Everything You Need to Know About Living in Australia as a Student
Moving to Australia is an exciting step — and the more prepared you are before you arrive, the smoother your transition will be. This guide covers everything you need to know about life in Australia as an international student, from planning your departure and arriving for the first time through to accommodation, visa compliance, work rights, living costs, health, banking and transport. Use the tabs to navigate to the topic most relevant to where you are in the process.
Living in Australia as an International Student
Moving to a new country is a significant change — but Australia is one of the most supportive study destinations in the world for international students. Your institution will have dedicated international student support services, and a network of government and community organisations provide additional help on everything from accommodation and health to legal questions and employment. You are not on your own.
Australia consistently ranks among the world’s most liveable and happiest countries, with five of the world’s top 30 student cities. Whether you’re here for a few months or several years, the combination of high-quality education, a safe environment, a multicultural community and a genuine outdoor lifestyle makes Australia one of the most rewarding study destinations in the world.
No matter how long you’re staying or what you’re studying, preparation makes the difference. The key areas to plan for are:
- Planning your departure — what to do before you leave home
- Arriving in Australia — what to expect at the airport and in your first days
- Accommodation — finding and securing housing before and after you arrive
- Support services — what’s available at your institution and in the broader community
- Visa compliance — understanding your visa conditions and how to stay compliant
- Working while you study — your work rights and hour limits on a student visa
- Living costs — budgeting for rent, food, transport and everyday expenses
- Health and safety — OSHC, Medicare, emergency services and staying safe
- Insurance, banking, phone and transport — setting up the practical essentials
Select any tab on the left to go directly to that topic.
Your Rights as an International Student in Australia
Australia takes the protection of international students seriously. Under the Education Services for Overseas Students (ESOS) Act, your rights are protected by law — including your right to quality education, accurate information from your institution, and a safe study environment.
Key things to know from day one:
- Your institution must give you accurate information about your course, fees and conditions before and during your enrolment
- If your institution closes or your course is cancelled, you have rights to a refund or a place at another provider
- If something goes wrong with your institution, you can contact the Overseas Student Ombudsman — a free, independent complaints service for international students at private institutions
- For students at public institutions, each state and territory has its own student ombudsman
Understanding your rights makes it easier to ask for help when you need it — and in Australia, help is available.
Already holding your student visa (subclass 500)? Make sure you understand your visa conditions before you arrive — breaching a visa condition, even unknowingly, can have serious consequences. See the visa compliance tab for a full breakdown of what’s required.
Plan Your Departure — Pre-Arrival Checklist
Here is a checklist to help you plan your departure:
- Passport and visa documentation – Confirm your passport is valid for at least 6 months beyond your arrival date in Australia. Have your visa grant letter and ImmiAccount confirmation accessible — you may need to show these at check-in and on arrival. Make physical and digital copies of your passport and visa documents and store them separately from the originals. If your passport is lost or stolen, copies significantly speed up the replacement process.
- Student enrolment and orientation documents – Carry your electronic Confirmation of Enrolment (eCoE) and your institution’s student information pack. Your eCoE confirms your course, start date and institution — you may need it at the Australian border. Also note your orientation schedule, as most institutions require attendance in the first days of arrival.
- Overseas Student Health Cover (OSHC) – OSHC is a mandatory condition of your student visa — you must hold it from the day you arrive in Australia. Confirm your OSHC policy is active, carry your policy details and membership card, and ensure the cover period matches the full duration of your visa. If your institution arranged OSHC on your behalf, confirm the details with them before departure.
- Travel Insurance – OSHC covers medical and hospital care in Australia but does not cover everything. Consider a separate travel insurance policy for the journey itself — cancelled flights, delayed baggage, lost documents, dental care and optical are not covered by OSHC. Check exactly what your OSHC includes before deciding whether additional travel insurance is needed.
- Flight details – Double-check your flight date, time, airline and terminal before departure day. Keep a printed or offline copy of your booking confirmation — don’t rely solely on internet access at the airport. Arrive at the airport with sufficient time for international check-in, which typically requires 3 hours before departure.
- Emergency contact details – Before you leave, write down — or save offline — the following contact details: family emergency contacts, your nearest Australian embassy or consulate, your institution’s international student support team, your accommodation contact and any education agent or migration consultant who assisted with your application. Having these accessible without internet access is important in your first hours in a new country.
- Australian currency – Currency exchange is available at Australian international airports and in city centres, but rates at airports are rarely favourable. Exchange some Australian dollars before you leave — enough to cover your first day or two (transport from the airport, a meal, a SIM card). Once settled, a bank account will be a more cost-effective way to access funds.
- Airport transport plan – Know exactly how you’re getting from the airport to your accommodation before you land — whether that’s public transport, a rideshare, a taxi or an institution pickup. Have the route, fare estimate and your accommodation address saved offline. Many Australian airports have dedicated Skybus or train services to the city centre; check your arrival airport’s transport options in advance. If your institution is arranging pickup, confirm the meeting point and their contact number before departure.
- Accommodation details – Have your accommodation address, phone number and payment confirmation accessible on arrival — printed or saved offline. If you’re staying in student accommodation arranged by your institution, confirm your check-in time and what to do if you arrive outside office hours. If you’re in private rental accommodation, confirm key collection arrangements before you fly. See the Accommodation tab for guidance on finding housing in Australia.
Australian Customs and Border Protection
Australia has strict customs regulations — and the consequences of breaching them range from on-the-spot fines to criminal prosecution. Be aware of the following before you pack:
Illegal to bring in or out of Australia:
- Illegal drugs of any kind — including marijuana, cannabis, heroin, cocaine and amphetamines — are absolutely prohibited
Must be declared on arrival:
- Firearms, weapons and ammunition
- Cash or monetary instruments totalling AUD 10,000 or more (or foreign currency equivalent)
- Some medicines — if you’re carrying prescription medication, carry the original prescription and a letter from your doctor confirming the dosage and treatment
Customs officers may question travellers at any time, and trained detection dogs are used routinely. When in doubt, declare — declaring goods does not necessarily mean your baggage will be examined, but failing to declare prohibited items can result in fines or prosecution. Find current information on the Australian Border Force website.
Australian Biosecurity — What Not to Pack
Australia’s biosecurity rules are among the strictest in the world — and first-time visitors are frequently surprised by how seriously they are enforced. Live animals, plants, plant material, animal products and certain foods can introduce pests and diseases that would devastate Australia’s agriculture and unique natural environment.
Do not pack the following — they will not be allowed into Australia:
- Fresh fruit and vegetables
- Meat, poultry and pork products
- Eggs and dairy goods
- Nuts and seeds
- Live plants
If you’re unsure whether something in your luggage is permitted, declare it on the Incoming Passenger Card you’ll receive on the plane. On-the-spot fines apply for not declaring items, even if you didn’t know they were prohibited — so when in doubt, declare. Full information on what can and cannot be brought into Australia is available on the Department of Agriculture, Fisheries and Forestry website.
Arriving in Australia — What to Expect
Your first experience of Australia will be at the airport arrivals hall. Here’s what happens when you land:
- Step 1 — Immigration clearance. A border officer will check your passport and visa. Have your visa grant letter and passport ready. Australian citizens and permanent residents use SmartGates; as an international student you’ll queue for a staffed counter. The officer may ask about the purpose of your visit and how long you’re staying — answer simply and accurately.
- Step 2 — Collect your luggage. Once cleared through immigration, proceed to the baggage carousel for your flight.
