permit tied to one employer, job and place, usually with an LMIA or an LMIA-exempt offer.
Closed work permit · Official page ↗
GTS · Global Talent Stream
Global Talent Stream. A fast LMIA stream for some tech and highly skilled jobs.
Official page ↗
IEC · International Experience Canada
International Experience Canada. Working holiday, Young Professionals and Co-op permits for young people from partner countries.
Working Holiday · Official page ↗
IMP · International Mobility Program
International Mobility Program. Work permits that do not need an LMIA.
Official page ↗
Intra-company transfer
A work permit for staff moved by a multinational company to its Canadian branch, without an LMIA.
ICT · Official page ↗
Job offer
A written offer from a Canadian employer. Some programs need it, some give points for it.
Official page ↗
LMIA · Labour Market Impact Assessment
Labour Market Impact Assessment. An ESDC document an employer may need before hiring a foreign worker. A positive LMIA shows no Canadian was available.
Official page ↗
LMIA-exempt
A job offer that does not need an LMIA, for example under a trade agreement or intra-company transfer.
Official page ↗
Median wage
The middle wage for a job in a region. ESDC uses it to decide high-wage or low-wage LMIA streams.
Official page ↗
Open work permit
A work permit that lets you work for almost any employer in Canada.
OWP · Official page ↗
SAWP · Seasonal Agricultural Worker Program
Seasonal Agricultural Worker Program. Farm work for workers from Mexico and some Caribbean countries.
Official page ↗
SOWP · Spousal Open Work Permit
Spousal Open Work Permit. An open work permit for some spouses of students or workers.
Spouse open work permit · Official page ↗
TFWP · Temporary Foreign Worker Program
Temporary Foreign Worker Program. The ESDC program for jobs that need an LMIA.
Official page ↗
Work permit
Lets you work in Canada. It can be tied to one employer (employer-specific) or open.
Official page ↗

Permanent residence programs

Agri-Food Pilot
A pilot for workers in meat processing, mushroom and greenhouse crop and livestock jobs. It ended May 14, 2025; IRCC is still processing applications it accepted before then.
AFP · Official page ↗
AIP · Atlantic Immigration Program
Atlantic Immigration Program. PR for workers and graduates hired by designated employers in NS, NB, PEI and NL.
Official page ↗
Caregiver programs
PR pathways for home child care and home support workers.
Home Care Worker · HCCWP · HSWP · Official page ↗
Category-based selection
Express Entry draws for people in a field (e.g. health care, trades, education, French) instead of only the highest scores. IRCC sets the categories each year.
Category draw · Official page ↗
CEC · Canadian Experience Class
Canadian Experience Class. For people with at least 1 year of skilled work experience in Canada. Managed through Express Entry.
Official page ↗
COPR · Confirmation of Permanent Residence
Confirmation of Permanent Residence. The document you get when your PR application is approved. Bring it when you land.
Official page ↗
EE · Express Entry
Short for Express Entry.
Official page ↗
Express Entry
The online system for three federal economic programs (FSW, CEC, FST). Candidates are ranked by CRS score and invited in draws.
EE · Official page ↗
FCIP · Francophone Community Immigration Pilot
Francophone Community Immigration Pilot. PR for French-speaking workers in selected communities outside Quebec.
Official page ↗
FST · Federal Skilled Trades Program
Federal Skilled Trades Program. For qualified tradespeople with a job offer or certificate. Managed through Express Entry.
FSTP · Official page ↗
FSW · Federal Skilled Worker Program
Federal Skilled Worker Program. For skilled workers with foreign work experience. Managed through Express Entry.
FSWP · Official page ↗
Landing
The day you become a permanent resident, at a port of entry or online. You confirm your PR then.
Landed · Landed immigrant · Official page ↗
RCIP · Rural Community Immigration Pilot
Rural Community Immigration Pilot. Community-recommended PR for workers in selected rural communities.
Official page ↗
RNIP · Rural and Northern Immigration Pilot
Rural and Northern Immigration Pilot. An earlier community-based pilot, replaced by the Rural Community Immigration Pilot.
Official page ↗
Self-employed Persons Program
PR for people with experience in cultural or athletic activities. New applications are paused.
Official page ↗
Start-up Visa
PR for entrepreneurs backed by a designated venture capital fund, angel investor group or business incubator. Paused: IRCC only accepted people with a valid 2025 commitment certificate, until June 30, 2026.
SUV · Official page ↗

