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

Australian banks use the "100 point system" to confirm your identity. Your cheat sheet is 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 type Points value Document details
Primary (document only) 70 points Only 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 points Must 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 points Must 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 branch or his local Bank@Post office.

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.

You may also be interested in

CUA Everyday Snap Account Review

CUA Everyday Snap Account Review

A bank account with no account-keeping fee and a suite of premium digital features, like mobile payments solutions to suit any OS, plus a Savings Top Up feature. Receive rebates on overseas and overdrawn fees when you meet certain deposit and transaction conditions. Read more…

Was this content helpful to you? No  Yes

Related Posts

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Ask a question
Go to site