Visiting rather than moving?
Visitors are an important audience too. Start with the short-visit entry rules in section 1, compare arrival-day data, and use the transport tips in section 7. The renting, work and household setup steps mainly concern people settling here. An ETA is not permission to relocate, and the health section should not be read as a promise of visitor eligibility.
About this guide. It covers England; rules differ elsewhere in the UK. This version uses ordinary provider links and contains no paid referral or affiliate links. Any future paid recommendation will be labelled Ad — we receive a commission or reward if you use this link, right beside it.
Your arrival checklist
Tick things off as you go. Your ticks stay in this browser only.
Before you travel
Permission to enter, what to pack, and how to have money and data on day one.
Permission to enter
- A short visit: some visa-exempt travellers need an ETA; people with a UK visa or permission to live, work or study, and British or Irish citizens, are among those exempt. An ETA does not authorise ordinary employment or living in the UK. Check ETA activities and exemptions for your situation.
- Moving to live or work: check the appropriate immigration route before travel. An eVisa is a digital record of your immigration status, accessed through your UKVI account. Check that your current passport is linked and follow the official UKVI guidance.
What to bring
- Passport, and access to your UKVI account if you have a visa
- Job offer or university letter, and the address where you’ll stay first
- Recent bank statements from home (some landlords and banks ask)
- Your driving licence, if you plan to drive
- A list of any regular medicines and their generic names
Money and data for day one
- Money for day one: compare transfer fees, exchange rates, eligibility and account protections. Wise is one option for international transfers; this is an ordinary provider link and pays us nothing.
- Data for day one: compare your existing roaming allowance with a local SIM or travel eSIM. Airalo is one option; this ordinary link pays us nothing. Check device compatibility and whether a plan includes a phone number.
- Book 2 to 4 weeks of temporary accommodation. Most landlords want to meet you or see ID in person, so renting from abroad is hard.
Your first week
A UK number, a bank account, and the share codes that prove your status.
A UK phone number
Compare prepaid and rolling monthly options. Check the commitment, credit checks, coverage, roaming, international calls and cancellation terms; “SIM-only” does not itself mean no contract.
Both are built around international calling. Compare the countries included before buying.
New pure PAYG customers: £10 minimum spend per 90 days; shortfalls are deducted. Check whether that suits light use.
These are ordinary provider links and pay us nothing. Read 1pMobile’s minimum-spend terms. Compare other networks too; eligibility and contract terms vary by plan.
A bank account
The honest problem
Traditional banks often ask for proof of address, and many landlords want a UK bank account. App-based banks are usually the way out of this loop.
- App banks such as Monzo and Revolut are popular with newcomers and quick to open. We don’t earn from them. Wise works well alongside a bank for international transfers.
- High-street banks (Barclays, HSBC, Lloyds, NatWest and others) are worth adding later, for example when you need a mortgage or want a branch.
Proving your status (visa holders)
You prove your right to work or rent with a share code from your UKVI account. Generate the one you’re asked for:
usually starts with W
usually starts with R
Never share your login details. Give the share code you were asked for, nothing more.
Finding a home
Renting in England: the rules that protect you, and the traps to avoid.
Reforms from 1 May 2026 concern assured private tenancies in England. Lodgers, halls and social housing have different rules: check your tenancy type.
From 1 May 2026
- Assured tenancies run on a rolling basis, for example weekly or monthly, without a fixed end date.
- Landlords can no longer evict you with a “no-fault” notice. They need a legal reason.
- A landlord can ask for at most one month’s rent in advance, and only after you’ve signed.
- Rent cannot rise in the first 12 months; thereafter, at most annually using Form 4A with two months’ notice. Above-market increases can be challenged.
- You can leave by giving two months’ notice.
- Blanket bans such as “no children” or “no benefits” are illegal.
- Landlords must advertise a specific rent and cannot accept or encourage bids above it.
Still applies: Tenant Fees Act 2019
- Deposit: a maximum of 5 weeks’ rent if the annual rent is under £50,000 (6 weeks if it’s £50,000 or more). It’s a ceiling, not a standard amount, so some landlords ask for less. Your landlord must protect it in a government-approved scheme within 30 days and tell you which one.
- Holding deposit to reserve a property: capped at 1 week’s rent.
- Right to rent check: landlords must check your immigration status (share code, or passport for British and Irish citizens).
Honest warnings
- In London and other big cities, good flats go within days. Have your documents ready before viewings.
- Budget for the first month’s rent, a deposit of up to 5 weeks’ rent and furniture if the flat is unfurnished. Try the budget calculator.
Never pay anything before seeing the property (in person or by live video) and checking that the agent or landlord is real. Fake listings are common.
Setting up your home
The bills that start on move-in day, and what each one is.
Council tax
A local tax on your home, paid to your council in monthly instalments. Register as soon as you move in. If you live alone, ask for the single-person discount.
Energy
~£1,723 a yearYour home already has a supplier when you arrive. Take photos of the meters on day one, tell that supplier, then compare. From 1 October to 31 December 2026, the price cap puts a typical dual-fuel bill at about £1,723 a year; fixed deals can be cheaper.
Water
Billed by your regional water company. You can’t choose your supplier.
