1. Use a “Zero-Forex” Digital Account (Wise or Revolut)

In 2026, using a traditional home-country bank card in Australia is the most expensive mistake you can make.

  • The Fee: Most home banks charge a 2%–3.5% “Forex Markup” plus a flat ATM fee.
  • The Solution: Open a Wise or Revolut account before you arrive.
    • Wise: Uses the real mid-market exchange rate with a transparent fee (starting at 0.35%).
    • Revolut: Offers fee-free currency exchange on weekdays (up to $2,000/month on the Standard plan).
  • 2026 Tip: You can generate a Digital Card instantly to use with Apple/Google Pay before your physical card even arrives in Melbourne or Sydney.

2. Open a Local “No-Monthly-Fee” Account Immediately

To avoid fees when paying local rent or bills, you need an Australian BSB and Account Number. In 2026, several banks offer specialized student accounts with $0 monthly fees:

  • NAB Classic Banking: No monthly fees and 0% international transaction fees if you use their Platinum Visa Debit card.
  • HSBC Everyday Global: Allows you to hold multiple currencies (e.g., INR, CNY, USD, AUD) in one app and switch between them when the rate is favorable.
  • Commonwealth Bank (Smart Access): Very popular, but ensure you are under 30 or deposit at least $2,000/month to keep it fee-free in 2026.

3. The “Local Currency” Rule (Avoid DCC)

When you use a foreign card at a Sydney or Melbourne cafe, the terminal might ask: “Pay in AUD or [Your Home Currency]?”

  • The Trap: This is called Dynamic Currency Conversion (DCC). If you choose your home currency, the merchant’s bank sets the rate—which is almost always 5%–7% worse than your own bank’s rate.
  • The Rule: Always choose AUD. Let your own bank or digital wallet (like Wise) handle the conversion.

4. Timing Your “Big” Transfers (Tuition Fees)

When transferring large sums for tuition, the 2026 market is volatile.

  • Avoid Weekends: Services like Revolut often add a 1% “Weekend Markup” because the global forex markets are closed. Always perform your conversions between Monday and Friday.
  • Rate Alerts: Use the Wise or XE app to set a “Rate Alert.” If the AUD drops against your home currency, execute your transfer immediately to save hundreds on your tuition bill.

5. 2026 Fee Comparison Table

MethodAvg. Conversion FeeATM FeesBest For…
Home Country Bank3.0% + Markup$5.00+ per useEmergency use only
Wise (Transferwise)0.4% – 0.7%2 free per monthMonthly Allowance
HSBC Global Account0.0% (Inter-account)Free at HSBC ATMsTuition Payments
NAB Platinum Debit0.0%Free at most ATMsDaily Spending

1. The Alternative: International Student Travel Pass

Since you cannot get a standard Health Care Card for transport discounts, you must use the International Student Travel Pass.

  • The Benefit: A 50% discount on an annual, 180-day, or 90-day myki pass. This can save you over $1,000 per year in 2026.
  • Eligibility: You must be an undergraduate international student studying full-time at a participating institution (e.g., UniMelb, Monash, RMIT, Swinburne).
  • How to Apply: 1. Log into your university portal and search for “International Student Travel Pass.”
    2. Request a unique code from your university.
    3. Enter the code on the PTV International Student website to purchase your discounted pass.



2. Using Your OSHC as a “Health Discount Card”

In 2026, your Overseas Student Health Cover (OSHC) card is your primary tool for reducing medical costs.

  • The Benefit: Many GPs (General Practitioners) near campuses offer “Direct Billing.” This means you show your OSHC card and pay $0 for the appointment.
  • Pharmacy Discounts: While a Health Care Card provides $7.70 prescriptions (PBS), your OSHC often covers a portion of prescription costs after you pay a certain threshold.
  • How to Use: Download your provider’s app (Allianz, Bupa, Medibank) to show your digital card at clinics.



3. Student ID Concessions (Retail & Entertainment)

Your University Student ID acts as your “Health Care Card equivalent” for non-government discounts.

  • The Benefit: Show your ID at chemists, cinemas, and clothing stores for 10–15% off.
  • Digital Tools: In 2026, you should link your student status to UNiDAYS or StudentBeans to access these discounts online.



