The Ultimate Expat Arrival Checklist: Your First 30 Days in Estonia

That first breath of crisp, clean Estonian air. It’s a mix of pine, sea salt, and the thrilling scent of a new beginning. You’ve made it. The boxes are here (or on their way), your visa is stamped, and a whole new chapter is waiting to be written. But as the initial excitement settles, a wave of "what now?" can hit you. Hard.

Trust me, I’ve been there. The first 30 days in a new country are a whirlwind of paperwork, new routines, and trying to figure out which milk is the one you actually want. It’s a marathon of admin tasks disguised as a sprint. But don’t worry. This checklist is your step-by-step guide to navigating your first month in Estonia, helping you move from feeling like a visitor to feeling right at home in this beautiful, digital-savvy nation.

Let’s break it down, week by week.

Week 1: The Foundations - Legal & Digital Essentials

The first week is all about laying the groundwork. These are the non-negotiable steps that unlock everything else in your new Estonian life. Get these done, and you’ll be able to breathe a whole lot easier.

Your First 72 Hours: The Absolute Must-Dos

Before you even think about bureaucracy, sort out these basics:

1. Get a Local SIM Card: Don’t bleed money on roaming. Head to an R-kiosk (they’re everywhere, including the airport) or a provider’s store. The main players are Telia, Elisa, and Tele2. A prepaid SIM (kõnekaart) is the easiest to start with. You can grab one for a few euros and top it up easily via their app or in any major supermarket. This number will be vital for setting up bank accounts and other services.

2. Master Public Transport: If you're in Tallinn, get a green Ühiskaart (public transport card). You can buy it from an R-kiosk or supermarket service desk for €2. Load it with money, and then you can either buy a 30-day pass (around €30 for an adult) or use pay-as-you-go. Just tap the card on the reader every time you board a bus, tram, or trolley. Remember, if you become an official resident of Tallinn, public transport is free! But you still need to register your card to your name and tap it each time.

Securing Your Legal Status: The ID-Card is King

You likely arrived on a D-visa. Now, it’s time to get your Temporary Residence Permit (TRP) in card form and officially register your life here. The Estonian ID-card is not just a piece of plastic; it’s the key to the entire digital kingdom of e-Estonia.

• Step 1: Register Your Address. This is your top priority. By law, you must register your place of residence with the local government authority within 30 days of arrival. You'll need your signed rental contract and often a signed consent form from the property owner (the landlord can provide this). This simple act officially makes you a resident of your city or municipality. In Tallinn, you'll visit a City District Government office.

• Step 2: Book Your PPA Appointment. The Police and Border Guard Board (PPA, or Politsei- ja Piirivalveamet) is where you'll give your fingerprints and get your photo taken for your residence permit card. Do not just show up. You must book an appointment online through the PPA's broneering site. Slots can be weeks out, so book this the moment you have your rental contract. Seriously.

• Step 3: Collect Your Estonian ID-Card. After your appointment, it takes about 10-14 days for your card to be ready. You'll get an email notification. When you pick it up, you’ll be given a sealed envelope with your PIN codes. Guard these with your life.

  • PIN1: For authentication (proving you are you when logging into services).
  • PIN2: For digital signatures (legally binding, same as a handwritten signature).
  • PUK: To unlock your PINs if you enter them incorrectly too many times.

With this card and a smart card reader, you can do almost anything online: file taxes in five minutes, access your health records, sign documents, and vote. Welcome to the future.

Week 2: Getting Financially Settled

Now that your legal status is in process, it’s time to manage your money.

Opening a Bank Account

Having an Estonian bank account is essential for receiving your salary and paying bills. The main banks for expats are:

• LHV: An Estonian bank, very modern and tech-focused with an excellent English-language mobile app. Often the favorite in the expat and tech communities.
• Swedbank: A large Swedish bank with a huge network of ATMs and branches. A very reliable, traditional choice.
• SEB: Another major Swedish bank, similar in scope and services to Swedbank.

How to open an account:

1. Book an appointment online. Most banks require this.
2. Gather your documents. You will absolutely need your passport. Crucially, most banks will now want to see your residence permit card or at least proof that your application is in process and your address is registered. Bring your rental contract and employment contract as well, as they help prove your ties to Estonia.
3. The in-person visit. The meeting itself is straightforward. The banker will verify your identity, ask about the purpose of the account, and set you up. Your bank card will be mailed to your registered address a few days later.