- Step 3 — Customs and quarantine clearance. Before exiting, you’ll pass through customs. Hand in your completed Incoming Passenger Card (given to you on the plane). If you declared any goods, you may be directed to a secondary inspection area. Trained biosecurity dogs are routinely used — if in doubt about anything in your luggage, declare it. See the Plan your departure tab for a full list of prohibited and declarable items.
If you need help finding your way at any point, ask airline staff or border officials in the arrivals area — they are there to assist.
For current information on arrival procedures, visit the Department of Home Affairs website and the Australian Border Force website — the old DIBP and Customs websites no longer exist under those names.
Getting to Your Accommodation
Always arrange accommodation before you arrive in Australia — even if it’s just for the first few nights while you find something longer-term. Arriving without a confirmed place to stay adds unnecessary stress to an already big day.
Have your accommodation address written in English and saved offline — ready to show a taxi driver, rideshare app or hire car, or to follow on public transport. If your institution has arranged airport pickup, confirm the meeting point and your driver’s contact number before you land.
Most Australian international airports are well-connected to city centres by train, dedicated airport bus services or rideshare. See the Transport tab for state-by-state public transport information and concession details. For accommodation guidance, see the Accommodation tab.
Orientation Week (O Week)
Most Australian institutions run an Orientation Week — commonly called O Week — at the start of the academic year. O Week is designed to help new students settle in quickly and is one of the most useful things you can do in your first days in Australia. During O Week you’ll typically:
- Tour campus facilities — libraries, student services, health centres, cafés, sport and recreation
- Attend information sessions on your course, enrolment and academic expectations
- Learn what student support services are available — important to know before you need them
- Meet fellow students from your course, your country and around the world
- Register for clubs, societies and social activities
Check your institution’s website for the full O Week schedule before you arrive so you can plan your accommodation and transport around the activities.
Attending O Week is strongly recommended. Many international students who skip O Week find themselves playing catch-up on practical information — where things are, who to contact, how enrolment works — for weeks afterwards. It’s the fastest way to feel at home and make genuine connections in your first days.
Who to Call When You Need Help
Your institution’s international student support team is your first point of contact for any problems or questions after you arrive — academic, personal, accommodation, legal or health-related. Their contact details will be in your enrolment and orientation pack. Save them in your phone before you board the flight.
Beyond your institution, a range of community support services are available to international students across Australia — see the Support services for students tab for a full overview.
If you experience a genuine emergency at any time in Australia, call 000 — this connects you to police, ambulance and fire services and is free from any phone.
Your First Week in Australia — Practical Checklist
Once you’ve arrived and settled into your accommodation, work through these practical steps in your first week:
- Attend O Week and register for all sessions relevant to your course and student life
- Open an Australian bank account — most banks allow you to open an account online before you arrive and activate it in-branch in your first week. See the Banking tab for options
- Get an Australian SIM card — available at the airport and in convenience stores. Major providers include Telstra, Optus and Vodafone. See the Phone and internet tab for a comparison
- Set up your transport card — get your state’s reloadable travel card (Opal, Myki, Go Card etc.) and apply for your student concession if eligible. See the Transport tab
- Confirm your OSHC is active — check your policy start date and keep your membership details accessible
- Check your visa conditions — understand your work hour limits and enrolment requirements from day one. See the Visa compliance tab
- Register with your GP (doctor) — find a local general practitioner who accepts OSHC patients and register before you need one
Accommodation in Australia — Finding a Place to Live
Finding the right accommodation is one of the most important practical steps before you arrive in Australia. Your options range from on-campus student residences to private rentals, homestay with a local family and short-term lodging for your first few days. Each has different costs, conditions and trade-offs — the right choice depends on your budget, your study location and how independent you want to be.
Key things to check when comparing accommodation options:
- Total cost — confirm rent plus any additional expenses such as a security bond, utility fees (gas, electricity, water), internet and parking before you commit
- Distance from campus — consider both the distance and whether it’s easily accessible by public transport. See the Transport tab for state-by-state public transport options and student concession details
- Nearby amenities — check what’s within walking or short commuting distance: supermarkets, pharmacies, hospitals and emergency services
- Safety — research the neighbourhood, particularly if you’ll be travelling to and from campus late at night
See the Living costs in Australia tab for current indicative rental cost ranges by city.
Short-Term Accommodation — Your First Days
If you haven’t arranged long-term accommodation before you arrive, short-term options include:
- Hostels — affordable, flexible and social. Many international students use hostels for their first one to two weeks while they inspect longer-term options in person
- Budget hotels — a quieter alternative to hostels, often available at short-notice rates
- Institution temporary housing — many universities and TAFE colleges offer short-term transitional accommodation for new international students. Contact your institution’s international student support team or check their website before you arrive to see what’s available and how to book
Arriving with at least the first few nights confirmed — even in a hostel — is strongly recommended. Do not arrive in Australia without any accommodation arranged.
Rental (Private) — Leasing a Property
Renting privately — either alone or with friends — gives you the most independence and is often the most cost-effective option once you’re settled. You can find rentals through a real estate agent or directly from private landlords.
What you’ll need to pay upfront:
- Security bond — typically four weeks’ rent, held in a government-managed bond account to cover any damage you, your housemates or guests cause to the property. You may receive some or all of this back when your tenancy ends, depending on the property’s condition
- Rent in advance — typically two to four weeks’ rent paid at the start of your tenancy
Before you sign anything:
- Read your tenancy agreement carefully — it’s a legally binding contract
- Confirm what’s included in the rent (furnished or unfurnished, utilities, internet)
- Do a condition report inspection when you move in and document any existing damage with photos — this protects your bond when you leave
- Confirm the bond lodgement process — in Australia, bonds must be lodged with the relevant state or territory bond authority, not held by the landlord
For more information on your rights and obligations as a renter, visit the relevant Fair Trading or Consumer Affairs agency in your state or territory.
On-Campus Accommodation
On-campus living is one of the most popular choices for international students in their first year — and for good reason. Most universities offer comfortable, furnished apartment-style residences on or adjacent to campus, some with cleaning, meals and social programming included.
Key advantages of on-campus living:
- No commute — you’re walking distance from lectures, the library and campus facilities
- Built-in community — you’ll meet other students immediately, which makes the transition to a new country significantly easier
- All-inclusive costs — many on-campus options bundle utilities and internet into one weekly fee, making budgeting simpler
- Institution support nearby — student services, health centres and support staff are on your doorstep
On-campus accommodation is in high demand — apply as early as possible, ideally at the same time as your course application. Contact your institution’s accommodation office directly for availability and cost comparison.
Homestay
Homestay means living with an Australian family in their home — typically with your own bedroom and access to shared living areas. It’s a particularly good option for younger students or those arriving in Australia for the first time, as it provides a ready-made home environment with built-in support.
Most homestay arrangements include:
- Furnished private room
- Meals (typically breakfast and dinner)
- Cleaning of common areas
- A family setting that can ease the transition to a new country and culture
Families offering homestay to international students are thoroughly screened by the arranging organisation to ensure they can provide a safe and suitable environment. Your institution or a specialist homestay agency can help you arrange this — many institutions have formal homestay programs.
Homestay fees vary by city and include — confirm what’s included before you commit to an arrangement.
Your Legal Rights and Responsibilities
As a renter in Australia, you have both legal responsibilities and legal rights — and both are enforceable.
