🇦🇺 Top Investment Options for International Students in Australia 2025

Australia is one of the most popular destinations for international students, offering top-quality education and a multicultural environment.

But studying abroad can also be expensive, which is why smart financial planning is essential. Investing while you study can help you grow your savings and build financial security.

In this guide, we’ll explore the top investment options for international students in Australia in 2025 and how you can make the most of your money during your time Down Under.

Why Should International Students Invest in Australia?

Many international students rely on personal savings, scholarships, or part-time jobs to cover their expenses. Investing can create an extra income stream and help you prepare for life after graduation.

Australia’s strong economy, well-regulated financial markets, and diverse investment options make it an ideal place to start building wealth. Whether you’re looking for low-risk savings accounts or high-growth stocks, there’s something for everyone.

1. High-Interest Savings Accounts

A high-interest savings account is one of the simplest and safest ways to grow your money. These accounts offer competitive interest rates and easy access to funds whenever you need them.

They’re perfect for students who want to keep their money safe while earning steady returns. Banks like Commonwealth Bank and ANZ offer savings accounts with attractive interest rates and flexible features.

2. Fixed-Term Deposits

If you have some savings that you won’t need for a while, a fixed-term deposit could be a great option. These accounts let you lock in your money at a higher interest rate for a specific period, such as six months or a year.

You’ll earn guaranteed returns without worrying about market fluctuations. Check out rates offered by Westpac and NAB to get started.

3. Stock Market Investments

The Australian Securities Exchange (ASX) gives international students a chance to invest in stocks and potentially earn higher returns. While it comes with some risks, investing in shares can help you build wealth over the long term.

Online platforms like CommSec and SelfWealth make it easy to start trading, even if you’re new to the stock market. For beginners, Exchange-Traded Funds (ETFs) are a great way to diversify investments and reduce risk.

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4. Real Estate Investment Trusts (REITs)

Interested in real estate but don’t have the capital to buy property? Real Estate Investment Trusts (REITs) allow you to invest in property markets without actually owning physical property.

REITs provide passive income through dividends and are a great way to gain exposure to the real estate sector. Platforms like Vanguard Australia offer several REIT options that are beginner-friendly.

5. Peer-to-Peer Lending Platforms

If you’re looking for higher returns, peer-to-peer (P2P) lending might be worth exploring. These platforms connect borrowers with investors, allowing you to earn interest on loans.

Popular platforms like Plenti and RateSetter make it easy to start investing. Just be sure to spread your money across multiple loans to minimize risk.

6. Cryptocurrency Investments

Cryptocurrency has gained a lot of attention as a high-risk, high-reward investment option. International students can invest in popular cryptocurrencies like Bitcoin and Ethereum through secure platforms.

Apps like Binance Australia and CoinSpot provide easy access to digital currencies. However, because crypto markets can be volatile, it’s important to invest only what you’re prepared to lose.

7. Micro-Investing Apps

Micro-investing is perfect for students who may not have a lot of money to start with. Apps like Raiz and Spaceship Voyager allow you to invest small amounts by rounding up your everyday purchases.

It’s a stress-free way to build wealth over time, especially if you’re just starting out with investing.

FAQs About Investing as an International Student in Australia

Can international students open investment accounts in Australia?
Yes, international students can open investment accounts in Australia as long as they have a local bank account and a Tax File Number (TFN).

Is it legal for international students to invest in stocks in Australia?
Absolutely. International students can trade stocks through licensed brokers and online platforms.

Do international students have to pay taxes on investment income?
Yes, you’ll need to declare any income earned from investments. It’s a good idea to consult a tax advisor to make sure you’re meeting all legal requirements.

How much money do I need to start investing?
Micro-investing apps let you start with as little as $5, but for other options like stocks or term deposits, you may need a few hundred dollars to get started.

What’s the safest investment for international students?
High-interest savings accounts and fixed-term deposits are the safest options. They offer guaranteed returns without the risks of the stock market.

Final Thoughts

Making smart investment choices while studying in Australia can set you up for long-term financial success. Whether you’re looking for low-risk savings options, higher returns from stocks, or experimenting with cryptocurrencies, there’s no shortage of opportunities to grow your wealth.

Start your journey today by exploring platforms like CommSec, Raiz, and Binance Australia. With the right strategies, you can secure your financial future while focusing on your education.