4. 2026 Concession Eligibility Comparison

Benefit TypeHealth Care CardStudent Alternative
Public TransportNot EligibleInternational Student Travel Pass (50% off)
Cheap MedicineNot EligibleOSHC Rebates & Pharmacy Sales
Utility DiscountsNot EligibleEnergy Comparison Tools (Victorian Energy Compare)
GP VisitsNot EligibleDirect Billing (Bulk Billing) via OSHC



5. Exemptions: Who CAN get a Health Care Card?

There are very rare cases where an international student might be eligible in 2026:

  • Special Category Visas: If you are here on a specific humanitarian or protection visa.
  • Partner/Spouse: If you are a dependent on a partner’s visa and they are a Permanent Resident.
  • Scholarships: Certain Australian Government-sponsored students (Australia Awards) have different medical cover arrangements.

1. The Study Melbourne Hub (17 Hardware Lane)

As the flagship support center for all international students in Victoria (not just university students), the Hub at 17 Hardware Lane is the first point of contact for financial “triage” in 2026.

  • What they provide: Emergency material aid, including supermarket vouchers and referrals to the International Student Employment and Accommodation Legal Program (ISEALP).
  • The 2026 Edge: If your financial stress is caused by being underpaid at work or a rental bond dispute, their lawyers provide free, confidential legal advice to help you recover your money.
  • How to access: Open Monday–Friday, 9:00 AM – 5:00 PM. Call 1800 056 449 or drop in for a consultation.

2. University Financial Aid (UniMelb & Monash)

The major universities have expanded their “Hardship Funds” in 2026 to combat rising urban inflation. These are divided into two categories:

  • Interest-Free Loans: Short-term loans (up to $1,000) for immediate cash flow and long-term loans (up to $5,000) for major expenses like laptops or bonds.
  • Non-Repayable Bursaries: Competitive grants like the UniMelb Student Bursary (Round 2 opens May 1, 2026) which provide up to $10,000 that you never have to pay back.
  • How to access: Apply via your student portal (search for “Financial Assessment”). You will typically need 90 days of bank statements to prove your need.

3. Australian Red Cross Emergency Relief

For students who have exhausted their university options or are on temporary visas not covered by other schemes, the Red Cross remains a vital 2026 lifeline.

  • What they provide: A small, one-off emergency payment (usually $200 to $400) to help with basic needs like food, medicine, or avoiding eviction.
  • The Eligibility: Specifically designed for people on temporary visas who have no other access to government support (like Centrelink) and are in extreme vulnerability.
  • How to access: Applications are made online via the Red Cross Australia website. Note that funding is limited and prioritized for those with the least support.

2026 Financial Support Comparison

ServiceBest For…Type of AidRepayment
Study Melbourne HubFood & Legal IssuesVouchers / Legal HelpNone
University AidLaptops & Large BillsLoans / BursariesLoans only
Red CrossExtreme CrisisCash PaymentNone

1. The “High-Interest” Trap (20% vs. 0%)

As of March 2026, most standard credit cards in Australia charge between 18% and 22% p.a. on purchases.

  • The Math: If you buy a $1,200 laptop and only make the minimum monthly repayment, you could end up paying over $500 in interest alone over two years.
  • The Alternative: Major universities like UniMelb, Monash, and Deakin offer Interest-Free Student Loans specifically for technology. You borrow the exact cost of the laptop and pay back $0 in interest.

2. The “Credit Score” Danger for Future Visas

In 2026, Australian credit reporting is more “comprehensive” than ever.

  • The Risk: Missing just one or two credit card payments while stressed during exams will be recorded on your credit file for up to 2 years.
  • The Impact: A poor credit score can lead to rejections when you apply for a car loan, a rental apartment, or even certain professional registrations after you graduate. University loans are “internal” and generally do not impact your public credit score unless you default significantly.

3. Hidden “Surcharges” at the Counter

Most electronics retailers (JB Hi-Fi, Apple, Harvey Norman) and even university bookshops apply a 0.5% to 1.5% surcharge for credit card payments.

  • The 2026 Context: While the RBA is moving to ban these later this year, they are still active today. On a $1,500 MacBook, you are paying an extra $22.50 just for the “privilege” of using your card.
  • The Fix: Using a university grant or an interest-free loan allows you to pay via Direct Transfer (EFT) or Debit, which carries $0 in surcharges.