Your responsibilities:
- Pay rent on time
- Keep the property clean and report any damage promptly
- Follow the terms of your tenancy agreement
Your rights:
- To feel safe and secure in your property
- To have the property maintained in a liveable condition with working facilities
- To have your bond lodged with the relevant government authority — not held privately by your landlord
- To receive proper notice before a landlord enters your property
If problems arise:
- Private rental — contact your real estate agent or landlord first. If the issue isn’t resolved, contact the relevant state Fair Trading or Consumer Affairs agency
- On-campus — contact your institution’s international student support team
- Homestay — contact the agency or organisation that arranged your homestay
Tenants unions and consumer advocacy organisations in each state and territory can also provide free advice and assistance if you have a dispute with a landlord or agent. Visit the relevant government Fair Trading or Consumer Affairs agency in your state or territory for contact details and further information.
Accommodation and Your Student Visa
Your accommodation arrangements can also affect your student visa compliance. Key points to keep in mind:
- Update your address — if you move accommodation during your study, notify your institution promptly. Under your student visa conditions, your institution must be able to contact you at all times
- Welfare arrangements for under-18s — if you’re a student under 18, your accommodation must be approved as part of your welfare arrangements. See the student visa (subclass 500) page for the full welfare requirements
- Guardian visa holders — if you’re a parent on a Student Guardian visa (590), you must be living with the student for the duration of your visa. Separate accommodation arrangements are a visa condition breach
Not sure about your visa conditions? See the Visa compliance tab for a full breakdown of what your student visa requires.
Support Services for International Students in Australia
Australia has one of the most comprehensive support networks for international students of any study destination in the world. Whether you need academic help, legal advice, consumer protection, mental health support or disability assistance, there is a formal service to help you — and most are free. This tab covers everything from your rights as a consumer through to emergency contact numbers.
Consumer Protection
Australia’s consumer protection framework applies equally to international students. The Australian Consumer Law is a national law guaranteeing your rights when purchasing goods and services — including courses, accommodation, technology and everyday purchases.
Contact the relevant government Fair Trading or Consumer Affairs agency in your state or territory if you:
- Want to understand your consumer rights
- Have a problem with a good or service you’ve bought or are considering buying
- Want to know how a business is required to behave under Australian law
- Need to make a formal complaint about a business
Visit australia.gov.au or consumerlaw.gov.au to find the right agency for your location.
Overseas Students Ombudsman (OSO)
The Overseas Students Ombudsman investigates complaints from international students about problems with private education and training institutions in Australia. The service is free, independent and impartial — you don’t need a lawyer to lodge a complaint. Visit oso.gov.au for more information and to subscribe to their newsletter for international students.
If you’re at a public institution (most TAFEs, universities and government schools), contact the Ombudsman for the state or territory where you’re studying:
- ACT — ombudsman.act.gov.au
- NSW — ombo.nsw.gov.au
- NT — ombudsman.nt.gov.au
- QLD — ombudsman.qld.gov.au
- SA — ombudsman.sa.gov.au
- TAS — ombudsman.tas.gov.au
- VIC — ombudsman.vic.gov.au
- WA — ombudsman.wa.gov.au
Tuition Protection Service (TPS)
The Tuition Protection Service is an Australian Government initiative that protects you if your education provider closes or is unable to fully deliver your course. If this happens, the TPS ensures you can either:
- Complete your studies in a comparable course with another registered provider, or
- Receive a refund of your unspent prepaid tuition fees
The TPS also assists students who have withdrawn from or not started their course and are entitled to a refund that the institution has failed to pay. Visit the Tuition Protection Service website for full information on your rights and how to access the service.
Institution Support Services
Your institution is your first and most accessible source of support. Australian education institutions provide a wide range of specialist services designed specifically for international students, including:
- Language and academic support — writing centres, tutoring and English language assistance
- Designated international student advisers — for visa questions, academic issues and personal support
- On-arrival reception and orientation programs
- Health and counselling services
- Childcare facilities
- Student accommodation assistance
- Employment services — resume help, job boards and employer events
- Prayer and worship rooms
- Banking, shopping and food outlets on or near campus
- Clubs, societies, sport and fitness facilities
Most Australian institutions function as self-contained communities — the social and wellbeing infrastructure is there alongside the academic facilities. Check your institution’s website directly for the full list of services available to you.
Student Associations
Two national peak bodies represent and support international students across Australia:
- Council of International Students Australia (CISA) — the national peak representative body for international students at postgraduate, undergraduate, private college, TAFE, ELICOS and foundation level
- Australian Federation of International Students (AFIS) — focused on helping international students maximise the scope and potential of their experience living and studying in Australia
Most institutions also have their own student associations — visit your institution’s website to find your local student association and what they offer.
Disability Support
Australian law protects students with disabilities from discrimination in education. Institutions cannot:
- Refuse admission on the basis of disability
- Offer admission on less favourable terms (such as higher fees)
- Deny or limit access to facilities, excursions or activities
Institutions must make reasonable efforts to accommodate students with disabilities, including providing services such as voice-recognition software, hearing aids, note-taking services or accessible facilities. Contact your institution several weeks before you arrive to arrange the specific support you need — early notification gives the institution time to prepare properly.
If informal discussions with your institution don’t resolve a disability-related complaint, you can lodge a formal complaint with the Australian Human Rights Commission. Confidential telephone enquiries are available; a formal written complaint is required before the commission can take action.
Childcare
Many larger institutions have on-campus childcare facilities with trained staff. Private and not-for-profit childcare centres are also widely available across Australia.
International students on Australian Government scholarships that provide direct financial assistance may be eligible for the Child Care Subsidy — visit australia.gov.au to check current eligibility. Standard international students on a student visa are generally not eligible for government childcare subsidies.
Emergency and Other Key Support Services
Save the following numbers in your phone from day one:
| Service | Number | When to use |
|---|---|---|
| Emergency (police, ambulance, fire) | 000 | Life-threatening situations — free from any phone |
| Police (non-urgent) | 131 444 | Non-urgent police attendance — all states except Victoria (call your local station in VIC) |
| Lifeline | 13 11 14 | 24/7 crisis support, suicide prevention and mental health support by phone or online chat |
| Kids Helpline | 1800 55 1800 | Free 24/7 counselling for young people aged 5–25 — anonymous if preferred |
| Poison Information Centre | 131 126 | Advice on poisoning, medications, chemicals, plant and animal venom |
| Sexual Assault Counselling | Search “rape crisis centre [your state]” | Free 24/7 telephone counselling — anonymous if preferred, connected to hospitals and health departments |
Student Visa Compliance — Staying Compliant While You Study
Your student visa (subclass 500) comes with conditions that must be met for the full duration of your stay. Breaching a visa condition — even unknowingly — can result in your visa being cancelled, which ends your right to remain in Australia and can affect future visa applications. The conditions below apply to all student visa holders.
Core Visa Conditions — What You Must Do
- Attend classes as required by your institution — most set a minimum attendance threshold (typically 80%)
- Keep up with assessments, submissions and academic requirements
- If you’re struggling academically or personally, speak to your institution’s international student support team early — they can help you access academic support or request a variation before a formal breach occurs
- If illness or another genuine circumstance affects your attendance, notify your institution promptly and follow their procedure for recording an excused absence
2. Apply for a new visa if you change your qualification level
If you want to move to a higher or different qualification level — for example, from a VET certificate to a bachelor’s degree, or from a bachelor’s to a master’s — you must apply for a new student visa (subclass 500) for the new course. Your current visa is linked to your enrolled course and institution. Do not assume your existing visa automatically covers a new course at a different level. Contact us before making any course changes to confirm your visa situation — contact us if you’re unsure.
3. Keep your institution updated with your current address
Your institution must be able to contact you at all times — this is a legal requirement under the ESOS Act and a condition of your student visa. Provide your Australian address when you first enrol, and notify your institution in writing every time you move. Do not wait until after you’ve moved — update your details before or on the day you change address.
