What You Need to Work in Australia

A complete checklist for Working Holiday Visa holders — from the day you land to your first pay, your tax return, and everything in between. 12 things. Do them in order.

Visa ✓TFN ✓Bank ✓SIM ✓Super ✓ABN?Health ✓Payslip ✓Min Wage ✓Tax Return ✓Licence?Certs?

Visa & Work Rights

Before accepting any job offer, confirm your visa allows you to work and check for conditions specific to your subclass (417, 462, or other).

Subclass 417 (Working Holiday)

Work for any employer up to 6 months per employer. Eligible for 88-day regional work extension.

Subclass 462 (Work and Holiday)

Same basic work rights as 417 but certain nationalities have specific conditions. Check your grant letter.

Employer time limit

Maximum 6 months with the same employer on most WHV subclasses unless your grant letter says otherwise.

Study limit

Up to 4 months total study allowed on a WHV. Some nationalities have different limits — check your conditions.

Check your exact visa conditions with VEVO

VEVO shows your current visa status, expiry date, and all applicable conditions. You can also share a VEVO report with your employer as proof of your work rights.

Check my visa on VEVO

Visa conditions are set by the Department of Home Affairs and may change. Always verify directly on immi.homeaffairs.gov.au. Working in breach of your visa conditions can lead to cancellation.

Just Australia

Prefer someone to walk you through it?

Just Australia can help with WHV and immigration advice. Get your G'day discount code on this site first — then take it to their shop.

Get your G'day discount

Independent partner. G'day is not responsible for their advice or services.


Tax File Number (TFN)

Never pay a website to obtain your TFN. The official application is free directly through the ATO. Any website charging for TFN registration is a scam.

A Tax File Number is a unique 9-digit number used by the ATO to identify you for tax and super. Without a TFN, your employer must withhold tax at the highest rate of 45% — even on the first dollar.

How to apply — step by step

  1. 1
    Go to the ATO website: Navigate to the TFN application for foreign passport holders. Free. Takes about 10 minutes.
  2. 2
    Complete the online form: You'll need your passport number, date of birth, Australian address (temporary is fine), and visa details.
  3. 3
    It's free: There is no fee. The ATO will never charge you to issue a TFN.
  4. 4
    Delivery by post: Your TFN letter arrives at your nominated Australian address within 28 days. Use a hostel or share house where mail is held.
  5. 5
    Tell your employer while waiting: Say: "I have applied for my TFN and am waiting for it." Employers have 28 days before they must withhold at the no-TFN rate.
  6. 6
    If it doesn't arrive: Call the ATO on 13 28 61 or check via myGov once your ATO account is linked.
  7. 7
    Lost your TFN?: Log in to myGov → ATO → "Find my TFN". Or call the ATO — they verify your identity and remind you of your number.
Apply for a TFN — Free official application

Opens ato.gov.au — official Australian Government site. Free.


Australian Bank Account

You need an Australian bank account to receive wages. Most banks let you apply online before you arrive — just verify your identity in a branch within the first few weeks.

Setup checklist

  • Choose a bank and apply online before or just after arriving
  • Required documents: passport + visa grant letter (temporary address is fine initially)
  • Use a hostel address, share house, or friend's address as your temporary Australian address
  • Receive your debit card by post (2–5 business days) or collect in branch
  • Locate your BSB (6-digit branch number) and account number — in internet banking or welcome letter
  • Set up PayID (link your mobile number or email) — lets employers pay you instantly without BSB details
  • Give your BSB and account number to your employer on day one — needed for payroll
  • Check international transfer fees before sending money home — Wise or Up Bank are usually cheaper

Bank comparison

AccountMonthly feeATM accessInternationalOpen online

ANZ Access Advantage

Big 4 — widely accepted

$0 (waived for eligible)ANZ network freeStandard feeYes

Commonwealth Bank Smart Access

Largest ATM network in Australia

$0 (waived under 35)CommBank network freeStandard feeYes

NAB Classic Banking

No monthly fee ever

$0NAB + partners freeStandard feeYes

Up Bank (digital)

Popular with backpackers — instant setup

$0ANZ ATMs freeGood ratesYes (app only)

Wise (multi-currency)

Best for sending money home

$0 account fee2 free/monthMid-market rateYes

Bank features and fees may change. Verify directly with each bank. Not financial advice.