4. “Buy Now, Pay Later” (BNPL) is Now Regulated

In 2026, services like Afterpay and Zip are regulated under the same laws as credit cards.

  • Stricter Checks: You may be rejected for BNPL if you don’t have a stable Australian income.
  • The Multiplier Effect: Students often juggle 3 or 4 BNPL “orders” at once. If your laptop payment coincides with your rent and a late fee, it can trigger a “spiral” of bank overdraft fees.

5. 2026 Better Alternatives for Laptops

Financing OptionInterest RateBest For
Uni Emergency Loan0%All students (Local & International)
University GrantN/A (Free)Students in documented hardship
NILS (Good Shepherd)0%Low-income students (up to $2,000)
Credit Card18% – 22%Avoid unless paying off in 44 days

1. The “Street Side” Network (24/7 Anonymous Access)

For those who need to bridge the gap between paydays without the stigma of a formal food bank, these street-side pantries are the 2026 gold standard.

  • The Marrickville “Ville” Cupboard (243 Marrickville Rd): A literal wooden cupboard on the street. In March 2026, it is known for daily deliveries of artisan sourdough “seconds” from local Inner West bakeries.
  • The Newtown Blessing Box (King St): Located near the North Newtown primary school, this box is frequently stocked with high-protein staples like peanut butter and canned tuna—perfect for USYD students on a late-night study run.
  • The Ashfield “Open Fridge” (Holden St): One of the few street pantries in 2026 that includes a monitored outdoor fridge for fresh greens and dairy.



2. The “Pay-What-You-Can” Institutions

These locations allow you to “shop” with a basket, providing a more traditional grocery experience at a fraction of the cost.

  • Addi Road Food Pantry (Marrickville & Camperdown): The heavyweight of the 2026 movement. A $5 contribution here typically nets you a bag of groceries that would cost $65 at a major supermarket.
  • St. Merkorious Charity (Western Sydney): Operating out of various community halls, they provide “Hamper Days.” 2026 Hack: They have a specific “Student Hour” on Tuesday afternoons for those with a valid uni ID.



3. How to Map the “Hidden” Pantries in 2026

Because these pantries are often run by volunteers, they don’t always appear on Google Maps. Use these three “insider” tools:

  1. The “Little Free Pantry” Global Map: In 2026, the Australian chapter has added over 40 new Sydney locations in the last six months alone.
  2. The “Ask Izzy” Mobile App: This is the #1 tool used by social workers. Search for “Food” and it will show you every mobile van, pantry, and community lunch currently active in your specific postcode.
  3. Local Facebook “Good Karma” Groups: Search for “Street Pantry [Your Suburb]”. In 2026, residents use these groups to post “Stock Alerts” (e.g., “Just dropped 5kgs of pasta at the Tempe box!”).



4. 2026 “Yellow Sticker” Perimeter Strategy

If your local pantry is empty, use the 2026 “Markdown Window”:

  • Woolworths/Coles (7:30 PM): This is the final markdown before the bin. In 2026, these items are often moved to a specific “Quick Sale” shelf near the front of the store rather than being left in their aisles.
  • IGA Local (Sunday 4:00 PM): Independent grocers are more aggressive with Sunday afternoon markdowns to clear stock for Monday deliveries.

The 2026 “Student-Run” Showdown

FeatureRMIT Realfoods (City & Brunswick)Monash Wholefoods (Clayton)
Primary VibeUrban & Fast: Zero-waste, grab-and-go.Community Hub: Sit-down, lounge style.
Signature Deal$5.00 “Eco-Bowl” (Small).$9.00 “Giant Dahl” (Large).
OwnershipRMIT Student Union (RUSU).Monash Student Association (MSA).
Dietary Focus100% Vegan/Organic options.Vegetarian/Vegan (Kosher/Halal friendly).
2026 Perk50c Discount for your own bowl.Free Tea/Coffee with “KeepCup” usage.



1. RMIT Realfoods: The “Zero-Waste” Urban Hero

Located in the heart of the CBD (Building 8, Level 4), Realfoods is the 2026 leader in sustainable “speed-dining.”