Broadband
1 to 3 weeksCheck which providers reach your postcode before choosing, and order early. Full-fibre networks such as YouFibre, Hyperoptic or Community Fibre only cover some areas; the big names (BT, Sky, Virgin Media) cover most.
TV licence
£180 a yearFrom 1 April 2026. Needed if you watch live TV on any device or use BBC iPlayer. Netflix and other streaming apps alone don’t need one.
Day-one habit: take photos of the meters on the day you move in, then tell the existing supplier.
Health
Register with a GP early. You need less paperwork than you might think.
- Register with a GP (local doctor) as soon as you have somewhere to stay. Under NHS guidance you don’t need proof of address, immigration status, ID or an NHS number. Some surgeries still ask; they can refuse only for set reasons, such as a full list, and must tell you why in writing.
NHS 111, by phone or online, for urgent problems that aren’t emergencies.
For emergencies.
- Prescriptions cost £9.90 per item in England in 2026/27 (NHS prescriptions are free in Scotland, Wales and Northern Ireland; NI guidance). If you need several items a year, a 12-month prepayment certificate (£114.50) can save money. Paying the Immigration Health Surcharge doesn’t make prescriptions free.
- Dentists: NHS dental appointments can be hard to find. Start looking early, and expect to pay a set NHS charge.
Work, tax and National Insurance
You can start work before your NI number arrives.
- National Insurance (NI) number: you can start work while waiting for one if you can prove your right to work. Check whether you already have a number and apply if needed.
- Income tax: the first £12,570 a year is tax-free (2026/27). Above that, 20% basic rate in England, Wales and Northern Ireland; Scotland has its own bands.
- Your first payslip may use an emergency tax code until your details reach HMRC. If you pay too much, it’s usually corrected later; the HMRC app shows your tax code.
Getting around
Useful whether you’re moving or visiting.
London
Tap in and out with a contactless card or phone; daily and weekly caps stop you overpaying.
Trains
Book ahead for long journeys, and look at railcards. Most cut a third off eligible fares.
Driving
Licence rules depend on where your licence is from. EU and EEA licences can usually be used for longer than others before you need to exchange; check your case on GOV.UK.
Money and credit
Your UK credit history starts at zero.
- Your UK credit history starts at zero. It affects phone contracts, credit cards and renting.
- Build it slowly: pay bills on time, keep accounts in your name and, if you’re eligible to vote, register on the electoral roll.
Scam alert: HMRC, the Home Office and banks don’t ask you to pay by gift card or crypto, or to move money to a “safe account”. Hang up and call the official number.
What nobody tells you
The parts that aren’t on any form.
- The first month is mostly admin, and that’s normal. Things that take a minute at home can take a week here.
- Everything asks for an address. Ask your employer, university or temporary host whether you can use their address for post at first.
- Winter is dark. In December, London gets roughly eight hours of daylight. Plan walks and sunlight; it helps.
A December day in London: roughly 8 hours of daylight out of 24.
- Making friends takes time. Clubs, sports teams, language exchanges and community groups work better than waiting for work friendships.
- Homesickness is real, often around months two to four. It usually passes.
How much cash to arrive with
A worked example you can change to fit your own situation.
Illustration only. These starting values are planning assumptions, not market prices or quotes. Replace every amount with costs for your location and circumstances.
- Temporary accommodation£1,120.00
- First month’s rent£1,500.00
- Deposit (5 weeks’ rent)£1,730.77
- Living costs until payday£600.00
- Contingency£500.00
Deposit = monthly rent × 12 ÷ 52 × 5 weeks (6 weeks if annual rent is £50,000 or more). The example: 14 nights at £80, rent of £1,500 a month, a tenancy within the five-week deposit cap.
- A deposit ties up cash and may be refundable; it is not the same as a fee.
- Avoid double-counting a holding deposit later credited to rent or the tenancy deposit.
- Add travel, immigration costs, furniture and any bills outside the living-cost allowance. Check the deposit rules.
Frequently asked questions
Can I get a UK SIM before I have an address?
Yes. Most SIM-only providers will post to a temporary address, and a travel eSIM covers the first days.
Which bank should I open first?
The one you can open fastest with your documents. For most newcomers that’s an app-based bank, with a high-street bank added later.
Do I need proof of address to see a doctor?
No. NHS guidance says you can register with a GP without proof of address, ID or immigration status.
How much money should I bring?
Enough for your temporary accommodation, a month’s rent in advance, a deposit of up to five weeks’ rent, and living costs until your first payday. Work it out with the calculator.
Is this guide independent?
The Honest Move explains practical arrival tasks using official guidance and provider information. Recommendations consider eligibility, total cost and limitations. This version uses ordinary links that pay us nothing. Any future paid recommendation will be clearly labelled; contributor experience is only described when verified.
Official links
Go to the source for anything that applies to you.
- Apply for an ETAGOV.UK
- View and prove your immigration statusGOV.UK
- Register with a GPNHS
- National Insurance numberGOV.UK
- Council taxGOV.UK
- Tenancy deposit protectionGOV.UK
- Energy price capOfgem
- TV licenceTV Licensing
Spotted something out of date? Tell us at [email protected] with the section and, if you can, the official source. How we work.