Guest Nige69

Help on Tax File Number & Bank Account Number

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    Guest Nige69

    Hi There,

     

    Could someone please help me with a couple of quick questions. We are looking to get to Oz this Autumn and wish to sort out the bank accounts, etc could anyone please advise on,

     

    When and how to,

     

    Create our tax file numbers

    Set up bank accounts

    Sort out Medicare -- What medicals do we need when we get to Adelaide?

    Insurances

    Center Link - Apply here or wait until in Oz and what should I be looking to set up?

    Recommendations on renting and haulage.

     

    ANY and I mean any help would be much appreciated.

     

    Many Thanks

     

    The Hoy Family

    Nige (40)

    Dawn (36)

    Freya(4)

    Southport

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    Hi Nige

    I've been here exactly a year today and like a lot of people on here had the same things to solve as you're now facing. This is what I did / experienced - it may not be the right way or the best way but it worked out for me. I came on a 457 business visa and now have PR - this is relevant to some of the answers.

    TFN - I think you have to be physically in Australia to apply online. Its a very quick process and the number is received in a couple of days.

    Bank a/c - we tried setting them up from the UK and were told a load of stuff by the Aus London branches that was wrong accordingly the the branches in Adelaide. We paid to get docs signed / checked as required by the bank only to find the branches over here wouldn't recognise the docs. I would just contact a local Aus branch stating your intentions and then sort out the cards etc once you get here. Cards to sent out within a week or so. Current accounts over here have no benefits like in the UK so you won't get car breakdown cover, travel ins, etc for 'free' through the account. Think of the UK banks back in the early 1980s and thats what you'll get here.

    Medicare - we needed a 21 day migration health insurance the moment you enter Aus. Apparently normal travel ins wouldn't cut it so we got a policy through Walkabout Ins in the UK. We then just went into the local Medicare office within the first 21 days and got covered.

    Centrelink - we came on a business visa so were not eligible. We now have PR so can get Family Allowance but again I think you have to be here (someoneelse may have more accurate info).

    General insurances - just the same as the UK. The big companies are online and by phone.

     

    General info - you can get a SA driving licence over the counter just by completing a form and paying a fee. Having a local licence makes car ins cheaper. If you buy a car don't say you're just off the boat as they will rob you blind! Don't speed - not even by a bit. Speed traps are more common than pop holes and the fines are big.

    Good luck.

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    Guest cyprus2001
    Hi Nige

    I've been here exactly a year today and like a lot of people on here had the same things to solve as you're now facing. This is what I did / experienced - it may not be the right way or the best way but it worked out for me. I came on a 457 business visa and now have PR - this is relevant to some of the answers.

    TFN - I think you have to be physically in Australia to apply online. Its a very quick process and the number is received in a couple of days.

    Bank a/c - we tried setting them up from the UK and were told a load of stuff by the Aus London branches that was wrong accordingly the the branches in Adelaide. We paid to get docs signed / checked as required by the bank only to find the branches over here wouldn't recognise the docs. I would just contact a local Aus branch stating your intentions and then sort out the cards etc once you get here. Cards to sent out within a week or so. Current accounts over here have no benefits like in the UK so you won't get car breakdown cover, travel ins, etc for 'free' through the account. Think of the UK banks back in the early 1980s and thats what you'll get here.

    Medicare - we needed a 21 day migration health insurance the moment you enter Aus. Apparently normal travel ins wouldn't cut it so we got a policy through Walkabout Ins in the UK. We then just went into the local Medicare office within the first 21 days and got covered.

    Centrelink - we came on a business visa so were not eligible. We now have PR so can get Family Allowance but again I think you have to be here (someoneelse may have more accurate info).

    General insurances - just the same as the UK. The big companies are online and by phone.

     

    General info - you can get a SA driving licence over the counter just by completing a form and paying a fee. Having a local licence makes car ins cheaper. If you buy a car don't say you're just off the boat as they will rob you blind! Don't speed - not even by a bit. Speed traps are more common than pop holes and the fines are big.

    Good luck.

     

     

    some very useful information, thankyou, can i just ask a quick question ,if you have been there only a year how did you manage to already get permanent residency, as we going on 457 business and would like to gain residency asap, so any tips would be gratefully appreciated. thanks

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    How did we get PR? Obvious really, I bribed the officals by prostituting out my wife and kids!

    However, this is what really happened (to the best of my memory). I'm a freelance architectural photographer so oddly enough am not on the top of the governments required list. My wife is a specialised horse vet and was offered a job at the new vet school at Adelaide Uni. The Uni pretty much sorted the 457 business visa.

    We arrived on 22 June 2010 (a year and a day ago). My wife had to do a 6 month probabionary period and would then be sponsored for PR. 6 months passed and so we thought we would start the process.The Uni did its bit and we had a letter from IMMI stating we has 6 months from the date of the letter to apply. We sat on the letter for a month or so and then realised our son's passport only had 4 months remaining so we spent another month getting a new passport (we were slow rather than the UK dept being slow). Whilst waiting for the passport we arranged the UK police checks.

    Eventually on about 12 May 2011 we sat down, completed and mailed the Form 47ES and arranged the medicals in Adelaide. 23rd May we had a standard application acknowledgement. 26th May we received an e mail and subsequent letter stating a RSMS 857 visa had been granted for us all (2 x adults, 1 x 7yr old, 1 x 4yr old). The IMMI did everything pretty quickly and it was us who seemed to put off completing forms and arranging stuff. Easy eh!

