Every step in the right order — across all 8 states and territories, for every situation. TFN, Medicare, KiwiSaver transfer, AU super, driving licence, pets, kids, business owners and more. Official links and Kiwi-specific advice nobody else covers.
Most New Zealand citizens qualify for the Special Category Visa (SCV, Subclass 444) automatically on arrival — you don't apply for it beforehand. It's granted at the Australian border when you present your NZ passport. If you're a NZ permanent resident (not a citizen), you'll need to apply for a separate visa.
The SCV lets you live and work in Australia indefinitely — but it has real restrictions most Kiwis don't know about. You cannot: sponsor family members for migration visas, access most Centrelink payments (with limited exceptions), apply directly for citizenship (you must first get permanent residency), or vote in federal elections. Understanding these limits before you move prevents nasty surprises.
Each city has a very different job market, rent level, lifestyle and Kiwi community. Sydney has the highest Kiwi population and top salaries — but also the highest rents. Melbourne is strong for finance, creative industries and healthcare. Brisbane is growing fast and more affordable. Perth has very high wages in mining and construction. Use the GoAustralia Suburb Finder to compare areas.
Before your first Australian paycheque arrives, you'll need to cover flights, removalists, bond (4 weeks rent), 2 weeks rent in advance, a SIM card, and initial groceries. In Sydney or Melbourne, budget $8,000–$12,000 NZD. Brisbane or Perth is typically $6,000–$9,000 NZD. Use the GoAustralia Move Cost Calculator to get a personalised estimate.
Real first-hand advice from Kiwis who moved recently is more useful than any guide. Join "Kiwis in Sydney", "Kiwis in Melbourne" or equivalent Facebook groups for your target city. Reddit's r/newzealand and r/australia both have active threads about moving. Ask specifically about rental applications, the best suburbs for newcomers, and what they wish they'd known.
Since July 2023, NZ citizens who have lived in Australia on an SCV for 4+ years, earn above the median Australian salary (~$70,000 AUD), and have no serious criminal convictions can apply directly for Australian permanent residency. PR is a game-changer: it unlocks Centrelink, the ability to sponsor family members, a path to citizenship, and voting rights. Understanding this timeline from day one lets you plan your long-term future in Australia rather than discovering it years later.
Australian nominal salaries are typically 40–60% higher than NZ equivalents, but cost of living in Sydney and Melbourne partially offsets this. Use Seek Salary Insights, LinkedIn Salary, Glassdoor, and the government's Labour Market Insights tool to get realistic figures for your specific role and city. Perth and Brisbane often have the best salary-to-cost ratio, especially in construction, mining, healthcare and IT. Factor in the 11.5% superannuation (paid on top of salary) when comparing — it's not deducted from your take-home pay.
NZ citizens on SCV have limited access to Centrelink — most Kiwis don't realise this until they need it. You ARE eligible for: Medicare (day one), Child Care Subsidy (CCS), Family Tax Benefit (FTB) Parts A & B, Paid Parental Leave, Carer Allowance, and Age Pension after 10 years qualifying residence. You are NOT eligible for: JobSeeker, Youth Allowance, Austudy, Disability Support Pension (until you get PR). Understanding this before you move is essential for financial planning and emergency budgeting.
Your TFN is your unique identifier with the Australian Tax Office (ATO). Without it, your employer must withhold 47% of your wages — the highest possible rate. You can apply for a TFN online from New Zealand before you arrive using your NZ passport. Allow 28 days for the letter to arrive at your Australian address. Apply to your intended address — you can update it later.
Commonwealth Bank, ANZ, NAB and Westpac all let NZ citizens open an account online before arriving. You'll need an Australian address — use your temporary accommodation. Complete identity verification in-branch within 6 weeks of arriving. Having an account ready means your first pay can land the moment you start work. CommBank's Smart Access account is the most popular with new arrivals.
You can transfer your KiwiSaver balance to an approved Australian super fund under the Trans-Tasman Retirement Savings Portability scheme. This is optional — you can leave it in NZ. If you transfer: you cannot withdraw it until Australian preservation age (60), it's subject to Australian tax rules, and you lose NZ government contribution history. The transfer takes 6–10 weeks and requires forms from both funds. The Tax & Finance guide covers the full process.
International removal companies can be fully booked months in advance, especially in summer. Get at least 3 quotes — prices vary significantly for the same volume. For a 1-bedroom flat, expect $3,000–$6,000 NZD by sea (4–6 weeks transit). All goods must be declared and may be inspected by Australian biosecurity. A detailed packing inventory is required. Items like wood, soil, seeds, fresh food and some leather goods are restricted.
Australia has some of the world's strictest biosecurity rules for pets. Dogs and cats from New Zealand must be microchipped, treated for parasites in the 10 days before travel, vaccinated, and have a vet health certificate issued within 5 days of travel. There is mandatory quarantine on arrival (typically 10 days, at your cost). Book quarantine well in advance — spots at the Melbourne AQIS facility are limited and often booked months out.
Your passport should be valid for at least 6 months past your planned arrival date. If it expires within 12 months, renew it before you move — renewing from Australia takes longer and costs more.
