check 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.

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    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.

    Compare bank accounts below

    Rates last updated July 21st, 2017
    Internet Banking Internet Transaction Fee Phone Banking Phone Transaction Fee
    NAB Classic Banking
    $0 monthly account fees.
    Tap and pay with your NAB Visa Debit card, NAB Pay for Android or NAB PayTag for iPhone.
    Yes $0 Yes $0 Go to site More
    ING DIRECT Orange Everyday Account
    $75 cash bonus & Apple Pay available.
    Get a competitive ongoing variable rate when linked with an ING Direct Savings Maximiser.
    Yes $0 Yes $0 Go to site More
    ANZ Access Advantage
    Apple Pay, Android Pay & ANZ Mobile Pay.
    Take advantage of Apple Pay by linking your ANZ Visa Debit card to an eligible iPhone and seamlessly pay for purchases with your phone.
    Yes $0 Yes $0 Go to site More
    Bankwest Qantas Transaction Account
    Earn Qantas Points on eligible purchases and on your account balance.
    Conditions apply.
    Yes $0 Yes $0 Go to site More
    BankSA Complete Freedom Account
    Cardless Cash available. Open one in less than 3 minutes.
    Yes $0 Yes $0 Go to site More
    St.George Complete Freedom Account
    10% Cash back for online gaming purchases and $50 cash bonus offer.
    Waived account keeping fees when minimum deposit is met with no minimum balance.
    Yes $0 Yes $0 Go to site More
    Westpac Choice
    $0 ATM withdrawal fee at 50,000+ ATMs globally.
    Via Westpac's Global ATM Alliance. Get Cash without your debit card (conditions apply).
    Yes $0 Yes $0 Go to site More
    Bank of Melbourne Complete Freedom
    Get Cardless cash and shop securely with your Visa debit card. Customise SMS and email alerts.
    Yes $0 Yes $0 Go to site More
    Bank of Queensland Day2Day Plus Account
    An everyday transaction account with a linked Visa debit card.
    Yes $0 Yes $0 Go to site More

    Shirley Liu

    Shirley is's publisher for banking and investments. She has completed 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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