Does the living cost amount need to be in the bank account for a minimum duration before applying for the visa in Australia/New Zealand?

Yes, for both New Zealand and Australia, you should keep the required living cost amount in your bank account for at least the last three months before applying for a student visa.

- New Zealand: Bank statements for the previous three months are typically required. Consistent balances strengthen your application, and any large or recent deposits should be explained with documents.
- Australia: At least three months of bank statements are needed. Deposits over 20% of the total balance within 90 days may be closely reviewed.

Sudden large deposits can raise concerns, so it's best to maintain the necessary funds steadily for several months before your application.