NZ citizens are eligible for Medicare in Australia from day one of arrival. You must enrol in person at a Services Australia office. Medicare covers most GP visits, hospital treatment and some medications. You'll receive a Medicare card in the mail. Until it arrives (2–3 weeks), carry your enrolment receipt.
Use realestate.com.au and domain.com.au to understand realistic rent in your target suburbs. Australian rental markets move fast — properties are often leased within days. Understand the application process differs from NZ and competition is high.
In Australia you typically pay 4 weeks bond plus 2 weeks rent in advance on signing. In Sydney that's easily $8,000–$12,000 AUD upfront before you've had a single paycheque. Start saving this buffer in NZ and transfer it to your Australian account before the move.
Book direct flights to your target city. For short-term accommodation, Airbnb, serviced apartments or a hostel in the right suburb gives you a base to attend property inspections in person. Budget 2–6 weeks of temporary housing — rental applications almost always require attending an open home.
Public schools in Australia are zoned — your child must attend the school for their catchment area. Private and Catholic schools have their own enrolment processes with often long waiting lists. Research which schools are in the zones of suburbs you're considering renting in.
Shipping costs are calculated by volume and weight. Decluttering 3 months out gives you time to sell items on Facebook Marketplace or TradeMe, donate to charities, and reduce your shipping volume significantly. Sell what you can — Australian equivalents are often cheaper than you expect.
Many Australian employers in healthcare, education, childcare, finance and government require an international police check from your country of residence. Apply via the NZ Police website — it costs $8 NZD and takes 5–10 working days. Do this before leaving NZ — applying from overseas adds delays. You'll also need a separate Australian National Police Check after arriving. Some regulated professions require both.
AHPRA (Australian Health Practitioner Regulation Agency) registers doctors, nurses, midwives, dentists, physiotherapists, pharmacists, and 12 other health professions. You CANNOT practice in Australia without AHPRA registration, and registration is not automatic — even with full NZ registration. Processing takes 6–12 weeks for some professions. NZ qualifications are generally recognised, but you must formally apply and may need to meet additional English language or supervised practice requirements.
Teachers must hold state-specific registration before starting work in any Australian school. Each state has its own Teachers Registration Board — registration is not transferable between states. NZ teachers generally qualify for direct recognition under TTMRA but must still formally apply. State fees vary: VIT (VIC) $126/year. NESA (NSW) $100. QCT (QLD) $95. TRB SA $90. TRB WA $112. ACARA/ACT $0 initially. Don't assume your NZ registration transfers — you must apply before starting work.
Engineering registration requirements in Australia depend on your engineering discipline and the type of work you'll be doing. NZ engineers may apply through Engineers Australia (EA) using the Washington Accord pathway — NZ engineering degrees from IPENZ-accredited institutions are recognised. Some states (QLD, SA) also have licensing requirements for Registered Professional Engineers (RPEQ, RPEISA) for certain public-safety engineering. Start the EA membership process before arriving as it takes 8–12 weeks.
NZ lawyers cannot practice in Australia without being admitted to the bar in an Australian jurisdiction. You must apply through the Legal Admissions Board in your target state, submit your NZ law degree and admission certificate, and may need to complete a bridging course if your degree doesn't cover all required Australian subjects. The process typically takes 3–9 months. Large law firms often have in-house processes to sponsor lawyers through Australian admission — worth asking your prospective employer.
NZ tradespeople (electricians, plumbers, carpenters, gasfitters, refrigeration mechanics, etc.) must have their qualifications assessed under the Trans-Tasman Mutual Recognition Arrangement. Many trades are directly recognised — but you'll still need a state-issued licence to work. Electrical licensing varies by state (licensed electrician in NSW ≠ automatic licence in QLD). Apply to the Trades Recognition Australia (TRA) body and your target state's licensing authority before arriving to avoid delays.
This is one of the most financially significant deadlines for new arrivals to Australia and most Kiwis miss it. If you don't take out private hospital cover within 365 days of first becoming eligible for Medicare, you'll pay a 2% Lifetime Health Cover loading on top of your premiums for every year over 30 you were without cover — permanently. A 40-year-old who waits 2 years pays 20% extra for life. A 45-year-old who waits 5 years pays 30% extra for life. This loading stays until you've held continuous hospital cover for 10 years.
If you have an active ACC claim, notify ACC of your change of address and intended departure date. ACC can continue making weekly compensation payments to an Australian bank account for eligible claimants. Some entitlements cease or change when you become an Australian resident. If your injury requires ongoing treatment, ACC can arrange for treatment to continue in Australia in some circumstances — but only if properly set up before you leave.
Most NZ tenancy agreements require 21 days notice (periodic tenancy). Fixed-term tenancies are more complex — you may need the landlord's agreement. Document everything in writing and photograph the property thoroughly before leaving.
Check your employment agreement for your notice period (typically 4 weeks for most roles). Confirm your final pay, any unused annual leave payout, and your last KiwiSaver contributions. Get a reference letter for your Australian job search.
File an IR886 (Tax residency status) form with Inland Revenue to inform them you're leaving NZ. Update your contact address to your Australian one. If you have ongoing NZ income (rental property, investments), you'll still need to file NZ tax returns.
