Studying in Australia: The GuideSo you’ve decided on Australia to further your education. You’ve never left Malaysia for an extended period of time. You don’t know anything. You are filled with a million questions. Without thinking, you log into lowyat.net and discover a Studying in Australia thread.
STOP.This guide will serve as a FAQ for all your questions. Please read it carefully before asking any questions. It has been compiled over a period of 2 years with information from the 2 Studying in Australia threads.
As Australia is a big country, with many regional variations, it is impossible to write a guide that covers everything. This guide is only meant to give a general outline of the basics of Australia. What may be true in (say) Sydney may not apply in Adelaide. Use this guide, and this thread, as a rough guide, not as a hard set of rules.
The basics: getting a student visa(Credit: member
gome)
Use the "Finding a Visa" wizard on the home page:
http://www.immi.gov.auAssuming you are just a degree student, eventually you will be directed to this link:
http://www.immi.gov.au/e_visa/students.htm. Read up everything. When you are done reading, you will understand where and how to start your application.
The steps:
1. Start applying now -> you can stop halfway through and resume later.
2. When you have your eCOE letter, you can continue with your application.
3. After answering all the questions, make payment via credit card
4. Upon completion, an email will be sent to you, requesting that you conduct a medical checkup.
5. Once the medical checkup is complete, the clinic/hospital will submit your medical results to the Australian immigration department.
6. You will be notified via email if your application is successful (you can check online via VEVO too).
A word of advice - do call up the medical centers/hospitals you intend to have your medical checkup done, before actually doing it. There are cases where people call up about 5 clinics/hospitals/medical centers and a few of them said that they're no longer allowed to do medical checkups for Australian visa applications. And all these 5 places were listed on the visa application page.

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FAQ's:
Q: Can the medical checkup be done prior to the issuance of eCOE?
A: No. The results of the medical checkup are sent to Immigration directly from the medical practitioner, and needs the eCOE for this.
Q: Where can I do the medical checkup?
A:
http://www.immi.gov.au/contacts/overseas/m...nel-doctors.htmQ: How long does to take to get the COE?
A: You're at the whims of Australian Immigration. Anywhere from 3 working days to 2 weeks. It depends on the load of Immigration (tip: Dec/Jan are the busier months)
The basics: getting thereGenerally, most Malaysians will study in one of the major centers. However, flight connectivity is not equal in Australia. Flights to Sydney and Melbourne are generally a plenty, but not so for Adelaide, there is no direct flight to Hobart, and Canberra must be one of the few capital cities in the world with no regular international flight (they all have to go through Sydney).
The best option is to fly Malaysia Airlines, as they fly reasonably regularly to Perth, Adelaide, Melbourne, Sydney and Brisbane. Alternatively, if you can make your way down to Singapore, there are many alternatives, Qantas being one, and as an alternative instead of flying directly to (say) Adelaide, you can opt to have a stopover in Melbourne. Sometimes this may actually work out to be cheaper.
Note that the fare for one way ticket is different from a return ticket. It is not half of return ticket. If you have the intention to return within the year, it makes sense to book a open ended return ticket. However, for that privilege generally one has to buy the full fare ticket (ie no supersavers, websaver type tickets).
Do your own research. Fares and timetables change all the time depending on the season. Lowyat.net members are not responsible for choosing the airline you take.
In terms of comfort, there is little to distinguish between MAS, SIA and Qantas. All are full service airlines, all have proper meals on-board and inflight entertainment. Generally these airlines tend to be a bit more lenient with the inevitable excess weight that first time students bring with them. Just go for whichever suits your circumstances.
Low Cost Carriers, eg Jetstar, Tiger Airways, Air Asia X, are highly NOT RECOMMENDED for first time students arriving in Australia. There low cost carriers tend to be very strict on luggage weight, seat pitch is very tight, there is no inflight entertainment for the long journey, and most involve at least one transit either in Darwin or Perth. They are however, a cheap way of going back home for the holidays once you are more settled in Australia.
The basics: Packing for AustraliaYou only have 20KG of check-in luggage allowance in economy, so it pays to watch your luggage weight. In the past we have heard people actually packing things like reams of paper and rice to Australia. Australia is not a 3rd world country, and even after conversion, the prices of rice and paper is almost the same as Malaysia. (10KG of cheap rice = $14, or about RM35) So it is not worth bringing your entire life over here.
