First Steps After Moving to Australia: Complete Week 1 Guide

In your first week in Australia, confirm your visa status, register with the government, open a bank account, secure housing through SettleBuddy's Housing AI, obtain a Tax File Number, enrol in Medicare, learn transport options, and start building a local network. Each step follows a clear order to keep you compliant and comfortable.

1. Verify Your Visa and Points Status

Begin by double‑checking the subclass of visa you entered Australia on. The Department of Home Affairs maintains a comprehensive visa listing that details eligibility, conditions, and any post‑arrival obligations. For skilled migration visas such as Subclass 189, 190, or 491, the minimum points threshold is 65 points, as outlined in the official key facts [Department of Home Affairs — Visa listing]. This verification prevents unexpected breaches that could affect future residency pathways.

If you entered on a points‑tested visa, locate your occupation on the current Skilled Occupation List (SOL) to ensure it remains valid. The SOL is regularly updated, and the latest version can be accessed via the Home Affairs website. Should your occupation have shifted off the list, you may need to apply for a different visa subclass or seek a state nomination, so act promptly to avoid gaps in lawful status.

For any visa subclass, consult the Home Affairs pricing estimator to understand the exact Visa Application Charge (VAC) you may need to pay for dependent family members or extensions. While the estimator provides a real‑time figure, the official pricing page lists the baseline charges for each subclass [Home Affairs — Current visa pricing]. Keep a record of these amounts for future budgeting and potential renewals.

2. Register with Australian Government Services

Within the first 48 hours, create an ImmiAccount if you have not already done so. This portal is the central hub for managing your visa, uploading health and character documents, and tracking application status. The portal also links to the Department’s online services for updating personal details, which is essential for keeping your visa conditions current and avoiding penalties.

Next, enrol in the Australian Taxation Office (ATO) portal to prepare for your Tax File Number (TFN) application. Even if you plan to work only temporarily, a TFN is required for any lawful employment and for accessing government benefits. The ATO portal guides you through the online TFN request, which typically processes — the timeline varies (confirm the current timeline on the official source).

Finally, sign up for the MyGov account, which consolidates access to Medicare, Centrelink, and other essential services. MyGov enables you to link your TFN, health insurance, and other records, streamlining interactions with multiple agencies. Remember to set up two‑factor authentication for added security, especially when handling financial or immigration data.

3. Open a Local Bank Account

A functional bank account is vital for receiving salary, paying rent, and handling everyday expenses. Major Australian banks—Commonwealth, Westpac, ANZ, and NAB—allow new residents to open accounts with a passport, visa grant notice, and proof of address. Many banks also support online account opening, which can be completed before you even set foot on Australian soil.

When selecting an account, consider features such as fee‑free transactions, ATM access, and integration with budgeting apps. Some banks offer introductory offers for newcomers, like fee waivers for the first three months. Be sure to ask about overseas transfer fees if you plan to move money from your home country.

SettleBuddy’s Housing AI can also suggest neighborhoods that are close to bank branches, reducing your commute during the first week. By linking your housing search with banking convenience, you can settle faster and avoid the hassle of traveling across the city for basic services.

4. Secure Accommodation with SettleBuddy Housing AI

Finding a home in a new country can be overwhelming, but SettleBuddy’s Housing AI eliminates guesswork by matching your budget, preferred suburbs, and lifestyle needs with verified rental listings. The AI draws on real‑time market data and local insights, ensuring you see only options that meet your criteria and comply with Australian tenancy laws.

Start by entering your desired move‑in date, number of occupants, and any special requirements such as pet‑friendliness or proximity to public transport. The AI then generates a shortlist of properties, complete with virtual tours and lease terms. Because SettleBuddy partners directly with landlords and property managers, you avoid hidden fees and can sign a lease digitally within minutes.

Once you have a lease, remember to arrange utility connections—electricity, gas, and internet—through the providers listed in your welcome packet. SettleBuddy also offers a checklist feature that tracks each step, from meter readings to rental bond payments, keeping you organized and compliant with the Residential Tenancies Act.

5. Obtain Your Tax File Number (TFN)

Your TFN is the cornerstone of the Australian tax system. Apply online via the ATO portal using your passport, visa grant notice, and proof of residency. The application is free, and the ATO typically issues the TFN — the timeline varies (confirm the current timeline on the official source), after which you can provide it to any employer for payroll processing.