If you have a NZ student loan, it becomes interest-bearing the day you leave NZ permanently. You're required to make minimum repayments based on your worldwide income. Notify StudyLink and IRD. Ignoring it leads to penalties — the interest rate for overseas borrowers is significant.
You can port your NZ mobile number to a NZ provider that offers roaming, keep it on a low-cost plan, or cancel it and get an Australian number. Most Kiwis get an Australian SIM from Optus, Telstra or Vodafone on arrival. Having a local AU number is essential for bank accounts, rental applications and job applications.
You can drive in Australia on your NZ licence for up to 3 months after arrival. After that, you must convert to an Australian state licence. To do so you'll need your NZ licence, proof of identity and a driving history report from the NZTA. Get this before you leave — it's easier to obtain from NZ.
While NZ citizens are eligible for Medicare in Australia, there's a gap between arrival and enrolment (enrolment is in person on arrival). Get travel insurance that covers health during transit and your first days. Some policies exclude "moving overseas" so read the fine print carefully.
Australian rental applications are competitive. You'll need: 100 points of ID, payslips or employment letter, bank statements, NZ rental references in Australian format, and a cover letter explaining your NZ background. The GoAustralia Masterguide includes a rental application template specifically for Kiwis without Australian rental history.
Australian property managers want references in a specific format. Ask your current NZ landlord for a written reference on letterhead with their contact details and how long you've rented from them. Same for your employer — an employment reference stating your role, tenure and salary is essential for rental applications.
Your employer will pay 11.5% of your salary into an Australian super fund from day one. If you don't choose a fund, your employer will select a default. Compare fees, investment options and insurance. Industry funds (Australian Super, Hostplus, REST) consistently outperform retail funds on long-term returns. You'll need your fund's USI and member number to give to your employer.
Most NZ qualifications are recognised in Australia under the Trans-Tasman Mutual Recognition Arrangement (TTMRA). However, regulated professions (nursing, teaching, engineering, law, medicine, real estate) require you to register with the relevant Australian body. Start this process before you arrive — some registrations take months.
Items that don't fit in your shipping container or aren't worth shipping (large furniture, appliances) need to be sold, donated or put in storage. NZ storage typically costs $150–$400/month for a standard unit. Facebook Marketplace is the fastest way to sell large items — list 6–8 weeks before moving.
Update your address and discuss account options. Most NZ banks allow you to keep your account open with an overseas address for ongoing NZ transactions. Consider keeping one NZ account for NZ income, ACC claims or returning visits. Update internet banking to your Australian phone number for 2FA.
You'll repeatedly need certified copies of your birth certificate, marriage certificate (if applicable), and NZ qualifications. Get 3–5 certified copies of each in NZ — a Justice of the Peace can certify for free. Apostille certification may be needed for some Australian professional registrations.
While NZ citizens qualify for Medicare, Medicare doesn't cover dental, optical, physiotherapy or private hospital rooms. If you earn above $93,000 AUD, you'll pay the Medicare Levy Surcharge (1–1.5%) unless you hold private hospital cover. Compare policies on iselect.com.au or privatehealth.gov.au.
Australian CVs differ from NZ ones: 2–4 pages is standard (not 1–2), include your LinkedIn profile URL, professional summary at top (not an objective statement), month/year for all employment dates, and referee contact details on request (not listed). Cover letters are expected for most professional roles and should be tailored to the job description. Do not include a photo. The Australian job application process is more formal than NZ — generic applications rarely succeed in competitive markets like Sydney and Melbourne.
If you plan to work as a contractor, freelancer or run your own business in Australia, you'll need an Australian Business Number (ABN). Without an ABN, clients must withhold 46.5% of your invoices (the no-ABN withholding rate). An ABN is free to register and takes 15 minutes online. You can register before arriving if you have an Australian address. Also understand the difference between an employee and a contractor under Australian tax law — genuine contractors need proper agreements to avoid being deemed an employee by the ATO.
If you're keeping a NZ investment property, appoint a licensed property manager before you depart. Managing remotely from Australia — dealing with tenant issues, maintenance, disputes — is stressful and risky without local representation. A property manager (typically 7.5–10% of rent) handles rent collection, inspections, tenancy agreement renewals, and repairs. They're also your point of contact for the NZ Tenancy Tribunal if issues arise. Get this sorted 6–8 weeks before leaving so the handover is smooth.
Anyone who works or volunteers with children in Australia must hold a state-specific check — and each state has a different name, issuing body, fee, and processing time. NSW: Working With Children Check (WWCC) — $80 paid workers, free volunteers. VIC: Working With Children Check — $132.30 paid, free voluntary. QLD: Blue Card — $118 paid, free voluntary. WA: Working with Children Check — $11. SA: Screening Check — $115.70. TAS: WWCR — $14. ACT: WWCC — $118. NT: Ochre Card — free. You cannot start work with children until the check is approved.
Your NZ pet insurance won't cover Australia and most policies end when you leave NZ. Get an Australian quote before you arrive — having coverage in place from day one avoids waiting periods for illnesses that develop during transit or in the first weeks. Australian pet insurers include Petplan, Budget Direct Pet, and RSPCA Pet Insurance. Note: Australia has paralysis ticks in coastal NSW and QLD that don't exist in NZ — ensure your policy covers tick treatment (which can cost $3,000–$8,000+ for tick paralysis).
