Oceania · Arrival Guide
Just Landed in Australia? Your First 7 Days
Australia is expensive, sun-drenched and heavily digitised, with most of the population clustered in Sydney, Melbourne, Brisbane, Perth and Adelaide. Tap-to-pay is near-universal, alcohol and rent are steep, and the sun is genuinely dangerous, so sort out a bank card, a phone plan and Medicare (if eligible) in your first week and buy sunscreen straight away.
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Getting your bearings in Australia
Your first weeks in Australia tend to feel deceptively easy and quietly expensive at the same time. Because everyone speaks English and the shops, apps and paperwork all feel vaguely familiar, the culture shock is gentle rather than jarring. What actually catches people out is the cost of everyday life, the distances involved, and how quickly the rental market moves. A flat white and a sandwich can vanish thirty dollars, a week's rent is quoted per week rather than per month, and the drive between two cities you assumed were close can take a full day.
Australia is enormous but empty in the middle: roughly 26 million people cling to the coastal fringe, mostly in the south-east. Sydney (New South Wales) is the biggest and priciest city, all harbour and hustle. Melbourne (Victoria) is cooler, artier and colder in winter. Brisbane and the Gold Coast (Queensland) are subtropical and outdoorsy, Perth (Western Australia) is isolated and mining-rich, Adelaide is smaller and more affordable, and Canberra is the planned, government-heavy capital. Each state runs its own transport card, health-department quirks and tenancy rules, so advice that works in Sydney may not translate exactly to Perth.
Language is not a barrier, but the accent, slang and dry humour take a fortnight to tune into. Australians abbreviate everything (arvo, servo, bottle-o, Maccas), take the piss constantly as a sign of warmth, and value being unpretentious over being impressive. The pace is relaxed but not lazy; shops and cafes often close earlier than newcomers expect, and much of life happens outdoors around beaches, barbecues and sport.
What surprises people most is the sun (UV levels that will burn you in twenty minutes), the wildlife hype versus the mundane reality, the price of alcohol and cheese, and how much easier everything becomes once you have a Tax File Number, a local bank card and a phone plan. Sort those three, buy sunscreen, and the rest falls into place.
Your first 48 hours
The essentials to sort out the moment you land in Australia.
- 1
Buy a prepaid SIM at the airport
Telstra, Optus and Vodafone vending machines and staffed kiosks sit in the arrivals halls at Sydney, Melbourne, Brisbane and Perth airports. You need photo ID (your passport) to activate an Australian SIM, as all mobile services must be identity-verified by law. Pick up a starter pack before you leave the terminal so you have data for maps, rideshare and calls immediately. Telstra has the best rural and highway coverage; Optus and Vodafone are cheaper in the cities.
- 2
Withdraw a small amount of cash
ATMs from the Big Four banks (Commonwealth, Westpac, ANZ, NAB) are inside every major terminal and generally do not charge their own withdrawal fee. Avoid the standalone Travelex and generic airport machines, which offer poor exchange rates and add high fees. Around AUD 100 to 200 covers incidentals such as a market coffee or a tradesperson until your account is live, though you will find you barely touch it.
- 3
Get from the airport into the city
In Sydney, tap onto the Airport Link train with a contactless card and reach the CBD in about 15 minutes (note the extra station access fee). In Melbourne, the SkyBus coach runs to Southern Cross Station roughly every 10 minutes. Brisbane has the Airtrain to the CBD in around 20 minutes, and Perth has the Airport Line train. Uber, DiDi and Ola all operate from clearly signed rideshare pickup zones at every major airport.
- 4
Buy sunscreen and a hat on day one
Australia has among the highest UV levels on earth and the world's highest skin-cancer rates. Grab SPF 50+ broad-spectrum sunscreen and a wide-brimmed hat from any Chemist Warehouse, Woolworths, Coles or petrol station. The sun burns even on cool, overcast days, and the UV index regularly hits extreme levels for hours around midday in summer. Reapply every two hours if you are outside.
- 5
Set up your phone with the essential apps
Before you leave the airport, download myGov, the local transport app (Opal Travel, Myki, or your city's equivalent), Uber or DiDi, and Google Maps set to offline mode for your area. Add your bank card to Apple Pay or Google Pay, because contactless payment is how you will buy almost everything, including bus and train fares. Having these ready removes most of the first-day friction.