Understanding Your First Paycheck & Taxes

Estonia is known for its simple and transparent tax system. As of early 2025, here’s the snapshot:

• Flat Income Tax: A flat rate of 20% is withheld from your salary.
• Social Tax: 33% is paid by your employer on top of your gross salary. This funds your healthcare and pension. It does not come out of your stated salary.
• Unemployment Insurance: A small percentage is contributed by both you (1.6%) and your employer (0.8%).
• Tax-Free Allowance: There is a basic tax-free allowance of up to €654 per month (€7,848 per year). This amount decreases as your income increases. Your company's accountant will usually handle this, but it’s good to confirm with them that they are applying it.

Once your ID-card is active, you can log into the e-Tax and Customs Board (e-MTA) to view your tax information anytime.

Week 3: Health & Home Life

With the core legal and financial admin underway, you can focus on making your life comfortable and secure.

Navigating the Healthcare System

Estonia has a high-quality, public healthcare system funded by the social tax your employer pays.

• Step 1: Check Your Health Insurance. Once you are employed and registered, your employer will register you with the Estonian Health Insurance Fund (Tervisekassa). You can check your coverage status on the state portal, eesti.ee. It can take up to 14 days from your employment start date to become active.

• Step 2: Register with a Family Doctor (Perearst). This is your gateway to the healthcare system. You need a family doctor for everything from a common cold to getting a referral for a specialist. This is a critical step many expats delay.

  1. Go to the Tervisekassa website to find a list of family doctors in your city district who have open patient lists.
  2. Choose a doctor.
  3. Fill out an application form (available on the doctor's clinic website or the Tervisekassa site) and submit it to the clinic.
  4. The clinic has seven working days to accept or decline your application.

Pro-Tip: This can take time, as popular doctors in expat-heavy areas like Tallinn's Kesklinn (city center) are often full. Start the process early! In the meantime, for urgent but non-emergency care, you can use private clinics like Confido or Medicum, though you will have to pay out-of-pocket.

Setting Up Your Home

Your apartment is your sanctuary. Here’s how to make it functional:

• Utilities: In most rentals, water, heating, and building maintenance are included in the kommunaal (utility bill) you get from the building association via your landlord. Electricity is often separate.
• Internet: You'll need to sign a contract yourself. Telia and Elisa are the main providers of home internet. Expect to pay €25-€40 per month for fast fiber-optic connections. They will send a technician to get you set up.
• Shopping for Essentials:
  • Groceries: Prisma, Rimi, and Selver are the big three. Lidl offers great value. For a more "Whole Foods" experience, check out the food court at Stockmann or Kaubamaja.
  • Furniture & Home Goods: For budget-friendly basics, Jysk and Home4You are good. Many Estonians order from IKEA (the closest physical stores are in Latvia and Finland, but they have excellent delivery services to Estonia). For secondhand treasures, check Facebook Marketplace and local Uuskasutuskeskus (Reuse Centers).

Week 4: Integration & Embracing Estonian Life

You've survived the paperwork! Now, the real fun begins. It's time to connect with the culture and the people.

Language and Culture

While you can get by with English in Tallinn, learning a few words of Estonian will open doors and earn you immense respect.

• "Tere" – Hello
• "Aitäh" – Thank you
• "Palun" – Please / You're welcome
• "Vabandust" – Excuse me / Sorry

Look into the Settle in Estonia program. It’s a free state-sponsored adaptation program that includes a fantastic A1-level language course and modules on Estonian life, culture, and work. It's an invaluable resource for newcomers.

Culturally, you might notice Estonians can seem reserved at first. This isn't unfriendliness; it's just a different communication style. Small talk isn't a big thing, but once you make a connection, you’ll find people to be incredibly sincere, loyal, and witty. Also, prepare to embrace nature. Estonians love their forests, bogs, and saunas. An invitation to a summer cottage or a sauna is a true sign of friendship.

Building Your Community

Don't let yourself get isolated. Put yourself out there.

• Online Groups: Join "Expats in Tallinn/Estonia" and other similar groups on Facebook. They are a goldmine of information and a great way to ask questions and meet people.
• International House of Estonia: Based in Tallinn, they offer free consultations for expats on legal and practical matters, and they host regular networking events.
• Meetup & Hobbies: Whatever your interest—hiking, board games, coding, pottery—there’s likely a group for it. Check Meetup.com or just search for local clubs.

Your New Beginning

The first month is a whirlwind, but it’s also the foundation of your new life. Be patient with the process and, most importantly, be patient with yourself. You've made a brave and exciting move.

Take time to walk through the medieval Old Town, catch a ferry to an island, or just enjoy a coffee in a quiet Kalamaja café. You’ve done the hard part. Now it’s time to enjoy the reward: building a life in one of Europe’s most unique, dynamic, and beautiful countries.

Welcome to Estonia. Tere tulemast!