List of AcceptableDocuments and IdentificationPoints
To comply with the FTR Act a customer must present identificationdocuments equal to at least 100 points. This can be made up of one primary identification document and at least one secondary identification document, or all secondary documents. However, some restrictions apply as indicated below.
Note: To satisfy the 100 point requirement, all identificationdocuments presented must be in the same surname.
If a customer presents his/her birth certificate but cannot present sufficient secondary documents in the same surname, or, he/she presents another primary document in one surname but cannot produce sufficient secondary documents in the same surname, then they may present all secondary documents in the same surname to satisfy the 100 point requirement. Alternatively, they may provide an Identification Reference for a Signatory to an Account. This situation often applies, for example, to female customers who have changed their surname through marriage.
Document / Method / Points / Type of Document / Descriptions or Restrictions- Birth Certificate (extract, original or certified copy)
- NSW Birth Card
- Citizenship Certificate (original or certified copy)
- International Travel Document (Does not include Visas Issued by the Department of Immigration, Multicultural and Indigenous Affairs - DIMIA)
If the customer is under 18 years of age any one of these documents is worth 100 points
Passports can be accepted up to 2 years after the expiry date but not if a passport has been renewed.
- Employment Check
- Rates Notice
- Security documents held by another financial institution
- CRAA check (if appropriate)
- Certificates of Title
Rates Notices must state the signatory is the owner of the property to which the Rates Notice was sent and the document must be current at the time of the application to open the account, to be worth 35 points.
Rates Notices that contain only the name and address of the signatory are worth only 25 points.
- Electoral Roll Check
- Public Utility
- Landlord, real estate agent or owner of rented premises
- Records held under law not relating to land titles
- Letter from an education institution that customer has attended within the last 10 years
- Membership Card of a professional or trade association
Telephone Directory Check and Client Verification / 25 / Secondary / Only one allowed per customer
- A licence or permit issued under an Australian law (eg. an Australian driver's licence)
- Public employee identification card
- Government Identification card to entitlement to a financial benefit
- Student Identification card issued by a tertiary institution
- Multiple Sclerosis Photo Identification Card
(except Tasmania)
The document must contain the customer's photograph or the customer's signature to be worth 40 points.
- Medicare Card
- Acceptable Referee who has known customer for less than 12 months
Existing customer / 100 / N/A / Other existing accounts cannot be used if they are stopped pending full identification.
Acceptable Referee (CTRA3) (List of Acceptable Referees - 6.2.1.6.3 ) / 100 / N/A / Full completion (ie. Customer known to referee for 12+months and primary identification document sighted.)
Certificate of Identity from an approved Verifying Officer (CTRA 5) (Verifying Officers - 6.2.1.5 ) / 100 / N/A / CTRA 5 must be completed by the Verifying Officer and held by the Ledger Branch.
Recent Arrival in Australia / 100 / N/A / Must be less than 6 weeks in terms of Identification - Recent Arrivals in Australia - 6.2.1.2.6
Isolated Area Aborigine / 100 / N/A / Written reference signed by two acceptable referees
Letter of Introduction from Centrelink / 100 / N/A / Must be signed by Centrelink Manager in accordance with Identification - Recipients of Centrelink Benefits - 6.2.1.2.8
Written Reference from a Verified Client (Terms 'W' - 19.23 ) / 40 / Secondary / Only one CTRA 4 allowed per customer
Personally known to staff (Terms 'P' - 19.16 ) / 40 / Secondary / Only one allowed per customer.
Staff cannot act as an Acceptable Referee and complete a personal reference.
Acceptable Referee who has not sighted a primary document but has known customer for more than 12 months. / 40 / Secondary / Only one allowed per customer
Credit Card, Debit Card or Passbook / 25 / Secondary / Only one allowed per financial institution - other than Commonwealth Bank and Colonial
Visa Evidence Card (VEC)
(Identification - Recent Arrivals in Australia - 6.2.1.2.6 ) / Point value is dependent on time in Australia and details on card. / N/A / If the holder of the card has been legally in Australia for less than 6 weeks the document is worth 100 points.
If the holder of the card has been legally in Australia for more then 6 weeks and the card contains a photograph or signature of the holder the document is worth 40 points.
If the holder of the card has been legally in Australia for more then 6 weeks and the card does not contain either a photograph or signature of the holder the document is worth 25 points.
Note: You must record the Date the Visa was granted and the Visa reference number. The account must be opened in the name recorded on the VEC.
Other IdentificationDocuments / 25 / Secondary / Example: Driver's licence issued outside Australia, motor vehicle membership, marriage certificate, Health fund cards, Charge Cards, Proof of Age Card, Library Card, Senior's Card, Club membership cards, Keypass Identification Card, Blind Citizens Australia Identity Card, Visas issued by DIMIA.
Note: The above list mainly applies to Australian documents. Foreign documents (ie. written in a non-English language) can be accepted provided a certified translation of the document is sighted. Photocopies of the foreign documents and certified translation must be taken and attached to the new account form. Secondary documents must contain the customer's full name and full Australian residential/business address.
- A Foreign Identification Card is only worth 25 points.
- All Foreign licences are only worth 25 points.