- 6
Open or activate a bank account
You can open most Australian accounts before you arrive or within minutes of landing. Commonwealth Bank and Westpac run dedicated migrant onboarding and let you pre-open an account from overseas, then verify your ID in-branch with your passport once you land. App-based banks like Up, ING and Macquarie can be opened entirely from your phone and charge no international transaction fees, which is useful early on.
- 7
Apply for your Tax File Number (TFN)
A Tax File Number is your tax identity, issued free by the Australian Taxation Office. Apply online at ato.gov.au once you have arrived and have an Australian address; you do not need it to open a bank account, but without it your bank interest and any wages are taxed at the top marginal rate. It usually arrives by post within about 28 days, so start the application early.
- 8
Find short-term accommodation and start the rental hunt
Book two to four weeks in an Airbnb, serviced apartment or hostel to give yourself a base while you inspect properties. Rental listings move fast, especially in Sydney and Melbourne, so start browsing Domain, realestate.com.au and Flatmates.com.au immediately and register for inspections. Having a local address, even a temporary one, unlocks your TFN, Medicare and utility setup.
Your first week checklist
- Apply for your Tax File Number online at ato.gov.au so your wages and bank interest are not taxed at the top rate.
- Open or verify an Australian bank account with the Big Four or an app bank, and add the card to Apple Pay or Google Pay.
- Buy or activate a prepaid SIM with Telstra, Optus or Vodafone, taking your passport for identity verification.
- Enrol in Medicare at a Services Australia service centre if your visa or a Reciprocal Health Care Agreement makes you eligible.
- Create a myGov account and link Medicare and the ATO so government services are all in one place.
- Load a transport smartcard or set up contactless tap-on for your city (Opal, Myki, Go card, SmartRider or Metrocard).
- Register for rental inspections on Domain and realestate.com.au and prepare a rental application pack with ID and references.
- Buy SPF 50+ sunscreen, a hat and reusable shopping bags, and do a first grocery shop at Woolworths, Coles or Aldi.
- Find a local bulk-billing GP clinic and note your nearest public hospital emergency department for emergencies.
Getting connected
Mobile coverage is excellent across the cities and along the populated coast but drops off quickly in the outback and on inland highways, where only Telstra reliably works. Prepaid SIMs are cheap, sold in supermarkets, post offices and airports, and activated online with your passport. Home internet runs on the NBN (National Broadband Network); plans from Telstra, Aussie Broadband, TPG and Superloop typically cost AUD 70 to 100 a month.
Typical cost: AUD 25 to 45 per month for a prepaid plan with 30 to 100GB of data
Money & banking
Australia is almost entirely cashless: contactless cards, Apple Pay and Google Pay are accepted nearly everywhere, including buses, trains and market stalls. Carrying more than AUD 50 in cash is rarely necessary, and many small venues no longer accept cash at all. Be aware that card surcharges of roughly 1 to 2 percent are increasingly common, and the government has flagged tightening the rules around them.
Opening an account: The Big Four are Commonwealth Bank, Westpac, ANZ and NAB, all of which let you open an account with a passport and visa, often before you arrive, then verify ID in-branch. App-based banks like Up, ING and Macquarie are popular with newcomers for their low fees, strong apps and no-fee overseas card transactions, which matter while you still have money abroad. Wise and Revolut are widely used for cheap international transfers.
Cash: Cash is optional and declining fast. Some small cafes, tradespeople, food trucks and weekend markets still prefer or require it, and a few venues add a card surcharge, so keep AUD 20 to 50 on hand. ATMs are easy to find, but avoid standalone non-bank machines that charge access fees of AUD 2.50 or more.
Tipping: Tipping is not expected and is not built into wages, which are relatively high thanks to a strong minimum wage. Rounding up or leaving around 10 percent for exceptional restaurant service is appreciated but never obligatory, and no one will chase you for it. Cafes, taxis and bars carry no tipping expectation at all.
Registration & residency
Australia has no residents' registration or address-registration system, so you never report your address to a town hall or police as you might in Europe. Your equivalent first tasks are administrative: apply for a Tax File Number (TFN) online through the ATO so your income and bank interest are not taxed at the top marginal rate, set up a myGov account to access government services, and enrol in Medicare if your visa or a Reciprocal Health Care Agreement grants access. Keep your address current with your bank, the ATO and the Department of Home Affairs.
Where: Tax File Number via the Australian Taxation Office (ato.gov.au); Medicare via Services Australia (servicesaustralia.gov.au) or a Services Australia service centre; government services via myGov (my.gov.au)
Documents to keep handy:
- Passport with your valid visa (keep a digital copy and know your visa grant number and conditions via VEVO).