Your institution needs your current address to:
- Send official correspondence about your enrolment
- Contact you about attendance or academic concerns
- Forward any Department of Home Affairs communications
Failing to keep your address current means you could miss critical notices — including ones that could affect your visa status.
4. Maintain sufficient funds to support yourself
You must continue to have access to enough money to support yourself financially for the duration of your stay — covering living costs, tuition fees and any other expenses. Running out of funds is not just a financial problem; it can be a visa compliance issue if it means you cannot continue your studies or meet your living obligations.
If your financial situation changes significantly, speak to your institution’s international student support team and contact us — there may be options depending on your circumstances.
5. Comply with your work conditions
Your student visa permits you to work in Australia, but within strict limits. Breaching your work conditions is one of the most common causes of student visa cancellation — and it’s entirely avoidable with the right information.
Current work conditions for student visa holders:
- 48 hours per fortnight while your course is in session — a fortnight is any 14-day period beginning on a Monday
- Unlimited hours during official course breaks (scheduled holiday periods) and once you have completed your course
- Unlimited hours for masters by research and doctoral students once their course has commenced
- Work rights commence when your course commences — not from the date your visa is granted
- These limits apply whether you attend classes in person or online
For full detail on work rights and conditions, see the Work while you study tab.
Other Important Compliance Points
Beyond the five core conditions above, keep the following in mind:
- Maintain OSHC — your Overseas Student Health Cover must remain active and valid for the full duration of your student visa. Letting it lapse is a visa condition breach
- Meet health and character requirements — if your health or character circumstances change significantly during your visa period, you may be required to notify the Department of Home Affairs
- Notify your institution of significant changes — changes to your enrolment, personal circumstances or financial situation should be communicated promptly
- Check VEVO regularly — you can view your visa conditions, expiry date and any restrictions at any time through the Visa Entitlement Verification Online (VEVO) tool at homeaffairs.gov.au. Employers can also use VEVO to verify your work rights — make sure what’s on VEVO is accurate
- Don’t overstay your visa — if your visa is expiring and you haven’t yet applied for a new one or departed Australia, you become unlawful. An unlawful non-citizen can be detained and removed from Australia, and future visa applications are affected. If you need to extend your stay, apply for a new visa before your current one expires
What Happens If You Breach a Visa Condition
If your institution reports a compliance breach to the Department of Home Affairs, you will typically receive a notice of intention to cancel your visa. You will have the opportunity to respond and provide an explanation — but the outcome depends on the nature and severity of the breach.
Common consequences of visa condition breaches include:
- A warning and requirement to return to compliance
- Visa cancellation — requiring you to leave Australia
- A record on your immigration history that can affect future visa applications
If you receive any notice from the Department of Home Affairs regarding a potential breach, seek professional advice immediately. Contact us — acting early significantly improves the options available to you.
Working While You Study in Australia
Working while you study is one of the best ways to manage your living costs and build Australian work experience at the same time. Many international students find part-time work in their field or in related industries — and that experience can directly strengthen a future skills assessment or employer sponsorship application. Understanding your work rights and limits from day one is essential.
Your Work Hours on a Student Visa
The student visa (subclass 500) permits you to work in Australia within the following limits:
- 48 hours per fortnight while your course is in session — a fortnight is any 14-day period beginning on a Monday, regardless of whether you attend classes in person or online
- Unlimited hours during official scheduled course breaks and once you have completed your course
- Unlimited hours for masters by research and doctoral students once their course has commenced
- Work rights begin when your course commences — not from the date your visa is granted
Before starting any paid work, confirm your work conditions through the Visa Entitlement Verification Online (VEVO) tool at homeaffairs.gov.au — employers can also check your work rights through VEVO. Breaching your work hours is a visa condition breach. See the Visa compliance tab for what happens if you exceed your limit.
Paid Work — Industries with Strong Student Employment
Australia has a wide range of industries with genuine part-time and casual employment opportunities for students. Common sectors include:
- Retail — supermarkets, department stores and clothing retail
- Hospitality — cafés, bars and restaurants
- Tourism — hotels and motels
- Agriculture — farming and seasonal fruit-picking (particularly in regional areas)
- Sales and telemarketing
- Administration and clerical roles
- Tutoring — particularly for students with strong academic performance in their field
If you have existing qualifications or professional work experience, you may be able to secure casual or part-time work in your field — which is also the most valuable experience for a future skills assessment. Work in your nominated occupation during your student visa period can count toward the employment evidence required by assessing authorities.
Internships
Paid or unpaid internships are one of the most effective ways to build professional networks and gain industry-specific experience in Australia. For students aiming at skilled migration, an internship in your nominated occupation is among the most useful things you can do during your study period.
Internship hours count toward your 48-hour fortnightly limit if paid. Unpaid internships arranged as a formal part of your course curriculum are generally not subject to the work hour cap — check with your institution if you’re unsure whether a specific internship arrangement counts toward your hours.
Volunteering
Volunteering with charities and non-government organisations is a great way to build your Australian community connections, develop practical skills and give back — without affecting your work hour limit. Genuine volunteering (unpaid, for a non-profit or community organisation, not displacing paid workers) is generally not counted as “work” for visa purposes.
Start your search at govolunteer.com.au — Australia’s national volunteering directory.
Your Rights at Work — What Australian Law Guarantees You
Every worker in Australia — including international students on student visas — is protected by Australian workplace law. Your rights include:
- Minimum wage — the national minimum wage applies to all workers regardless of visa type. No employer can legally pay you less
- Protection from unfair dismissal
- Breaks and rest periods as required by your award or agreement
- A safe work environment — employers must take all reasonable steps to ensure your work does not harm your health or safety. This is called Work Health and Safety (WHS) or Occupational Health and Safety (OHS) law
- Workers’ compensation insurance — your employer must hold insurance covering you if you are injured or become ill at work. This covers medical treatment costs and wage replacement while you recover — and it applies to all workers in Australia, including temporary visa holders
Most employers are covered by an industry award — a legally binding document that sets the minimum wages, penalty rates, overtime and conditions for a specific industry or occupation. Your award rate is the floor, not the ceiling — your employer can pay more, but never less. Visit the Fair Work website (fairwork.gov.au) to find the award that applies to your job and check your minimum entitlements.
Tax File Number (TFN) — you must have a TFN before starting work in Australia. Without one, your employer is required by law to withhold tax at the highest rate. Apply for your TFN through the Australian Taxation Office (ATO) website (ato.gov.au) — applications are free and can be lodged online. Also check the ATO website for information on lodging a tax return at the end of the financial year (30 June) — many international students are entitled to a refund.
How to Find Work in Australia
Finding work as an international student in Australia is manageable if you know where to look:
- Online job boards — Seek (seek.com.au), Indeed (indeed.com.au) and LinkedIn are Australia’s most widely used platforms for casual, part-time and graduate roles
- Your institution’s job board — most universities and TAFEs maintain a student job board on campus and online. Contact your institution’s career and employment services team for access and job-seeking support
- Student employment agencies — specialist agencies in major cities place students in hospitality, retail, administration and clerical roles
- In person — particularly for hospitality and retail, walking into a business with your resume during quiet hours remains one of the most effective approaches
- LinkedIn and professional networks — particularly useful for students with existing qualifications who are looking for work in their field
International students and tax: Australia has a financial year running from 1 July to 30 June. Lodge your tax return after 30 June — many students receive a refund if they’ve been taxed at the standard rate during the year. Visit ato.gov.au for free information and lodgement options.