You can remain enrolled as an overseas NZ voter for up to 3 years and still vote in NZ elections from Australia. To update your enrolment to reflect your overseas address, contact the Electoral Commission. Importantly: NZ citizens on the SCV in Australia CANNOT vote in Australian federal elections — only Australian citizens can. However, NZ citizens CAN vote in some state/territory elections: QLD, NSW and ACT allow permanent residents (which SCV holders are considered for state purposes in some circumstances) to vote.
NZ Post offers a mail redirection service for 3 or 12 months. Update your address with: NZ IRD, your NZ bank, KiwiSaver provider, insurance providers, subscriptions, and any government agencies. Your NZ electoral roll address also needs updating.
Cancel: gym membership, Spotify/Netflix if switching to AU accounts, magazine subscriptions, NRMA/AA, professional memberships, any recurring direct debits. Check your bank statements for any subscriptions you may have forgotten.
Give your electricity, gas and internet providers notice of your final date. Schedule disconnection for the day you hand the keys back. Get final readings and ensure accounts are closed to avoid being charged after departure. Get refunds for any bonds held.
If you receive any Work and Income NZ payments, you must notify them before leaving. Continuing to receive NZ benefits while living in Australia is fraud. Some entitlements may be accessible from Australia — the MSD can advise on your specific situation.
File any outstanding NZ tax returns before leaving. Check you have no overdue tax, outstanding assessments or payment plans. If you've been self-employed or had untaxed income, sort it before departure — IRD can pursue debts internationally.
Don't use your NZ bank's international transfer — the fees and exchange rates are poor. Use Wise (formerly TransferWise) for near mid-market rate transfers with low flat fees. Transfer your moving buffer in stages to avoid holding large amounts in transit. For amounts over $10,000 AUD, Australia requires reporting to AUSTRAC.
Australia has some of the world's strictest biosecurity controls. Declare everything on your Incoming Passenger Card — penalties for non-declaration are severe. Prohibited or restricted items include: fresh or dried fruits and vegetables, meat, dairy, seeds, plants, soil, untreated wood items, and some leather goods. When in doubt, declare it.
Some apps are region-locked and harder to access after you change your App Store region. Before you leave: download myGov, ATO app, your Australian bank's app, Opal/Myki/Go Card app for your target city, realestate.com.au, and your state's emergency services app.
If shipping pets, confirm your quarantine booking, arrange approved airline-compatible crates, and book your vet appointment for the health certificate (must be issued within 5 days of travel). Confirm your quarantine collection date and make accommodation arrangements near the quarantine facility.
Don't underestimate how much time farewells take in the final weeks. Schedule them deliberately — trying to fit everyone in at the last minute adds stress. Allow time for meaningful catch-ups with close family and friends.
Never check important documents. Carry in your hand luggage: both passports (all family members), TFN confirmation letter, Australian bank card, removalist documents, pet import permits, rental application documents, employment offer letters, NZ driver licence and certified document copies.
Shipping a car from NZ to Australia costs $1,500–$3,000 AUD and takes 2–4 weeks by sea. Your vehicle must comply with Australian Design Rules (ADR) — left-hand drive vehicles are banned. Headlights, speedometers (km/h), and some safety equipment must meet ADR specifications. Some older NZ vehicles cannot be imported at all. Crucially: your NZ car insurance will not cover you in Australia. Get an Australian comprehensive insurance quote before the car arrives — you'll need it from day one.
Australia's natural disaster risk is real — bushfires, floods, cyclones and severe storms are annual events in most states. Download your state's emergency alerts app before you arrive so it's ready to use with location services enabled when you land. Apps by state: NSW — Hazards Near Me. VIC — Emergency VIC. QLD — Get Ready Qld. WA — Emergency WA. SA — Alert SA. TAS — Tasmania Alert. ACT — Emergency ACT. NT — My Emergency Alert (Darwin). All are free and available on iOS and Android.
On your final day, photograph and note electricity, gas and water meter readings. Send these to your utility providers. This prevents you being billed for usage after you vacate. Keep a record in case of disputes.
Do the final inspection with your landlord. Photograph every room before handing keys back. If the property is in good condition, your bond should be refunded within 5 working days via Tenancy Services. Dispute any deductions in writing.
Get written confirmation from your landlord that keys have been returned and the property accepted back. Keep this as evidence the tenancy ended properly. This protects you if any dispute arises later.
The day before pickup, confirm the exact time window, payment method, and any last-minute changes to your inventory. Ensure items are fully packed and labelled before the team arrives — you'll be charged for time if you're not ready.
Arrive at the airport with extra time — international departures require more time than domestic. Complete your Australian Incoming Passenger Card on the plane honestly. You'll clear Australian customs and biosecurity on arrival. The SCV is granted automatically on arrival as an NZ citizen.
Declare everything on your Incoming Passenger Card — always err on the side of declaring. Biosecurity officers may inspect your bags. If you're unsure about an item, declare it and let them decide. Most declared items are cleared quickly. Non-declaration fines are much worse than the inspection process.
If you pre-ordered an Australian SIM, activate it as soon as you land — you'll need it immediately for your bank's 2FA and to contact your short-term accommodation. Optus and Telstra both have airport stores. Prepaid plans start from $30/month for unlimited calls and data.
