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.

Compare bank accounts below

Rates last updated July 20th, 2018
Internet Banking Internet Transaction Fee Phone Banking Phone Transaction Fee
Bankwest Easy Transaction Account
No ATM fees when using a major bank ATM Australia-wide $0 monthly account fee. Enjoy no minimum ongoing balance or transaction requirements. Upgrade to a Platinum Debit Mastercard when you deposit $4000 per month to enjoy exclusive benefits.
Yes $0 Yes $0 Go to site More
NAB Classic Banking
Impressive digital perks. $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.
Yes $0 Yes $0 Go to site More
ING Orange Everyday Account
$75 cash bonus. $0 monthly account fees. Receive a $75 cash bonus if you open a new Orange Everyday account, enter the promotional code and deposit at least $1,000 within a calendar month and make 5+ card purchases (T&Cs apply). Get a competitive ongoing variable rate when linked with an ING Savings Maximiser.
Yes $0 Yes $0 Go to site More
Bank Australia Everyday Access Account
Fee-free access to 3000+ ATMS in Australia. $5 waivable monthly account fee. Pay no account keeping fee if you deposit at least $2000 monthly. The fee is also waived if you're under 25 years old, or have a loan or investment of $50,000 with Bank Australia.
Yes $0 Yes $0 Go to site More
AMP Bett3r Account - Pay Account
Manage your budget effectively with a bundle of accounts. $5 waivable monthly account fee. Monthly account fee waived if you deposit at least $2,000 a month from a source that is not another AMP bank account. Enjoy linked individual Pay, Spend and Save accounts to reach your savings goals.
Yes $0 Yes $0 Go to site More
MyState Everyday Account
A flexible option for day-to-day spending. $6 waivable monthly account fee. Monthly account fee waived if you deposit at least $2,000 a month or are 23 years or under. Apple Pay, Google Pay, Samsung Pay available.
Yes $0 Yes $0 Go to site More
HSBC Everyday Global Account
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.
Yes $0 Yes $0 Go to site More
NAB Classic Banking with Platinum Visa Debit Card
$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.
Yes $0 Yes $0 Go to site More
HSBC Day to Day Transaction Account
Open an account and easily switch your regular payments over from your current bank. $0 monthly account fee. Through your linked Visa debit card, you can access exclusive shopping, travel and restaurant deals here and abroad through HSBC's home&Away Privilege Program.
Yes $0 Yes $0 Go to site More
Bank of Melbourne Complete Freedom
$50 cash back. $5 waivable monthly account fee. Monthly account fee waived if you deposit at least $2,000 a month, are under 21 or if you meet other eligibility criteria. New customers get $50 cash back. Open a new account by August 24 & deposit $500 within the first 45 days ($250 for students & under 21s). T&C's apply.
Yes $0 Yes $0 Go to site More
St.George Complete Freedom Account
$50 cash back. $5 waivable monthly account fee. Monthly account fee waived if you deposit at least $2,000 a month, are under 21 or if you meet other eligibility criteria. New customers get $50 cash back. Open a new account by September 21 & deposit $500 within the first 45 days ($250 for students & under 21s). T&C's apply.
Yes $0 Yes $0 Go to site More
BankSA Complete Freedom Account
$50 cash back & complimentary ticket to the Royal Adelaide Show. $5 waivable monthly account fee. Monthly account fee waived if you deposit at least $2,000 a month, are under 21 or if you meet other eligibility criteria. New customers get $50 cash back. Open a new account by August 24 & deposit $500 within the first 45 days ($250 for students & under 21s). Receive a complimentary ticket for the Royal Adelaide Show within 15 days of opening the account. T&C's apply.
Yes $0 Yes $0 Go to site More

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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