Finance Know-How for International Students

Starting your study journey in Australia brings excitement and a fair bit of paperwork. Money matters can feel overwhelming when you're figuring out a new banking system, different currency, and unfamiliar financial regulations. We help make sense of it all.

Browse Our Programs

What Makes Financial Life Tricky Abroad

Most international students run into these same hurdles during their first semester. You're not alone.

Banking Basics

Opening an Australian bank account from overseas sounds simple until you hit the ID verification requirements. Different banks want different documents, and some transactions behave differently than back home.

Budget Reality

Rent, groceries, transport, textbooks. The numbers add up faster than expected, especially when converting from your home currency. Creating a working budget that actually reflects Australian living costs takes practice.

Work Hour Limits

Student visa restrictions cap your working hours, which means planning ahead becomes essential. Understanding when you can work full-time versus part-time helps avoid compliance issues down the track.

Tax Confusion

Tax file numbers, superannuation, tax returns. The Australian system works differently from what you might know. Getting it wrong can mean missing refunds or facing penalties nobody wants.

Student reviewing financial planning materials

Practical Steps We Walk Through

Our workshops focus on real situations you'll face. No generic advice that doesn't apply to student life.

Account Setup Guidance

We compare major banks and what they offer students. You'll learn which documents work best for verification and how to minimize fees while studying.

Realistic Budget Templates

Work with spreadsheets built around actual Australian costs. Track expenses by category and spot where money disappears each month.

Visa Condition Clarity

Understand your work rights and how they change during uni breaks. Learn what counts as working hours and how to stay compliant without stress.

Tax Year Preparation

Get your tax file number sorted early. Learn about lodging returns, understanding payslips, and claiming deductions that apply to students.

Who You'll Learn With

Our team includes people who remember their own international student experiences. We get it because we've been there.

Sienna Hartwell financial educator

Sienna Hartwell

Student Finance Specialist

Came to Melbourne for postgrad in 2019. Spent months figuring out banking before deciding to help others skip the confusion. Runs our banking and budgeting sessions.

Quinton Ashford tax advisor

Quinton Ashford

Tax Compliance Advisor

Started as an international student himself years back. Now helps students navigate tax season without panic. Makes complicated tax stuff feel manageable.

Marlowe Chen program coordinator

Marlowe Chen

Program Coordinator

Organizes workshops around busy study schedules. Studied abroad in Brisbane and Sydney. Knows which questions students ask most and builds content around that.

Quick Tips That Actually Help

01

Open Banking Before Arrival

Most major banks let you start the account process online before you land in Australia. Having a local account number ready when you arrive saves time and hassle during your first busy week.

02

Track Spending Weekly

Monthly budget reviews come too late to catch overspending patterns. Check your expenses every Friday. Small adjustments each week prevent big money problems later.

03

Keep Work Hour Records

Take photos of your rosters or keep a simple spreadsheet. If questions about visa compliance ever come up, having clear records makes everything straightforward.

04

Save Receipts Year-Round

Tax time arrives faster than you think. Keep a folder for work-related expenses throughout the year. Course materials, home office costs, and work uniforms might qualify for deductions.

05

Join Student Banking Events

Universities host financial literacy sessions during orientation. These free workshops cover basics and you'll meet other students figuring out the same stuff. Worth the hour.

06

Understand Currency Fluctuations

Exchange rates shift constantly. When family sends money from home, timing transfers during favorable rates saves hundreds over a semester. Watch trends for a few weeks before large transfers.