Many have asked if students get extra baggage allowance. It all depends on the airline.
MH has a
frequent flier scheme for students called GRADS, which gives students an extra 10KG baggage allowance on flights. You'd have to apply for it. Show it during check-in at the airport and you should get the extra allowance.
SQ seems to have a mixed record. Some have reported showing your student card/offer letter at the check-in counter is sufficient to get the extra baggage allowance, others mention of needing to apply for it at the nearest Singapore Airline office. Call SQ directly. None of us here have any authority to give advice on this matter.
QF is similarly a mixed bag. One thing that seems to be consistent through is that one needs to apply for the extra baggage allowance BEFORE you take off. Contact Qantas for clarification.
Small things are generally cheaper in Malaysia, such as pencils, pens, erasers, rulers etc. Stocking up on these basics will probably be a good idea. Architecture students take note.
For clothes, just buy a basic few in Malaysia, and buy the rest in Australia. Warm clothing in Australia is not much more expensive than buying from Universal Traveller. Prices of basic clothes are not that much more different from Malaysia, and generally are more suited to the Australian climate.
The basics: landing in AustraliaDue to Australia’s geographical isolation, many of the agricultural diseases (mad cow comes to mind) do not exist in Australia. This is also the reason why all beef in Malaysia comes from Australia and New Zealand. To protect their valuable agricultural industry, Australia practices strict quarantine laws. In short, there are many things one cannot bring into Australia. Generally it is food related stuff, but a full and authoritative list can be found here:
http://www.daff.gov.au/aqis/travel/enterin...ralia/cant-takeA few hours before landing in Australia, an Incoming Passenger Card (see example [URL="http://www.abs.gov.au/ausstats/abs@.nsf/Previousproducts/3401.0Appendix1Jan 2010?opendocument&tabname=Notes&prodno=3401.0&issue=Jan 2010&num=&view="]here[/URL])will be handed to you (regardless of airline) to fill in. This is a legal document, and any misrepresentation can, and have led to, legal action, with fines up to A$66,000. If you tick the box saying you do not have food products, and a x-ray later turns up food stuffs, expect a on-the-spot fine of up to $200. If in doubt, just tick the box saying you have food products.
When you land in Australia, your bags will be checked for foodstuff by dogs running around the luggage carousel. To make life easier for myself and quarantine staff, I usually put all foodstuff into one single bag, say the cabin bag, so when I have to declare, I just have to open up one bag, instead of having to dig through the tightly packed bag to get the food stuff out. If they do not allow something to be brought in, just let it go. Do not attempt to argue, or plead with the excuse that it is your first time. You make us Malaysian’s look bad, and it is bad enough that Malaysia consists of, amongst other things, ethnic Chinese and Indians.
The basics: Money Matters1. Opening a bank account:
Malaysian banks do not have any branches in Australia. While more international banks like HSBC have bank branches in Australia, generally they are more focused on business banking, not consumer needs.
Do note that some banks allow for the opening of bank accounts online. After filling in the online application, you will be given a bank account number, which allows you to transfer money to your Australian account before you've left Malaysia. Once you land, you simply have to rock up to your bank and provide the identification needed to fully formalise your bank account and get access to your funds.
The best way is to open a Australian bank account. To open a bank account, you will need:
• A passport
• ECoE (to prove which university or institution you attend)
• Student card (not really needed)
All banks have fee-free banking for students, so generally account keeping fees and most transaction fees are waived. The student waiver has to be renewed every year, but it as simple as going to any branch and giving your student card along with your account details. The process takes less than 5 minutes.
Some banks have fee-free accounts regardless of your status, and can be convenient if you don't want to walk into a bank every year to renew your fee-free/student waiver status. Do note however that they are some traps to some of these fee-free accounts: some banks charge you for "manual transactions" if you need to walk into a bank to deposit (!) money into your fee-free bank account. Or anything else really.
All banks have associated or 'sub' accounts, which are ONLY electronically accessible, and comes with high interests. Some people keep a minimal amount in the main account, and the bulk of funds in the subaccount. When money is needed, you will need to electronically transfer the money from the sub account to the main account so you can withdraw at the atm. The good news is, most branches will have internet terminals for you to do that.
