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On this page you’ll find a comprehensive list of the banks, credit unions and building societies that operate in Australia. Search the tables below for more information about all the financial institutions that offer banking products to Australian customers.
Banks provide a wide range of financial products and services to Australian customers, including savings and transaction accounts, home loans, personal loans and credit cards.
Many of the institutions below are listed on the stock exchange and owned by shareholders, but this list also includes several mutual banks. Also known as customer-owned banks, mutual banks are credit unions or building societies that have voted to become a bank and have proven to the Australian Prudential Regulation Authority that they satisfy the capital requirements of a bank.
|Bank||Headquarters||Owned by / Subsidiary of|
|AMP Bank Limited||Sydney|
|Australia and New Zealand Banking Group Limited (ANZ)||Melbourne|
|Australian Military Bank (formerly Australian Defence Credit Union)||Sydney|
|Auswide Bank (formerly Wide Bay Building Society)||Bundaberg|
|AWA Alliance Bank||Geelong||An alliance between AWA Mutual Limited and Bendigo and Adelaide Bank Limited|
|B&E Limited (trading as Bank of us)||Launceston|
|Bank Australia (formerly bankmecu)||Melbourne|
|Bank of Melbourne||Melbourne||A subsidiary of Westpac Banking Corporation|
|Bank of Queensland Limited||Brisbane|
|BankSA||Adelaide||A subsidiary of Westpac Banking Corporation|
|Bank of Western Australia Limited (trading as Bankwest)||Perth||A subsidiary of the Commonwealth Bank of Australia|
|BDCU Alliance Bank||Bowral||An alliance between BDCU Limited and Bendigo and Adelaide Bank Limited|
|Bendigo and Adelaide Bank Limited||Bendigo|
|Border Bank||Sydney||A division of Police Bank|
|BOQ Specialist||Brisbane||A division of Bank of Queensland Limited|
|CIRCLE Alliance Bank||Deer Park||An alliance between CIRCLE Mutual Limited and Bendigo and Adelaide Bank Limited|
|Commonwealth Bank of Australia||Sydney|
|Community CPS Australia Limited (trading as Beyond Bank Australia)||Adelaide|
|Community Mutual Limited (trading as Regional Australia Bank)||Armidale|
|Community Sector Banking||A subsidiary of Community Sector Enterprises, which is a 50/50 joint venture between Bendigo and Adelaide Bank and Community 21 Limited|
|Delphi Bank (formerly Bank of Cyprus Australia Limited)||Melbourne||A division of Bendigo and Adelaide Bank Limited|
|Esanda||Melbourne||A subsidiary of the Macquarie Group|
|Firefighters Mutual Bank||Sydney||A division of Teachers Mutual Bank Limited|
|G&C Mutual Bank||Sydney|
|Macquarie Bank Limited||Sydney||Owned by Macquarie Group Limited|
|Members Equity Bank Limited (trading as ME Bank)||Melbourne|
|National Australia Bank Limited (NAB)||Melbourne|
|Police & Nurses Ltd (trading as P&N Bank)||Perth|
|QPCU limited (trading as QBANK)||Brisbane|
|Qudos Mutual Limited (trading as Qudos Bank)||Sydney|
|RACQ Bank||Brisbane||Owned by the Royal Automobile Club of Queensland (RACQ)|
|Reliance Bank||Sydney||A division of Unity Bank Limited|
|RSL Money||Sydney||A business name of Australian Military Bank|
|Rural Bank Limited||Melbourne||A subsidiary of Bendigo and Adelaide Bank Limited|
|SERVICE ONE Alliance Bank||Canberra||An alliance between SERVICE ONE Mutual Limited and Bendigo and Adelaide Bank Limited|
|St.George Bank Limited||Sydney||A subsidiary of Westpac Banking Corporation|
|Suncorp Bank||Brisbane||A subsidiary of Suncorp Group|
|Teachers Mutual Bank Limited||Sydney|
|The Rock||Rockhampton||A division of MyState Bank Limited|
|Victoria Teachers Ltd (trading as Victoria Teachers Mutual Bank)||Melbourne|
|UBank||Melbourne||A division of National Australia Bank Limited (NAB)|
|UniBank||Nedlands||A division of Teachers Mutual Bank Limited|
|Unity Bank Limited||Sydney|
|Up Bank||Online bank||Bendigo & Adelaide Bank|
|Westpac Banking Corporation||Sydney|
|Volt Bank||Online bank|
|86 400 Bank||Online bank|
Foreign subsidiary banks
A foreign subsidiary bank is a subsidiary of a foreign-owned bank that is incorporated in Australia. These institutions must hold capital locally and must also meet the same prudential standards and undergo the same supervision as Australian-owned banks.