Settle in, rest, and take your first day slowly. The first 48 hours are overwhelming — don't try to do everything at once. Prioritise: SIM card active, bank account access confirmed, and a plan for the first week.
Before your first shop, note that Australian prices differ from NZ. Woolworths and Coles are the main supermarkets — Aldi is significantly cheaper for pantry staples. Bring your own bags — single-use plastic bags are banned in most states.
You cannot enrol in Medicare online as a new arrival — you must go to a Services Australia office in person. Bring your NZ passport and proof of NZ citizenship. You'll receive a temporary reference number immediately and your card in the mail within 2–3 weeks. Without Medicare enrolment, a single GP visit costs $80–$120 out of pocket.
myGov is Australia's central government portal — it links Medicare, ATO, Centrelink and other agencies. Create your account at my.gov.au using your Australian mobile number. Link Medicare (using your new card or reference number) and the ATO (using your TFN). This is how you manage tax returns, super contributions and health records.
If you opened a bank account from NZ, visit a branch to complete in-person identity verification. Bring your NZ passport. Set up PayID (your phone number or email as your payment identifier) in the banking app — this is how most Australians send money to each other. Set up tap-to-pay on your phone.
An Australian number is essential for rental applications, job applications, bank 2FA and day-to-day life. Optus and Vodafone offer good value plans. Telstra has the best regional coverage. Budget MVNOs on the same networks (Boost, Amaysim) offer significant savings.
Don't wait until you're sick. Find and register with a bulk-billing GP near your temporary accommodation — this means Medicare covers the full cost and you pay nothing. Search "bulk billing GP [suburb]" on healthdirect.gov.au. Walk-in clinics are available but more expensive than registered GPs.
Long-term rental applications almost always require attending an open home in person. Check realestate.com.au and domain.com.au daily — properties in major cities get listed and leased within 3–7 days. Apply quickly with your full application prepared. The GoAustralia Masterguide includes a template specifically for Kiwis without Australian rental history.
You can drive on your NZ licence for 3 months from arrival. After that, you must convert to your state's licence. The process varies by state but typically requires: NZ licence (original), NZ driving history report from NZTA, proof of identity, and proof of Australian residence. No written or practical test needed for direct conversion from NZ.
Once you have a permanent or long-term Australian address, update your TFN registration with the ATO. This ensures your tax correspondence and any refunds go to the right place. Update via the ATO app or through myGov.
Once you have a confirmed address, connect utilities. In Australia, you choose your own energy retailer. Compare using the government's Energy Made Easy tool. For internet, NBN plans take 1–2 weeks to activate — arrange early. Aussie Broadband and Superloop offer the best service for most users.
Finding your community early makes the transition much easier. Search Facebook for "Kiwis in [your city]" — these groups have thousands of members sharing job leads, rental tips and social events. The New Zealand High Commission in Canberra also maintains a list of NZ community organisations.
Each Australian state uses a different contactless transport card — credit/debit cards work on some networks but not all, and the card often gives you a cheaper fare. Get yours within the first few days. NSW (Sydney): Opal card — free from newsagents, stations, or online. VIC (Melbourne): myki card — $6 from 7-Eleven, train stations or myki.com.au. QLD (Brisbane/SEQ): go card — $10 deposit from 7-Eleven or TransLink offices. WA (Perth): SmartRider — $10 deposit from Transperth InfoCentres. SA (Adelaide): Metrocard — $3.10 from Adelaide Metro centres. TAS (Hobart/Launceston): Greencard — $5 from newsagents. ACT (Canberra): MyWay+ card — $5 from Transport Canberra. NT (Darwin): uses Tap-and-Go with your bank card — no separate card needed.
Once you have a fixed address, register it with your state's emergency alert system for location-specific push notifications (bushfire, flood, severe weather). This is separate from downloading the app (step 89) — registration means you get alerts specific to your suburb and street, not just your phone's GPS location. Register your address with: NSW Hazards Near Me, VIC Emergency VIC, QLD Get Ready Qld, WA Emergency WA, SA Alert SA, TAS Tasmania Alert, ACT Emergency ACT, NT My Emergency Alert.
All cats and dogs in Australia must be registered with their local council, typically within 30 days of moving to the council area. Proof of microchipping and current vaccination is required. Costs vary widely: $50–$200/year depending on whether the animal is desexed (desexed animals are cheaper), the council's fee schedule, and whether you hold a concession card. Unregistered pets are subject to fines of $500–$2,000+ if found by rangers. Check your specific local council website for the exact form, fee, and deadline.
If your work or volunteering involves children, apply for your state's check immediately — you legally cannot start work with children until it's granted. Apply online, then complete in-person ID verification. Processing: NSW (wwcc.nsw.gov.au) — 1–3 weeks, $80. VIC (workingwithchildren.vic.gov.au) — 2–6 weeks, $132.30 paid. QLD Blue Card (bluecard.qld.gov.au) — 2–4 weeks, $118. WA (checkwwc.wa.gov.au) — 2–4 weeks, $11. SA (screening.sa.gov.au) — 2–6 weeks, $115.70. TAS (justice.tas.gov.au) — 1–3 weeks, $14. ACT (ocg.act.gov.au) — 2–4 weeks, $118. NT Ochre Card (ocg.nt.gov.au) — 2–4 weeks, free.
