Australia remains one of the most popular study destinations in the world, and the Student visa (Subclass 500) is the main way international students get there. The application asks for more than an offer letter. You need to show you can support yourself, that you are a genuine student, and that you meet health, character and insurance requirements. Then, once you land, there is a busy first month.
This guide walks through the main pieces for 2026. I will not quote dollar amounts, fees or processing times, because they are set and updated by the Department of Home Affairs. Use this as a map and check every detail on the Home Affairs website before you act.
The basics of Subclass 500
The Subclass 500 visa lets you study a registered course at an Australian education provider. In general you will need:
- A Confirmation of Enrolment (CoE) from your provider for a registered course.
- Evidence that you meet the Genuine Student requirement.
- Evidence of enough money to cover your stay, as defined by Home Affairs.
- Overseas Student Health Cover (OSHC) for the length of your visa, unless an exemption applies.
- English language evidence where required.
- Health and character requirements.
Check which of these apply to you, and in what form, on the Home Affairs website. Your provider's international office can also explain what they need from you.
Showing financial capacity
Home Affairs sets the rules for how much money you need to show and what counts as acceptable evidence. These figures are reviewed from time to time, so do not rely on a number from an old forum post or a friend's application. Practical tips:
- Read the current financial capacity guidance on the Home Affairs website.
- Make sure your evidence is genuine, clear and traceable. Large unexplained deposits shortly before applying can raise questions.
- If a family member is supporting you, prepare documents that show the relationship and their ability to support you.
- Keep translations of any documents that are not in English.
The Genuine Student requirement
The Genuine Student requirement asks you to show that you are coming to Australia mainly to study. Home Affairs publishes the questions and guidance it uses. Answer in your own words and be specific:
- Why this course and this provider?
- How does it connect to your previous study or work?
- How does it fit your future plans?
- What are your circumstances at home?
Avoid copying templates from agents or the internet. Generic or copied answers are easy to spot and can harm your application. Make sure your answers match your other documents.
Work conditions and other visa conditions
Student visas carry conditions, including limits on work during study periods and the requirement to stay enrolled and maintain satisfactory attendance and progress. The details of these conditions are published by Home Affairs, and they have changed in recent years. Read your visa grant notice carefully, because it lists the conditions that apply to you.
Your first month in Australia
Week 1
- Tell your provider you have arrived and complete orientation.
- Update your Australian address with your provider, as required.
- Get a local SIM card.
- Check that your OSHC is active and learn how to use it.
Week 2
- Open a bank account. Banks set their own identification requirements.
- Apply for a Tax File Number (TFN) through the Australian Taxation Office if you plan to work.
- Learn your rights at work through the Fair Work Ombudsman, which publishes free information for international students.
Weeks 3 and 4
- Move from temporary accommodation into a longer-term place if needed.
- Read your lease carefully and find out how your bond is protected in your state or territory.
- Set up a study routine early. Attendance and progress matter for your visa.
For a broader overview of living, working and studying in Australia, with pointers to the official agencies, see MigrantIQ's Australia guide . Use it as a starting point and confirm details with Home Affairs.
Watch out for scams
International students are often targeted. Be careful about:
- Agents who promise a guaranteed visa or offer to "fix" your financial documents. Fake documents can lead to refusal and long-term consequences.
- Anyone claiming to be from Home Affairs, the police or the tax office who demands urgent payment by gift card, crypto or bank transfer. Government agencies publish their official contact details.
- Rental listings that ask for a deposit before you have inspected the property or signed anything.
- Jobs that pay cash with no payslip, or ask you to work beyond your visa conditions.
- If you use a migration agent, check that they are registered. Home Affairs explains how to verify registered agents.
A quick checklist
- CoE received and details checked
- Financial evidence prepared according to current Home Affairs guidance
- Genuine Student answers written in your own words
- OSHC arranged for the whole visa period
- Visa conditions read and understood
- Arrival reported to your provider and address updated
- Bank account and TFN sorted
- Lease signed only after inspection
Studying in Australia can open a lot of doors. A careful, honest application and an organised first month make the rest of the journey much easier.
Disclaimer: this article is general information, not legal or migration advice. Australian visa rules, fees and conditions change. Always check the current requirements with the Department of Home Affairs, or speak to a registered migration agent, before making decisions.
MigrantIQ / Naveed Jawaid