- Proof of a local address, such as an Airbnb booking or lease, needed to complete TFN, Medicare and utility setup.
- Overseas driving licence plus an official English translation or International Driving Permit if it is not in English.
- Bank details or proof of funds and, where required, evidence of Overseas Visitors or Overseas Student Health Cover.
- Academic and professional qualification certificates, ideally with any skills assessment used for your visa.
- Reference letters from previous landlords and employers to strengthen competitive rental applications.
Getting around
Cities run on tap-and-go contactless smartcards: Opal in Sydney, Myki in Melbourne, Go card in Brisbane, Metrocard in Adelaide and SmartRider in Perth. On most networks you can now tap on directly with a contactless bank card or phone rather than buying the card, and daily and weekly fare caps keep regular commuting affordable. Public transport is reliable and frequent in the inner cities but sparse in outer suburbs and country towns, where a car quickly becomes essential; petrol runs roughly AUD 1.80 to 2.20 a litre.
From the airport: Sydney: Airport Link train to the CBD in about 15 minutes, tapping on with a contactless card (a station access fee applies). Melbourne: SkyBus coach to Southern Cross Station roughly every 10 minutes, or the newer airport rail once open. Brisbane: Airtrain to the CBD in about 20 minutes. Perth: Airport Line train to the city. Uber, DiDi and Ola operate at all major airports from signed rideshare pickup zones.
Finding a home
Renting is competitive and moves fast, especially in Sydney and Melbourne, where vacancy rates are low and dozens of applicants can chase one property. Listings live on Domain and realestate.com.au, and you apply through agents, usually via the 2Apply or Snug online platforms, so prepare a complete application pack with ID, payslips or proof of funds and references before you start inspecting. Share houses advertised on Flatmates.com.au and city-specific Facebook groups are the fastest way to land a room without a rental history.
Typical rent: AUD 500 to 800 per week for a one-bedroom flat in a major city (higher in inner Sydney); a room in a share house runs AUD 250 to 450 per week
Deposit norm: A bond of four weeks' rent, lodged with the state bond authority (for example NSW Fair Trading's Rental Bonds Online, or the RTBA in Victoria) rather than held by the agent, plus two to four weeks' rent in advance
Healthcare
Australia's public system, Medicare, covers citizens, permanent residents and nationals of countries with a Reciprocal Health Care Agreement, including the UK, New Zealand, Ireland, Italy, Sweden, the Netherlands and several other EU states. Care is high quality, and public emergency departments treat everyone regardless of visa or insurance status. General practice is your first point of contact for most issues, and a Medicare card unlocks subsidised visits and cheaper prescriptions through the PBS.
How to access it: Enrol for a Medicare card at a Services Australia service centre or through myGov, then register with a bulk-billing GP clinic to avoid out-of-pocket fees, though fully bulk-billed clinics are becoming harder to find and many now charge a gap. Book GP appointments via HotDoc or the clinic directly; for urgent but non-emergency care use an urgent care clinic or call the free 24-hour Healthdirect line on 1800 022 222. For emergencies, go to a public hospital or call 000.
Insurance: Temporary and skilled visa holders usually need private health insurance, either Overseas Visitors Health Cover (OVHC) or, for students, Overseas Student Health Cover (OSHC), and many 482 work and student visas legally require it for the visa's duration. Bupa, Medibank, nib and Allianz are the main providers. Even Medicare-eligible residents often take out private hospital cover to avoid the Medicare Levy Surcharge if they earn above the income threshold.
Culture & etiquette
- Australians are informal: use first names quickly, and in a taxi or rideshare it is normal and friendly to sit in the front passenger seat when travelling alone.
- Punctuality matters for work and appointments, but social events and barbecues are relaxed about timing, and arriving a little after the stated start is fine.
- Shout your round at the pub; taking turns buying drinks for the whole group is an important social ritual, and skipping your turn is noticed.
- Say hello and thank the bus driver as you get off, and greet shop staff; a laid-back, egalitarian friendliness is the default register.
- Bring something to a barbecue or gathering, typically your own drinks or a plate of food to share ('bring a plate' means bring food, not an empty plate).
- Value modesty over self-promotion; talking yourself up too much can trigger 'tall poppy' pushback, whereas self-deprecation goes down well.
- Respect Indigenous culture: many events open with an Acknowledgement of Country or Welcome to Country, which is a genuine mark of respect, not a formality.
