Check bank account balance

How do I check my bank account balance?

Are you performing regular checks and balances of your Australian banking accounts?

With ATM access, EFTPOS purchasing and online shopping done through your bank account, it can be easy to lose track of all that you have spent in a day, let alone a month. In order to avoid overdrawing your account or denials at the check-out, you can regularly check your bank account balance.

Bank Account Offer

HSBC Everyday Global Account

Bank Account Offer

No foreign ATM or transaction fees. $0 monthly account fee. Enjoy no minimum ongoing balance or transaction requirements and the flexibility to hold up to 10 currencies. Apple Pay and Google Pay available.

  • Account keeping fee: $0.00
  • Linked debit card: Visa
  • ATM withdrawal fee: $0.00
  • Overseas EFTPOS fee: $0.00
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Compare bank accounts below

Rates last updated February 23rd, 2019
$
Name Product Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Monthly Account Fee Product Description
HSBC Everyday Global Account
Visa
$0
$0
No foreign ATM or transaction fees.
$0 monthly account fee.
Enjoy no minimum ongoing balance or transaction requirements and the flexibility to hold up to 10 currencies. Apple Pay and Google Pay available.
UBank USaver Ultra Transaction Account
Visa
$0
$0
Earn up to 2.87% p.a. interest on your linked savings account. No foreign ATM or transaction fees.
$0 monthly account fee.
You must open the UBank USaver savings account in order to get this account. Enjoy access to ATMs in Australia and overseas for free and a 0% foreign transaction fee for online purchases. Manage your spending with a built-in sweep facility that automatically moves money between your linked accounts based on the limits you set.
NAB Classic Banking
Visa
$0
$0
Enjoy convenient, unlimited access to your money.
$0 monthly account fee.
Tap and pay with your NAB Visa Debit card, NAB Pay for Android or NAB PayTag for iPhone. Temporarily block your card at the touch of a button if you lose it.
ING Orange Everyday Account
Visa
$0
$0
No fees for any ATM in Australia or overseas.
$0 monthly account fees.
Enjoy $0 ATM withdrawal fees when you deposit $1000 and make 5+ card purchases per month. Get a competitive ongoing variable rate when linked with the ING Savings Maximiser.
Citi Global Currency Account
Mastercard
$0
$0
Hold up to 10 currencies.
$0 monthly account fee.
Enjoy one linked debit card to hold up to 10 currencies and receive foreign currencies for free. Earn up to 2.25% p.a. interest on your AUD balance.
CUA Everyday Account
Visa
$0
$0
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.
NAB Classic Banking with Platinum Visa Debit Card
Visa
$0
$0
$10 cashback on contactless purchases, $0 foreign transaction fee and complimentary travel insurance.
$10 monthly account fee.
Receive $10 cashback when you spend $1000 on contactless purchases. Complimentary travel insurance, transport accident insurance, purchase protection insurance and more when you meet eligibility criteria.
AMP Bett3r Account
Visa
$0
$2,000
Earn 1.50% interest. Manage your budget effectively with a bundle of accounts.
$5 waivable monthly account fee.
Earn 1.50% interest on your balance. Monthly account fee waived if you deposit at least $2,000 a month from a source that is not another AMP bank account. Reach your savings goals with a bundle of linked Pay, Spend and Save accounts.
MyState Bank Glide Account
Visa
$0
$0
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.

Compare up to 4 providers

Rates last updated February 23rd, 2019
$
$
months
Name Product Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit Interest Earned Product Description
RaboDirect High Interest Savings Account
3.05%
1.80%
1.25%
$0
$0 / $0
Maximum variable rate of 3.05% p.a. for 4 months, reverting to a rate of 1.80% p.a. No deposit or withdrawal conditions. Available on balances below $250,000
HSBC Serious Saver
3.10%
1.40%
1.70%
$0
$0 / $0
Receive a maximum variable rate of 3.10% p.a. for 4 months, reverting to an ongoing rate of 1.40% p.a. for each month you don't make any withdrawals from the account. Available on balances below $1,000,000.
AMP Saver Account
2.55%
2.10%
0.45%
$0
$0 / $0
Introductory rate of 2.55% p.a. for 4 months, reverting to a rate of 2.10% p.a. Available on balances below $5,000,000.
AMP SuperEdge Saver Account
2.05%
2.05%
0.00%
$0
$0 / $0
Earn an ongoing, variable 2.05% p.a. when you link your AMP SuperEdge Saver Account to an AMP SuperEdge Cash Account or transaction account for your SMSF at another bank. Available on the entire balance.
HSBC Flexi Saver Account
2.50%
1.25%
1.25%
$0
$0 / $0
Ongoing, variable 2.50% p.a. when you grow your balance by $300+ per month. Earn bonus interest even if you make withdrawals during the month. Available on balances up to $5,000,000.
AMP Bett3r Account
2.25%
1.50%
0.75%
$5
$0 / $0
With AMP's bundled Bett3r account, get three linked Pay, Spend and Save accounts. Earn a competitive, ongoing rate of up to 2.25% on your Save account balance when you deposit $2,000 into the Pay account each month from a source that is not another AMP Bank account.

