Maybe try Windscribe. They don’t have Australian servers… for free, but its actually pretty cheap. (Please don’t use a free VPN for banking stuff… please) If you select the custom plan, you can select Australian servers, and unlimited data if you really care for about $3 a month. As I said, I’m not sure about any other free VPNs you could use.
I use Nord for a lot of things and it is fine. It will not change your Google app store though so if you need Aussie apps on android you need to search for an apk, then see if it will connect with or without vpn (no idea about apple apps).
Try a DNS solution for Aussie TV, has been a lot more successful for me than VPN.
I use TorGuard. Banking worked for me on the default plan, but I can’t say about Kayo. They offer a plan with an undetectable IP (I have this one, but for the UK for BBC). They may offer Australia as an option? There’s a 50% off code floating around as well, but it will set you back about $90 a year with an undetectable IP.
Most paid streaming services will block known vpn’s. It may work on some for a while but it could change anytime.
If you have friends/family in AU the best method is to setup a private VPN device on their home network so it shows up as local. Way more complex to setup though unless they are techy.
The only downside I’ve found is that they don’t unblock streaming services. More importantly they don’t keep any logs or details, whereas other services do. If you are with another service those logs can be requested or leaked.