Finder makes money from featured partners, but editorial opinions are our own.

100 points of ID to open a bank account

You can meet the 100 points of ID requirement when opening a bank account by showing your passport, birth certificate or driver's license. If you don't have these, there are a few other things you can use as ID.

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.feed

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 license issued by an Australian State or territory
  • Road and Maritime Services photo card
  • License 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 license
  • 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.

If you can't verify your identity online

If you're unable to provide the ID required to open a bank account online, you'll need to visit a bank branch to do it in person. An employee at the branch will be able to help you source the ID required, or give you advice on where to go to get this done.

If you're unable to visit a bank branch, we suggest you try visit a Centrelink office or a Services Australia office instead.

Promoted
Bank account offer
ING Orange Everyday Account
Promoted
$0
monthly fee
$0
ATM withdrawal fee
  • Apple Pay, Google Pay
  • Monthly fees: $0

ING Orange Everyday Account

Finder survey: How do Australians of different ages prefer to open a bank account?

Response75+ yrs65-74 yrs55-64 yrs45-54 yrs35-44 yrs25-34 yrs18-24 yrs
In-branch75%64.63%50%33.92%27.47%26.11%39.56%
Online21.43%27.44%46.88%56.14%63.74%60%46.15%
Over the phone1.79%1.83%2.5%3.51%1.1%3.33%2.2%
Through an app1.79%5.49%0.63%5.85%7.14%10.56%12.09%
Other0.61%0.58%0.55%
Source: Finder survey by Pure Profile of 1004 Australians, December 2023

Compare bank accounts that you can open online

1 - 8 of 219
Name Monthly fee Govt. Guarantee Own network ATM fee Card type
ING Orange Everyday Account
Apple Pay Google Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Go to siteMore Info
1% cashback on utility bills (T&Cs apply)
HSBC Everyday Global Account
Finder AwardApple Pay Google Pay10 Currencies
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Go to siteMore Info
Earn 2% cashback on tap and pay purchases.


Suncorp Everyday Options Account
Apple Pay Google Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Go to siteMore Info
MyState Bank Glide Account
Apple Pay Google Pay Samsung Pay Fitbit Pay Garmin Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Go to siteMore Info
St.George Complete Freedom Account
Apple Pay Google Pay Samsung Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Go to siteMore Info
Get up to 4 $10 cashbacks when you spend $40 at Woolworths on your Visa Debit Card.
Westpac Choice
Apple Pay Google Pay Samsung Pay Fitbit Pay Garmin Pay Digital Card
Monthly fee
$5
Government Guarantee
Own network ATM fee
$0
Card type
Mastercard
Go to siteMore Info
Eligible cardholders can get discounts when shopping at partner brands.

Revolut Account
Apple Pay Google Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa and Mastercard
Go to siteMore Info
Up Everyday Account
Apple Pay Google Pay Samsung Pay Fitbit Pay Garmin Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Mastercard
Go to siteMore Info
loading
Showing 8 of 8 results

More guides on Finder

Ask a Question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au 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 1. Terms Of Service and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

6 Responses

    Default Gravatar
    GurinderJune 12, 2023

    Can i apply for Australian bank account before received my Immigration Visa?

      AvatarFinder
      AlisonJune 22, 2023Finder

      Hi, to open an Australian bank account you will need to have an Australian residential address.
      Thanks,
      Alison

    Default Gravatar
    carmelMay 25, 2023

    I have a bank account buy only in my name now I find that my wife needs to be on the account but after 46 yrs she has never driven nor travelled overseas so now she has trouble getting the required 100 points her passport has expired in 1972 in her maiden name she is on aged pension so had centrlink card medicare card but we don’t own property and she hasn’t worked for 35yrs

      AvatarFinder
      AlisonJune 8, 2023Finder

      Hi, other forms of ID may include a government health or pension card plus a Medicare card. We’d suggest speaking to your bank about how you can verify her identity to be added to the account – you may need to do this in person at a brank branch.

    Default Gravatar
    DENNISApril 12, 2022

    how can the bank ID me online and be sure I am who I say I am?

      AvatarFinder
      AlisonApril 23, 2022Finder

      Hi Dennis,

      Each bank’s online verification process could slightly vary, but as part of the Anti-Money Laundering and CounterTerrorism Financing Act (2006), applicants are required to present valid documentation to meet the 100-point identification requirements.

      To complete a 100 Point Identification Check, you need to present current, original identification documents that add up to at least 100 Points. You may also be asked to scan an image of the ID. The bank will review the details in your application to see if it matches the details you provided during your online ID check.

      I hope this helps!

      Best,
      Alison

Go to site