Australian SIM Card

An Australian mobile number is essential for job applications, two-factor authentication on banking apps, WhatsApp groups at your hostel, and being contactable by employers. Get one within the first 24 hours.

If you're doing regional or farm work: get a prepaid plan on the Telstra network (Boost, Woolworths Mobile, Aldi Mobile). Telstra has the widest regional coverage in Australia. Optus and Vodafone are good in cities but can have zero signal in rural areas.

Prepaid plan comparison

ProviderNetworkPlanDataCallsNotes
Boost MobileTelstra28-day $2025 GBUnlimitedBest Telstra network coverage for regional work
Woolworths MobileTelstra28-day $105 GBUnlimitedCheapest entry plan on Telstra network
Optus PrepaidOptus28-day $2025 GBUnlimitedGood city coverage; weaker in remote areas
Aldi MobileTelstra28-day $158 GBUnlimitedGood value on Telstra network
LebaraOptus28-day $1510 GB + intl minutesUnlimitedGood for international calling included

Plans and pricing change frequently. Check provider websites for current offers.

Where to buy: Most SIMs are available at airports, Woolworths, Coles, 7-Eleven, and provider stores. Starter SIMs are free — you only pay for the recharge plan. Bring your passport for identity verification if buying in-store.


Superannuation

Superannuation ("super") is Australia's compulsory retirement savings system. Your employer must pay 12% of your ordinary time earnings on top of your wages into a super fund — from 1 July 2026, contributions are paid at the same time as wages.

Super is not deducted from your wages. A job advertised at $24/hr pays $24/hr to you, plus $2.88/hr to your super fund.

12%

Super guarantee rate from 1 July 2026

65%

Tax withheld on DASP payout (WHV holders)

~$3,100

Super earned on $1,000/week over 6 months (before DASP tax)

  • Every employer must pay 12% super on top of your wages (from 1 July 2026).
  • Choose which fund receives your contributions — don't let every employer default you into theirs.
  • Keep super in one fund across all your jobs to avoid duplicate fees.
  • Check your super balance via myGov → ATO.
  • When leaving Australia permanently, claim via DASP (Departing Australia Superannuation Payment). WHV holders pay 65% withholding tax on the payout.

Super Consolidation Checker

Do you already have a super fund from a previous Australian job?


ABN — Australian Business Number

Some employers — particularly in construction, farm labour, cleaning, or creative industries — ask workers to invoice them using an ABN rather than be hired as employees. Before you agree, understand the difference.

Sham contracting is illegal

If an employer tells you to get an ABN so they can avoid paying your super, leave entitlements, or tax withholding — and you're working like an employee (fixed hours, their tools, their direction) — this is sham contracting. Report it to the Fair Work Ombudsman.

✅ Legitimate contractor work

  • — You set your own hours and methods
  • — You supply your own tools/equipment
  • — You can work for multiple clients at once
  • — You invoice for specific deliverables

🚫 Likely sham contracting

  • — Employer controls your hours and tasks
  • — Employer supplies tools and workspace
  • — You work exclusively for one business
  • — You're paid hourly, not per project

How to register an ABN

Registering an ABN is free and takes about 10 minutes online at the Australian Business Register. You'll need your TFN and passport details. Most temporary visa holders are eligible.

If you have an ABN and work as a contractor: your employer does not withhold tax from your invoices, and does not pay your super. You must pay your own tax (via a tax return) and arrange your own super contributions. You also cannot claim DASP for super contributions you made yourself.

Register for an ABN — Free

Opens abr.gov.au — official Australian Government site.


Medicare & Health Insurance

Australia has an excellent public healthcare system (Medicare) — but most Working Holiday Visa holders are not automatically covered. Whether you have access depends on your country of origin.

Reciprocal Health Care Agreements (RHCA)

Australia has bilateral healthcare agreements with certain countries. If your country is on this list, you can enrol in Medicare for medically necessary treatment (not everything is covered — elective procedures, dental, and optical are excluded).