    This next bit is just my thoughts and supposition - my understanding is that if you are on RSMS then you are wanted by the state and that the state gains by you being here so its not in their interest to drag their heals. My wife has a very specialised skill but when it comes down to it so do all uni staff and so I don't think that made any difference.

    Hope this helps.

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    Guest Beverley1305

    Hi Nige,

    We arrived in January and visited Centrelink the first week we were here, we told them we were greener than a green thing and they were really helpful.

     

    Quite a few centrelink offices have a Medicare person based there and so we were able to register with Medicare the same day - all they need is your passport and Visa information. As a new migrant, you have one year from the date of registering for Medicare to get hospital cover without being subject to the government's lifetime loading cost - we were quoted it being up to 30% higher afterwards - so worth bearing in mind.

     

    Tax file numbers can't be done till you are here but it is a 10 minute job on line and the information comes back in about 7-10 days.

     

    Family assistance claims can be done on line as well - they are a bit more longwinded tho - we got declined for Jan-Jun as our overseas salaries were in the tax year and went over the threshold but it has been granted from July, along with Rent assistance. On the subject of tax years, you also have to do a manual tax return here even if you are employed not like at home where you are taxed at source and only do a tax return if self employed or have other incomes on top of your earnings,

     

    Renting is quite straightforward - get references and a bank statement to show real estate agents - if you owned your own house, ask the estate agent in the UK to write you a letter about the presentation of your home while they tried to sell it. Realestate.com.au is quite a good site and you get a suburb rating in most cases too.

     

    As for banking - we were with HSBC at home and just did it all through them - advantages of that are no fees to transfer UK funds to AUD and you retain some credit history. Disadvantages only one branch in Adelaide city but they are affiliated to Bank SA, Westpac and St George for cash machine purposes. No credit history on arrival can create a few headaches - we got declined for a phone line on the basis of no history and even though we offered to pay up front, they wouldn't have it - in the end the bank spoke to them for us and vouched for our solvency!!

     

    Definitely agree on the road rules things - you can drive on your UK licence for 3 months then you have to get an SA one - it costs $43.00 and has to be renewed each year. They are really hot on speeding and watch out for junctions - you can turn on an orange arrow but if all four wheels are not across the line when it goes red, you will get slapped with a ticket - we discovered this to our cost - $400 worth 3 weeks after arriving for 'running a red light' and $281 for speeding doing 54 in a 50 - not chuffed!

     

    Haulage - shop around and make sure you know whether the quote includes insurance or not, it can make a massive difference to the final figure! And, finally, as you pay for freight on cubic volume, make sure that they don't pack fresh air - I made the point before we agreed booking as someone I know who had done it before found over a dozen empty boxes and about the same again of huge boxes with one thing in when their stuff arrived at this end - the chap was a bit taken aback but he got the message!

     

    Good Luck!

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    Guest Nige69
    Hi Nige,

    We arrived in January and visited Centrelink the first week we were here, we told them we were greener than a green thing and they were really helpful.

     

    Quite a few centrelink offices have a Medicare person based there and so we were able to register with Medicare the same day - all they need is your passport and Visa information. As a new migrant, you have one year from the date of registering for Medicare to get hospital cover without being subject to the government's lifetime loading cost - we were quoted it being up to 30% higher afterwards - so worth bearing in mind.

     

    Tax file numbers can't be done till you are here but it is a 10 minute job on line and the information comes back in about 7-10 days.

     

    Family assistance claims can be done on line as well - they are a bit more longwinded tho - we got declined for Jan-Jun as our overseas salaries were in the tax year and went over the threshold but it has been granted from July, along with Rent assistance. On the subject of tax years, you also have to do a manual tax return here even if you are employed not like at home where you are taxed at source and only do a tax return if self employed or have other incomes on top of your earnings,

     

    Renting is quite straightforward - get references and a bank statement to show real estate agents - if you owned your own house, ask the estate agent in the UK to write you a letter about the presentation of your home while they tried to sell it. Realestate.com.au is quite a good site and you get a suburb rating in most cases too.

     

    As for banking - we were with HSBC at home and just did it all through them - advantages of that are no fees to transfer UK funds to AUD and you retain some credit history. Disadvantages only one branch in Adelaide city but they are affiliated to Bank SA, Westpac and St George for cash machine purposes. No credit history on arrival can create a few headaches - we got declined for a phone line on the basis of no history and even though we offered to pay up front, they wouldn't have it - in the end the bank spoke to them for us and vouched for our solvency!!

     

    Definitely agree on the road rules things - you can drive on your UK licence for 3 months then you have to get an SA one - it costs $43.00 and has to be renewed each year. They are really hot on speeding and watch out for junctions - you can turn on an orange arrow but if all four wheels are not across the line when it goes red, you will get slapped with a ticket - we discovered this to our cost - $400 worth 3 weeks after arriving for 'running a red light' and $281 for speeding doing 54 in a 50 - not chuffed!

     

    Haulage - shop around and make sure you know whether the quote includes insurance or not, it can make a massive difference to the final figure! And, finally, as you pay for freight on cubic volume, make sure that they don't pack fresh air - I made the point before we agreed booking as someone I know who had done it before found over a dozen empty boxes and about the same again of huge boxes with one thing in when their stuff arrived at this end - the chap was a bit taken aback but he got the message!

     

    Good Luck!

    Thank you ever so much for that it's really useful information good luck to you too

     

    Nige and Family x

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