100 points id check

How to verify your identity in Australia to open a new savings account

Information verified correct on October 28th, 2016

Australian banks use the "100 point system" to confirm your identity. Your cheat sheet below.

If you're a new customer to any of Australia's financial institutions, you'll have to visit a branch or Bank@Post location with 100 points of ID. Until the bank has verified your ID, you can't take money out of the account, although you can make deposits.

What is the 100 point system?

This is a personal identification system put in place by the Australian government to combat financial transaction fraud by people and companies. It ensures that only you can access your own accounts.

You are required to bring a series of documents with you when verifying your identity. Primary documents are worth 70 points and secondary documents can be worth: 40, 35 and 25 points. Take a look at the table below for a closer examination of the documents needed and how many points they earn you.

Primary documents are the document only and secondary documents must have a photograph and name.

Document typePoints valueDocument details
Primary (document only)70 pointsOnly one can be used:

  • Birth certificate
  • Birth card issued by NSW Registry of Births
  • Citizenship certificate
  • Current passport
  • Expired passport which has not been cancelled and was current within the preceding two years
  • Other document of identity having the same characteristics as a passport including diplomatic documents
Secondary (photograph and name)40 points
  • Driver licence issued by an Australian State or territory
  • Road and Maritime Services photo card
  • Licence or permit issued under a law of the Commonwealth, a State or Territory government
  • Identification card issued to a public employee
  • Identification card issued by the Commonwealth
  • An identification card issued to a student at a tertiary education institution
Secondary (photograph and name)35 pointsMust have name and address on it:

  • A document held by a cash dealer giving security over your property
  • Council rates notice
  • Land Titles Office record
  • Document from your current employer or previous employer within the last two years
  • A mortgage or other instrument of security held by a financial body
Secondary (photograph and name)25 pointsMust have name and signature on:

  • Marriage certificate (for maiden name only)
  • Credit card
  • Foreign driver licence
  • Medicare card
  • EFTPOS card

Must have name and date of birth on:

  • Record of primary, secondary or tertiary education institution attended by you within the last 10 years
  • Record of professional or trade association of which you are a member

Roger needs to verify his identity


Roger has just opened his new Citibank Plus everyday account to take with him when he travels to Europe next month. He's never banked with Citibank before, so he's a new customer. Citibank sends him a letter stating that he'll need to complete a 100 point ID check at his local Citibank or Bank@Post location.

Luckily for Roger, he works in Sydney CBD so visits a Citibank branch in his lunch break. He brings his Birth Certificate (70 points) with him and uses the Driver's Licence (40 points) in his wallet. In total, he has 110 points of ID which is more than enough for his check.

The Citibank representative check and approves his ID – allowing him to access his Citibank Plus everyday account.

Some handy tips to know

  • Banking hours. Branches are usually open between 9:30am and 4pm from Monday to Thursday. Some banks will stay open until 5pm on Fridays. In the city, you may find some branches open on Saturday morning.
  • Put all important paperwork in a travel file, including your birth certificate and driver’s licence and any other legal documents you need for travelling.
  • Finalise and close any utility accounts such as power, gas, Internet and phone.
  • Bring your superannuation or pension documents and ensure you have the up-to-date statements showing balances and check to see if you can transfer it to Australia.

Shirley Liu

Shirley is finder.com.au's publisher for banking and investments. She is currently studying a Masters in Commerce (Finance) and is the author of hundreds of articles. She is passionate about helping Aussies make an informed decision, save money and find the best deal for their needs.

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