The Aquarium lives up to its name by delivering unusually clear water and a reliable parade of marine life at beginner-friendly depths of 2 to 18 metres. Visibility regularly reaches 40 metres, which means you can spot fiddler rays and Port Jackson sharks resting on the sand well before you reach them. Australian and New Zealand fur seals are frequent visitors, often curious enough to circle you on the reef. Blue groper, nudibranchs, and turtles round out the regular cast. Be aware that currents can run strong at times, and some surge is normal, so stick close to your guide and descend when conditions allow.

The Seals is Montague Island's signature experience — a shallow, sheltered dive site where Australian and New Zealand fur seals interact directly with divers. The seals here are famously curious and playful, often described as "puppy mermaids" for the way they mimic divers' movements, performing barrel rolls and somersaults at arm's length. Depths run from 2 to 15 metres, making this accessible to newer divers, with visibility frequently reaching 10 to 40 metres. The mild current keeps things manageable. Beyond the seals, Port Jackson sharks, wobbegong sharks, blue groper, moray eels, and cuttlefish share the reef. Peak seal numbers (sometimes over 1,000) occur in spring and early summer, with pups most active December to May.

Big Seal is defined by its resident Australian and New Zealand fur seals, which turn this New South Wales pinnacle into one of the more animated dives on the coast. The site drops from 5 metres down to 40 metres, putting it firmly in deep diving territory, with visibility ranging from 10 to 40 metres depending on conditions. Current runs variable, so check before you descend. Grey nurse sharks and wobbegong sharks patrol the structure alongside Port Jackson sharks, while blue groper, kingfish, and the occasional dolphin or sea turtle pass through. Nudibranchs reward anyone who slows down and looks closely at the reef.

Narooma Wharf is a shore entry site where the current does most of the work for you, making it a straightforward drift dive in easy shallow waters down to 8 metres. Visibility here regularly reaches 10 to 30 metres, which is excellent for beginners still getting comfortable reading their surroundings underwater. You can expect to encounter various reef species along the way. The strong current is both the main attraction and the main challenge, so stick close to the wharf structure and plan your entry and exit points carefully before you get in. January and February are the best months to visit.

Bar Beach South is a gentle shore entry site well suited to new divers and snorkellers. The seagrass beds here are worth taking your time over, as they provide ideal habitat for seahorses and juvenile fish going about their daily business. Visibility can reach up to 25 metres on a good day, which makes spotting the smaller creatures much easier. Squid and jellyfish also move through the area regularly. Currents are mild, and the calm, shallow conditions mean you can focus on looking rather than managing your buoyancy. Watch for boat traffic near the entry and exit point.

Mystery Bay Rock Pool is a sheltered shore entry site ideal for beginners and snorkellers exploring the New South Wales coast. The shallow, calm waters make it a forgiving environment to build confidence underwater. Visibility varies depending on conditions, so calmer days reward you with clearer water. Look out for red morwong, luderick, and bream moving through the reef, along with gropers, rays, and starfish resting on the bottom. Sea anemones, sponges, shellfish, and tube worms add texture to the rocky reef structure. Be aware that a rip current can develop in the area, so always check conditions before entering.

Mystery Bay is a shore entry reef dive in New South Wales that suits beginners well, with depths running from 8 to 15 metres and visibility that can reach 30 metres on a good day. The reef hosts a variety of local species, so take your time and look carefully around the coral structures. Be aware that currents here are moderate, so pick a calm day and plan your entry and exit before you get in the water. Watch where you put your hands and fins, as the coral is sharp and easily damaged.

Potato Point is a shallow reef accessible from both shore and boat, sitting at a consistent 10 metres with visibility ranging from 10 to 30 metres depending on conditions. The reef attracts a solid mix of temperate species worth seeking out: wobbegongs and Port Jackson sharks rest on the bottom, while stingrays move across sandy patches and kingfish and salmon patrol the water column. Look closely at the reef structure for sea squirts clinging to the rock. A moderate current runs through the site, which can push you along nicely but demands attention, particularly given the rip currents and breaking waves during entry and exit. Watch where you put your hands and knees around the sea urchins.