How Your Part-Time Work Can Strengthen Your Migration Pathway
The work you do during your student visa period is more than just income — it’s migration evidence.
- Australian work experience earns skilled migration points — every year of Australian skilled employment in your nominated occupation adds points on the Skilled Visa Points Test
- Work in your occupation builds your skills assessment evidence — assessing authorities assess both your qualification and your work experience. Part-time work during your student visa that matches your nominated occupation can count toward the experience component
- Employer relationships built during study often lead to sponsorship — many Skills in Demand 482 visa applications are sponsored by employers the graduate worked for as a student
Start building your Australian work experience strategically from early in your degree — it pays dividends in both your career and your visa pathway. See the student visa to PR page for how the full journey from student visa to permanent residency works.
Living Costs in Australia — Student Budget Guide
Understanding the true cost of living in Australia before you arrive is essential for financial planning — and for meeting the student visa (subclass 500) financial capacity requirements. All figures below are in Australian dollars and are indicative — actual costs vary significantly by city, suburb and lifestyle. Regional areas are generally more affordable than Sydney and Melbourne.
Accommodation Note — the figures below are indicative ranges. Australian rental costs have increased significantly since these figures were published. Verify current costs in your specific city before budgeting.
| Accommodation Type | Indicative Weekly Cost (AUD) |
|---|---|
| Hostels and guesthouses | $90 – $160 per week |
| Shared rental | $150 – $350 per week (varies significantly by city — Sydney and Melbourne are at the top end) |
| On campus (student residence) | $150 – $400 per week |
| Homestay | $250 – $400 per week (usually includes meals) |
| Private rental (studio/1BR) | $250 – $600+ per week (highly location-dependent) |
| Boarding schools | $11,000 – $22,000 per year |
See the Accommodation tab for a full explanation of each accommodation type and what to look for when choosing.
Other Living Expenses
| Expense | Indicative Weekly Cost (AUD) |
|---|---|
| Groceries and eating out | $100 – $300 per week |
| Gas and electricity | $40 – $160 per week |
| Phone and internet | $20 – $60 per week (less with student concessions— see Transport Tab) |
| Public transport | $250 – $400 per week (usually includes meals) |
| Car (running costs after purchase) | $150 – $280 per week |
| Entertainment | $80 – $160 per week |
Minimum Financial Capacity — Current 2026 Figures
The Department of Home Affairs sets minimum financial capacity thresholds that you must meet to be granted a student visa. The current 12-month living cost amounts are:
| Applicant | Minimum Annual Amount (AUD) |
|---|---|
| You (primary student applicant) | $29,710 per year |
| Spouse or de facto partner | $10,394 per year |
| Each dependent child | $4,449 per year |
| Annual schooling costs (per school-aged child) | $13,502 per year |
These are the minimum amounts you must demonstrate access to — not what you will necessarily spend. Actual living costs in major cities often exceed these thresholds, particularly for accommodation.
These figures are updated by the Department of Home Affairs periodically — verify current amounts at homeaffairs.gov.au before lodging your visa application. Full details of how to evidence financial capacity are on the student visa (subclass 500) page and the student visa fees page.
Managing Your Finances in Australia
The Australian Government’s MoneySmart website (moneysmart.gov.au) is a free, independent resource covering budgeting, banking, tax, superannuation and financial decisions — specifically designed for people living in Australia. It’s a useful starting point for international students managing money in Australia for the first time.
If you experience financial difficulty during your studies, speak to your institution’s international student support team first — many institutions have emergency financial assistance funds or can connect you with community support services. Do not wait until the situation becomes critical. Falling below the minimum financial capacity threshold can affect your visa compliance — see the Visa compliance tab.
Budget Planning Tips for International Students
A few practical steps to manage your finances well from the start:
- Open an Australian bank account immediately — transferring money internationally using a bank account is significantly cheaper than using currency exchange services. See the Banking tab for how to open an account before and after you arrive
- Apply for your student transport concession — where eligible, this reduces one of your regular weekly costs significantly. See the Transport tab
- Get a Tax File Number (TFN) before you start work — without one, your employer withholds tax at the highest rate. See the Work while you study tab
- Lodge a tax return after 30 June — many students receive a refund. The financial year runs 1 July to 30 June; returns can be lodged from July onwards at ato.gov.au
- Budget for OSHC renewal — your Overseas Student Health Cover must remain active for the full duration of your visa. Factor this into your annual budget
- Track your spending — apps like Pocketbook, Frollo or even a simple spreadsheet help you stay on top of costs in a new country where prices may be unfamiliar
- Cook at home — groceries in Australia are generally well-priced at supermarkets like Coles, Woolworths and Aldi. Eating out frequently is one of the fastest ways to exceed your budget
Health and Safety in Australia
Australia is consistently rated among the safest countries in the world to live and study. That said, knowing how to handle emergencies, stay safe in public and protect yourself from Australia’s unique natural conditions — particularly sun, water and fire — makes a real difference, especially when you first arrive.
This tab covers the essential health and safety information every international student in Australia needs to know. Save the emergency numbers in your phone before you need them.
Emergency Contacts — Save These Before You Need Them
| Service | Number | When to use |
|---|---|---|
| Emergency (police, ambulance, fire) | 000 | Any life-threatening emergency — free from any phone or mobile |
| Police (non-urgent) | 131 444 | Non-urgent police attendance (all states except VIC — call your local station in VIC) |
| Lifeline | 13 11 14 | 24/7 crisis support, suicide prevention and mental health support by phone or online chat |
| Poison Information Centre | 131 126 | Advice on medications, chemicals, plant and animal venom |
When you call 000, the operator will ask which service you need — police, fire or ambulance. If you’re unsure, just describe the situation and they’ll guide you. If you don’t speak English, tell the operator your language — a translator will be connected to assist you.
Most institutions have on-campus security — their contact details should be in your enrolment information. If you can’t find them, contact your institution’s international student support team. In any life-threatening situation, call 000 first — even on campus.
