Do I have enough to show financial capacity?
Tuition, living costs, travel — the figure changes, and your evidence has to clearly cover it for you and anyone coming with you.
A temporary visa to study full-time in a CRICOS-registered course in Australia. The subclass 500 requires a Confirmation of Enrolment, evidence of financial capacity, and Overseas Student Health Cover.
Do I have enough to show financial capacity?
Tuition, living costs, travel — the figure changes, and your evidence has to clearly cover it for you and anyone coming with you.
Is my Genuine Student evidence convincing?
The requirement asks you to show why this course, in Australia, now. That’s a story you assemble, not a single form.
CoE, OSHC, English — what’s still outstanding?
Confirmation of Enrolment, health cover, and the right English result all have to line up before you lodge.
The subclass 500 (Student) is a temporary visa that lets you study full-time in a registered course in Australia, stay for the duration of your enrolment (commonly up to five years), and work a limited number of hours. The current Department of Home Affairs application charge is in the at-a-glance section below; confirm the live figure on the Department's website before you lodge. Processing times vary — check the Department's website for current figures. It is not a permanent visa, though some graduates move on to other pathways afterwards.
You need a Confirmation of Enrolment (CoE) in a CRICOS-registered course, to meet the Genuine Student requirement, evidence of sufficient financial capacity for tuition and living costs, the required level of English, and Overseas Student Health Cover (OSHC) for your stay. You must also meet the health and character requirements. The exact thresholds — particularly the minimum living-cost figure — change periodically, so confirm the current numbers with the Department.
ReRooted groups the subclass 500 requirements into collection categories: pre-application eligibility, enrolment evidence (your CoE), financial capacity, English-language proficiency, health and insurance (OSHC), identity and character, lodgement and payment, and post-grant obligations such as maintaining enrolment and OSHC. Organising the documents this way keeps the application complete before you lodge in ImmiAccount.
The subclass 500 lets you work once your course has started — a capped number of hours per fortnight while your course is in session, and unlimited hours during scheduled course breaks. The cap is set by the Department and has changed more than once in recent years, so confirm the current figure before you rely on it. A spouse or partner included in your application has their own, separate work entitlement, which depends on the level of course you are studying.
Every applicant must satisfy the Genuine Student requirement — the test that, in 2024, replaced the former Genuine Temporary Entrant requirement. It asks the Department to be satisfied that you genuinely intend to study, weighing your circumstances, your immigration history, and how the course fits your plans. It is assessed from the written responses and supporting documents you provide, so they should read as a coherent study plan rather than a migration strategy.
You can include family members — a partner and dependent children — in a student visa application, with their own health, character, and financial evidence. After study, many graduates look to the Temporary Graduate visa (subclass 485) or a skilled pathway; the subclass 500 itself does not lead directly to permanent residence.
For your specific situation, refer to the Department of Home Affairs and a registered migration agent (MARA-registered). The information above is organisational, not legal advice.
Fees and processing times are the headline figures published by Department of Home Affairs, retrieved May 2026. Individual applications routinely take longer; these figures are not a guarantee. Always confirm the live figure on the authority’s site.
ReRooted groups the Subclass 500 requirements into 8 collection categories. Each card below shows the category, what it covers, and how many requirements sit inside it.
Pre-flight checks to confirm you meet the basic eligibility criteria before applying
4 requirements
Documents confirming your enrolment at an Australian educational institution and your genuine intent to study
5 requirements
Evidence that you have sufficient funds to cover tuition fees, living expenses, and return travel for yourself and any accompanying family members
5 requirements
Evidence of your English language ability to undertake your chosen course of study
5 requirements
Medical examination results and evidence of Overseas Student Health Cover (OSHC) for the duration of your visa
4 requirements
Proof of identity, police clearances, and disclosure of previous visa or immigration history
5 requirements
Application lodgement preparation and fee payment tracking
3 requirements
Important steps and obligations after your Student visa is granted
3 requirements
Each Subclass 500 category opens with full preparation guidance — what applicants commonly include and how to organise it — with no account needed. Start tracking to see the guidance for every requirement.
