Key point
Compare account fees, branch access and digital banking. Requirements differ by bank, and identity checks are commonly completed after arrival.
Before and after arrival
Some banks allow an online application before arrival, but account access may remain limited until identity is verified in Australia.
Bank details for tax and work
Use an account in your own name for wages and any ATO refund. Wise can be useful for transfers but is not a substitute for checking local banking requirements.
Before you apply
Check that your information covers the correct Australian income year. Keep source documents and do not enter TFNs, passport numbers or bank credentials in ordinary messages.
This guide provides general information only. Tax outcomes depend on individual circumstances and current law. Check official ATO guidance or obtain personal assistance before lodging.