The global distribution of marine species, many of which disperse during the larval stages, is influenced by ocean temperature regimes. Here, we test how temperature and the coral symbionts (Symbiodinium) affect survival, symbiont uptake, settlement success and habitat choice of Acropora millepora larvae. Experiments were conducted at Heron Island (Australia), where larvae were exposed to 22.5, 24.5, 26.5 and 28.5°C. Within each temperature treatment, larvae were offered symbionts with distinct characteristics: (i) homologous Symbiodinium type C3, (ii) regionally homologous thermo-tolerant type D1, and (iii) heterologous thermo-tolerant type C15, as well as controls of (iv) un-filtered and (v) filtered seawater. Results show that lower instead of higher temperatures adversely affected recruitment by reducing larval survival and settlement. Low temperatures also reduced recruit habitat choice and initial symbiont densities, both of which impact on post-settlement survival. At lower temperatures, larvae increasingly settle away from preferred vertical surfaces and not on crustose coralline algae (CCA). Surprisingly, substrate preference to CCA was modified by the presence of specific symbiont genotypes that were present ex-hospite (outside the coral larvae). When different symbionts were mixed, the outcomes were non-additive, indicating that symbiont interactions modify the response. We propose that the observed influence of ex-hospite symbionts on settlement behaviour may have evolved through ecological facilitation and the study highlights the importance of biological processes during coral settlement.