An Australian National Police Check is required by most employers in healthcare, education, childcare, aged care, finance, legal and government roles. You apply via the Australian Criminal Intelligence Commission (ACIC) website or through an accredited body. The check covers your Australian criminal history. Results come back within 24–48 hours for most applicants. Cost is $42 AUD online. This is SEPARATE from your NZ Police clearance — many employers require both.
Australian employment law is significantly more protective than NZ's in several areas. Key things to know: Modern Awards set minimum pay rates above the national minimum wage for most industries — your employer must pay Award rates. Penalty rates apply for weekend, evening and public holiday work. Overtime rules vary by Award. You're protected from unfair dismissal after 6 months (12 months for small businesses). Wage theft is a criminal offence. If your employer offers a contract with less than Award conditions, the Award still applies. Use the Fair Work Ombudsman Pay Calculator to check you're being paid correctly.
If you've decided to transfer your KiwiSaver, start the process now. Contact your Australian super fund to request a trans-Tasman transfer form. Then contact your KiwiSaver provider to initiate the transfer on their end. The entire process takes 6–10 weeks. Both funds need to be QROPS-approved for the transfer. The Tax & Finance guide covers this step in full.
Once you're settled in Australia and clearly a tax resident there, formally update your status with IRD. File your IR3 (individual return) for the portion of the NZ tax year before you left. If you have NZ rental income or investments, you'll remain a NZ taxpayer for that income.
Your employer must pay 11.5% super on top of your salary from your first day. Provide them your super fund's USI and your member number. Check your first payslip to confirm super is being paid. Use myGov to monitor your super contributions quarterly.
Contact the school directly with proof of your address (lease agreement) and your child's birth certificate, NZ school reports and immunisation records. Some schools require immunisation records — Australia's schedule differs slightly from NZ's. Most public schools can enrol within 1–2 weeks of receiving all documents.
ACC (Accident Compensation Corporation) covers NZ residents for injuries in NZ. When you move to Australia permanently, you may still be covered for a short period if you visit NZ. Notify ACC of your move and understand your ongoing entitlements. Any existing ACC claims should be managed with NZ contact details.
Many Kiwis keep their NZ account for: occasional NZ income, visits home, NZ-based investments, or making NZ-denominated payments. If keeping it, ensure the address and contact details are current, and check the monthly fee structure. Use Wise for NZD/AUD transfers to avoid bank exchange rate markups.
If you were employed in NZ during the tax year before leaving (1 April to departure date), you'll likely be due a tax refund. File your NZ return in the April following your departure. If you used a tax agent in NZ, notify them of your new Australian contact details.
The Australian tax year runs 1 July to 30 June. If you arrived mid-year and worked, you'll need to file a return by 31 October (or later if using a tax agent). Keep all payment summaries (Group Certificates), bank statements, work expense receipts and super statements. The Tax & Finance guide covers your first Australian return in detail — including foreign income, partial-year residency and what you can and can't claim.
If you have children in approved childcare (day care, family day care, outside school hours care), apply for the Child Care Subsidy immediately. NZ citizens on SCV ARE eligible for CCS. The subsidy covers 72–95% of childcare fees based on your combined household income and hours of activity. Without CCS, full-time childcare typically costs $120–$200/day — over $25,000/year. The subsidy can be backdated only 28 days, so apply before or as soon as your child starts care. Apply through Centrelink via myGov.
Family Tax Benefit is available to NZ citizens on SCV with dependent children. FTB Part A: up to $5,767/year per child under 13, income-tested. FTB Part B: up to $2,385/year for families with one main earner or sole parents. You can receive FTB as fortnightly payments or as an annual lump sum after you lodge your tax return. Apply via Centrelink through myGov. If you're waiting for permanent residency, apply anyway — it may be backdated once eligibility is confirmed.
The Australian Immunisation Register (AIR) tracks all childhood immunisations and is linked to Family Tax Benefit eligibility and childcare enrolment — your child MUST be up to date or have an approved exemption, or you lose FTB and childcare access. Have your children's NZ immunisation records transferred to your Australian GP who can enter them in AIR. Australia's schedule differs slightly from NZ's — your GP will advise on any catch-up doses needed. Meningococcal B and varicella vaccines may differ from NZ schedule.
Contact your NZ school and request a full transfer document including academic reports, teacher assessments, any special needs or learning support plans, and NAPLAN equivalent results. Request your children's full GP records from their NZ doctor including complete immunisation history, diagnoses, referrals, and any specialist reports. Australian schools and GPs cannot access NZ records directly. Request these before leaving NZ — they take 2–4 weeks and cost $20–$50 for GP records.
Australia has state and council-level laws restricting certain dog breeds. Restricted or prohibited breeds in most Australian states include: American Pit Bull Terrier, Japanese Tosa, Dogo Argentino, Fila Brasileiro, and Perro de Presa Canario. QLD bans several additional breeds. In some councils, restricted breeds must be desexed, microchipped, kept in specific enclosures, and walked with muzzle and lead. Penalties for non-compliance include mandatory seizure and destruction. Check your specific state AND local council rules before bringing a restricted breed.