Provincial programs

AAIP · Alberta Advantage Immigration Program
Alberta Advantage Immigration Program. Alberta’s PNP.
Official page ↗
BC PNP · British Columbia Provincial Nominee Program
British Columbia Provincial Nominee Program. BC’s PNP, with skills immigration and entrepreneur streams.
Official page ↗
Enhanced nomination
A PNP nomination through an Express Entry stream. It adds 600 CRS points.
Base nomination · Official page ↗
EOI · Expression of Interest
Expression of Interest. A profile you submit to some provinces, which then invite the highest-ranked people.
Official page ↗
MPNP · Manitoba Provincial Nominee Program
Manitoba Provincial Nominee Program. Manitoba’s PNP.
Official page ↗
NBPNP · New Brunswick Provincial Nominee Program
New Brunswick Provincial Nominee Program. New Brunswick’s PNP.
Official page ↗
NLPNP · Newfoundland and Labrador Provincial Nominee Program
Newfoundland and Labrador Provincial Nominee Program.
Official page ↗
NSNP · Nova Scotia Nominee Program
Nova Scotia Nominee Program. Nova Scotia’s PNP.
Official page ↗
NTNP · Northwest Territories Nominee Program
Northwest Territories Nominee Program.
Official page ↗
OINP · Ontario Immigrant Nominee Program
Ontario Immigrant Nominee Program. Ontario’s PNP.
Official page ↗
PEI PNP · Prince Edward Island Provincial Nominee Program
Prince Edward Island Provincial Nominee Program. PEI’s PNP.
Official page ↗
PNP · Provincial Nominee Program
Provincial Nominee Program. A province or territory nominates people for PR. Some streams are linked to Express Entry.
Provincial nomination · Official page ↗
SINP · Saskatchewan Immigrant Nominee Program
Saskatchewan Immigrant Nominee Program. Saskatchewan’s PNP.
Official page ↗
YNP · Yukon Nominee Program
Yukon Nominee Program. Yukon’s PNP.
Official page ↗

Quebec

CAQ · Certificat d’acceptation du Québec
Certificat d’acceptation du Québec. Quebec acceptance certificate needed by most students and some workers in Quebec.
Official page ↗
CSQ · Certificat de sélection du Québec
Certificat de sélection du Québec. The Quebec selection certificate you need before applying for PR to live in Quebec.
Quebec Selection Certificate · Official page ↗
MIFI · Ministère de l’Immigration, de la Francisation et de l’Intégration
Ministère de l’Immigration, de la Francisation et de l’Intégration. Quebec’s immigration ministry.
Official page ↗
PEQ · Programme de l’expérience québécoise
Programme de l’expérience québécoise. A Quebec program for people who studied or worked in Quebec. Quebec has suspended and changed it; check Québec.ca for whether it is open.
Official page ↗
PSTQ · Programme de sélection des travailleurs qualifiés
Programme de sélection des travailleurs qualifiés. Quebec skilled worker selection program.
Official page ↗
Quebec business immigration
Quebec programs for investors, entrepreneurs and self-employed people.
Official page ↗
Quebec Skilled Worker
Quebec selects its own skilled workers. After Quebec approves you (CSQ), you apply to IRCC for PR.
QSW · PRTQ · Official page ↗