  • The $5.00 Strategy: In 2026, Realfoods maintains a strictly tiered pricing model. A “Small Bowl” of dahl, curry, or seasonal stew is exactly $5.00, making it the cheapest hot lunch in the Melbourne CBD.
  • The “Volunteer” Hack: Unlike commercial cafes, Realfoods is powered by students. If you volunteer for a 2-hour shift, you receive a free meal and a hot drink—a primary survival strategy for RMIT students in rental stress this semester.
  • 2026 Menu Highlight: The “Zero-Waste Pesto Pasta” using rescued greens from local Melbourne markets.



2. Monash Wholefoods: The Clayton Campus Institution

Found on Level 1 of the Campus Centre, Wholefoods is more than a cafe; it is a 2026 sanctuary for Clayton students.

  • The “Value-for-Volume” King: While slightly more expensive than RMIT’s small bowls, a $9.00 plate at Wholefoods is often double the size. It is famous for the “Mountain of Rice” that accompanies every curry.
  • The “Pay-What-You-Can” Days: In 2026, Wholefoods occasionally runs “Community Lunch” pop-ups where students can pay a gold coin for a hot meal, subsidized by the MSA.
  • 2026 Menu Highlight: The “Wholefoods Burger”—a plant-based staple that has remained under $12.00 despite 2026 inflation.



3. The 2026 “After-Hours” Safety Net

  • RMIT City: When Realfoods closes at 3:00 PM, students head to the RUSU Compass office for free “Night Owl” snack packs and pantry staples.
  • Monash Clayton: When Wholefoods winds down, the MSA Breakfast Club (Tuesdays/Thursdays) and the Sir John’s Bar “Student Specials” take over the budget-saving duties.



The Final Verdict: Who Wins?

  • Winner for Price: RMIT Realfoods. You cannot beat a $4.50 hot meal (with the BYO bowl discount) in the middle of the city.
  • Winner for Vibe & Volume:Monash Wholefoods. It is the better spot for long study sessions, offering more space to stay and larger portions to keep you full until dinner.

1. Woolloomooloo: Rev. Bill Crews Food Van

One of the most consistent dinner spots in Sydney. The Bill Crews Foundation runs a dedicated night service 365 days a year.

  • Location: Yurong Parkway, Cnr St. Mary’s Road, Woolloomooloo.
  • Time: 7:30 PM – 8:30 PM Nightly.
  • The Meal: Usually a hearty, chef-prepared hot dish like pasta bake, curry, or stew, served with bread and a beverage.



2. Waterloo: Vinnies Night Van (Central Service)

The St Vincent de Paul Society operates several “Night Vans” that target high-density housing estates where workers and students often live.

  • Location: Waterloo Green Housing Estates.
  • Time: 7:00 PM – 8:00 PM (Monday, Tuesday, Thursday & Sunday).
  • The Meal: Hot snacks, sandwiches, coffee, and often “emergency packs” containing basic pantry items.



3. Glenwood: Gurdwara Sahib (Sikh Temple)

Sikh Gurdwaras are the gold standard for “no-questions-asked” hot meals. In 2026, the Australian Sikh Association at Glenwood is a primary hub.

  • Location: 8 Meurants Lane, Glenwood.
  • Time: Langar (free kitchen) is typically served 7 days a week, with dinner from 6:00 PM – 8:30 PM.
  • Requirement: Everyone is welcome. You must remove your shoes and cover your head (scarves are provided at the entrance).



4. Redfern: The Rev. Bill Crews Weekend Dinner

While most suburban centers close at 4:00 PM, the Bill Crews Foundation maintains a presence in Redfern specifically for the late-week crunch.

  • Location: 4 Kettle Street, Redfern.
  • Time: Friday (6:30 PM – 7:30 PM), Saturday & Sunday (3:00 PM – 4:15 PM).
  • The Meal: Freshly prepared hot meals served in a sit-down or takeaway format depending on the current 2026 health guidelines.



5. Surry Hills: Belvoir Street Food Van

This service is designed to catch commuters and students heading home through Central Station.

  • Location: 35 Belvoir Street, Surry Hills.
  • Time: Wednesday Night (6:30 PM – 7:30 PM).
  • The Meal: Provided by the Bill Crews mobile team, this is often a high-protein dinner designed to sustain people through the mid-week slump.



6. Haymarket: Vinnies Night Van (Belmore Park)

Located just outside Central Station, this is the most accessible dinner spot for students from USYD and UTS.