Australian vets use similar vaccination schedules to NZ but with important additions. Dogs: C3 (distemper, hepatitis, parvovirus) is core — some areas recommend C5 (adds Bordetella and parainfluenza for kennel environments). Cats: F3 (calicivirus, herpesvirus, panleukopaenia). Heartworm prevention is more critical in QLD and NT (tropical regions) than NZ. Paralysis ticks are a deadly threat in coastal NSW and QLD — NZ vets likely haven't addressed this. Find a vet in your first week and get your pet checked over and updated.
If you're contracting, freelancing or running a business in Australia, register your ABN at abr.business.gov.au. It's free and takes 15 minutes — issued immediately in most cases. Your ABN must appear on all invoices. Without an ABN, your clients must withhold 46.5% of your payment. If you're operating as a sole trader, your ABN is linked to your TFN. If operating as a company or trust, you'll need separate registrations. Also confirm whether you need to register for GST (required if turnover exceeds $75,000/year).
GST registration is compulsory if your business's annual turnover exceeds $75,000 AUD (or $150,000 for non-profit organisations). You can also voluntarily register below this threshold. Once registered, you charge 10% GST on taxable supplies, claim GST credits on business purchases, and lodge Business Activity Statements (BAS) quarterly or monthly via myGov or through a BAS agent. Australian GST is similar to NZ's GST but the rules around what's taxable differ — get advice in your first year.
If you're operating under any name other than your own legal name, you must register it as a business name with ASIC (Australian Securities and Investments Commission). Business name registration costs $44/year or $102/3 years — renewable online. If you're setting up a company (Pty Ltd structure), register through ASIC separately — company registration costs approximately $538. Operating under an unregistered business name in Australia is illegal and subject to fines. Check name availability on ASIC Connect before registering.
While most NZ qualifications are recognised under TTMRA, some employers or TAFE institutions want formal documentation of equivalency. NZQA can issue a Statement of Comparability ($75 NZD) that maps your NZ qualification to the Australian Qualifications Framework (AQF) level. This is particularly useful for: TAFE credit recognition, applying for roles that specify an AQF level, or immigration purposes if applying for PR. For professional qualifications (nursing, teaching, engineering, law), the relevant body assesses qualifications directly.
If you retain a NZ rental property after moving to Australia, you remain a NZ taxpayer on that income. You must continue filing NZ annual income tax returns. The NZ-Australia Double Taxation Agreement (DTA) prevents double taxation — NZ tax paid on rental income is credited against your Australian tax liability. Key obligations: update your IRD contact address to Australia, file IR3 returns annually by 31 March (or later with a tax agent), and understand the NZ interest limitation rules and bright-line test for residential properties. Get cross-Tasman tax advice in year one.
Your NZ licence is valid in Australia for exactly 3 months from your date of arrival (not 3 months from when you first drove). After that, you're legally an unlicensed driver — subject to fines, uninsured accidents, and employment consequences. Take your original NZ licence, NZTA driving history report, NZ passport, and two proofs of Australian address to your state transport office. No written or practical test is required for NZ licence holders. Costs by state: NSW RMS $59. VicRoads $38. TMR QLD $92.20. DoT WA $50.75. Service SA $62.20. Service Tasmania $32.90. Access Canberra $52. MVR NT $43.80.
If you brought a vehicle from NZ, you must register it in your Australian state within 3 months of establishing residence. The vehicle needs a roadworthy certificate/safety check (name varies by state), a VIN inspection in some states, and must meet Australian Design Rules (ADR). Expect $600–$1,800 in state registration fees, compulsory third party insurance, and possible compliance costs. NZ vehicles with right-hand steering (all NZ cars) are legally compatible. However, some older NZ vehicles with non-ADR lighting or speedometer specs may require modification.
Two separate rules make private health insurance financially critical in Australia. (1) Medicare Levy Surcharge (MLS): if your income exceeds $93,000/year (single) or $186,000 (family), you pay 1–1.5% extra tax unless you hold hospital cover. On a $120,000 salary, that's $1,200–$1,800/year extra tax. (2) Lifetime Health Cover (LHC) loading: if you don't take out hospital cover within 365 days of registering for Medicare, you pay a permanent 2% loading per year over 30 — forever. Compare policies on privatehealth.gov.au. Basic hospital cover starts around $100/month.
NZ citizens on SCV ARE eligible for Australian first home buyer schemes. The First Home Owner Grant (FHOG) applies to new builds only: NSW $10,000 (new homes under $600k). VIC $10,000 metro, $20,000 regional. QLD $30,000 new builds. WA $10,000. SA $15,000. TAS $30,000. ACT: no FHOG but a Home Buyer Concession Scheme. NT $10,000. The federal First Home Guarantee (5% deposit, no LMI) is also available. Stamp duty concessions or exemptions for first home buyers exist in all states. Research early — you need to understand how close you are to being able to buy.
If you've ever worked in Australia before — including temporary work, working holidays, or short-term contracts — you may have dormant super accounts. Check via myGov ATO portal under 'Super' to see all super accounts linked to your TFN. Consolidate into your chosen fund to avoid paying multiple sets of fees. Also check for lost and unclaimed super — the ATO holds over $17 billion in unclaimed super. Finding and consolidating this takes 15 minutes online and could recover thousands of dollars.