Family

Common-law partner
A person you have lived with in a marriage-like relationship for at least 12 months in a row.
Official page ↗
Conjugal partner
A partner of at least one year whom you could not live with or marry because of serious barriers.
Official page ↗
Dependent child
A child under 22 who is not married or in a common-law relationship, or older if they depend on you because of a condition.
Dependant · Official page ↗
Family sponsorship
A citizen or PR sponsors a spouse, partner, child, parent or grandparent for PR and promises to support them.
Sponsor · Official page ↗
MNI · Minimum Necessary Income
Minimum Necessary Income. The income a sponsor of parents or grandparents must show.
Official page ↗
PGP · Parents and Grandparents Program
Parents and Grandparents Program. Lets citizens and PRs sponsor parents and grandparents. Intake is limited.
Official page ↗
Spousal sponsorship
Sponsoring your spouse, common-law or conjugal partner for PR.
Spouse sponsorship · Official page ↗
Undertaking
The sponsor’s legal promise to support the people they sponsor for a set number of years.
Official page ↗

Refugees and humanitarian

Asylum claim
A claim for refugee protection made in Canada or at the border.
Refugee claim · Official page ↗
H&C · Humanitarian and compassionate grounds
Humanitarian and compassionate grounds. An exceptional request to stay or get PR based on ties to Canada and hardship, for people who would not otherwise qualify or are inadmissible.
Official page ↗
Protected person
Someone the IRB or IRCC has found to be a refugee or in need of protection. They can apply for PR.
Official page ↗
PRRA · Pre-Removal Risk Assessment
Pre-Removal Risk Assessment. A check of the risk you would face before being removed from Canada.
Official page ↗
Refugee
A person outside their home country who cannot return because of a well-founded fear of persecution.
Asylum · Official page ↗

Applications and process

ADR · Additional document request
Additional document request. IRCC asks you to send more documents.
Official page ↗
AOR · Acknowledgment of Receipt
Acknowledgment of Receipt. Confirms IRCC received your complete application.
Official page ↗
Application fee
The fee you pay to IRCC for an application. It is listed on the fee list.
Fees · Official page ↗
ATIP · Access to Information and Privacy
Access to Information and Privacy. The way to request your own government records, such as GCMS notes.
Official page ↗
BIL · Biometric Instruction Letter
Biometric Instruction Letter. Tells you to give biometrics within 30 days.
Official page ↗
Biometrics
Fingerprints and a photo taken at a service point. Needed for most visa, permit and PR applications.
Official page ↗
Cut-off score
The lowest CRS score invited in a draw.
Cut-off · Official page ↗
Draw
A round of invitations. IRCC or a province invites candidates above a cut-off score.
Round of invitations · Official page ↗
GCMS · Global Case Management System
Global Case Management System. IRCC’s internal file system. People request GCMS notes to see officer notes.
GCMS notes · ATIP · Official page ↗
IME · Immigration Medical Exam
Immigration Medical Exam. A medical exam by an IRCC-approved panel physician.
Medical exam · Official page ↗
IMM
The prefix of IRCC form numbers, for example IMM 5257 or IMM 0008.
IRCC forms · Official page ↗
Inadmissible
Not allowed to enter or stay in Canada, for example because of crime, health, false information or security.
Inadmissibility · Official page ↗
IRCC account
Your online account to apply and check applications. You sign in with GCKey or a bank sign-in partner.
GCKey · Official page ↗
ITA · Invitation to Apply
Invitation to Apply. Sent to Express Entry candidates picked in a draw. You then have 60 days to apply.
Official page ↗
Levels Plan
The yearly plan that sets how many new PRs Canada will admit in each category.
Immigration Levels Plan · Official page ↗
Ministerial instructions
Rules the immigration minister issues, for example for Express Entry draws and caps.
Official page ↗
Misrepresentation
Giving false information or hiding facts. It can lead to a 5-year ban.
Official page ↗
Panel physician
A doctor approved by IRCC to do immigration medical exams.
Official page ↗
Police certificate
A criminal record check from each country where you lived 6 months or more since age 18.
PCC · Police clearance · Official page ↗
PPR · Passport request
Passport request. IRCC asks for your passport to put a visa in it, often near the end of a PR application.
Official page ↗
Principal applicant
The main person on an application. Spouses and children are family members or dependants.
PA · Official page ↗
Procedural fairness letter
A letter giving you a chance to answer an officer’s concerns before a decision.
PFL · Official page ↗
Processing time
How long IRCC is taking to process most applications of a type. It changes often.
Official page ↗
Profile
Your Express Entry or provincial online record. A profile is not an application.
Official page ↗
Proof of funds
Money you show to prove you can support yourself (and family) in Canada. Required for study permits and some PR programs.
Settlement funds · Official page ↗
RCIC · Regulated Canadian Immigration Consultant
Regulated Canadian Immigration Consultant. A licensed consultant who can charge to help with immigration.
Official page ↗
Representative
Someone who helps you with an application. Only authorized representatives (RCIC, lawyer, notary in Quebec) can charge a fee.
Immigration consultant · Official page ↗
RPRF · Right of Permanent Residence Fee
Right of Permanent Residence Fee. A fee paid by most adult PR applicants before the visa is issued.
Official page ↗
Tie-breaking rule
When candidates share the cut-off score, those who created their profiles earlier are invited first.
Official page ↗
TRP · Temporary Resident Permit
Temporary Resident Permit. Lets an inadmissible person come to Canada for a justified reason.
Official page ↗
UCI · Unique Client Identifier
Unique Client Identifier. Your IRCC client number, shown on visas and permits.
Official page ↗
VAC · Visa Application Centre
Visa Application Centre. A private company office, authorized by IRCC, where you give biometrics or send documents.
VFS · Official page ↗