Personal Safety — Going Out
Australia’s cities are safe by international standards, but basic precautions apply everywhere. When you’re out:
- Plan your way home before you go out — especially at night. Pre-book a taxi or arrange transport with a friend. Always carry enough money for transport home
- Travel with a friend or in a group where possible, particularly at night
- Keep bags and valuables close — where you can always see them
- Never hitchhike
- Use pedestrian crossings — traffic in Australia can be fast and moves on the left
- Leave valuables at home — jewellery, expensive electronics and your passport. If you’ve just arrived and don’t have secure storage, ask your institution about on-campus secure storage
- Don’t carry large amounts of cash — ATMs are widely available at supermarkets, service stations, shopping centres and banks
- Call 000 in any emergency — it’s free from any phone
Public Transport Safety
Australian public transport is reliable and generally very safe, with security officers, help points, lighting and cameras on most networks. A few habits worth keeping:
- Avoid isolated bus, rail or tram stops — particularly late at night
- Check timetables before you travel to minimise waiting time, especially after dark
- On trains, the carriages closest to the driver or guard are best-lit and safest at night
- If you find yourself alone or uncomfortable in a carriage, move to another one
Taxis and Rideshares
Taxis and rideshare apps (Uber, DiDi, Ola) are widely available across Australia’s cities and most regional centres. A few practical tips:
- Sit wherever you feel comfortable — front or rear seat is normal in Australian taxis
- Know your destination address before you get in
- Tell the driver your preferred route if you know it — don’t be afraid to speak up if the route taken seems unfamiliar
- If you’d prefer privacy, ask to be dropped a short distance from your actual address
- For rideshares, always confirm the driver’s name and car registration match the app before getting in
Safety at Your Institution
- Familiarise yourself with your institution’s security and emergency procedures on your first day — this information should be in your enrolment pack or O Week materials
- Many larger institutions offer after-hours security escort services or campus shuttle buses — check with your institution whether this is available
- Park close to your destination in well-lit areas when driving to campus
- When leaving campus at night, walk with a friend or group on well-lit, frequently used paths
Online Safety
Online scams targeting international students are increasingly common in Australia. Protect yourself:
- Phishing — don’t click links in unsolicited emails claiming to be from your bank, the ATO, the Department of Home Affairs or your institution. Go directly to official websites instead
- Identity theft — don’t share personal documents, passport details or Tax File Numbers online unless through a verified, secure channel
- Visa scams — be cautious of anyone offering to fast-track your visa, guarantee a visa outcome or claiming to be from the Department of Home Affairs via unsolicited contact. Report suspected scams to Scamwatch (scamwatch.gov.au)
- Social media — don’t post publicly about being away from home or share your address online with people you don’t know
Home Safety
- Lock doors and windows whenever you leave, and when you’re home at night
- Don’t let strangers in — if someone you don’t know knocks, speak through the door or intercom first
- Protect your personal information — don’t share your address or let people know on social media when you’re away
- Check smoke alarms — it’s a legal requirement for rental properties to have working smoke alarms. Don’t remove batteries or tamper with them. If your property doesn’t have smoke alarms, inform your landlord or real estate agent immediately
- If you discover a break-in — don’t enter the property. Move to a safe location and call the police on 131 444 (non-urgent) or 000 if you believe someone is still inside
Sun Safety
The Australian sun is significantly stronger than most international students are used to — UV radiation in Australia is among the highest in the world. Sunburn can happen quickly and on overcast days as well as sunny ones.
- Apply SPF 50+ sunscreen at least 20–30 minutes before going outside and reapply every 2 hours, or immediately after swimming
- Wear a broad-brimmed hat and UV-protective sunglasses
- Avoid extended sun exposure between 10am and 3pm — this is when UV is strongest
- Don’t assume a cloudy day is safe — UV radiation passes through cloud cover
Water Safety
- Only swim at patrolled beaches — look for lifeguards and always swim between the red and yellow flags where lifeguards can see you
- Never dive into a body of water without knowing the depth
- Australian beach rips are strong underwater currents that can carry you away from shore quickly. If you’re caught in a rip: don’t panic, don’t swim directly against it. Float or swim parallel to the shore until you’re out of the current, then swim back to the beach. Raise your arm to signal for help from lifeguards
- Visit the Surf Life Saving Australia website (surfsafe.com.au) for more on water safety
Fire Safety
Australia’s fire risk is real — in cities, homes and particularly in regional and bush areas.
If there’s a fire:
- Call 000 immediately — say “fire” when the operator answers
- If you don’t speak English, tell the operator your language — a translator will be connected
- Answer the operator’s questions calmly
Fire prevention at home:
- Check your smoke alarm regularly — don’t remove batteries or tamper with it
- Don’t overload powerboards or double adaptors — electrical faults are a leading cause of house fires
- Keep electric heaters at least one metre from bedding, furniture and curtains
- Turn off all cooking appliances when you’re done — most household fires start in the kitchen
If you have to evacuate:
- Know your exit routes in advance — don’t block doorways or windows
- Keep your keys and phone in a consistent, accessible place at night
- If you’re in a bush or rural area, monitor television, radio and official government emergency websites for evacuation advice
Insurance in Australia — What International Students Need
One type of insurance is mandatory for every international student in Australia — Overseas Student Health Cover (OSHC). Beyond OSHC, several other insurance types are worth considering depending on your circumstances. This tab covers everything you need to know.
Overseas Student Health Cover (OSHC) — Mandatory for All Student Visa Holders
OSHC is a mandatory condition of your 🔗student visa (subclass 500)[/student-visa-subclass-500/]. You must hold it from the day you arrive in Australia until the last day of your visa — and it must cover you and any dependants (spouse and children under 18) included in your visa application. Letting your OSHC lapse is a visa condition breach.
What OSHC covers:
- Visits to a GP (general practitioner / doctor)
- Some hospital treatment as a private patient
- Ambulance cover
- Limited pharmaceuticals (prescription medicines on the PBS)
OSHC providers offer a range of products — from basic cover (compulsory minimum only) to comprehensive cover that includes extras such as dental, optical and physiotherapy. Comprehensive cover costs more but may be worth it if you expect to need these services during your study period.
Approved OSHC providers in Australia include: Allianz Care, Bupa, CBHS International Health, Medibank and nib. Your institution may have a preferred provider or may have arranged OSHC on your behalf — confirm coverage details with them before departure. For a full list of providers and current pricing, visit the Department of Health and Aged Care website.
The Department of Home Affairs requires all student visa holders to maintain OSHC for the full duration of their stay. This requirement is non-negotiable — verify that your OSHC policy remains active whenever you renew your visa or extend your course.
Note for Student Guardian visa holders: OSHC covers students only — guardians on a 🔗Student Guardian visa (590)[/student-guardian-visa-subclass-590/] must hold Overseas Visitors Health Cover (OVHC), not OSHC. These are separate products from separate providers.
Private Health Insurance — Optional But Worth Considering
OSHC does not cover everything. If you want cover for dental, optical, physiotherapy or other allied health services, you may want to supplement your OSHC with additional private health insurance.
Key things to check when comparing policies:
- What’s included and excluded — read the Product Disclosure Statement before purchasing
- Waiting periods — most private health insurance has waiting periods for certain services (e.g., 12 months for major dental, 2 months for general dental). If you need a service soon after arriving, check the waiting period before you buy
- Cost vs benefit — private health insurance premiums in Australia vary widely by fund and level of cover
Compare funds and policies at the Australian Government’s comparison website: privatehealth.gov.au
Travel Insurance — For Your Journey to Australia and Trips Home
OSHC only covers you while you’re in Australia — it does not cover anything that happens during your flight to Australia or any international travel you take during your study period. Travel insurance fills this gap.
Travel insurance typically covers:
- Cancelled or delayed flights
- Lost, stolen or damaged luggage
- Medical emergencies that occur outside Australia
- Lost or stolen travel documents including your passport
- Personal liability
Arrange travel insurance for your initial journey to Australia before you leave home — it covers you from the moment you depart. For return trips home during holidays, arrange cover before each trip. Providers include specialist travel insurers, airlines and travel booking platforms. Compare policies carefully, as exclusions vary significantly between providers.
Home and Contents Insurance — Protecting Your Belongings
If you’re renting, building insurance is the landlord’s responsibility — you don’t need to arrange it. However, building insurance does not cover your personal belongings.
Contents insurance covers your possessions — laptop, phone, clothing, furniture and appliances — against theft, fire, water damage and other events. If you have items you couldn’t afford to easily replace, contents insurance is worth considering.
On-campus residents should check whether their institution’s insurance covers personal belongings, or whether you need your own policy. Homestay students should check whether the host family’s insurance covers your belongings or whether you need separate cover.
Contents insurance is available from a wide range of Australian insurers — compare premiums and policy terms before purchasing.
Vehicle Insurance — What’s Compulsory and What’s Optional
If you buy a car, motorbike or other vehicle in Australia, insurance requirements depend on your state or territory.
Compulsory Third Party (CTP) insurance — also called a green slip in NSW — is mandatory in all states and territories. It covers personal injuries caused to other people in an accident you’re involved in. CTP is typically included in your vehicle registration costs in most states, but in NSW it must be purchased separately. Check with the relevant road authority in your state before driving.
