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Eligibility and document checks

Account eligibility, ID checks and having your documents certified.

What’s on this page

Basic eligibility criteria

The following criteria applies to all the people who join Bank Australia.

  • People living in Australia as a permanent resident or with a relevant work visa
  • People aged 13+

Businesses have their own criteria. 

Children aged under 13

Young people aged under 13 need a parent or guardian’s ID to get started with a Bank Australia transaction or savings account. 

The account is opened as an ‘in trust for child’ account, meaning the parent or guardian is the trustee to the child's account. 

See the checklist of documentation and application form for details.

Pension and concession card cardholders

Loans and credit cards

The application criteria includes people with a regular source of income and healthy credit history. Read more about applying for home loans.

How do I provide ID documents?

What ID documents do I need?

If you are verifying your ID online, you need your Medicare card and driver’s licence or passport. 

If coming into a branch or sending your docs in via post, you need to provide 1 or 2 documents – either via Option A or the Option B or C document combinations below. 

Option A

Provide 1 document from the Category A list

Option B

  1. Provide 1 document from the Category B list 
  2. And 1 document from the Category C list

Option C

  1. 1 document from the Category D list
  2. And 1 document from either the Category B or C list

Category A list

  • A current driver's licence or permit issued by an Australian State or Territory that contains the person’s photograph.
  • A current passport issued by the Australian government (or one that has expired within the last 2 years).
  • A card issued by an Australian State or Territory for the purpose of proving the person’s age, which contains a photograph of the person in whose name the document is issued.

Category B list

  • A birth certificate or birth extract issued by a State or Territory.
  • A citizenship certificate issued by the Australian government.
  • A pension card issued by Centrelink that entitles the person in whose name the card is issued, to financial benefits.
  • An electoral enrolment card.
  • A Medicare card, Department of Veteran’s Affairs entitlement card, or any other current entitlement card issued by the Australian government.
  • Loan documents held by Bank Australia.
  • Records relating to a mortgage granted to the person by another financial institution other than Bank Australia.
  • Land Title Office Records.

Category C list

  • A notice issued to an individual by the Australian government, a State or Territory within the last 12 months that contains the name of the individual and their residential address and records the provision of financial benefits to the individual.
  • A notice of assessment issued to an individual by the Australian Taxation Office within the last 12 months that contains the name of the individual and their residential address.
  • A notice that was issued to an individual by a local government body or utilities provider within the preceding three months that contains the name of the individual and their residential address and records the provision of services to that address or to that person.

Category D list

  • A current NSW photo Firearm, Security Industry or Commercial Agents and Private Inquiry Agents operator licence issued by the NSW Roads and Traffic Authority.
  • A current photo identity card for a NSW Police Force Officer or Australian Defence Force Member.
  • A current consular photo identity card issued by the Department of
  • Foreign Affairs and Trade.
  • Current foreign passport stamped with permanent residency status (with English translation as required).

Who can certify my documents?

Identity and other documents requiring certification can be certified by any of the following people. They will stamp, date and sign your documents. 

1. A Person who, under a law in force in a State or Territory, is currently licensed or registered to as a:

• Chiropractor

• Dentist

• Legal practitioner

• Medical practitioner

• Nurse

• Optometrist

• Patent attorney

• Pharmacist

• Physiotherapist

• Psychologist

• Trades marks attorney

• Veterinary surgeon.


2. A person who is enrolled on the roll of the Supreme Court of a State or Territory, or the High Court of Australia, as a legal practitioner.


3. A person who is a:

• Australian consular officer or an Australian diplomatic officer

(within the meaning of the Consular Fees Act 1955)

• Bailiff

• Bank officer with 2 or more continuous years of service

• Building society officer with 2 or more continuous years of service

• Chief executive officer of a Commonwealth court

• Clerk of a court

• Commissioner of Affidavits

• Commissioner of Declarations

• Credit union officer with 2 or more years of continuous service

• Employee of the Australian Trade Commission who is:

– in a country or place outside Australia; and

– authorised under paragraph 3 (d) of the Consular Fees Act 1955; and

– exercising his or her function in that place

• Employee of the Commonwealth who is:

– in a country or place outside Australia; and

– authorised under paragraph 3 (d) of the Consular Fees Act 1955; and

– exercising his or her function in that place

• Fellow of the National Tax Accountants’ Association

• Finance company officer with 2 or more years of continuous service

• Holder of a statutory office not specified in another item in this part

• Judge of a court

• Justice of the Peace

• Magistrate

• Marriage celebrant registered under Subdivision C of Division 1 of Part IV of the Marriage Act 1961

• Master of a court

• Member of Chartered Secretaries Australia

• Member of Engineers Australia, other than at the grade of a student

• Member of the Association of Taxation and Management Accountants

• Member of the Australian Defence Force who is:

– an officer; or

– a non-commissioned officer within the meaning of the Defence Force

Discipline Act 1982 with 2 or more years of continuous service; or

– a warrant officer within the meaning of that Act

• Member of the Institute of Chartered Accountants in Australia, the Australian Society of Certified Practising Accountants or the National Institute of Accountants

• Member of the Parliament of the Commonwealth, or the Parliament of a State, or a Territory legislature, or a local government authority of a State or Territory

• Minister of religion registered under Subdivision A of Division 1 of Part IV of the Marriage Act 1961

• Notary public

• Permanent employee of the Commonwealth or a Commonwealth authority, or permanent employee of a State or Territory or a State or Territory authority, or a local government authority with 2 or more years of continuous service who is not specified in another item in this Part

• Person before whom a statutory declaration may be made under the law of the State or Territory in which the declaration is made

• Police officer

• Registrar, or Deputy Registrar, of a court

• Senior Executive Senior employee of the Commonwealth or a Commonwealth authority, or a State or Territory or a State or Territory authority

• Sheriff or Sheriff’s officer

• Teacher employed on a full-time basis at a school or tertiary education institution

• Member of the Australasian Institute of Mining and Metallurgy.


4. An officer with, or authorised representative of, a holder of an Australian financial services licence, having 2 or more years of continuous service with one or more licensees.

Need help?

Send us a secure message in the app or internet banking 

Or call us