A Confirmation of Enrolment (CoE) is the official electronic enrolment record your Australian education provider issues through PRISMS after you accept your offer and complete the provider's enrolment steps. For most Student visa (subclass 500) applicants, it is the main evidence of your intended study.
A CoE should align with a CRICOS-registered provider and course. It is used to show the course you intend to study, the provider, the course dates, and the relevant CRICOS details.
Home Affairs treats evidence of intended study as part of a Student visa application. On the current Student visa page, Home Affairs says you must be enrolled in a course of study in Australia and hold a valid CoE when they decide your visa. Unless you fall within one of the limited special categories below, you should still provide a CoE for all intended courses at lodgement so the application is complete and consistent from the start.
A CoE is important because it helps establish:
Important: A CoE is the standard rule, but it is not universal with no exceptions. Home Affairs accepts different evidence for some specific applicant categories.
Home Affairs currently accepts alternative enrolment evidence instead of a standard CoE only for certain categories, including:
If you are not in one of those categories, assume you need a CoE.
Check that the CoE matches your actual study plan and passport details. In particular, confirm:
If anything is wrong, ask the provider to correct it before you lodge.
If you intend to study a package of courses, you generally need a separate CoE for each intended course. Examples include ELICOS followed by a degree, or a pathway course followed by the principal course.
For packaged-course applications:
If one CoE is missing from a package, it can create validity or visa-period problems.
If your provider defers you, changes your course, cancels the CoE, or issues a replacement while your application is still pending, get the updated CoE from the provider and upload it to ImmiAccount as soon as possible. Do not assume Home Affairs will infer the change from provider records alone.
This is especially important if:
What Is CRICOS? The Commonwealth Register of Institutions and Courses for Overseas Students (CRICOS) is the official Australian Government register of…
What This Requirement Is Australia's Student visa (subclass 500) has specific age rules for applicants enrolling in a school-sector course. For school…
What This Requirement Is If you currently hold a Temporary Graduate visa (subclass 485), check your location and visa status carefully before you plan a new…
A Confirmation of Enrolment (CoE) is the official electronic enrolment record your Australian education provider issues through PRISMS after you accept your offer and complete the provider's enrolment steps. For most Student visa (subclass 500) applicants, it is the main evidence of your intended study.
A CoE should align with a CRICOS-registered provider and course. It is used to show the course you intend to study, the provider, the course dates, and the relevant CRICOS details.
Home Affairs treats evidence of intended study as part of a valid Student visa application. Unless you fall within one of the limited special categories below, you should provide a CoE for all intended courses when you apply.
A CoE is important because it helps establish:
Important: A CoE is the standard rule, but it is not universal with no exceptions. Home Affairs accepts different enrolment evidence for some specific applicant categories.
Home Affairs currently accepts alternative enrolment evidence instead of a standard CoE only for certain categories, including:
If you are not in one of those categories, assume you need a CoE.
Check that the CoE matches your actual study plan and passport details. In particular, confirm:
If anything is wrong, ask the provider to correct it before you lodge.
If you intend to study a package of courses, you generally need a separate CoE for each intended course. Examples include ELICOS followed by a degree, or a pathway course followed by the principal course.
For packaged-course applications:
If one CoE is missing from a package, it can create validity or visa-period problems.
If your provider defers you, changes your course, cancels the CoE, or issues a replacement while your application is still pending, get the updated CoE from the provider and upload it to ImmiAccount as soon as possible. Do not assume Home Affairs will infer the change from provider records alone.
This is especially important if:
What Is a Letter of Offer or Acceptance? A letter of offer or letter of acceptance is the admission document an Australian education provider issues after…
What Is the Genuine Student Requirement? The Genuine Student (GS) requirement applies to Student visa (subclass 500) applications lodged on or after 23 March…
What This Requirement Is Your academic transcripts and qualifications are documents that show your previous study history, results, and qualifications…
What This Requirement Is Course commencement evidence is optional supporting material showing that you are making genuine, practical preparations to begin your…
For a Student visa (subclass 500), bank statements are one common way to prove a money deposit with a financial institution under the financial-capacity rules in LIN 19/198. Home Affairs must be satisfied that you have genuine access to enough funds to cover tuition, living costs, and travel for the first 12 months in Australia, or for the full period of study if it is shorter than 12 months.