Optional vehicle insurance — beyond CTP, you can choose from:
- Third party property damage — covers damage you cause to someone else’s vehicle or property
- Third party fire and theft — adds cover for your vehicle if it’s stolen or damaged by fire
- Comprehensive — the highest level of cover, including accidental damage to your own vehicle, theft, fire, flood and storm
A wide range of insurers offer vehicle insurance in Australia. Compare quotes from multiple providers and consider your specific situation — how much you drive, where you park and the value of the vehicle — before deciding on a level of cover.
Insurance Summary — Quick Reference
- OSHC (Overseas Student Health Cover) — Mandatory. Required as a condition of your student visa for the full duration of your stay. Covers doctor visits, some hospital treatment, ambulance and limited medicines.
- OVHC (Overseas Visitors Health Cover) — Mandatory for Student Guardian visa (590) holders. Same function as OSHC but a separate product — guardians cannot use OSHC.
- Travel insurance — Strongly recommended. Covers cancelled flights, lost or stolen luggage, medical emergencies outside Australia and lost travel documents. OSHC does not cover you during your flight or any international travel taken during your study period.
- Private health insurance — Optional. Consider if you want cover for dental, optical, physiotherapy or other allied health services not included in your OSHC policy. Check waiting periods before purchasing.
- Contents insurance — Recommended if you have valuables. Covers your personal belongings — laptop, phone, clothing, appliances — against theft, fire and damage. Building insurance is your landlord’s responsibility; contents is yours.
- Compulsory Third Party (CTP) vehicle insurance — Mandatory if you own a vehicle. Covers personal injury you cause to others in an accident. Included in registration costs in most states; purchased separately in NSW.
- Comprehensive vehicle insurance — Optional. Covers accidental damage to your own vehicle, theft, fire, flood and storm. Recommended if your vehicle has significant value.
Banking in Australia — Setting Up and Managing Your Money
Setting up an Australian bank account is one of the most important practical steps in your first week in Australia. It makes receiving wages, paying rent and managing everyday expenses significantly cheaper and easier than relying on your home country card. Australia has a well-developed banking system with major national banks, regional banks, credit unions and building societies — all regulated and reliable.
How to Open an Australian Bank Account
- Before you arrive — most of Australia’s major banks allow you to open an account online from overseas before you land, then activate it in-branch with your identity documents in your first week. This is the fastest way to have a functioning account on arrival. Major banks that offer this include Commonwealth Bank (CommBank), ANZ, Westpac and NAB
- Documents you’ll need — your passport, electronic Confirmation of Enrolment (eCoE), Letter of Offer and any other identity documents your chosen bank requires. Requirements vary slightly by institution
- Tax File Number (TFN) — you don’t need a TFN to open a bank account, but without one, the bank is required to withhold tax on any interest earned at the highest rate. Apply for your TFN through the Australian Taxation Office (ATO) website at ato.gov.au as soon as you arrive — it’s free and can be done online
- Your institution’s support team — financial or student support officers at your university or TAFE can advise on which banks are most practical for students in your area and how to set up your account
- MoneySmart — the Australian Government’s free financial guidance website (moneysmart.gov.au) has practical advice on managing money in Australia, including choosing a bank account
Australian Currency
Australia’s currency is the Australian dollar (AUD). Notes come in denominations of $5, $10, $20, $50 and $100. Coins are issued in 5c, 10c, 20c, 50c, $1 and $2 denominations.
Cash prices in shops and supermarkets are rounded to the nearest 5 cents — for example, an item priced at $1.97 would cost $1.95, while one priced at $1.99 would cost $2.00. Card payments are processed at the exact price with no rounding.
To convert AUD to your home currency, visit xe.com for current exchange rates.
Accessing Your Money in Australia
- ATMs are widely available across Australia — in supermarkets, service stations, shopping centres, banks and on most high streets. Withdrawing cash from your own bank’s ATM is generally free; using another provider’s ATM usually incurs a fee, which the ATM will display before you confirm the transaction
- Card payments — Australia is highly card-friendly. Most businesses accept Visa, Mastercard and eftpos (Australia’s domestic card network). Tap-and-go (contactless) payment is standard at almost all retailers, cafés and transport systems
- Using your home country card — most Australian ATMs accept international Visa and Mastercard debit and credit cards. Be aware that international transaction fees, currency conversion fees and ATM fees can add up quickly — check with your home bank what charges apply before you rely on this method
- Digital wallets — Apple Pay, Google Pay and Samsung Pay are widely accepted in Australia
Transferring Money Between Australia and Home
All major Australian banks offer international transfer services (also called telegraphic transfers or SWIFT transfers). To receive money from overseas, provide the sender with your BSB number and account number — your bank will give you these when you open your account.
Bank transfer fees and exchange rates can be costly — particularly for regular transfers. International money transfer services such as Wise (formerly TransferWise), OFX and Remitly typically offer significantly better exchange rates and lower fees than bank international transfers. Compare your options before setting up a regular transfer arrangement.
To send money to another country, you’ll need the recipient’s bank name, account number and relevant routing or SWIFT/IBAN code — your bank or transfer service will guide you through the process.
Banking Complaints — Australian Financial Complaints Authority (AFCA)
If you have a dispute with your bank — for example, unauthorised transactions, incorrect fees or a complaint about service — and the bank hasn’t resolved it to your satisfaction, you can escalate to the Australian Financial Complaints Authority (AFCA). AFCA replaced the old Banking and Financial Services Ombudsman (FOS) and is now the single external dispute resolution body for all financial complaints in Australia.
- AFCA’s service is free for consumers
- Free interpreter services are available
- Lodge a complaint or find more information at afca.org.au
Before contacting AFCA, you must first try to resolve the complaint directly with your bank. Keep records of all communications.
Practical Banking Tips for International Students
- Open your account before you need it — don’t wait until your first pay day or rent due date to open an account. Set it up in your first week, ideally before you start work
- Get your TFN as soon as possible — without it, banks and employers withhold tax at the highest rate. Apply online at ato.gov.au immediately after arriving
- Use a transfer service for international payments — Wise, OFX and similar services consistently offer better rates than bank transfers for sending money home or receiving funds from overseas
- Set up direct debit for rent and regular bills — it’s easier to manage and avoids late payment fees
- Check your account regularly — online banking apps make this easy. Report any unauthorised transactions to your bank immediately
- Be aware of scams — never give your banking details, PIN or one-time passwords to anyone over the phone or by email. Your bank will never ask for these. Report suspicious contact to your bank and to Scamwatch (scamwatch.gov.au)
- Budget using the Living costs tab — see the Living costs in Australia tab for indicative weekly costs to help you plan your budget from day one
Phone and Internet in Australia — Getting Connected
Getting a working Australian phone number and reliable internet is one of the first practical steps after you arrive. An Australian SIM gives you a local number for your institution, employer and landlord, keeps your communication costs manageable, and lets you use data-based services like maps, rideshares and banking apps from day one.
Mobile Phones — Get an Australian SIM Immediately
Using your home country SIM in Australia incurs international roaming charges that add up very quickly. Get an Australian SIM card or number as soon as you arrive — SIM cards are available at the airport arrivals hall, supermarkets, convenience stores and directly from mobile providers.
Australia’s three major mobile networks are Telstra, Optus and Vodafone. A number of smaller providers (called MVNOs — Mobile Virtual Network Operators) also operate on these networks at lower prices, including Boost Mobile, Aldi Mobile, Belong and amaysim. Telstra has the widest coverage across regional Australia; Optus and Vodafone are strong in metropolitan areas.