Countries with RHCA access to Medicare:

🇬🇧 United Kingdom🇮🇪 Ireland🇳🇿 New Zealand🇸🇪 Sweden🇳🇱 Netherlands🇧🇪 Belgium🇫🇮 Finland🇮🇹 Italy🇳🇴 Norway🇲🇹 Malta🇸🇮 Slovenia

If your country is on this list, enrol in Medicare at a Services Australia branch with your passport and visa grant letter. Enrollment is free.

If your country is not on the list

You will need private health insurance. Medical costs in Australia can be significant without cover — a single GP visit is ~$80–$120, an emergency room visit can be several hundred to thousands of dollars.

Bupa International

Popular with backpackers. WHV-specific plans from ~$50/month. Cover starts immediately.

Visit website

Medibank

Australia's largest health insurer. Basic visitor cover from ~$40/month. Easy online application.

Visit website

nib

Good value visitor plans. Competitive for short-term stays. Online claims process.

Visit website

OSHC Worldcare

Designed for visa holders. Strong emergency cover. Used by many international students and WHV holders.

Visit website

Health insurance comparisons above are for general information only. Policy terms, prices, and coverage change regularly. Read the Product Disclosure Statement before purchasing. This is not a recommendation or financial advice.


How to Read Your Payslip

Australian employers must provide a payslip within one working day of each payment. Knowing what each line means helps you catch underpayment quickly.

Employer name & ABN

Your employer's registered business name and Australian Business Number. Check this matches the company you work for — some contractors use different entity names.

Pay period

The dates this pay covers (e.g. Mon 14 Jul – Sun 20 Jul). Check it matches the days you actually worked.

Gross pay

Your total earnings before any deductions. This is your base pay plus any overtime, allowances, or loadings for nights/weekends/public holidays.

Ordinary hours + overtime

Ordinary hours are your standard rate hours. Overtime is paid at 150% (time-and-a-half) or 200% (double time) depending on your award and day of the week.

Allowances

Additional payments on top of base pay — e.g. a meal allowance, a travel allowance, or a wet weather allowance on farm.

Tax withheld (PAYG)

The income tax deducted from your wages by your employer and sent to the ATO on your behalf. WHV holders are taxed at 15% on the first $45,000 earned.

Net pay

What actually lands in your bank account: gross pay minus tax withheld and any other deductions (e.g. accommodation provided by the employer).

Superannuation (SGC)

12% of your ordinary time earnings, paid by your employer into your nominated super fund. This amount does NOT reduce your net pay — it is additional.

YTD (Year to Date)

Cumulative totals since 1 July. Useful for checking your total tax at the end of the year.

Something looks wrong?

  • — Pay period doesn't match the days you worked → ask HR or your employer immediately
  • — Super is missing or zero → your employer is legally required to pay it; report to the ATO if unpaid
  • — Deductions you didn't agree to → illegal without a written consent form
  • — Hourly rate is below the minimum wage for your award → contact Fair Work on 13 13 94

Minimum Wage & Award Rates

Australia has strong minimum wage protections that apply to everyone working in the country regardless of visa type. Backpackers on WHVs have the same minimum wage entitlements as Australian workers.

$26.44

National Minimum Wage per hour (from 1 July 2026 — verify on fairwork.gov.au)

150%

Overtime rate after 38 ordinary hours/week (time-and-a-half)

200%

Public holiday pay rate (double time)

The National Minimum Wage is the floor, not the ceiling. Most industries have their own Award rates which are often higher. Hospitality workers fall under the Hospitality Industry (General) Award; farm workers under the Horticulture Award. Exact classification rates depend on level and duties — some entry classifications can sit near the NMW. Check your specific award on the Fair Work website.