Points, jobs and credentials

Arranged employment
A valid job offer. Since March 25, 2025 it no longer adds CRS points, but it can still count for FSW, FST and many PNP streams.
Valid job offer · Official page ↗
CRS · Comprehensive Ranking System
Comprehensive Ranking System. The points (up to 1,200) used to rank Express Entry candidates.
Official page ↗
ECA · Educational Credential Assessment
Educational Credential Assessment. A report that compares your foreign degree to a Canadian one.
Official page ↗
NOC · National Occupational Classification
National Occupational Classification. Canada’s system of job codes. Programs use it to decide which jobs count.
Official page ↗
STEM · Science, Technology, Engineering and Mathematics
Science, technology, engineering and math. An Express Entry category IRCC has used in past draws. Check the current category list.
Official page ↗
TEER · Training, Education, Experience and Responsibilities
Training, Education, Experience and Responsibilities. The 0–5 skill category inside NOC 2021. TEER 0–3 is skilled work for Express Entry.
Official page ↗
WES · World Education Services
World Education Services. One of the organizations designated to do ECAs.
Official page ↗

Language

CELPIP · Canadian English Language Proficiency Index Program
Canadian English Language Proficiency Index Program. An English test accepted by IRCC (CELPIP-General).
Official page ↗
CLB · Canadian Language Benchmarks
Canadian Language Benchmarks. A 1–12 scale for English ability.
Official page ↗
CLIC · Cours de langue pour les immigrants au Canada
Cours de langue pour les immigrants au Canada. Free French classes for newcomers (the French version of LINC).
Official page ↗
Francisation · Francisation Québec
Free French classes for immigrants in Quebec.
Official page ↗
IELTS · International English Language Testing System
International English Language Testing System. IRCC accepts the IELTS General Training test.
Official page ↗
LINC · Language Instruction for Newcomers to Canada
Language Instruction for Newcomers to Canada. Free English classes for permanent residents.
Official page ↗
NCLC · Niveaux de compétence linguistique canadiens
Niveaux de compétence linguistique canadiens. The French version of CLB.
Official page ↗
PTE Core · Pearson Test of English Core
Pearson Test of English Core. An English test accepted by IRCC for economic programs.
PTE · Official page ↗
TCF Canada · Test de connaissance du français
Test de connaissance du français. A French test accepted by IRCC.
TCF · Official page ↗
TEF Canada · Test d’évaluation de français
Test d’évaluation de français. A French test accepted by IRCC.
TEF · Official page ↗

