100 points of ID to open a bank account | Finder

100 points of ID to open a new bank account

Here's how to meet the 100 points of ID requirement when applying for a new bank account in Australia.


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If you're a new customer to any Australian bank or financial institution, you'll have to verify your identity with 100 points of ID. This is required when you open a new bank account, and it can be done online without needing to visit a bank branch.

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 use a series of documents 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 to see 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.

Primary documents: 70 points

  • 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 (must have name and address on it): 35 points

  • 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 (must have name and signature/date of birth): 25 points

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

How to verify your identity

When you've got your documents ready, you can verify your identity online when applying for a new bank account. All you need to do is follow the prompts. If you're using your driver's license, for example, you'll be prompted to enter the license number and you might need to scan an image of the front too.

The good news is you can verify you identity completely online in minutes, no need to visit a bank branch.

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HSBC Everyday Global Account
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HSBC Everyday Global Account

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Compare bank accounts that you can open online

Data updated regularly
Name Product Card access ATM Withdrawal Fee Fee Free Deposit p.m. Monthly Account Fee
HSBC Everyday Global Account
Special offer: $100 cash bonus for new HSBC customers.
Earn 2% cashback on tap and pay purchases (T&C's apply).
Enjoy no minimum ongoing balance or transaction requirements and the flexibility to hold up to 10 currencies. Apple Pay and Google Pay available.

NAB Classic Banking
Enjoy convenient, unlimited access to your money.
$0 monthly account fee.

Tap and pay with your NAB Visa Debit card or your phone using Apple Pay, Google Pay, Samsung Pay or NAB Pay for Android. Temporarily block your card at the touch of a button if you lose it.
Suncorp Everyday Options Account
Link up to 9 interest-earning sub accounts.
$0 monthly account keeping fees.
Earn interest on your linked sub accounts to help you save for individual goals, with no account fees to pay. Make contactless payments using Google Pay and Apple Pay.
CUA Everyday Snap Account
Refund of international ATM withdrawal fees and international card transaction fees (conditions apply). Refund of overdrawn fees.
$0 monthly account fee. Unlimited fee-free everyday transactions.
Apple Pay, Google Pay and Samsung Pay available. Savings Top Up tool automatically transfers to linked savings account.
MyState Bank Glide Account
Simplify your everyday banking with these sleek digital features.
$0 monthly account fee.
Choose the way you pay with access to Google, Samsung and Apple Pay plus Fitbit Pay and Garmin Pay. Send and receive money in less than 60 seconds with PayID.
CUA Everyday Account
Enjoy flexible payment options and access to a wide network of ATMs.
$0 monthly account fee.
Access to Google, Samsung and Apple Pay. Enjoy fee-free cash withdrawals from 10,000+ ATMs across Australia. Deposit $1,000+ into this each month and receive bonus interest on a linked CUA eSaver Reward Account.

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