Please note: The 2.25% maximum variable rate is earned only on your Save account balance. To calculate interest earned, enter your initial and monthly deposit amounts for the Save account only, not including any money that’ll be in your Spend or Pay account.

Compare up to 4 providers

Rates last updated February 23rd, 2019
$
Name Product 3 Mths p.a. 4 Mths p.a. 6 Mths p.a. 12 Mths p.a. 24 Mths p.a. 36 Mths p.a. Min Deposit Interest Earned
UBank Term Deposit Account
2.70%
2.70%
2.75%
2.75%
-
-
$1,000
AMP Term Deposit $100,000+
2.65%
2.65%
2.80%
2.75%
2.75%
2.75%
$100,000
AMP Term Deposit $25,000+
2.65%
2.65%
2.80%
2.75%
2.75%
2.75%
$25,000
AMP Term Deposit $5000+
2.45%
2.45%
2.60%
2.55%
2.55%
2.55%
$5,000
RACQ Bank Term Deposit
2.35%
2.35%
2.60%
2.70%
2.80%
3.00%
$1,000
MyState Bank Online Term Deposit
2.60%
2.60%
2.76%
2.75%
2.80%
-
$5,000
Firstmac Term Deposit
2.55%
-
2.75%
2.65%
2.75%
-
$5,000

Compare up to 4 providers

Rates last updated February 23rd, 2019
$
$
months
Name Product Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit Interest Earned Product Description
RaboDirect Notice Saver (31 days)
2.50%
2.50%
0.00%
$0
$0 / $0
Ongoing, variable 2.50% p.a. when you link to RaboDirect HISA account and give 31 days notice to access funds. Available on balances up to $250,000
RaboDirect Notice Saver (60 days)
2.55%
2.55%
0.00%
$0
$0 / $0
Ongoing, variable 2.55% p.a. when you link to RaboDirect HISA account. Available on balances up to $250,000
RaboDirect Notice Saver (90 days)
2.70%
2.70%
0.00%
$0
$0 / $0
Ongoing, variable 2.70% p.a. when you link to RaboDirect HISA account and give 90 days notice to access funds. Available on balances up to $250,000
AMP Notice Account
2.30%
2.30%
0.00%
$0
$0 / $0
Ongoing, variable 2.30% p.a. when you link to a AMP Bank Deposit Account. Available on balances up to $10,000,000.

Compare up to 4 providers

How can I check my balance?

It used to be that you would have to either visit your local branch, give them a call, or wait for your monthly statement in the mail to check the balance of your savings and transactions accounts. Yet with today’s modern technology, you are now able to check your balance in an instant, using a number of tools including:

How can I check my balance using internet banking?

Internet, or online, banking allows you to see your most recent account activity from your personal computer or tablet 24/7, anytime with any eligible device. These are secure sites where you will need a username and password to view your personal accounts and check on your balance. Security is of primary concern with this type of feature, and should prompt you to ask about the measures your bank takes to guarantee yours before logging in.

What is nice about checking your balance with internet banking is that you can sometimes see your recent transactions. This way, if you feel like your account balance is not correct, you can peruse the purchases and withdrawals recently made to ensure that no errors have been made.

How can I check my balance using phone banking?

Phone banking provides a convenient method of checking on your bank account balance. In most cases you will only need to dial the number provided, enter your pin code when prompted, and then follow the subsequent prompts to hear your most current balance read back to you. When using this option it is a good idea to have a pen and paper handy in order to jot down the balance response as soon as it is given to you.

How can I check my balance using an ATM?

When you open an account with an Australian financial institution you are provided with an ATM access card for your day to day account. With this card you are able to make withdrawals and purchases using the cash inside of the account and check on your balance and recent transactions.

You may have to check which ATMs are supported by your specific bank in order to avoid being charged a fee for this transaction, but you should be able to check your account balance from the same ATM where you withdraw cash from. Knowing which ATMs are in your bank’s network will help to ensure that you do not have to pay for balance enquiries when using an ATM.

How can I check my balance using my mobile app?

Australian financial institutions who have implemented an online banking system may also offer customers a mobile app for their mobile devices. These apps are usually free and give you a similar online banking experience as your internet banking platform.

This includes being able to see your recent account balances, including your savings, term deposits and transaction account balances from your mobile phone. There are even some banks where you can send up mobile alerts to your phone if the balance of one of your accounts falls below a specified amount, or when a deposit or debit has cleared.

Through advances in technology, you can now use your fingerprint to log into some mobile apps.

Shirley Liu

Shirley Liu is a program manager at finder, formerly the publisher for Banking and Investments. She is passionate about helping people make an informed decision, save money and find the best deal for their needs.

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