Bank statements are not the only accepted form of financial evidence. The legislation also allows evidence of a qualifying loan with a financial institution, government loan, or scholarship or financial support. But if you are relying on cash savings, your statements need to show that the funds are real, traceable, and available to you.
Critical: If the Document Checklist Tool or the document list inside ImmiAccount says financial-capacity evidence must be attached, Home Affairs says it must be attached before you submit the application, or the application may be refused.
Even if financial evidence is not requested upfront, Home Affairs can still ask for it later during processing. Preparing clear bank evidence from the start reduces the risk of delays. For subsequent entrants applying separately to join a student later, financial-capacity evidence is generally required with that application.
Your evidence should cover the parts of the financial-capacity calculation that apply to your case:
| Component | Amount (AUD) |
|---|---|
| Living expenses - student | AUD 29,710 per year |
| Living expenses - partner/spouse | AUD 10,394 per year |
| Living expenses - each dependent child | AUD 4,449 per year |
| Tuition fees | First 12 months of course fees as listed on your CoE, minus any amount already paid |
| Return travel - most locations | AUD 2,000 if applying from outside Australia |
| Return travel - East or Southern Africa | AUD 2,500 |
| Return travel - West Africa | AUD 3,000 |
| Return travel - applying in Australia | AUD 1,000 |
| School costs for each school-age dependant | AUD 13,502 per year, or pro rata if staying less than 12 months |
If your course or a dependant's stay is less than 12 months, the legislation uses a pro rata calculation. If a school-age dependant's government-school fees are formally waived in one of the limited doctoral, Foreign Affairs, Defence, or Commonwealth-sponsored situations, that school-cost amount can be nil.
If you are relying on bank deposits, stronger evidence usually includes:
The legislation does not prescribe an exact number of months of bank statements, but in practice recent transaction history is much more persuasive than a single balance certificate.
Your evidence should show that the required funds are:
A case officer may look closely at where the money came from and whether you can genuinely use it for your studies.
Stronger bank statement evidence:
Weaker bank statement evidence:
A large recent deposit can trigger source-of-funds concerns. If part of your balance comes from a property sale, inheritance, matured investment, gift, or bonus, include documents showing where that money came from.
A bank balance letter can help as a supplement, but on its own it is usually weaker than full statements showing transaction history.
If the money is tied up in an account or product that you cannot actually use for tuition or living costs when needed, it may carry less weight. If you are relying on a term deposit or similar product, include evidence showing when and how it can be accessed.
If a partner or children are included, your calculation must include the extra living-cost amounts, travel costs, and any applicable school costs.
The financial-capacity requirement is about funds available for the required period. Do not assume planned work in Australia will make up a current shortfall.
If a parent, spouse, de facto partner, or another sponsor is supporting you, bank statements should usually be accompanied by evidence that explains the arrangement, such as:
The exact documents depend on how the support is structured. Do not confuse this with the separate annual income alternative, which has stricter rules about who can qualify and what evidence is accepted.
Instead of showing deposits or savings, some applicants can rely on official proof that a parent, spouse, or de facto partner had sufficient personal annual income in the 12 months immediately before application.
| Situation | Required Annual Income |
|---|---|
| Student only, no secondary applicant | AUD 87,856 |
| Student with a secondary applicant | AUD 102,500 |
Important limits for this pathway:
If you are relying on bank statements instead of this annual-income pathway, do not assume an official tax assessment is legally required in every case.
What This Requirement Is A scholarship or sponsorship letter is official evidence that another party will fund some or all of your costs for studying in…
What This Is A financial declaration, support letter, or affidavit is supporting evidence used when someone else is funding your studies. For a Student visa…
What This Requirement Is Evidence of tuition fee payment is documentation showing that some or all of your tuition fees have already been paid to your…
What This Requirement Is A loan approval letter or similar official loan document can be used as evidence of financial capacity for a Student visa (subclass…
IELTS (International English Language Testing System) is one of the approved English language tests for the Australian Student visa (subclass 500).
IELTS assesses Listening, Reading, Writing, and Speaking. For Student visa purposes, the relevant score is the overall / average band score.