NZ and Australian credit reporting systems don't share data. Your NZ credit history is invisible to Australian lenders — you effectively start from zero. This matters when you want a car loan, phone contract or mortgage. Build history early: get an Australian credit card (even a low-limit one), ensure all bills are paid on time, and consider a phone contract rather than prepaid. Check your Australian credit report for free once a year via Equifax (equifax.com.au), Experian (experian.com.au) or Illion. A thin credit file makes it harder to rent a property or borrow money.
Australian tenancy law has changed significantly in recent years and differs from NZ and between states. Key facts: Bond is held by a state authority (not your landlord) — typically 4 weeks. Rent increases are limited to once per year and must be by written notice. Rental bidding (paying above the listed price) is now banned in most states. Many states now restrict or ban 'no-grounds' evictions. Pets: VIC, ACT and NT now presume pets are allowed unless the landlord has a reasonable objection. Know your rights before you sign a lease. Find your state's Fair Trading or Tenancy Authority for specific rules.
By month 3 you'll have a clearer picture of your Australian income and tax position. This is the right time to get formal advice from an accountant experienced in both NZ and Australian tax. Key issues to understand: the NZ-Australia Double Taxation Agreement (DTA), NZ Bright-Line test obligations on your property, Australian foreign income disclosure requirements, NZ interest deductibility rules, and whether to file NZ and Australian returns jointly or through separate agents. The cost of good advice in year one saves far more than its fee.
The Australian tax year runs 1 July to 30 June. If you arrived mid-year and earned income, you'll file a partial-year return. Due date: 31 October (or later if using a registered tax agent, typically up to 15 May of the following year). Key things to know: you declare all worldwide income as an Australian tax resident. You can claim deductions for work expenses (work from home, car use, tools and equipment, work-related education), investment expenses, and tax agent fees. Use myTax (free, via myGov) or a registered tax agent. Get a tax agent in your first year — it's worth it.
The trans-Tasman KiwiSaver transfer is available any time after you leave NZ, but your KiwiSaver stops accumulating contributions and government MTC after you've been away 3+ months. Transferring moves the balance to your Australian super fund where it can continue to grow with Australian employer contributions. The transfer takes 6–10 weeks and requires forms from both funds. Note: once transferred, the money is subject to Australian super rules — you cannot withdraw it until Australian preservation age (60). If you're undecided, weigh the balance against the benefit of consolidation.
Your NZ student loan becomes interest-bearing the day you leave NZ permanently. For 2024–2025, the overseas interest rate is around 3–7% per year (check current rate with IRD). You must make minimum repayments based on your worldwide income or face higher penalty interest and potential legal action. IRD can pursue debts through international channels. Set up an automatic payment to IRD in your NZ internet banking — you can pay in NZD from NZ bank account or in AUD. Use the IRD repayment estimator to calculate your minimum annual obligation.
Your NZ will is generally valid in Australia but it may not be optimal for an Australian resident. More critically: Australian superannuation does NOT automatically form part of your estate — it has its own separate binding death benefit nomination (BDBN) process. Without a valid BDBN, your super fund has discretion over who receives your super on death (it may not go where you want). Update your super fund's death benefit nomination immediately. Also review your will for Australian property, bank accounts and assets. An Australian estate planning solicitor can advise — often $300–$600 for a simple will.
NZ passport renewal from overseas takes significantly longer than from NZ (8–14 weeks vs 10 working days in NZ). Adult renewal from Australia costs approximately $350–$450 NZD and must be done via the NZ Passports Office or the NZ High Commission. If your passport expires within 12 months, plan your renewal early — don't leave it until you need to travel. As an NZ citizen on SCV (not an Australian citizen), your NZ passport is your primary travel and identity document in Australia for visa purposes.
If you've been living and working in Australia on an SCV, year one is when you should start tracking your PR eligibility timeline. Under the 2023 pathway, NZ citizens need 4 years of Australian residence and meet specific criteria. Gather your evidence now: tax returns showing Australian income, lease agreements, employment records, and any other documentation that demonstrates continued Australian residence. A registered migration agent can advise on the best pathway for your specific situation. The application fee is approximately $4,115 AUD and processing takes 12–24 months.
By your first year in Australia, you'll have a clearer view of whether you're staying long-term. This is the time to make a deliberate decision about your NZ property. Selling: NZ's Bright-Line Test means capital gains may be taxable depending on when you bought and sold. Keeping: ongoing compliance costs, property management fees, cross-Tasman tax complexity, and exchange rate exposure. Buying in Australia: as an NZ citizen on SCV you are considered a foreign buyer in some states for certain surcharges — check your state's foreign buyer rules. Get advice from a New Zealand property accountant before deciding.
Australian citizenship requires: 4 years as an Australian permanent resident (including at least 12 months as a PR immediately before applying), good character (criminal check), basic English, and a genuine intention to live in or maintain a close connection with Australia. The citizenship test consists of 20 questions on Australian history, values, and government. The application fee is approximately $490 AUD. NZ citizenship can be retained — Australia allows dual citizenship with New Zealand. Planning for citizenship from early on means you're tracking your PR timeline correctly from the start.