1. In addition to preparing foreign exchange before leaving the country, you should also know how to take money out of the country safely. Wire transfer is the most common way for funds to leave the country. The biggest feature of telegraphic transfer is fast, safe and large, and funds can reach overseas accounts within a few working days. Nowadays, many schools require students to remit tuition fees directly to designated accounts. Bill remittance has also become a common remittance method for international students. Suitable for international students who are visiting Australia for the first time and have not yet opened a bank account abroad. As long as they provide their own names and the names of their cities, international students can take money orders abroad and collect them at foreign banks. The bill of exchange is convenient to carry, the cost is relatively low, and the time of receipt can be flexibly controlled. Moreover, some schools also require students to pay tuition fees by bill of exchange. T/T and remittance are safe and have low fees, so they can be the first choice for studying in Australia.

Second, international credit cards allow parents to supervise and "pay the bill". Now many banks have launched dual-currency credit cards for international students. Dual-currency credit cards are mostly settled in US dollars. In terms of repayment methods, you can use the original currency to avoid currency exchange losses, and you can also let your family repay in RMB at home. Most of these credit cards have primary and secondary cards. International students use secondary cards to spend money overseas. Parents can use the main card RMB to automatically purchase foreign exchange for repayment in China. You can also set the consumption quota of the secondary card, and there is a SMS reminder for each consumption. In addition, the bank will send back the bill of your consumption abroad on time every month, so that your parents can know your consumption in Australia at home and help you establish the habit of rational consumption. Although international students may not be willing to be "monitored", if your expenses in Australia only involve some simple consumption, this way can save a lot of remittance costs and is more convenient to operate. Still the choice of most people.

Third, there is more preparation after purchasing foreign exchange in large quantities or in batches. The first is to purchase foreign exchange. Due to the influence of Australian dollar exchange rate and Australian student policy, the total cost of studying in Australia is constantly changing. How to reasonably purchase foreign exchange according to the change of foreign exchange rate and reduce the cost of studying abroad is also a problem that has to be considered. In fact, this problem is somewhat similar to the fixed investment fund, except that the fixed investment fund is to stabilize the income, while the fixed investment in foreign exchange is to stabilize the cost of studying abroad. If you want to buy a certain amount of foreign exchange for a long time, you need international students to always pay attention to the trend of foreign exchange and make a complete budget for their study abroad expenses. In recent years, the continuous appreciation of the renminbi has led to the relative reduction of the cost of studying in the United States, Britain, Australia, Canada and other countries, which may also be a reason for the increase in the number of students studying abroad, because everyone thinks that "studying abroad now is very cost-effective." Although this statement seems utilitarian, the high cost of studying abroad forces people to think on this issue. Regarding the method of purchasing foreign exchange, we can operate in stages according to the exchange rate trend, purchase foreign exchange on dips in batches, and stabilize the summary cost of purchasing foreign exchange. Try to make an appointment with the bank before purchasing foreign exchange to confirm whether there is this business and whether there is enough foreign exchange, because sometimes it may take several days.

Fourth, we should plan ahead and study in Australia as soon as possible. For example, the deposit you prepare for studying abroad is not only the expenses spent in Australia during your study abroad, but some Australian universities will require you to submit a certain deposit certificate when applying, usually for half a year. Therefore, if the necessary funds are not prepared in advance, the deposit period will be too short to meet the requirements of others. But money doesn't fall from the sky, and all deposits need time to accumulate, so we should plan the funds for studying abroad as soon as possible. After getting the admission notice from the school, you will enter the stage of applying for a visa. Proof of deposit is very important for visa approval. Under normal circumstances, international students need to provide proof of bank deposits for 6 months to 1 year, and deposit them in the bank as required, including time and current savings deposits, voucher-type government bonds, etc. Therefore, it is best to start your passbook for studying in Australia one year before applying for a visa, and it is best to have records of multiple deposits and expenditures, rather than a large deposit of several hundred thousand at a time.

Verb (abbreviation of verb) study abroad loan If you make a hasty decision on your study abroad trip in Australia, you can make up for it by applying for a study abroad loan. Generally speaking, the loan amount for studying abroad cannot exceed the sum of the school's registration fee, tuition, living expenses and other necessary expenses within one year, with a maximum of 500,000 yuan and a maximum loan period of 6 years. For some countries that recognize loan certificates, such as Australia and New Zealand, many banks will provide special loan products for studying abroad. Some countries that like to accept foreign students are very concerned about their financial problems. They don't like more poor people running to their own land. Therefore, the amount of deposit for studying abroad-that is, the time deposit certificate mentioned above-is very high. Generally, international students have to provide proof of funds for several years after studying abroad, which is a big problem for many China families with ordinary living conditions. Even some relatively wealthy self-employed individuals have not solved the problem of high margin because of their high liquidity requirements. Therefore, these people can choose to apply for a loan for studying abroad, but it is best to prepare from the time they apply for a school, which will help you apply for a visa smoothly.

Sixth, preset overseas accounts to solve the problem of withdrawing credit cards overseas. Although it is convenient to use, it is not so cost-effective when withdrawing cash. Before going abroad, you can also open an overseas account in advance in China, and remit the funds needed for studying abroad, such as tuition and living expenses, to the account in advance, which can be used directly after being activated overseas. This agency business is mainly for domestic banks to cooperate with overseas branches to help international students handle overseas bank accounts in advance. As long as you submit the application materials for opening an account to an overseas branch through a domestic bank before leaving the country, the overseas bank will help you open an account in an overseas bank in advance after it is approved. This study abroad account has no minimum deposit requirements and will not charge account management fees. This is the best way for students studying in Australia for the first time to carry funds, which can avoid the trouble of finding a bank account after they have just arrived abroad.