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How You Can Open an Australian Bank Account Before Leaving Nigeria

One of the smartest things you can do before leaving Nigeria (or anywhere in Africa) for Australia is to open your bank account in advance.

Why? Because when you land, you’ll need immediate access to money for rent, food, transport, and settling in. Carrying large sums of cash is unsafe, and waiting until you arrive can delay your setup. Thankfully, most major Australian banks let international students and migrants open accounts online before departure, so your banking is ready when you arrive.

At Afrovo, we guide African students and professionals through this process so they avoid stress, hidden fees, and mistakes.

Which Banks Allow Pre-Arrival Accounts?

Most big banks in Australia offer international student and migrant accounts:

  1. Commonwealth Bank of Australia (CommBank)

    • Popular among students.

    • Allows online setup up to 3 months before arrival.

    • Free account for students.

  2. ANZ (Australia and New Zealand Banking Group)

    • Open online before departure.

    • Access savings and transaction accounts.

  3. Westpac

    • “Choice for Students” account.

    • Free for under 30s.

    • Open online up to 12 months before arrival.

  4. NAB (National Australia Bank)

    • No monthly fees for students.

    • Quick online setup.

 

Step-by-Step: How to Open a Bank Account Before Leaving

1. Choose Your Bank

  • Look at fees, student perks, ATM availability.

  • Afrovo guides you to the most cost-effective option.

2. Apply Online

  • Fill out the pre-arrival form on the bank’s website.

  • Provide details: passport, visa grant letter, contact info, and expected arrival date.

3. Transfer Funds

  • You’ll get your bank details (BSB & account number).

  • Transfer money securely from Nigeria (Afrovo recommends trusted remittance channels).

4. Activate on Arrival

  • Visit the branch with your passport and visa.

  • Collect your debit card (EFTPOS/Mastercard).

5. Start Banking

  • Use your account for rent, groceries, and transport immediately.

 

Costs & Fees to Expect

  • Account opening fee: Usually free for students.

  • Monthly fees: Waived for students, around AUD $5 otherwise.

  • ATM access: Free at own bank ATMs, AUD $2–$3 at others.

  • International transfers: AUD $6–$12 per transfer.

💡 Tip: Always ask for student accounts: they save you money.

 

Common Mistakes African Students Make

  • Waiting until arrival → leads to delays and carrying unsafe cash.

  • Using black-market agents for transfers → often overcharged or scammed.

  • Forgetting to bring passport & visa to activate account.

  • Choosing a bank without enough ATMs near campus.

 

How Afrovo Supports You

  • Recommends the best bank for your city & lifestyle.

  • Assists with pre-arrival applications.

  • Advises on safe money transfer options to avoid scams.

  • Provides settlement packages (bank + SIM card + accommodation setup).

 

Achieve Your Migration Journey Today with Afrovo.

We are passionate about helping Africans unlock global opportunities.

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