Things to watch out for
- The sun and surf are genuinely hazardous. Always swim between the red-and-yellow flags at patrolled beaches, respect rip currents, and never swim alone at unpatrolled beaches.
- Never drink and drive: random breath testing is common and the legal limit is a strict 0.05 blood alcohol, with heavy penalties and instant licence loss.
- Sarcasm and gentle mockery ('taking the piss') are signs of affection, not insults, and failing to banter back can read as cold or standoffish.
- Alcohol is sold only in licensed bottle shops and pubs, not in most supermarkets, and closing times are often earlier than newcomers expect.
- Bushfire and extreme-heat seasons are real risks in summer; know your area's fire danger rating and never assume the wildlife is more dangerous than the heat and water.
Apps to download before you land
myGov
Central portal linking Medicare, the ATO, Centrelink and other government services
Opal Travel / Myki / Go card
Manage, top up and check balances on your city's public transport smartcard
Uber
Rideshare and food delivery available nationwide
DiDi
Cheaper rideshare alternative operating in most major cities
HotDoc
Find and book GP and other medical appointments
Domain / realestate.com.au
Search rental and property listings and book inspections
Woolworths / Coles
Groceries, loyalty rewards and weekly specials, plus online delivery
Where newcomers live
Where you settle depends heavily on which city you land in, since Australia's capitals are spread across a continent. Newcomers often start in inner-suburban rentals or share houses with good transport before deciding on a longer-term area. Below are established landing spots across the main cities, chosen for transport, amenities and existing migrant communities rather than prestige.
Inner West, Sydney (NSW)
Suburbs like Newtown, Marrickville and Ashfield are diverse, cafe-heavy and well connected by train. Popular with young professionals and long-established migrant communities, though rents have climbed steeply in recent years.
Fitzroy and Brunswick, Melbourne (VIC)
The creative, tram-lined inner north, full of terraces, live music, coffee and share houses. Walkable and central, it suits students and creatives who want city life without paying CBD prices, but competition for rentals is fierce.
Parramatta, Greater Sydney (NSW)
Sydney's booming second CBD, far more affordable than the harbour suburbs, with fast train and metro links. Highly multicultural, with excellent South Asian and Middle Eastern food, and a strong choice for families and value-seekers.
South Brisbane and West End (QLD)
Subtropical, riverside and relaxed, with galleries, markets and a young crowd. Warmer weather and lower rents than Sydney or Melbourne make Brisbane an increasingly popular landing city for newcomers and remote workers.
Fremantle and Northbridge, Perth (WA)
Fremantle is a laid-back port with heritage streets and a strong food scene; Northbridge is Perth's nightlife and dining hub. Perth is isolated but affordable, with big skies, beaches and a strong mining-driven job market.
Adelaide inner suburbs (SA)
Areas like Norwood and Prospect offer parkland, wineries nearby and some of the lowest big-city rents in the country. Adelaide is calmer and cheaper, well suited to families and anyone prioritising affordability over hustle.
What things cost
Australia is one of the more expensive countries to live in, with housing the dominant cost, especially in Sydney and Melbourne. Groceries, alcohol and eating out feel pricey to most newcomers, but wages and the minimum wage are correspondingly high. Figures below are indicative monthly or per-item costs in Australian dollars for a major city; Sydney sits at the top end and Adelaide or Perth noticeably lower.
Staying safe & avoiding scams
Australia is a safe country by global standards, with low violent-crime rates and reliable emergency services reachable on 000 for police, ambulance and fire. Your real risks are environmental rather than criminal: severe UV and heat, rip currents at the beach, and bushfires and floods in summer, all of which cause far more harm than wildlife or crime. Take normal precautions with belongings in nightlife districts and on public transport, avoid drink-driving entirely given strict random breath testing, and download the relevant state emergency app (such as Hazards Near Me in NSW or the VicEmergency app) so you receive warnings for fires and floods.
Newcomers are common targets. Know these before you arrive — and read our guide to avoiding immigration scams.
Fake rental listings and bond theft
Scammers copy real listings on Gumtree, Facebook Marketplace and Flatmates, advertise a cheap flat, then demand a bond or holding deposit before you can inspect it, often claiming to be overseas and unable to show you around. Never pay a bond before inspecting a property in person and signing a lease with a licensed agent, and remember a legitimate bond is always lodged with a state authority, not paid directly to a person.