Alternatively, mobile banking of now a feature of almost all online banking systems, allowing you to transfer funds on the move as long you have a data plan and a signal on your phone.
LYN members are not responsible for giving advice on which financial institution to use. It is up to you and based on your needs. Generally ANZ and Commonwealth bank have the most branches and ATM machines, but Sydney students seem to favor Westpac. Links of major Australian banks provided below for your research.
ANZ:
http://www.anz.com/Commonwealth Bank:
http://www.commbank.com.au/Westpac:
http://www.westpac.com.au/NAB:
http://www.nab.com.au/For Queensland students:
Suncorp:
http://www.suncorp.com.au/Bank of Queensland:
http://www.boq.com.auFor Western Australia students:
BankWest:
http://www.bankwest.com.au/1.1 Accounts with international banks
Some forum members who have financial relationships with international banks such as Citibank and HSBC might consider to open a account with these financial institution(s) in Australia. However, there are a few caveats: most have minimum opening deposit amounts, and/or require you to have minimum monthly deposits to avoid the monthly account keeping fee.
Student fee waivers usually do not apply here.To transfer money between a (say) Malaysian HSBC to a Australian HSBC account, the Australian HSBC account would need to be linked to the Malaysian HSBC account. Fees for linking and initiating the money transfer may apply, and note that it is not the cheapest or the fastest way of moving money across.
While most international banks have only one branch in the major cities, the good news is any Australia Post office acts as a agent for these international banks, and you can do basic banking tasks such as depositing and withdrawing money. Note that is is not limited to HSBC and Citibank: see
here for the list of financial institutions which you can deal with using any Australian post office. See here for most information on Bank@Post:
http://auspost.com.au/personal/personal-ba...ralia-post.htmlFor access to your money, HSBC and Citibank customers can generally use Westpac, St.George and BankSA ATM's without any charge. Do read the fine print through: not all Westpac-St.Geroge ATM's are fee-free.
1.2 Opening a Australian bank account in Malaysia
It has come to my attention that OCBC customers
can open a ANZ account in Malaysia before arriving in Australia. However, the minimum opening balance seems to be AUD2k. Please contact OCBC for details. Note that under the Banking And Financial Institutions Act 1989, Lowyat.net members cannot legally give financial advice.
2. Transferring Money from Malaysia
There are 2 ways of transferring money from Malaysia: Telegraphic transfer (TT) and bank draft (“draft”). In a nutshell, TT is faster, but more expensive. Drafts are cheaper, but take longer for funds to be cleared.
TT is the most popular way of moving money to Australia. It is fast too: anecdotal evidence shows that if the transfer was initiated on the Malaysian side first thing in the morning, usually one would receive it by the end of the business day in Australia.
However, TT costs more. There is a fee by the Malaysian bank, and the Australian bank will usually take a cut from the transferred amount (usually about 2%). To do a TT transfer you also need your Australian bank account details.

Bank drafts are essentially cheques, just useable internationally. Bank drafts are made in your name, so you deposit it to any bank account in your name, regardless of your bank. It is cheap too: Malaysian banks generally only charge only RM5 for the draft, and Australian banks don’t take a cut from the cleared funds. I have deposited Maybank and Public Bank drafts into Commonwealth Bank and ANZ accounts fine.
On the downside, it is slower. Funds generally take about 3-4 working days to clear. (Whoever said that it takes 14 days, it is time to change your bank!) The trick to have proper financial planning, and not wait till you are down to you last $100 before pleading for money.
When transferring money, TT and draft exchange rates differ between banks. It pays to shop around to get the best rates. Note that generally one does not need to have an account with the bank to be able to get a Bank Draft/Initiate a TT. A few links below:
http://www.rhbbank.com.my/treasury/rates/f...hange_rates.asphttp://www.cimbbank.com.my/index.php?ch=ba...0&tpt=cimb_bankhttps://www.ecloan.com.my/calculator/ForexRate.asp?source=dphttp://pbebank.com/en/en_content/personal/...s/landing2.htmlhttp://www.eonbank.com.my/treasury/forex_rates.asphttp://www.maybank2u.com.my/business/treas..._exchange.shtmlhttp://www.ambg.com.my/personal/rates/foreignexchange.asphttp://www1.uob.com.my/jsp/finance/fin_xrate.jsp?func=xratehttp://www.affinbank.com.my/forex/fore.phphttp://www.ocbc.com.my/personal-banking/To...cid=M2_C1_S8_P1(Links credit: member Lim Ling Yang)
Bank drafts can be sent via registered post (Pos Malaysia calls it Pos daftar:
http://www.pos.com.my/pos/personal/special...os_daftar.aspx)This is NOT Pos Express or Pos Laju. All it does it send it via international air mail, but with a tracking number that allows the letter to be tracked. The delivery time is no different from that of ordinary international air mail.
