Getting a Tax File Number (TFN) in Australia for International Students

Moving to Australia for your studies is a big step filled with exciting opportunities and important adjustments. From opening a bank account to finding part-time work, understanding how things work in your new country is crucial. At IMFS, we’ve guided thousands of students like you through this journey. As part of our “Life in Australia” series, this blog focuses on one essential document you’ll need to work and manage your finances in Australia — the Tax File Number (TFN).

What is a Tax File Number (TFN)?

A Tax File Number is a unique personal reference number issued by the Australian Taxation Office (ATO). It’s used for managing taxes, employment, and some government services.

Why Do International Students Need a TFN?

If you’re planning to work or earn interest on a bank account in Australia, a TFN is essential. Without it, you could face higher tax deductions and miss out on refunds or benefits.

You’ll need a TFN to:

• Work part-time while studying
• File a tax return (to claim any eligible tax refunds)
• Open an interest-bearing bank account
• Apply for certain government services or benefits (if eligible)

Note: Without a TFN, your employer will tax your wages at the highest marginal rate, significantly reducing your take-home pay.

How to Apply for a TFN: Step-by-Step Guide

1. Check Your Eligibility

You can apply for a TFN if you:

• Hold a valid student visa (subclass 500)
• Are legally allowed to work in Australia

2. Gather the Required Documents

Make sure you have:

• Your passport and visa details
• A valid Australian postal address (TFN is sent here)
• Your personal information (full name, date of birth, contact details)

3. Apply Online

You can apply online through the official Australian Taxation Office (ATO) website:

Visit: ATO TFN Application Page

Steps:

• Select “Apply for a TFN” as a foreign passport holder with a visa.
• Fill in your personal and visa details.
• Submit the form and keep the reference number for future tracking.

4. Wait for Delivery

Your TFN will be mailed to your Australian address within 28 days. Make sure the address is accurate and accessible.

Frequently Asked Questions (FAQs)

1. Can I start working without a TFN?

Yes, but you must provide your TFN to your employer within 28 days, or you’ll be taxed at the maximum rate.

2. Is it free to apply for a TFN?

Yes, applying for a TFN is completely free.

3. Do I need to renew my TFN?

No. Your TFN is yours for life — you don’t need to renew it, even if your visa or job situation changes.

4. What if I lose my TFN?

No worries. You can:

• Check old payslips or tax returns
• Log in to your myGov account linked to the ATO
• Call the ATO for assistance

Final Thoughts: Apply Early, Avoid Delays

Getting your TFN should be one of the first things you do upon arriving in Australia. It’s fast, free, and ensures you’re taxed correctly from day one.

By taking care of your tax file number early, you can focus on what really matters — your studies, career goals, and enjoying life in Australia.