Common awards by industry

🌾 Fruit picking & farm work

Horticulture Award

Depends on classification (Level 1 casual $32.18/hr from 1 July 2026)

Piece rates must still meet minimum hourly equivalent — use the Pay Checker

🍺 Hospitality & bar work

Hospitality Industry (General) Award

Depends on classification — often above NMW

Weekend and night loadings can significantly increase earnings

🏗️ Construction & labouring

Building and Construction Award

Depends on classification — often above NMW

Higher rates for specialised trades or licensed work

🏪 Retail & supermarket

General Retail Industry Award

Depends on classification

Penalty rates for weekends and public holidays apply

🧹 Cleaning

Cleaning Services Award

Depends on classification

Early morning and late night loadings often apply

🍔 Fast food & cafés

Fast Food Industry Award / Restaurant Award

Depends on classification

Age-based minimum rates for under 21s

Award rates increase each year on 1 July following the Fair Work Commission's Annual Wage Review. Figures reflect rates effective from 1 July 2026 where verified. Always confirm on fairwork.gov.au.

Use the Pay Checker: enter your rate, hours, and industry to instantly compare against the award rate and estimate your take-home pay. Open Pay Checker → · Farm work pay rates


Tax Return

The Australian tax year runs from 1 July to 30 June. If you worked and earned income, you are required to lodge a tax return. Most backpackers are entitled to a refund — sometimes a significant one.

15%

Working Holiday Maker tax rate on first $45,000 earned

31 Oct

Deadline to lodge your return (or later if using a tax agent)

myTax

Free online lodgement through myGov — no accountant needed

Working Holiday Maker tax rates 2025–26

Taxable incomeWHM tax rate
$0 – $45,00015%
$45,001 – $120,00032.5%
$120,001 – $180,00037%
$180,001+45%

Note: WHM holders are generally not entitled to the tax-free threshold or most tax offsets. Verify rates for the current year at ato.gov.au.

How to lodge your return

  1. 1
    Create a myGov account: Go to my.gov.au and create an account. Link it to the ATO by searching for 'ATO' in the services list and following the prompts.
  2. 2
    Wait for payment summaries: From late July each year, your employers' payment summary information appears automatically in myTax via ATO pre-fill.
  3. 3
    Lodge via myTax (free): Log in to myGov → ATO → Lodge a tax return. Most backpackers with one or two jobs can complete this in under 30 minutes. It's free.
  4. 4
    Or use a tax agent: A registered tax agent (e.g. H&R Block, Etax, Taxback) can lodge on your behalf — often worth it if you have multiple jobs, rental income, or deductible expenses. Fees from ~$80.
  5. 5
    Claim your refund: Most WHV holders who had tax withheld at 15% throughout the year and earned under $45,000 receive a refund (because more was withheld than owed). Refunds typically arrive within 2 weeks of lodging.
  6. 6
    Leaving early?: If you leave Australia before 30 June, you can lodge an early return as a non-resident for tax purposes. Talk to a tax agent if this applies to you.

Driving Licence

A driving licence opens up a huge range of job opportunities in Australia — particularly in regional areas where public transport is limited and farm properties can be far from town. Many farm jobs, labour hire roles, and tourism positions require a car.

Using your overseas licence

In most Australian states, you can drive legally using a valid overseas licence for up to 3 months after arriving, provided it is in English (or accompanied by an official English translation). After 3 months, rules differ by state.

State / TerritoryAfter 3 months rule
QLD, SA, ACTMust convert to Australian licence to continue driving
NSW, WA, NTCan continue using overseas licence for duration of visa
VICMust convert if you become a Victorian resident (not just a visitor)
TASCan use overseas licence as long as it remains valid

Rules change. Always verify with your state's road authority before driving. This table is a general guide only.

Heavy vehicle licences for truck/transport work

Class C

Car & light rigid

Standard car licence. Valid for vehicles under 4.5 tonnes GVM.

Class HR

Heavy rigid

Required for buses, rigid trucks. Common in farm transport and tourism.

Class HC

Heavy combination

Required for semi-trailers and B-doubles. Most regional logistics jobs.

Foreign truck or heavy vehicle licences are not automatically transferable in Australia. To drive heavy vehicles commercially you must obtain an Australian HRW licence, even if you hold an equivalent overseas licence.