If no one is at home when the registered letter is posted to your place of residence, your registered post envelope will usually be deposited with the nearest post office closest to you place of residence. Just trot over and pick it up. Note that you will have to provide ID to pick it up, and the ID must correspond to the person addressed to on the envelope. Unfortunately this means you can't get someone else to pick it up for you.
Examples of ID include your passport, student card, bank card with your name on it, etc.
3. Tax File Number (TFN) (credit to member
Caspersky)First of all, it is not 'mandatory' to have your TFN to be able to legally work in Australia.(you need a working permit for that)However, it is strongly recommended that you have one because if you don't provide your TFN to your bank and employer, your interests and salary will be taxed at 46.5%.(45%+1.5% medical levy) That sucks doesn't it? So go apply for one before you start working.
Secondly, earning less than $6000 per year means your earnings are tax-free, it has nothing to do with eligibility of tax refund. Even if you have earned only $30 this year, if $5 was deducted from your pay as tax, you are eligible for a tax refund.
The Australian tax system is comprehensive and very well designed. For all of you working out there, from July to October every year ATO will be holding Tax Help Program, which is a program designed to help low income taxpayers to lodge their tax returns. The service is totally free of charge and most of the universities will have participated in this program. Ask your student guild about this.
Easiest way to apply for one is through the ATO’s website:
http://ato.gov.au/individuals/content.asp?...fp=001&st=&cy=14. Paying your fees
Before you can start your course, you need to pay your fees. The best way is to pay by credit card. Fast, rates can be competitive, and think of all the reward points you'll (or your parents!) will earn. After one has arrived, and opened a bank account, you can use BPay to pay your fees electronically. Just follow the instructions on your statement of account.
Fees are usually paid on a per-semester basis, so before every semester of your study you will get a Statement of Account on how much you need to pay from the university. Universities
DO NOT really have a "preference" on how you should pay your fees (unless its cash, and most universities will not accept more than A$500 in cash at their counters at any given time).
Any such discussion usually means you have not done your homework, and simply take the word of your educational agent (who will probably get a cut from the "preferred method" they "advice" you).
The basics: electricityThe good news is that Australia uses the same 240v 50Hz system Malaysia uses, so all electrical appliances from Malaysia work fine. The bad news is that Australia uses the different plug system.

This plug, used in Australia, New Zealand, Fiji and Papua New Guinea, has an earthing pin, and two flat pins forming an upside down V-shape. The flat blades measure 1.6 mm and are set at 30 to the vertical at a nominal pitch of 13.7 mm. Australasian wall sockets almost always have switches on them for extra safety, as in the UK. An unearthed version of this plug with two angled power pins but no earthing pin is used with small double-insulated appliances, but the power (wall) outlets always have three pins, including an earth pin.
There are 2 ways of overcoming this. The first is to buy a adaptor in Malaysia. They go for about RM7 in Low Yat, S$4 in Sim Lim, and A$8 in Australia. Some adaptors come with only 2 pins: its just without the earth pin. Some low powered appliances (table lamps) don’t have a earth pin in Australia.

A better alternative is to buy a generic China power bank (shown in the image above), and change the head to an Australian one, or just use the adaptor to plug in the generic China power bank. The advantage is that the generic China power bank can also take in Australian plugs. [1]
Note that while the China power plug is similar to the Australian plug, it is NOT the same. The Australian plugs are a little longer and thicker, and thus a Chinese plug would fit in an Australian socket, but not vice versa.
[1]http://forum.lowyat.net/index.php?showtopic=1286048&view=findpost&p=48759757
This post has been edited by haya: Feb 6 2012, 01:21 PM