  • Location: Belmore Park, Haymarket (near the light rail stop).
  • Time: Friday Night (8:10 PM – 9:10 PM).
  • The Benefit: Aside from hot food, this van often carries blankets and toiletries, which are in high demand as Sydney’s temperature drops in late March.



7. Liverpool: Pioneers Memorial Park (West Sydney)

For those living in the Western suburbs, the Vinnies Liverpool service is a lifesaver.

  • Location: Macquarie Street, Liverpool (Pioneers Memorial Park).
  • Time: Tuesday to Saturday (8:30 PM – 9:00 PM).
  • The Meal: Wholesome hot beverages and pre-packed hot meals, ideal for those returning from late shifts or evening lectures.

Note: Please contact the venue to get the updated information for other months.

1. The “Ask Izzy” GPS Hack

In 2026, Ask Izzy remains the most powerful tool for finding immediate food relief.

  • How to use it: Visit the site on your mobile. It uses your current GPS location to filter for “Food” and then “Free Meals.”
  • 2026 Feature: Look for the “Open Now” filter. In March 2026, many suburban kitchens have shifted to evening hours (6:00 PM – 8:00 PM) to accommodate the “working poor” who cannot attend daytime services.



2. The “Community Center” Calendar Trick

Many suburban neighborhood centers host “Community Lunches” once a week. These are often prepared by local volunteers and offer a high-nutrition, multi-course meal.

  • Where to look: Check the physical noticeboard or the “Events” tab on the Facebook page of your local Neighborhood Center or Council Library.
  • The “Secret” Factor: These are often listed as “Social Connection Hubs” rather than “Soup Kitchens” to reduce stigma, but the hot meal is free or “gold coin donation.”



3. Pay-it-Forward & “Suspended” Coffee Cafes

The “Pay-it-Forward” movement has exploded in 2026. Many local cafes allow customers to pre-purchase a meal or coffee for someone in need.

  • How to spot them: Look for a chalkboard with “tallies” or Post-it notes near the register.
  • The Protocol: You simply ask the staff, “Do you have any suspended meals available today?” It is a dignified, community-funded way to get a hot toasted sandwich or a bowl of soup.



4. Vinnies & Salvos “Mobile Vans”

In 2026, the Vinnies Night Van and Salvos Street Outreach have expanded their routes into Western Sydney and Melbourne’s outer-north.

  • The Schedule: These vans don’t have permanent storefronts. They stop at specific suburban train stations or parks for 30-minute windows.
  • Finding the Route: Call the Vinnies Support Line or check their 2026 digital route map. These vans provide more than just soup; they often have hot pies, period products, and blankets.



5. Sikh Gurdwaras: The “Langar” Tradition

One of the most reliable sources of free hot meals in 2026 is the Sikh Gurdwara.

  • The Tradition: “Langar” is a free communal kitchen open to everyone regardless of religion or background.
  • The Menu: Expect a high-quality, hot vegetarian meal (dal, rice, and rotis).
  • The Requirement: You must cover your head (scarves are usually provided) and remove your shoes. Most Gurdwaras in suburban hubs like Blacktown (Sydney) or Craigieburn (Melbourne) serve meals almost all day.

1. The “Take What You Need” Market (OzHarvest)

Located in Waterloo (Sydney), this market operates on a “take what you need, give if you can” philosophy.

  • The Deal: It is a supermarket-style setup with rescued fresh produce and pantry staples.
  • Why it works for workers: There are no formal means tests. It is open Tuesday to Saturday, 10:00 AM – 2:00 PM.
  • 2026 Strategy: Because it’s open on Saturdays, it is a primary resource for those who cannot visit food banks during standard Monday–Friday business hours.



2. The Salvos “Doorways” Program

The Salvation Army’s Doorways model is specifically designed for short-term crises, such as an unexpected bill or a mortgage spike that leaves the fridge empty.

  • The Resource: They provide “Pantry Packs” or supermarket vouchers (Coles/Woolworths) to bridge the gap.
  • Accessing it: You can call the Salvos Assistance Line (13 SALVOS). In 2026, they offer phone assessments so you don’t necessarily have to visit a center during work hours to start the process.



3. Foodbank’s Mobile Pantries (The “Purple Truck”)

In 2026, Foodbank has expanded its mobile services to reach suburban hubs where workers live.

