Hanho Money
Following the money between Korea and Australia.
한국과 호주 사이, 돈의 길을 안내합니다.
Wealth, tax, investing, and retirement — from 20 years in accounting and 10 building fintech.
Start here · the basics
Foundations
Money between Korea and Australia: where to start — the whole map
Money between Korea and Australia breaks into four flows — remittance & FX, investing & assets, tax, and superannuation. What matters most isn't how much you have, but which direction you're moving. This is the whole map, and the entry point to every topic.
Am I an Australian tax resident? — Korea, Australia, and when residency changes
Tax residency is decided by where you actually live, not your visa. Australia and Korea each have different tests, and if both treat you as a resident, Article 4 of the Korea–Australia tax treaty breaks the tie. CGT, dividend tax, super, reverse migration — every tax question starts with 'which country am I a resident of right now?'
Korea and Australia — taxed twice on the same income? The treaty and double tax
Korea and Australia have a tax treaty that stops the same income being taxed twice. The key is three things — your tax residency, the type of income, and the foreign tax credit. It isn't automatic, though: in most cases you report in both countries and the credit adjusts for it.
AUD–KRW: what's the real rate when you transfer money? — mid-market vs applied rate
The AUD/KRW rate in the news (the mid-market rate) isn't what you get when you transfer. Your real cost is set by three things — the mid-market rate, the spread, and fees. Understanding the cost structure and splitting transfers beats trying to time the rate — and the bigger the sum, the more a 1–2% gap matters.
Situation guides · 상황별 지도
Which way are you going?
Latest
- The exchange rate to watch isn't USD/KRW — reading AUD/KRW, the rate that touches your money
USD/KRW matters as a read on the Korean economy and the US dollar. But for someone earning in Australia and sending money to Korea — or valuing Korean assets in Australian terms — the rate that finally gets multiplied is AUD/KRW. This piece isn't about forecasting the rate; it's about choosing the right rate to watch.
- Buying an Australian home with Korean money — a 'double discount'? Start with the net entry price
Falling Australian prices plus a weaker Australian dollar can lower the won-based purchase price twice over. But buying with Korean money isn't the same as buying as a foreign person — and as a foreign person, everything from which homes you can buy to FIRB and state surcharges becomes a barrier. What matters isn't the 'discount rate' but the net entry price after every cost.
- Selling your Australian home to move back to Korea — read three price tags at once
Even a good sale in Australia can come undone at the conversion and Korean-purchase stages. Reverse migration is one transaction that crosses three different markets. Don't read house prices, the exchange rate, and lending rules separately — calculate them together, in order and by cash flow.
- Is Australia Really About to Be Flooded With Used EVs? — The Truth Behind a Tax-Made Wave
The used-EV wave is driven partly by the FBT exemption and novated leases of a few years ago. But ex-lease cars don't all hit the market at once — supply spreads out over years. Average battery State of Health is high, but the car you buy isn't the average — a per-vehicle test and remaining warranty are what matter. Early in settling, a home you can actually charge at and your first-12-months cash flow come before the sticker price.
- Korea's Won Internationalisation Roadmap 2026 — Big Headline, But When Does It Reach My Transfers?
Won internationalisation is a long-term roadmap to let the won be held, settled and traded more freely offshore. But it doesn't mean a Korean-Australian's transfer fees drop tomorrow, or that you can open a won account at an Australian bank right now. The point is to watch who it applies to, when, and through which infrastructure.
- What Share of Your Pay Goes to Rent? — Australia's Rent Stress in 2026
In 2026, Australia's rent burden is less about 'it's expensive' and more about the ratio to income. On Cotality figures, households spend about 33% of income on rent, and the national median is around $705/week. For migrants, what matters isn't the national average — it's your own rent-to-take-home ratio.