Your First Week in Australia: The Day-by-Day Settlement Checklist (2026)
Settlement Guide

Your First Week in Australia: The Day-by-Day Settlement Checklist (2026)

F
First Migration Service
1 March 2026
10 min read
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You've landed. The visa is stamped, the flight was long, and everything outside the terminal looks impossibly bright. Now what? The first seven days in Australia are when small actions - opening a bank account, grabbing a transport card, booking a GP - save you weeks of stress later. This checklist walks you through every essential task, day by day, with links to our detailed guides so you never have to guess.

TIP

Bookmark this page. It is designed as a master hub - each item links to a full guide with step-by-step instructions, costs, and tips.

Day 1: Arrive & Get Connected

Your plane-day priorities are simple: get a working phone, get to your accommodation, and get some rest.

TaskWhy It MattersTime Needed
Buy a SIM card at the airportYou need data for maps, banking apps, and ride-sharing immediately15 min
Activate your bank account (if you pre-opened one)Transfer funds and start using tap-to-pay from day one10 min via app
Get to your accommodationAirport shuttle, taxi, or public transport - know your options before landingVaries

If you haven't opened an Australian bank account yet, many major banks (CommBank, NAB, ANZ, Westpac) let you open an account online before you arrive. You will need to verify your identity in-branch within 6 weeks of arrival.

Day 2: Banking & Phone Number

With jet lag fading (slightly), today is about getting your money sorted and having a local number people can call.

  • Visit your bank branch - bring your passport, visa grant letter, and proof of address (even temporary accommodation counts). Read our full banking guide for migrants for tips on choosing between the Big 4 banks.
  • Set up mobile banking - most everyday transactions in Australia are contactless tap-and-go.
  • Buy a proper SIM plan if you grabbed a starter SIM yesterday - compare Telstra, Optus, and Vodafone prepaid plans.
NOTE

Your overseas credit history does not transfer to Australia. Building Australian credit starts from day one, so getting a bank account early matters.

Day 3: Medicare, TFN & Government Essentials

This is your big admin day. These tasks can all be started online but some require an in-person visit.

Medicare Enrolment

If you hold an eligible visa (permanent residents, some temporary visa holders covered by RHCA agreements), you can apply for Medicare at a Services Australia office or online via myGov.

Bring: Passport, visa grant letter, proof of Australian address, and your travel documents.

Tax File Number (TFN)

You will need a TFN before you can start working legally. Apply online through the Australian Taxation Office (ATO) website - it takes about 5 minutes to submit and arrives by post within 28 days.

IMPORTANT

Without a TFN, your employer must withhold tax at the highest marginal rate plus Medicare levy - a combined 47%. Apply on Day 3, not Day 30.

myGov Account

Set up a myGov account and link Medicare, the ATO, and Centrelink (if applicable). This one account manages most government services. Check our guide on Centrelink & government benefits for eligibility details by visa type.

Day 4: Transport & Getting Around

Australia's cities are spread out - you'll need a transport strategy from day one.

  • Get a transport card - Myki (Victoria), Opal (NSW), go card (Queensland), or MetroCard (SA). Our complete public transport guide covers every state, fare caps, and concession eligibility.
  • Download ride-share apps - Uber and DiDi are widely available.
  • Planning to drive? Read our state-by-state driver's licence guide to understand how long your overseas licence is valid and when you must convert.

If you're thinking about buying a car, it's worth waiting until you've settled your licence situation - but start researching now so you know what to budget.

Day 5: Housing & Rental Applications

If you're in temporary accommodation (Airbnb, hostel, or staying with friends), Day 5 is when you start the rental hunt in earnest.

Our complete renting guide for newcomers covers:

  • How the Australian rental market works (inspections, applications, bonds)
  • What documents you need (100 points of ID, proof of income, references)
  • Typical rental costs by city - see our cost of living guide for suburb-by-suburb breakdowns
CityMedian Weekly Rent (2-bed unit)Bond (4 weeks)
Sydney$700-$800$2,800-$3,200
Melbourne$530-$600$2,120-$2,400
Brisbane$580-$670$2,320-$2,680
WARNING

Rental scams are common on Facebook Marketplace and Gumtree. Never pay money before inspecting a property in person. Legitimate landlords use platforms like Domain or realestate.com.au.

Day 6: Healthcare, Childcare & Family Setup

If you're settling with family, today is about making sure everyone is looked after.

Find a GP (General Practitioner)

Australia uses a GP-first healthcare system - you cannot walk into a specialist without a referral. Read our guide on how the Australian GP system works to understand bulk billing, out-of-pocket costs, and how to find a doctor near you.

Need dental care? Our dental care costs guide explains what Medicare does (and doesn't) cover.

Childcare & Schools

Expecting a Baby?

If you're pregnant or planning, our guide on having a baby in Australia covers the private vs public hospital decision, costs, and midwifery options.

Day 7: Workplace Rights, Safety & Settling In

Your first week is almost done. Today, wrap up loose ends and prepare for life beyond the checklist.

Know Your Workplace Rights

Before starting a new job, read our guide to Australian workplace rights so you understand award rates, leave entitlements, and what your employer must provide. If you have visa conditions restricting your work hours, check them now.

Understand Your Surroundings

Australia is incredible but different. A few important reads:

Plan Ahead

Next StepGuide
Learning to drive / licence conversionDriver's licence guide
Buying your first homeFirst home buyer guide - estimate repayments with our Home Loan Calculator
Understanding government benefitsCentrelink & benefits guide
Bringing pets to AustraliaMoving pets guide

How First Migration Can Help

Settling into a new country is more than a checklist - it's a fresh start. If you have questions about your visa conditions, your pathway to permanent residency, or how to bring family members to join you, our registered migration agents are here to help.

Ready to take the next step? We invite you to submit a free visa assessment so we can understand your situation and provide tailored advice. You can also explore our full library of free migration tools to plan your journey.

Free Assessment

Unsure about your visa options?

Get a free professional assessment from our MARA registered agents.

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