  • The Deal: These mobile units provide low-cost groceries and free fruit/vegetables.
  • The Referral: To shop here, you often need a “referral card” from a partner charity (like a local church or community center).
  • 2026 Hack: Call the Emergency Relief and Food Access Service (1800 979 777) to get a digital referral that you can use at any mobile stop in your region.



4. Anglicare “Food Fair” & Community Pantries

Anglicare operates several Community Pantries across Sydney and the ACT that cater to those on low-to-middle incomes.

  • The System: You pay a small contribution (usually around $10–$12) and receive a bag of groceries worth significantly more (often $60+).
  • Worker Benefit: This is seen as a “subsidized shop” rather than a handout, which many full-time workers find more comfortable to access.



5. Addi Road Food Pantry (Marrickville & Camperdown)

These pantries are staples for the “Inner West” working community.

  • The Hours: Marrickville is open Wednesday until 7:00 PM, making it one of the few places workers can visit after a standard 9-to-5 shift.
  • The Perks: They often provide free bread and fresh produce to everyone who visits, regardless of whether they purchase a full hamper.



6. Uniting Vic.Tas Emergency Relief

For those in Melbourne or Tasmania, Uniting offers a “Material Aid” service that covers more than just food.

  • The Resource: If your salary is being swallowed by rent/mortgage, they can provide immediate food vouchers plus assistance with utility bills.
  • 2026 Update: They have streamlined their intake for people experiencing “sudden hardship,” which includes those who have recently had their working hours reduced.



7. “Ask Izzy” (The Digital Directory)

If you are in a new area or need help after hours, Ask Izzy is the gold-standard 2026 tool for finding food right now.

  • How it works: It’s a mobile-optimized site that uses your GPS to show the nearest community meals, pantries, and vouchers.
  • The Safety Net: It is free to use even if you have no data on your phone (on certain networks), ensuring you can always find a meal in an emergency.

1. The $250 Financial Support Voucher

The university provides $250 vouchers specifically for food and medical essentials. This is available to both domestic and international students currently residing in Australia.

  • Eligibility: You must be currently enrolled, making satisfactory progress (WAM 50+), and able to show “genuine and immediate” difficulty.
  • The Evidence: You need 30 days of PDF bank statements for all accounts (no screenshots).
  • 2026 Quota: Coursework students can apply for up to two vouchers per semester if enrolled in 24 credit points.
  • Processing: Most applications are processed within three weeks, but you should flag it as “emergency” if you have zero funds.



2. USU FoodHub: The “Take What You Need” Market

Located on Level 3 of the Wentworth Building (next to University Health Services), the FoodHub is the most accessible resource for groceries.

  • Hours: Monday – Friday, 10:00 AM – 3:00 PM.
  • The System: You must register for a 15-minute slot via Humanitix. This keeps the process anonymous and avoids long public queues.
  • The Haul: You can pick 5 items for free (rice, pasta, canned goods, etc.).
  • 2026 Bonus: Bring a donation (like a used textbook) to FoodHub+ to get 2 extra items (7 total).



3. SUPRA Pantry (Postgraduates & Research)

If you are a Masters or PhD student, the SUPRA Pantry at Raglan St (Darlington) is specifically designed for your schedule.

  • Hours: Monday – Thursday, 10:00 AM – 4:00 PM.
  • No Booking Required: Unlike FoodHub, you can generally drop in during office hours. It is a “no-questions-asked” zone.
  • 2026 Strategy: SUPRA focuses on “Brain Food”—stocking high-protein lentils, quick oats, and coffee to power through research marathons.



4. Satellite Campus Support

If you aren’t at Camperdown/Darlington this March, use the 2026 satellite network:

  • Camden: Inside the Library (24/7 swipe access).
  • Conservatorium: Student Kitchen, Level 2 (9–11 AM and 2–4 PM).
  • Westmead: Level 6, Block K (Check digital screens for 2026 hours).



5. External Emergency Relief (Visa-Friendly)

If university funds are exhausted, international students in Sydney can access these 2026 external services:

  • Australian Red Cross: Provides a one-off payment of approximately $200 for people on temporary visas who have no other support.
  • Study Melbourne Hub (Hardware Lane): If you are visiting Melbourne or are a cross-institutional student, this is a 24/7 support center for international students.
  • Ask Izzy: A mobile-friendly directory to find the nearest food bank to your current GPS location in Sydney.