|Bank||Australian headquarters||Subsidiary of||Parent company’s headquarters|
|Arab Bank Australia Ltd||Sydney||A subsidiary of Arab Bank||Amman, Jordan|
|Bank of China (Australia) Ltd||Sydney||A subsidiary of Bank of China||Beijing, China|
|Bank of Sydney Ltd||Sydney||A subsidiary of Bank of Beirut||Beirut, Lebanon|
|HSBC Bank Australia Ltd||Sydney||A subsidiary of the HSBC Group||London, UK|
|Citibank Australia and Citi||Sydney||A subsidiary of Citigroup Pty Ltd||New York City, United States|
|ING Bank (Australia) Ltd (trading as ING Direct)||Sydney||A subsidiary of the ING Group||Amsterdam, Netherlands|
|Rabobank Australia Limited||Sydney||A subsidiary of Rabobank||Utrecht, Netherlands|
A building society is a mutual organisation that is owned by its members and offers a wide range of financial products and services. These organisations tend to be located in rural and regional Australia and they offer deposit accounts, loans and payment services.
|Building society||Headquarters||Owned by / subsidiary of|
|Big Sky Building Society Limited||South Melbourne||A subsidiary of Australian Unity|
|Maitland Mutual Building Society Limited (The Mutual)||Maitland|
|Newcastle Permanent Building Society Limited||Newcastle|
Like building societies, credit unions are also owned by their members. Rather than being run to provide profits for shareholders, credit unions are run to benefit members. Credit unions operate right across Australia and offer a wide range of banking and financial products and services.
|Australian Central Credit Union Ltd (trading as People's Choice Credit Union)||Adelaide|
|Bananacoast Community Credit Union Ltd||Coffs Harbour|
|CAPE Credit Union Limited||Kurnell|
|Central Coast Credit Union Ltd||Wyong|
|Central Murray Credit Union Limited||Yarrawonga|
|Central West Credit Union Limited||Parkes|
|Coastline Credit Union Limited||West Kempsey|
|Community Alliance Credit Union Limited||Wollongong|
|Community First Credit Union Limited||Auburn|
|Credit Union Australia Ltd||Brisbane|
|Credit Union SA Ltd||Adelaide|
|Dnister Ukrainian Credit Co-operative Limited||Essendon|
|EECU Limited (trading as Nexus Mutual)||Melbourne|
|Family First Credit Union Limited||Lithgow|
|Fire Service Credit Union Limited||Adelaide|
|Firefighters & Affiliates Credit Co-operative Limited||Brunswick|
|First Choice Credit Union Ltd||Orange|
|First Option Credit Union Limited||Melbourne|
|Ford Co-operative Credit Society Limited||Geelong|
|Goulburn Murray Credit Union Co-operative Limited||Shepparton|
|Heritage Isle Credit Union Limited||Launceston|
|Holiday Coast Credit Union Ltd||Wauchope|
|Horizon Credit Union Ltd||Wollongong|
|Hunter United Employees' Credit Union Limited||Broadmeadow|
|Laboratories Credit Union Limited||North Ryde|
|Lithuanian Co-operative Credit Society "Talka" Limited||North Melbourne|
|Lysaght Credit Union Ltd||Wollongong|
|MacArthur Credit Union Ltd||Camden|
|Macquarie Credit Union Limited||Dubbo|
|My Credit Union Limited||Homebush|
|Northern Inland Credit Union Limited||Tamworth|
|Nova Credit Union Limited||Newcastle West|
|Orange Credit Union Limited||Orange|
|Police Credit Union Limited||Adelaide|
|Pulse Credit Union Limited||Melbourne|
|Queensland Country Credit Union Limited||Aitkenvale|
|Queenslanders Credit Union Limited||Brisbane|
|Railways Credit Union Limited (trading as MOVE)||Brisbane|
|Select Encompass Credit Union Ltd||Surry Hills|
|South West Slopes Credit Union Ltd||Young|
|Southern Cross Credit Union Ltd||Kingscliff|
|South-West Credit Union Co-Operative Limited||Warrnambool|
|Summerland Financial Services Limited (trading as Summerland Credit Union)||Lismore|
|Sydney Credit Union Ltd||Blacktown|
|The Broken Hill Community Credit Union Ltd||Broken Hill|
|The Capricornian Ltd||Rockhampton|
|The Gympie Credit Union Ltd||Gympie|
|Traditional Credit Union Limited||Darwin|
|Transport Mutual Credit Union Limited||Surry Hills|
|Warwick Credit Union Ltd||Warwick|
|WAW Credit Union Co-Operative Limited||Wodonga|
|Woolworths Employees' Credit Union Limited||Mulgrave|
Compare savings account and bank accounts offered by Australian banks
There are also a few other financial institutions which are regulated by APRA in accordance with the Banking Act 1959 and classified as authorised deposit-taking institutions (ADIs), but which do not fall into the above categories:
- Goldfields Money Limited
- MyLifeMyFinance Limited
- Cairns Penny Savings & Loans Limited
These companies provide industry services:
- Australian Settlements Limited
- Cuscal Limited
- Indue Ltd
Savings account offer: Westpac Life (18-29 year olds only)You can earn an ongoing, variable 3% p.a. each month you grow your balance (excluding interest earned) and make 5+ debit card purchases from your linked Westpac Choice transaction account. The maximum variable rate of 3% p.a. is available on balances up to $30,000 for customers aged 18-29.
Shopping for a bank?
Compare the above banks’ services side by side. Click on the product or service you’re interested in below to view our handy comparison tables.
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