check balance

How do I check my bank account balance?

Information verified correct on February 24th, 2017

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.

St.George Complete Freedom Account

New Bank Account Offer

  • $0 monthly fee when at least $2,000 is deposited per month or when opening a Complete Freedom Student account, otherwise a fee of $5 applies per month
  • $0 ATM withdrawal fee at 50,000+ ATMs globally
  • Visa Debit with payWave
    • 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 February 24th, 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 Open More
      St.George Complete Freedom Account
      10% Cash back for online gaming purchases.
      Waived account keeping fees when minimum deposit is met with no minimum balance.
      Yes $0 Yes $0 Open More
      ING DIRECT Orange Everyday Account
      $75 cash bonus + Apple Pay available
      Get a competitive ongoing variable rate when linked with a Savings Maximiser.
      Yes $0 Yes $0 Open More
      Bankwest Easy Transaction Account
      Pay no ATM fees at over 10,000 ATMs in Australia (conditions apply).
      Yes $0 Yes $0 Open More
      Bankwest Qantas Transaction Account
      Earn Qantas Points on eligible purchases and on your account balance.
      Conditions apply.
      Yes $0 Yes $0 Open More
      ANZ Access Advantage
      Apple Pay, Android Pay and 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 Open 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 Open More
      BankSA Complete Freedom Account
      Open one in less than 5 minutes with Cardless Cash available.
      Yes $0 Yes $0 Open More
      BankSA Express Freedom Account
      Get Cardless Cash, free SMS and email alerts.
      Yes $0 Yes $0 Open 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 Open More
      Bank of Melbourne Express Freedom
      Get Cardless Cash and PAYG branch and cheque services.
      Yes $0 Yes $0 Open More

      Shirley Liu

      Shirley is finder.com.au'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.

      Was this content helpful to you? No  Yes

      Related Posts

      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

      Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
      Rates and fees mentioned in comments are correct at the time of publication.
      By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

      Ask a question
      feedback