Guides
Working holiday guides
Practical, no-nonsense guides to money, tax and visas on your working holiday.
How to open a bank account for your Australia working holiday
No utility bill, no fixed address, no two-week wait. Here's how working holiday makers actually get an Australian account set up β and get paid on payday one.
The 45% backpacker tax β and how to claim your refund
No tax file number means your boss withholds a brutal 45%. Here's how to avoid it β and claim back the average ~$2,600 refund when you leave.
How to claim your superannuation when you leave Australia (DASP)
Your employer paid super on top of your wages β and you can claim it back when you leave. Billions sit unclaimed. Here's how to get yours via the DASP.
Opening a bank account in New Zealand on a working holiday
No IRD number means your employer withholds tax at 45%. Here's how to get banked quickly, grab your IRD number, and start receiving pay in NZD.
Banking in Canada on a working holiday (IEC)
You can't legally work in Canada without a SIN. Here's the fastest path to a SIN, a bank account, and your first CAD paycheck β in the right order.
How to avoid ATM and card fees on a working holiday
Every ATM withdrawal and card swipe abroad can trigger multiple hidden fees. Here's exactly what they are β and how to eliminate them with the right account.