TFN Blog Articles for Working Holiday Makers in Australia
A Tax File Number (TFN) is the 9-digit identifier issued by the Australian Taxation Office (ATO) to every person who earns income in Australia. As a working holiday maker, you need a TFN before you start work, otherwise your employer must withhold tax at 45% instead of the 15% working holiday rate. These articles cover everything from applying for your first TFN to handling delays, lost numbers, and second-visa returns.
Apply for your TFN →All TFN articles (13)
What is a TFN and why do you need one in Australia?
A Tax File Number is the first thing you need when you start working in Australia. Without one, your employer must withhold nearly half your pay.
Read more →How to apply for a TFN as a working holiday maker
Applying for a TFN in Australia is straightforward and free. Here is exactly how to do it as a working holiday visa holder.
Read more →How long does it take to get a TFN in Australia?
Most TFN applications are processed within 28 days. Here is what to expect and what to do while you wait.
Read more →Can you start work in Australia without a TFN?
Yes, you can start work without a TFN, but there are real financial consequences. Here is what you need to know before your first shift.
Read more →What happens if your employer does not have your TFN?
If your employer does not hold your TFN, they must withhold tax at 45%. Here is exactly what that means for your pay and how to fix it.
Read more →TFN vs ABN - what is the difference and which one do you need?
A TFN and an ABN are two different things that serve different purposes. Here is how to work out which one applies to your situation.
Read more →Can you apply for a TFN before arriving in Australia?
Yes, in most cases you can apply for a TFN before you land in Australia. Here is how it works and what you need.
Read more →What to do if your TFN application is delayed
If your TFN has not arrived after 28 days, here is what to check and how to follow up with the ATO.
Read more →Do you need a new TFN if you return to Australia on a second working holiday visa?
No. Your TFN is permanent and stays with you for life. Here is what you do need to do when you return.
Read more →How to find your TFN if you have lost or forgotten it
Lost your TFN? There are several ways to find it without contacting the ATO. Here is where to look first.
Read more →How to update your address with the ATO in Australia
If you move around Australia, keeping your address up to date with the ATO is important. Your TFN letter and any tax correspondence goes to the address on file.
Read more →What is a TFN reference number and can you work before your TFN arrives?
You applied for your TFN but it has not arrived yet. Here is what a reference number is, how to use it, and what your employer needs to know.
Read more →Can working holiday makers claim the tax-free threshold in Australia?
The tax-free threshold sounds like it would save you money. For working holiday makers, claiming it actually creates a tax debt. Here is why.
Read more →Common questions
Frequently asked questions
Do working holiday makers need a TFN in Australia?+
Yes. Every working holiday maker who earns income in Australia needs a Tax File Number. Without a TFN registered with your employer, they are legally required to withhold tax at the top rate of 45%, instead of the 15% working holiday maker rate.
How long does it take to get a TFN?+
The Australian Taxation Office processes TFN applications within 28 days. Your TFN is sent to your Australian postal address as a letter. Many applicants receive it within two weeks.
Is the TFN application free?+
Yes. Applying for a TFN is free. There is no government fee. The online application takes around 10 minutes.
Can you start working in Australia without a TFN?+
Yes, you can start work without a TFN, but your employer must withhold tax at 45% until you provide one. The excess tax can be claimed back when you lodge your annual tax return.