If you’re preparing to apply for the Skilled Nominated (Subclass 190) Visa, you’ve probably realised that understanding the 190 visa fee is more than just ticking off a requirement on your checklist. It’s a major part of planning your migration journey, and knowing exactly what you’ll be paying for can make the entire process far less stressful. Many applicants are surprised to learn that the cost goes well beyond the base application charge, and that several additional fees can quietly add up depending on your situation.
Before you begin gathering documents, drafting statements, or speaking with a migration law firm in Sydney such as Unique Migration Services, it’s worth breaking down all the expenses involved so you can budget with confidence.
Understanding How the 190 Visa Fee Works
At its core, the 190 visa fee is paid directly to Australia’s Department of Home Affairs when you submit your application. As of 2025, the base application charge for the primary applicant sits at around AUD 4,640. But this is only the starting point.
If you’re including family members, expect the total to rise accordingly. For example, a secondary applicant over the age of 18 usually attracts an additional AUD 2,320, while a dependent child under 18 adds around AUD 1,160. The final amount depends on your household structure, and if you have several dependents, the numbers can escalate quickly.
Another point people often overlook is that government fees can change without warning. The Department reviews costs periodically, so it’s always smart to check the latest information or consult migration professionals before lodging anything. A small update in policy can affect your total considerably.
Beyond the Base Fee: Hidden Costs You Should Prepare For
While the base charge forms the biggest chunk of the total expense, you’ll encounter several other necessary costs along the way. These aren’t optional — they’re part of ensuring that your application meets all legal and health requirements.
One of the first expenses people run into is English language testing. Most applicants need to complete an IELTS, PTE, or TOEFL exam, and the fees vary depending on the provider. On average, you can expect to pay somewhere between AUD 250 and AUD 400 per test. If you need to retake the exam for a higher score, costs can increase rapidly.
Medical examinations are another requirement. These health checks are standard for permanent visa applications, and the cost generally falls between AUD 300 and AUD 500 per person. The price depends on the clinic and your location. Police clearances are also mandatory and, depending on your country’s fees, can range from AUD 50 to AUD 200.
Some applicants are also asked to provide biometrics. This step doesn’t apply to everyone, but for those who are required to complete it, the fee varies by region. Preparing for these additional expenses from the outset helps prevent unwelcome surprises later.
When and How You’ll Pay the Visa Fee
Paying the 190 visa fee is fairly straightforward. The entire transaction is completed digitally through the Department of Home Affairs’ ImmiAccount portal. Accepted payment methods include credit card, BPAY for Australian residents, and even PayPal.
One thing to keep in mind if you’re applying outside Australia is that your payment will automatically be processed in Australian dollars. This means that exchange rates and currency conversion fees from your bank might slightly increase the total amount debited. Ensuring you have sufficient funds available at the time of payment is important because the Department won’t begin assessing your application until the transaction is successfully completed.
What You Should Know About the Second Instalment Fee
While many applicants focus on the primary fee, the Second Instalment Fee can sometimes come as a surprise. This additional charge applies only to applicants aged 18 or over who do not meet the requirement for functional English.
The current Second Instalment Fee is AUD 4,890 per person — a significant amount that can drastically affect your overall budget if multiple adults are included in the application and require this payment. The Department only charges this fee at the final stage of the process, typically right before the visa is granted.
For applicants hoping to avoid this extra cost, investing time and effort in improving English proficiency beforehand can make a big difference. Even a single test result that meets the necessary level can save thousands.
Are Refunds Possible? Understanding Fee Exemptions and Limitations
It’s important to approach the 190 visa application with the understanding that most fees are non-refundable. Even if your application is withdrawn, refused, or delayed indefinitely, refunds are rarely granted. There are exceptions, but they’re quite limited. For example, if you accidentally overpaid or your application was deemed invalid from the start, you may be eligible for a partial refund.
As for fee exemptions, these are uncommon. Occasionally, special government programs or international agreements may waive certain costs, but eligibility is narrow. You’ll need to check the Department’s latest guidelines or seek advice from an experienced migration agent to determine whether you qualify.
Planning for Life in Australia: Why Cost of Living Matters
While the 190 visa fee is the primary financial focus during the application process, your budget should also include the initial cost of starting a new life in Australia. Many applicants overlook this essential step.
Cities like Sydney and Melbourne are beautiful but undeniably expensive. Rent, transportation, food, and everyday essentials can add up quickly, especially in your first few months when you’re still settling in. Regional areas may offer more affordable living, but job opportunities differ by location.
Preparing a realistic settlement budget — and having accessible savings — not only makes your move smoother but also demonstrates financial stability, something that can strengthen your case during the visa assessment process.
Is the 190 Visa Worth the Cost?
Every major life decision comes with a price, and the 190 visa is no different. But what you’re really investing in is long-term stability. This visa gives you the chance to build a life in a country known for its safety, career opportunities, and high quality of life. Permanent residency opens the door to healthcare benefits, education pathways, and eventually, the option to apply for citizenship.
Yes, the costs can feel overwhelming at first. But for many people, the reward far outweighs the financial commitment. And by planning your expenses early and working closely with professionals, the entire process becomes significantly more manageable.
Ready to Move Forward? Get Expert Help With Your 190 Visa Application
If you’re feeling unsure about the fees or the application requirements, you’re not alone. Many applicants find the visa process confusing, especially when dealing with changing policies, fluctuating charges, and strict documentation rules. The good news is that you don’t have to navigate any of it by yourself.
Experienced advisers from a migration law firm in Sydney such as Unique Migration Services can help you understand your eligibility, prepare your documents, and keep your costs organised from start to finish. Their team of skilled migration professionals is committed to making the entire journey smoother and more predictable.
When you’re investing in your future, having the right people in your corner truly makes a difference. If you’re ready to take the next step toward calling Australia home, now is the perfect time to reach out and begin your application with confidence.
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