Banking & Money in Australia: what actually matters to know

From real experience

• Public transport in Brisbane accepts standard bank cards for payment. For Go Card top-ups, service windows are available at Central station. For bank account opening, major banks like ANZ or Suncorp generally do not require specific branch location; walk-ins are often accepted, though checking for appointment requirements is recommended.
• iPhones purchased in Australia are generally compatible with Russian mobile networks and global standards. Tourists can claim a Goods and Services Tax (GST) refund upon departure from Australia. While Australian iPhones are compatible, prices might be more competitive in regions like the UAE, USA, or Japan. For non-iPhone devices, it is recommended to check network compatibility using local carrier tools (e.g., Optus' compatibility checker) to ensure full functionality on Australian networks, as some older or region-specific models (e.g., certain Xiaomi devices) might have band limitations.
• Opening a bank account in Australia as a Russian citizen is possible. Banks like ANZ and NAB are often cited as options, with Suncorp also mentioned as a possibility. It is generally required to visit a bank branch in person. Some banks might have specific requirements for visa types, with tourist visas potentially posing challenges with certain institutions. It is recommended to check the current policies directly with the banks, as procedures can change.
• For an Australian tourist visa (subclass 600), if you are traveling with an unregistered partner who has a high income and savings, you can opt for sponsorship. Indicate 'de facto partner' in the application if your relationship meets the criteria. Your partner can sponsor your trip, and this is generally accepted even for unregistered relationships. Clearly state the nature of your relationship and provide evidence of cohabitation if possible. If you choose the 'self-funded' option, ensure your own financial documents (including savings) are robust.
• For Australian visa applications, payment of the visa application charge (VAC) typically requires a valid international credit or debit card. Cards issued by certain Belarusian banks may be subject to sanctions or restrictions. Commonly accepted methods include cards from major international networks (Visa, Mastercard) issued by banks in countries like Kazakhstan or through services that facilitate international payments (e.g., 'ПлатиПоМиру'). Always check the official Australian Department of Home Affairs website or consult with a reliable migration agent for the most up-to-date payment options and accepted card types.
• When booking domestic flights in Australia, be aware of potential issues with third-party sites like Trip.com, which may show fluctuating prices. Direct booking on airline websites (e.g., Jetstar, Virgin Australia) is often recommended, especially if you have more than just a small carry-on bag. Check baggage allowances carefully, as airlines strictly enforce carry-on weight and size limits, which can lead to unexpected fees. Online check-in is typically available 24 hours before departure on airline websites. For payments and potential refunds, using a reliable card provider is advisable, as some third-party booking agents have a history of slow refund processes.
• AUD cash can still be purchased in Moscow. Check currency exchange platforms like RBC Currency, which lists several banks that sell AUD. You may be able to find it at banks where you have previously purchased cash.
• In Australia, both cash and card payments are widely accepted. It is highly recommended for travelers to have a payment card (credit or debit) for convenience, as card payments are prevalent, especially for larger transactions and online bookings.

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