What should Expats do when they first move to Qatar?

Moving to a new country is exciting but it can also feel overwhelming, especially in those first few weeks. Qatar is an incredibly welcoming place for expats, but getting properly set up is essential to ensure a smooth transition and future financial security. Here’s a practical step-by-step guide for what to do when you first arrive:

Step 1: Get Your QID

Your Qatar ID (QID) is the most important document you’ll need. It’s issued once your residence permit is processed by your sponsor or employer. Without it, you won’t be able to open a bank account, sign a rental contract, or even get a mobile phone plan. The process typically involves a medical check, fingerprinting, and a few weeks of waiting. Once issued, keep it safe, this ID will be used for everything.

Step 2: Open a Qatari Bank Account

With your QID in hand, you can now open a local bank account. Most employers require a local account for salary payments. Qatar has a wide range of banks to choose from. It’s worth comparing account features, fees, and mobile app usability before committing. Some banks also offer expat-specific services, including options for international transfers and multi-currency accounts.

Step 3: Set Up a Mobile Phone Contract

You’ll need a Qatari phone number for everything from accessing government apps to verifying online payments. A valid QID and a bank card are usually required to set up a monthly plan.

Step 4: Secure Accommodation

Whether you’re being provided with housing through your employer or searching privately, understanding the rental market is crucial. Rental agreements are typically annual, and you’ll often be asked for post-dated cheques for the full term. It’s also worth checking whether your rent includes utilities and maintenance.

Step 5: Arrange Local Medical Cover

Many companies provide health insurance, but it’s important to confirm exactly what’s covered. Basic medical services in Qatar are offered through Hamad Medical Corporation, and access to the public healthcare system requires a health card. For many, the basic health cover provided by your employer is not adequate so make sure to check what health issues are covered and at what hospitals.

Step 6: Review Life Insurance and Critical Illness Cover

Living abroad often means your home-country insurance policies may no longer be valid. Many expats overlook this until it’s too late. If you have dependents or financial obligations back home, it’s essential to have portable, international life insurance that provides global coverage regardless of where you live.

Critical illness cover is just as important. A diagnosis of cancer, stroke, or a serious condition can derail both your health and financial plans. An international policy can offer a lump-sum payout, helping you cover treatment costs, repatriation, or a temporary (or permanent) break from work.

Unlike employer-provided life insurance, a personal policy stays with you even if you change jobs, move countries, or return home. Policies can be tailored to your needs and paid in major currencies like GBP, USD, or EUR, helping you protect your family and your financial future no matter where life takes you.

Step 7: Set Up an Investment Policy

Once you’re settled, it’s a great time to review your long-term financial goals. With no income tax in Qatar, many expats find they have more disposable income than in their home countries. However, without a national pension scheme, it’s vital to plan for retirement, education funding, and wealth preservation yourself. Setting up a tailored investment policy can help you take advantage of your time in Qatar and make your money work harder for you.