Citizenship

Citizenship ceremony
The event where you take the Oath of Citizenship and become a citizen.
Oath of Citizenship · Official page ↗
Citizenship test
A test on Canada’s history, geography, government and rights, for adults 18–54 applying for citizenship.
Official page ↗
Discover Canada
The official study guide for the citizenship test.
Official page ↗
Physical presence
To apply for citizenship you need 1,095 days in Canada in the last 5 years.
1,095 days · Official page ↗

Settling in

CICIC · Canadian Information Centre for International Credentials
Canadian Information Centre for International Credentials. Information on getting credentials recognized.
Official page ↗
Foreign credential recognition
Getting your foreign education or licence recognized for work in Canada, especially for regulated jobs.
Credential recognition · Official page ↗
Health card
Your provincial health insurance card. Each province has its own rules and waiting periods.
OHIP · MSP · RAMQ · Provincial health insurance · Official page ↗
Job Bank
The Government of Canada job board, with wages and job outlooks.
Official page ↗
Landlord and Tenant Board
Ontario’s tribunal for rental disputes. Other provinces have similar boards.
LTB · RTB · Residential tenancy branch · Official page ↗
Newcomer
A person who has recently come to live in Canada.
Recent immigrant · Official page ↗
OHIP · Ontario Health Insurance Plan
Ontario Health Insurance Plan. Ontario’s public health insurance.
Official page ↗
Pre-arrival services
Free settlement help you can get online before you move to Canada.
Official page ↗
PRESTO
The transit fare card used in the Toronto area and Ottawa.
Transit card · Official page ↗
RAMQ · Régie de l’assurance maladie du Québec
Régie de l’assurance maladie du Québec. Quebec’s public health insurance.
Official page ↗
Regulated occupation
A job that needs a licence from a provincial body (e.g. nurse, engineer, electrician).
Official page ↗
Settlement services
Free government-funded help for newcomers: orientation, jobs, language, housing and more.
Settlement agency · Official page ↗
SPO · Service Provider Organization
Service Provider Organization. A settlement agency funded by IRCC.
Official page ↗
Standard lease
Ontario’s required rental agreement form for most homes.
Official page ↗
Tenant insurance
Insurance for your belongings and liability when you rent.
Official page ↗
TTC · Toronto Transit Commission
Toronto Transit Commission. Toronto’s subway, bus and streetcar system.
Official page ↗