Certifications & Licences

Many Australian jobs require a certification before you can start. Some are mandatory by law, others are expected by every employer in that industry. Getting them in your first week saves you from turning down job offers.

🟡

White Card (Construction Induction)

Required by law

Mandatory for anyone working on a construction site — labouring, landscaping, demolition, roofing, or any on-site trade work. Without it, you cannot legally set foot on a construction site.

Industries

Construction, labouring, landscaping, civil works

How to get it

Online or in-person course (~6–7 hours). Search 'White Card course' in your state.

Cost & validity

~$30–$80. Valid nationally. No expiry once issued.

Safe Work Australia — White Card info
🍺

RSA — Responsible Service of Alcohol

Required by law

Required in every Australian state to serve, sell, or supply alcohol. Essential for bar work, restaurants, events, bottle shops, and any role involving alcohol service.

Industries

Bars, restaurants, events, bottle shops, clubs

How to get it

Online course (~3–4 hours) or face-to-face. Must be state-specific.

Cost & validity

~$20–$50. Most states: 3–5 year validity.

Note: Your RSA must match the state you're working in. A QLD RSA is not valid in NSW or VIC. Check your state's liquor authority.
👶

Working with Children Check (WWCC)

Required by law

Required for work involving regular contact with children: childcare, tutoring, school roles, sports coaching, youth camps, and volunteering with minors.

Industries

Childcare, education support, sports coaching, youth programs, camps

How to get it

Apply online through your state authority. Requires in-person identity verification.

Cost & validity

Free for paid employment in most states. QLD = 'Blue Card', VIC/NSW/WA = 'WWCC'.

Note: Each state issues its own check. A QLD Blue Card does not cover NSW or VIC.
🍽️

Food Handler Certificate / Food Safety Supervisor

Often required

Required by many employers handling or preparing food. Most cafés, kitchens, and food production sites expect at least a basic food handler certificate.

Industries

Cafés, restaurants, kitchens, bakeries, food production

How to get it

Online course (~2 hours). NSW Food Safety Supervisor requires face-to-face component.

Cost & validity

~$0–$30 for basic cert. NSW Food Safety Supervisor: ~$150.

🏗️

Forklift Licence (LF — High Risk Work)

Required by law

Mandatory to operate any forklift in Australia. A foreign forklift licence or overseas experience does not substitute — you must hold an Australian HRW licence.

Industries

Warehousing, logistics, packing sheds, construction sites

How to get it

~3-day training course + practical assessment + application to your state SafeWork authority.

Cost & validity

~$400–$700 including training, assessment, and licence fee.

🩺

First Aid Certificate (HLTAID011)

Often required

Required or strongly preferred for tourism, outdoor adventure, camp roles, childcare, sports coaching, and remote farm work. Many operators legally need a first aid officer on site.

Industries

Tourism, outdoor adventure, camps, childcare, sports, remote farm work

How to get it

One-day course (online theory + practical). St John, Red Cross, and many RTOs nationally.

Cost & validity

~$80–$150. Valid 3 years; CPR component renewed annually.

🌾

ChemCert / AgSafe (Chemical Handling)

Sometimes required

Required on some farms for workers who handle, mix, or apply agricultural chemicals or pesticides. Not required for general fruit picking, but some intensive operations will ask for it.

Industries

Intensive horticulture, viticulture, livestock properties

How to get it

One-day course through ChemCert Australia or local RTO. Online or face-to-face.

Cost & validity

~$100–$200. Sometimes subsidised by the employer.

🎰

RSG — Responsible Service of Gambling

Sometimes required

Required in some states for workers at venues with gaming machines, TABs, or casinos. Often bundled with the RSA course.

Industries

Hotels with pokies, clubs, TABs, casinos

How to get it

Short online or classroom module (~2–3 hours). Usually done at the same time as RSA.

Cost & validity

~$20–$50, often bundled with RSA.

Quick tip: When browsing jobs, check the description carefully — most listings state which certifications are required or preferred. Getting your White Card and RSA sorted in your first week covers the majority of casual and seasonal roles.


All sorted? Find your first job.

Browse verified employers across Australia — farm work, hospitality, seasonal and more.