For Student visa applications lodged on or after 7 August 2025:
For tests taken before 7 August 2025, the earlier approved-test rules still apply.
English language evidence is a core Student visa requirement unless you fall within an exemption category. If Home Affairs asks for English evidence and you do not meet the required standard, the visa cannot be granted.
Home Affairs may also ask for English evidence during processing even if it was not uploaded at lodgement.
These are visa minimums only. Your education provider may require higher scores for admission.
If your IELTS test was taken on or before 6 August 2025:
| Situation | Minimum overall band |
|---|---|
| Main course only | 6.0 |
| Package includes at least 10 weeks of ELICOS / Foundation / eligible Pathway | 5.5 |
| Package includes at least 20 weeks of ELICOS | 5.0 |
If your IELTS test was taken on or after 7 August 2025:
| Situation | Minimum average band score |
|---|---|
| Main course only | 6.0 |
| Package includes at least 10 weeks of ELICOS / Foundation / eligible Pathway | 5.5 |
| Package includes at least 20 weeks of ELICOS | 5.0 |
For applications lodged on or after 7 August 2025, the 2025 instrument treats IELTS Academic and IELTS General Training separately, but the required scores are the same for both.
If you want to rely on the lower packaged-course threshold, make sure your application genuinely includes the relevant ELICOS, standard foundation, extended foundation, or eligible pathway arrangement.
The timing rule is narrower than many applicants expect:
That means a score can still become unusable if it expires during processing before you provide it. The safest approach is to use a recent result and upload it early if available.
Upload your official IELTS result / Test Report Form (TRF). It should clearly show:
A clear official result document is stronger than a screenshot or informal score summary.
Important: Your name on the IELTS result should match your passport details. If there is any mismatch, include evidence explaining the difference.
You generally do not need to provide an English test result if one of the recognised Student visa exemptions applies, including if you:
If you rely on an exemption, upload the evidence that proves it, such as your passport or course documents.
Note: Home Affairs says applicants with a British National Overseas (BNO) passport may still be asked to provide English test evidence with the application.
What this requirement is PTE Academic (Pearson Test of English Academic) is one of the approved English language tests for the Australian Student visa…
What this requirement is TOEFL iBT (Test of English as a Foreign Language internet-Based Test) is one of the approved English tests for the Australian Student…
What this requirement is English medium instruction (EMI) evidence is usually a letter from a previous school, college, or university confirming that your…
What this requirement is For the Student visa (subclass 500), Cambridge English evidence is accepted only within the Home Affairs English-test tables that…
Overseas Student Health Cover (OSHC) is the form of adequate health insurance that Student visa (subclass 500) holders normally need to hold for themselves and any accompanying family members while they are in Australia. It helps cover doctor visits, some hospital treatment, ambulance services, and limited medicines.
Visa condition 8501 requires Student visa holders to maintain adequate health insurance. For most subclass 500 applicants, that means OSHC unless a recognised exception applies.
Australia has a small number of approved OSHC providers. Current brands include:
| Provider | Website |
|---|---|
| ahm OSHC | ahm.com.au/oshc |
| Allianz Care Australia | allianzcare.com.au |
| Bupa Australia | bupa.com.au/health-insurance/oshc |
| CBHS International Health | cbhsinternationalhealth.com.au |
| Medibank | medibank.com.au/overseas-health-insurance/oshc |
| nib OSHC | nib.com.au/overseas-students |
Your education provider may arrange OSHC for you as part of enrolment, but you remain responsible for checking that the policy is correct and covers the right people for the right dates.
Home Affairs says you should obtain OSHC for yourself and any dependants for the duration of your stay in Australia, generally from at least 1 week before your course starts.
Practical points:
The visa grant period can take your OSHC end date into account, so buy enough cover to span the expected visa period, not just the teaching weeks.
Home Affairs currently asks for different details depending on who arranged the cover.
If you or your migration agent arranged the OSHC:
If your education provider arranged the OSHC:
Family members: if your partner or dependent children are included in the application and will be in Australia with you, the cover must include them too. A single-person OSHC policy is not enough for accompanying family members.