ATO, myGov and Services Australia impersonation
Callers, texts and emails claiming to be the Australian Taxation Office or Services Australia say you owe a debt or that your myGov account is suspended, then threaten arrest or deportation unless you pay immediately, frequently demanding gift cards, cryptocurrency or a bank transfer. Government agencies never demand payment that way or threaten instant arrest; hang up, do not click links, and verify anything through the official app or a number you look up yourself.
Job and money-mule scams targeting new arrivals
Fake recruiters on WhatsApp, Telegram or job boards offer easy remote 'task' or 'reviewing' work, then ask you to pay upfront for training or to move money through your own bank account for a cut. Any job that asks you to pay to start, or to receive and forward funds, is a scam and can leave you personally liable for laundering. Legitimate Australian employers never ask you to pay them to work.
Bank and card surcharge phishing
As Australia goes cashless, scammers send fake 'unusual activity' texts appearing to come from Commonwealth Bank, NAB or Australia Post, linking to convincing login pages that harvest your details. Banks never text you a link to log in or verify a payment; open your banking app directly, and report suspected scams to Scamwatch (scamwatch.gov.au) and your bank's dedicated fraud line.
Frequently asked questions
Do I need to register my address when I arrive?
No. Australia has no address-registration system or residents' registry, so you never report where you live to a council or the police. Your equivalent first tasks are getting a Tax File Number from the ATO so you are taxed correctly, setting up a myGov account, and enrolling in Medicare if your visa qualifies.
Can I open a bank account before I arrive?
Yes. Commonwealth Bank, Westpac, ANZ and NAB all let you pre-open an account online from overseas using your passport and visa, then collect your card and verify ID once you land. App banks like Up, ING and Macquarie can be opened entirely from your phone after arrival, often in minutes, and charge no international card fees.
How do I get a Tax File Number and why does it matter?
Apply free online through the ATO at ato.gov.au once you have an Australian address; it usually arrives by post within about 28 days. Without a TFN, your wages and bank interest are taxed at the top marginal rate rather than your correct rate. You do not need it to open a bank account, but you should have it before you start work.
Is Australia really that cashless?
Almost entirely. Contactless cards, Apple Pay and Google Pay work nearly everywhere, including public transport, market stalls and small shops, and some venues no longer accept cash at all. Keep AUD 20 to 50 on hand for the occasional cash-only cafe, food truck or tradesperson, and watch for card surcharges of around 1 to 2 percent.
Am I eligible for Medicare as a newcomer?
It depends on your visa. Permanent residents and citizens are covered, as are visitors from countries with a Reciprocal Health Care Agreement, including the UK, Ireland, New Zealand and several EU states. If you are eligible, enrol at a Services Australia centre or via myGov. On most temporary visas you rely on private cover instead, but public emergency departments treat everyone.
How do I access a doctor and what does it cost?
Register with a local GP clinic, ideally one that bulk-bills so there is no out-of-pocket fee, though many now charge a gap of AUD 40 or more even with Medicare. Book through HotDoc or the clinic directly, and use the free Healthdirect line on 1800 022 222 for after-hours advice. For emergencies, go to a public hospital or call 000.
How hard is it to find a rental, and how do applications work?
Renting is competitive in the big cities, with many applicants per property and low vacancy rates. Prepare an application pack with ID, proof of income or funds and references before inspecting, and apply through platforms like 2Apply or Snug. A share house found on Flatmates.com.au is usually the fastest route while you build a local rental history.
Can I drive on my overseas licence?
Generally yes for a period after arrival if your licence is in English or carried with an official translation or International Driving Permit, but the exact rules and time limits differ by state. Permanent residents usually must convert to a local licence within a few months. Check your state's transport authority, such as Service NSW or VicRoads, for the deadline that applies to you.
What are the biggest safety risks I should know about?
The environment, not crime. Sun and heat are extreme, so use SPF 50+ and stay hydrated; only swim between the flags at patrolled beaches because rips are the leading cause of coastal drowning; and in summer stay alert to bushfires and floods via your state's emergency app. Australia is otherwise safe, with reliable services on 000.
Do I tip, and how much do I budget for daily life?
Tipping is not expected because wages are high, though rounding up for great restaurant service is welcome. Budget generously: a coffee is around AUD 5, a mid-range dinner for two runs AUD 90 to 140, and rent is the dominant cost, quoted per week. Sydney is the most expensive city, while Adelaide, Perth and Brisbane are noticeably cheaper.
Planning the move, not just the landing?
This guide covers your first days on the ground. If you’re still weighing visas and pathways to Australia, start with a free eligibility assessment.