If you are on a temporary work visa (e.g., Subclass 482), your employer may request the TFN during onboarding. Failure to supply it can result in higher tax withholding rates, so keep the TFN handy in a secure digital wallet. The ATO also offers a TFN finder tool for those who have previously applied but misplaced the number.

For those planning to start a business or freelance, the TFN also serves as the basis for registering for an Australian Business Number (ABN). The ABN registration process is separate but can be initiated through the Australian Business Register website, and SettleBuddy’s Career AI can guide you through the necessary steps.

6. Enrol in Medicare and Arrange Private Health Cover

All permanent residents and many temporary visa holders are eligible for Medicare, Australia’s universal health care system. To enrol, visit a Medicare Service Centre with your passport, visa grant notice, and proof of address. You will receive a Medicare card — the timeline varies (confirm the current timeline on the official source), granting access to public hospitals and subsidised medical services.

While Medicare covers many essential services, it does not include dental, optical, or certain specialist treatments. Many newcomers choose complementary private health insurance to fill these gaps. Compare policies through SettleBuddy’s Career AI, which can recommend plans based on your employment sector, age, and health needs.

Remember to update your Medicare details if you change address or employment status. The MyGov portal allows you to manage your Medicare information, link it to your TFN, and view claim history—all essential for staying compliant with Australian health regulations.

7. Learn Public Transport and Driving Rules

Australia’s major cities—Sydney, Melbourne, Brisbane, Perth, and Adelaide—offer extensive public transport networks, including trains, buses, and ferries. Purchase an Opal (Sydney), Myki (Melbourne), or similar smart card to enjoy seamless travel and discounted fares. Most cards can be topped up online, and SettleBuddy’s Language Lab offers quick phrase guides for asking directions in Australian English.

If you plan to drive, you must convert your overseas driver’s licence within three months of arrival, according to the Department of Transport of your state or territory. Some states accept a direct licence exchange, while others require a knowledge test. Check the relevant state website for exact requirements and fees, and schedule an appointment early to avoid delays.

Cycling is also popular in many urban areas, especially in Melbourne’s inner suburbs. Dedicated bike lanes and shared‑path systems make commuting by bike safe and efficient. Regardless of your transport choice, keep a copy of your visa label and passport in your vehicle or on your person, as authorities may request proof of lawful residency.

8. Build Community and Language Skills

A strong social network eases the cultural transition and opens doors to job opportunities. Join local expat groups, community centres, and sports clubs that align with your interests. SettleBuddy’s Language Lab provides tailored lessons for newcomers, focusing on everyday Australian English, slang, and workplace communication, helping you feel confident in conversations from day one.

Attend free events hosted by city councils—such as cultural festivals, library workshops, or volunteer meet‑ups—to meet locals and learn about Australian customs. These gatherings often feature information booths about local services, making them a practical source of insider tips on everything from grocery shopping to navigating the healthcare system.

If you have children, explore early childhood education options early, as enrollment slots can fill quickly. SettleBuddy’s Career AI can suggest schools and childcare centres near your new home, and the platform’s community forum lets you connect with other families for shared experiences and advice.

9. Organise a Structured First‑Week Routine

Create a day‑by‑day checklist that balances essential tasks with self‑care. For example, Day 1 can focus on visa verification and MyGov setup; Day 2 on banking and TFN; Day 3 on housing and utilities; Day 4 on Medicare and health insurance; Day 5 on transport cards and driving licence conversion; Day 6 on community outreach; and Day 7 on reviewing the week’s progress and adjusting plans.

Use SettleBuddy’s built‑in planner to set reminders for each milestone, attach relevant documents, and track completion status. The planner also integrates with your calendar, sending alerts for upcoming appointments—such as a bank visit or Medicare centre—so you never miss a deadline. A structured routine reduces stress and ensures you meet all regulatory requirements within the first week.

Finally, reflect on your experience at the end of the week. Note any challenges, such as paperwork delays or unfamiliar terminology, and use SettleBuddy’s support chat to ask follow‑up questions. Remember, while this guide covers the most common first‑week steps, complex visa or tax situations should be reviewed by a licensed immigration or financial professional.

FAQ

Official sources

The regulated facts in this guide are drawn from official government sources. Rules and figures change — always confirm the current detail on the official page before you act.

• Department of Home Affairs — Visa listing
• Home Affairs — Current visa pricing