If OSHC information that Home Affairs requires is missing, the application is at risk of refusal. Do not assume the Department will ask you to correct it later.
Core OSHC generally includes:
Coverage is not unlimited. You can still have waiting periods, exclusions, and out-of-pocket costs depending on the treatment and provider rules.
Common gaps or limits include:
If you expect regular dental, optical, or similar care, check whether you need separate extras cover.
Home Affairs recognises limited situations where a Student visa applicant may not need OSHC because they are covered by another accepted arrangement, including:
Do not rely on an exception unless you clearly meet it and can prove it.
Check the current Home Affairs and Australian Government health insurance guidance before lodging:
immi.homeaffairs.gov.au/help-support/meeting-our-requirements/health/adequate-health-insuranceprivatehealth.gov.au/health_insurance/overseas/overseas_student_health_cover.htmWhat this requirement is For a Student visa (subclass 500), Home Affairs lists Australia's health requirement as something applicants need to meet. That does…
What This Requirement Is A chest X-ray is a tuberculosis (TB) screening test that can form part of the Australian visa health examination process. For Student…
What This Requirement Is This is optional supporting evidence for applicants who already know they have a medical condition or history that could be relevant…
For a Student visa (subclass 500), you should attach a clear copy of your current passport as part of your identity evidence. In practice, this usually means the biodata page showing your photo, full name, date of birth, passport number, nationality, and the passport issue and expiry dates.
Home Affairs' Student visa Document Checklist Tool says to attach a copy of your passport as identity evidence. The visa is then digitally linked to the passport details on your application.
A clean colour scan is best. Make sure the image is legible and the passport number, issue date, and expiry date can be read clearly.
You should use a current, valid passport for the application and make sure it remains valid at least until visa grant and travel.
However, the common statement that your passport must have at least 6 months remaining for the whole stay should be treated carefully. Home Affairs material commonly presents 6 months' validity as a strong recommendation, not as a standalone published subclass 500 grant criterion by itself.
Practical guidance:
Your passport is your primary identity document for the application. If your name, date of birth, nationality, or passport details do not match your other evidence, Home Affairs may ask for clarification or further documents.
This requirement also matters after lodgement because the visa or application record is linked to your passport details. If those details change, you need to update Home Affairs so the new passport can be linked correctly.
If you get a new passport while the application is being processed or after the visa is granted, update the passport details in ImmiAccount. Home Affairs says this is the quickest way to link the new passport to your visa or application, and the department states that the link is usually updated within 72 hours in ImmiAccount.
Do not assume Home Affairs will pick up the change automatically from airline, provider, or border records.
If you need to travel before the update is reflected, carrying both the old and new passports is prudent.
What This Requirement Is For a Student visa (subclass 500), Home Affairs lists Australia's character requirement as applying to the applicant and any included…
What This Requirement Is For a Student visa (subclass 500), Home Affairs considers your immigration history as part of the application. Under the current…
What This Requirement Is For a Student visa (subclass 500), Home Affairs treats your passport as the main identity document. The Student visa Document…
What This Requirement Is Form 80 is the Department of Home Affairs form titled Personal particulars for assessment, including character assessment. The form…
ImmiAccount is the Department of Home Affairs' online portal at online.immi.gov.au. It is the account applicants use to start, submit, and manage a Student visa (subclass 500) application online.
ImmiAccount is also where you attach documents, receive department messages, respond to requests for more information, and check the status of an application after lodgement.
You need access to ImmiAccount before you can complete the online subclass 500 application. Home Affairs also uses it after lodgement to send messages and requests, so you should keep access to the account and its email address throughout processing.
online.immi.gov.auIf a registered migration agent or legal practitioner is lodging for you, they may manage the application through their own professional account instead of your personal Individual account. Confirm with them how you will receive messages and copies of documents.
After you submit, ImmiAccount will show a Transaction Reference Number (TRN). Save it carefully. The TRN is commonly used to identify your application in later correspondence and when tracking progress.
