How to use Bank@Post

Bank@Post is an Australia Post program that provides simple transaction services on behalf of more than 70 participating banks and financial institutions around Australia. This means that instead of having to visit a bank branch, you can do some of your banking at more than 3,500 participating post offices across the country.

What can I do with Bank@Post?

If your bank or financial institution participates in Bank@Post, you can visit more than 3,500 post offices around Australia to perform a wide range of transactions, including:

• Deposit cash and cheques into your account
• Withdraw cash from your account
• Pay credit card bills
• Check your account balance
• Prove your identity (for new customers who want to open an account)
• Perform financial transactions for your business account

In effect, visiting a post office becomes exactly the same as visiting your bank. You receive the same personalised face-to-face service you would receive in your local bank branch, as well as all the usual banking facilities. This is particularly useful if you live in rural Australia or a remote location where it may not be easy to access your nearest bank branch.

Whatever type of transaction you want to do, simply line up at the counter just as you would to access normal post office services. Have your transaction card and PIN ready, as well as any other details you need for your transaction, such as proof of ID or a cheque you want to cash. The teller will then guide you through the transaction.

Example: How to deposit cash with ING

If you've already got an ING bank account or you're thinking of opening one, you might be wondering how to deposit cash given that ING has no branches. This is easily done via Bank@Post. For example, let's say you were paid $500 in cash and you want to add this to your ING Orange Everyday account. All you need to do is head into any Australia Post Office that offers Bank@Post (most do) with your cash, some photo ID and your ING Visa debit card. Once they've verified your identity, they'll ask for your debit card and cash and make the deposit into your account for you on the spot.

You'll be given a receipt to confirm the transaction has gone through, and you should be able to see the money in your account almost instantly by logging into your ING mobile banking app or Internet banking portal.

Who can use Bank@Post?

Bank@Post services are available to anyone who holds an account with a participating bank or financial institution – you’ll find a list of these below. All you need to be able to use your post office as a bank branch is:

• An account with a participating bank or financial institution
• A plastic transaction card
• A personal identification number (PIN)

You can only deposit money or check an account balance on an account that is held in your name. You can't access an account for someone else (for example a family member) unless they are present.

How to find your nearest Bank@Post outlet

You can find your nearest Bank@Post outlet by using the location finder tool on the Australia Post website. Alternatively, simply look for a Bank@Post sign displayed near the entrance of any participating post office.

What benefits does Bank@Post offer?

There are many advantages of using the Bank@Post service, including:

More branches

Bank@Post effectively increases your bank’s branch network substantially, allowing you to take care of your everyday banking needs at more than 3,500 Australian post offices.

No fees

Australia Post does not charge any extra fees for its Bank@Post services. However, it’s worth checking the terms and conditions of your account to make sure your bank doesn’t impose any additional charges.

Better access

If you live in a rural area or a remote part of Australia, it’s much easier to find a post office where you can perform your essential banking transactions.

Increased opening hours

Some post offices are open on Saturdays and even Sundays, providing more convenient opportunities for you to manage your money.

Easy for travellers

If you’re travelling anywhere in Australia where your bank doesn’t have a branch, you can simply pop into your nearest participating Bank@Post outlet.

Business convenience

If you run a business, you can perform important business banking transactions at your post office at the same time as you send and receive mail or stock up on office supplies.

What else should I know about Bank@Post?

Before you begin using Bank@Post facilities, make sure you’re aware that specific limits apply to individual transactions. These include limits on how much you can deposit into or withdraw from your account using Bank@Post each day.

Limits also vary from one bank to the next. For example, while ANZ customers can deposit up to $5,000 per transaction per day using Bank@Post, Suncorp Bank customers can only deposit a maximum of $3,000.

Make sure you’re aware of all these limits so that you don’t get caught out. It’s also a good idea to check the terms and conditions of your account to make sure that your bank will not charge any extra fees when you use Bank@Post services. In general, banks will charge the same fees as they do for over-the-counter transactions carried out at branches.

Banks and financial institutions that offer Bank@Post

Check out the list of participating institutions below.

Participating banks

Participating credit unions

Other participating financial institutions

• Indue Ltd
• Latitude Financial Services
• Resimac

For more details on how to use Bank@Post to manage money in your personal or business account, contact your bank or financial institution.