Two types of mobile accounts are available:
Prepaid
A prepaid SIM gives you an Australian number with no ongoing contract. You top up credit as needed — online, via the provider’s app or at retail outlets. Prepaid plans are widely available for as little as $10–$15 for a 28-day period with calls, texts and data included.
- Best for: students arriving for shorter periods, students wanting flexibility, or anyone not yet ready to commit to a contract
- No credit check required — easy to set up on arrival with just your passport
- If you don’t top up, the service pauses but your number is usually kept for a period before being released
Contract (Post-Paid)
If you’ll be in Australia for a full year or more and use your phone heavily, a monthly contract plan typically offers more data and calls for a lower monthly cost than prepaid.
- Plans typically run month-to-month (no lock-in) or on 12–24 month contracts
- Many plans include the handset at little or no upfront cost — you pay it off over the contract period
- A credit check may be required — if you’re new to Australia and don’t have a credit history, a month-to-month SIM-only plan is a practical alternative
- Best for: students staying for a full degree program who want the most data and value per month
Compare current plans at comparison websites such as WhistleOut (whistleout.com.au) or Finder (finder.com.au) — plans and pricing change frequently.
Home Internet
If you’re living in private accommodation, you’ll need to arrange your own internet connection. Most providers offer both:
- Fixed broadband — connected via the National Broadband Network (NBN). A modem is supplied by the provider and you pay a monthly rate for a data allowance (most plans now offer unlimited data). Contracts are typically month-to-month or 12–24 months. Setup can take 1–2 weeks after ordering, so arrange this before you move in if possible
- Mobile broadband — a 4G or 5G portable Wi-Fi device (often called a pocket Wi-Fi or MiFi). No fixed installation required — useful if you move frequently or need immediate internet
Major providers include Telstra, Optus, TPG, Aussie Broadband and Superloop. Compare current NBN plans at Finder (finder.com.au) or WhistleOut (whistleout.com.au).
On campus and in student accommodation — most institutions and student residences include Wi-Fi in common areas and study spaces. Some on-campus residences include internet in the room rate; others charge separately. Confirm with your accommodation provider before you arrive.
Making International Calls
- Calling internationally from Australia: dial 0011 + country code + area code (if required) + number
- Calling Australia from overseas: dial +61 + area code (drop the leading 0) + number. For example, a Melbourne number (03 XXXX XXXX) becomes +61 3 XXXX XXXX
- Calling within Australia: dial the area code (if calling a different state or territory) followed by the number. Mobile numbers (04XX) don’t require an area code
Cheaper options for international calls:
Most international students use internet-based apps for keeping in touch with family — WhatsApp, WeChat, Viber, FaceTime and Google Meet all work over Wi-Fi or mobile data at no additional cost beyond your data plan. These are significantly cheaper than traditional international calling rates.
Prepaid vs Contract — Which Is Right for You?
- Just arrived or staying less than 6 months → Prepaid. No commitment, easy setup, no credit check
- Staying for a full degree (1 year or more) → Contract or month-to-month SIM-only plan. Better value per month for heavy users
- Moving between accommodation → Mobile broadband (pocket Wi-Fi). No fixed installation, portable
- Settled in private accommodation → NBN fixed broadband. Best speeds and most cost-effective for home internet
- Living on campus → Check what’s included in your residence fee before signing up for a separate plan — you may already have what you need
For more on managing your communications budget, see the Living costs in Australia tab.
Transport in Australia — Getting Around as a Student
Australia’s major cities and regional centres are all served by public transport networks including buses, trains, trams and ferries. The type and frequency of services varies significantly depending on where you live — Melbourne and Sydney have extensive networks; regional areas may have more limited services. Private transport options including taxis, rideshares (Uber, DiDi) and hire cars are available everywhere.
Some larger education providers run their own campus transport services — particularly useful for late-night campus departures or campuses in areas not well served by public transport. Check with your institution what transport services or partnerships they offer.
Public transport costs vary by state, territory and transport type. Visit the relevant state or territory government transport website for timetables, fare information and any student concession arrangements available in your location.
Transport Concessions — State and Territory Guide
Transport concessions for international students vary significantly across Australia. The table below summarises current arrangements by state and territory — always verify with your institution or the relevant transport authority before assuming you’re eligible.
ACT
Transport concessions available to international students on presentation of a valid student ID card, or on successful application for an ACTION Students Concession Card. Visit the Transport Canberra website for current details.
NSW
International students are generally not entitled to standard transport concessions in NSW. However, tertiary institutions can offer discounted MyMulti passes, allowing savings of up to 35% on buses, trains, light rail and most ferries throughout Greater Sydney. A small number of students on specified Australian Government scholarships may also qualify — check the NSW Guidelines for Issuing NSW Tertiary Student Concession Cards.
NT
Primary, middle and senior school students travel free on presentation of a valid student card. University and VET students can access unlimited bus travel for three hours on any scheduled public bus service for $1.00 on presentation of a valid student card. Visit the NT Government transport website for full details.
QLD
Full-time international students studying in a course approved by Centrelink for Austudy, Abstudy or Youth Allowance are eligible for public transport concessions. Visit the Translink website for current Queensland concession fare details.
SA
The South Australian Government provides transport concessions to all international students on presentation of a formal student ID card. Visit Adelaide Metro for current fares and conditions.
VIC
Most international students do not qualify for standard Victorian concession cards. Exceptions include students on approved overseas exchange programs, students with refugee status and Australian Development Scholarship holders. Check eligibility with your education provider. Visit Study Melbourne for more details on Victoria’s transport network.
TAS
International students in Tasmania qualify for the same travel concessions as local students — one of the most generous arrangements in Australia. Visit the Tasmanian Government Discounts and Concessions website for details.
WA
Full-time international students in WA are eligible for public transport concessions. Transperth provides an integrated bus, train and ferry network across the Perth metropolitan area — one ticket covers all services within a given time period. Visit the Transperth website for current concession passes and the Study WA website for general transport information.
Driving in Australia
If you hold a current, valid driver’s licence from your home country, you may be able to drive in Australia without sitting an additional driving test — at least initially. However, most state and territory governments require you to obtain an Australian driver’s licence if you are residing in that state or territory for more than 3 months.
Key points to be aware of:
- Licence requirements vary by state and territory — some states accept international licences for the full duration of your stay; others require conversion after 3 months. Check with the relevant road authority in the state where you’ll be living
- Australia drives on the left — if you’re from a right-hand drive country, allow time to adjust before driving independently
- An International Driving Permit (IDP) from your home country may be required alongside your national licence in some states — check before you arrive
- Road rules vary slightly by state and territory — familiarise yourself with local rules including speed limits, mobile phone use and seatbelt requirements
Visit australia.gov.au or the relevant state or territory road authority website for current licence conversion requirements where you are living.
Transport Budgeting Tips for International Students
Transport is one of the more manageable living costs in Australia if you plan ahead:
- Use your concession card — if your state offers a concession, apply for it as soon as you arrive. The savings add up quickly over a semester
- Get a reloadable travel card — most Australian cities use a tap-on/tap-off smartcard system (Opal in NSW, Myki in VIC, Go Card in QLD, MetroCard in SA, SmartRider in WA). These are cheaper than paying cash fares and make tracking your transport spending easy
- Walk or cycle where possible — most Australian university campuses are in areas well-suited to walking and cycling, and many institutions have secure bike storage and shower facilities
- Check your institution’s transport partnerships — many universities negotiate additional student discounts with local transport providers that aren’t widely advertised
For a full breakdown of what living in Australia costs as a student, see the Living costs in Australia tab.