What this requirement is The visa application charge (VAC) is the government fee you pay when lodging a Student visa (subclass 500) application through…
What this is The Transaction Reference Number (TRN) is the reference number Home Affairs assigns to a lodged online application in ImmiAccount. For a Student…
When your Student visa (subclass 500) is granted, it comes with visa conditions that Home Affairs attaches for your entire stay in Australia. Home Affairs treats these as legally binding rather than as suggestions, and states that breaching a condition can result in visa cancellation, removal from Australia, and potential bans on future Australian visa applications.
Important: Your exact conditions are listed in your visa grant notification in ImmiAccount and can be verified at any time using VEVO (Visa Entitlement Verification Online). Not every Student visa carries the same set of conditions — always check your specific grant.
Home Affairs lists condition 8105 as generally preventing work in Australia before the course commences.
Once the course has started, Home Affairs lists the following:
Exception: If you are enrolled in a Master's by Research or Doctoral (PhD) program, you and your partner may work unlimited hours once your course commences — the 48-hour cap does not apply.
Also important: If you applied while holding another substantive visa or bridging visa that already allowed you to work, you may be able to keep working before your Student visa course starts. Check your grant notice and VEVO carefully before relying on this exception.
Warning: Exceeding the 48-hour fortnightly limit is one of the most common reasons for Student visa cancellation. Keep a personal log of your hours every fortnight — do not rely on memory.
Home Affairs lists condition 8202 as requiring the visa holder to:
Where a course will run beyond the current visa validity, a new Student visa may be needed before the current visa expires — Home Affairs does not automatically extend the visa just because a CoE or course dates change.
Home Affairs lists condition 8501 as requiring:
Home Affairs lists condition 8516 as requiring the visa holder to continue meeting the primary criteria under which the visa was granted:
Home Affairs lists condition 8533 as requiring the visa holder to:
Home Affairs frames this as a legal obligation rather than an admin formality — providers are required to keep these records and may report non-compliance to Home Affairs.
Home Affairs lists condition 8208 as prohibiting critical technology related study unless Home Affairs gives written approval.
This condition is aimed at certain postgraduate research courses, related bridging courses, and thesis or research topics involving critical technology. It does not apply to the course or study activity that was already disclosed in your visa application, but it can matter later if you change into covered research. If condition 8208 is listed on your visa and you are considering a course, thesis, or research-topic change, get written guidance before making the change.
Home Affairs lists condition 8534 as meaning most other substantive visas cannot be granted while the holder is in Australia.
The main listed exceptions are Protection visas, the Temporary Graduate visa (subclass 485), and the Student Guardian visa (subclass 590). This condition significantly restricts your onshore options, so check VEVO and your grant notice before making any plan to switch visas in Australia.
The safest approach is to understand your conditions now, set up reminders, and reach out to your education provider or a registered migration agent early if any issue arises.
What Are Your Work Rights? Your Student visa (subclass 500) normally carries Condition 8105. This condition controls when you can start work and how many hours…
What This Requirement Is Your Student visa (subclass 500) is tied to your course — once your course ends, Home Affairs allows you to remain in Australia until…
ReRooted provides general information to help you organise your application. It is not legal advice. Always refer to the Department of Home Affairs and/or a registered migration agent for advice.
Temporary visa for partners of Australian citizens, permanent residents, or eligible New Zealand citizens. First stage of the partner visa pathway.
Permanent visa granted approximately 2 years after the 820 application. Allows permanent residency in Australia.
Provisional visa for partners of Australian citizens, permanent residents, or eligible New Zealand citizens who apply from outside Australia. First stage of the offshore partner visa pathway.
Permanent visa granted approximately 2 years after the 309 application. Allows permanent residency in Australia.
Permanent residence visa for skilled workers who are not sponsored by an employer or a state or territory government. Applicants must be invited to apply through SkillSelect based on their points score.
Permanent visa for skilled workers nominated by an Australian state or territory government. Requires a nomination invitation from a state or territory and a points score of at least 65 on the points test.
Provisional visa for skilled workers who are nominated by a state or territory government, or sponsored by an eligible family member living in a designated regional area. Allows you to live, work, and study in a specified regional area of Australia for up to 5 years, with a pathway to permanent residency through the Subclass 191 visa.
Every requirement above is wired into a tracker built for Subclass 500. Free to start.