Money and taxes

Basic personal amount
Income you can earn each year before paying income tax. Federal and provincial amounts differ.
BPA · Official page ↗
CCB · Canada Child Benefit
Canada Child Benefit. A tax-free monthly payment for families with children under 18.
Official page ↗
CPP · Canada Pension Plan
Canada Pension Plan. Contributions taken from your pay that give you a pension later.
Official page ↗
Credit score
A number (300–900) showing how reliably you pay debts. Landlords and lenders check it.
Credit history · Credit report · Official page ↗
EI · Employment Insurance
Employment Insurance. Contributions from your pay that support you if you lose your job, or during parental leave.
Official page ↗
FHSA · First Home Savings Account
First Home Savings Account. Tax-free savings to buy your first home.
Official page ↗
GST · Goods and Services Tax
Goods and Services Tax. The 5% federal sales tax.
Official page ↗
GST/HST credit
A tax-free quarterly payment for people with low and modest incomes. The CRA page says it has been renamed the Canada Groceries and Essentials Benefit.
GST credit · Canada Groceries and Essentials Benefit · Official page ↗
HST · Harmonized Sales Tax
Harmonized Sales Tax. Federal and provincial sales tax combined, used in ON and the Atlantic provinces.
Official page ↗
My Account
The CRA online account for your taxes and benefits.
CRA My Account · Official page ↗
NOA · Notice of Assessment
Notice of Assessment. The CRA summary after it processes your tax return.
Official page ↗
OAS · Old Age Security
Old Age Security. A monthly pension from age 65 for people who meet the residence rules.
Official page ↗
Policy rate
The Bank of Canada’s key interest rate. It affects mortgage, loan and savings rates.
Overnight rate · Key interest rate · Official page ↗
Posted rate
The mortgage rate a bank advertises. Many people get a lower, discounted rate.
Official page ↗
Prime rate
The rate banks base variable loans and mortgages on. It usually moves with the policy rate.
Official page ↗
PST · Provincial Sales Tax
Provincial Sales Tax. A separate sales tax in BC, SK and MB (QST in Quebec).
QST · Official page ↗
QPIP · Quebec Parental Insurance Plan
Quebec Parental Insurance Plan. Quebec’s parental leave benefits (instead of EI parental benefits).
Official page ↗
QPP · Quebec Pension Plan
Quebec Pension Plan. Quebec’s version of CPP.
Official page ↗
RESP · Registered Education Savings Plan
Registered Education Savings Plan. Savings for a child’s education, with government grants added.
Official page ↗
RRSP · Registered Retirement Savings Plan
Registered Retirement Savings Plan. Retirement savings that lower your taxable income now.
Official page ↗
SIN · Social Insurance Number
Social Insurance Number. A 9-digit number you need to work in Canada and to get government benefits.
Official page ↗
T4
The slip your employer gives you each year showing your pay and deductions.
Official page ↗
Tax return
The yearly form you file with the CRA (usually by April 30) to report income and get benefits.
File taxes · Official page ↗
TD1
The form you give your employer so it deducts the right amount of tax.
Official page ↗
TFSA · Tax-Free Savings Account
Tax-Free Savings Account. Savings and investment gains in it are not taxed.
Official page ↗

Government agencies

Bank of Canada
Canada’s central bank. Sets the policy interest rate and publishes official exchange rates.
BoC · Official page ↗
Canadian Anti-Fraud Centre
Where to report scams, including fake immigration and rental scams.
CAFC · Official page ↗
CBSA · Canada Border Services Agency
Canada Border Services Agency. Border officers who check you when you arrive.
Official page ↗
CICC · College of Immigration and Citizenship Consultants
College of Immigration and Citizenship Consultants. The regulator of immigration consultants.
Official page ↗
CMHC · Canada Mortgage and Housing Corporation
Canada Mortgage and Housing Corporation. Federal housing agency: rental market data and renter guides.
Official page ↗
CRA · Canada Revenue Agency
Canada Revenue Agency. Collects taxes and pays many benefits.
Official page ↗
ESDC · Employment and Social Development Canada
Employment and Social Development Canada. Runs the LMIA, SIN, EI and CPP.
Official page ↗
FCAC · Financial Consumer Agency of Canada
Financial Consumer Agency of Canada. Explains your rights with banks and credit.
Official page ↗
IRB · Immigration and Refugee Board
Immigration and Refugee Board of Canada. An independent tribunal that decides refugee claims and some appeals.
Official page ↗
IRCC · Immigration, Refugees and Citizenship Canada
Immigration, Refugees and Citizenship Canada. The federal department for visas, permits, PR and citizenship.
CIC · Official page ↗
Service Canada
The ESDC offices where you get a SIN and help with EI, CPP and passports.
Official page ↗
Statistics Canada
Canada’s national statistics agency.
StatCan · StatsCan · Official page ↗

Choose your area

News and guides for your province and city come first.
Ontario
British Columbia
Alberta
Quebec · Quebec immigration programs are not covered
Manitoba
Saskatchewan
Nova Scotia
New Brunswick
Newfoundland and Labrador
Prince Edward Island
Yukon
Northwest Territories
Nunavut