What Is 100 Points Of ID In Australia?

100 Points Of ID - Proudly South African In Perth

If you’re like me, you might be researching as much as you can online to prepare for your upcoming move to Australia. During your frantic Googling sessions, you may come across the term ‘100 points of ID’. Wondering what that actually means? I’ve got you covered – read on!


What is the 100 points of ID system in Australia?

The system of 100 points of ID was introduced by the Australian government to combat fraud.

It’s a personal identification system that ensures people are who they claim to be, by producing a set amount of evidence to prove their identity.

Different values of points are allocated depending on the type of ID document you produce. Your points must add up to at least 100 in order to open the account you are seeking.

What do I need 100 points of ID for?

Generally, you need to provide 100 points of ID when you open a new financial account or government account.

These could include:

Opening a bank account

Applying for a local driver’s licence

Credit cards

Phone contracts

Car loan

Personal loan

Home loan

Joining the library

Applying for Centrelink or Medicare

Transferring your superannuation funds

This is why when you open a bank account in Australia from overseas, it will only be activated once you present yourself in person at a branch with your supporting ID documents.

How many points are each kind of document worth?

This varies from state to state but generally you get 2 categories of ID documents – primary and secondary.

Documents from the primary category are worth 70 points.

Documents from the secondary category are worth 40 points.

A second document from the secondary category can get you an extra 25 points.

A second document from the primary category does not get you any extra points.

100 Points of ID – Primary Category Documents

70 points for your first document:

Australian birth certificate

Australian passport

Australian citizenship certificate

International passport (linked to a current valid visa)

Registration of descent

As a new arrival, the only one you’re likely to have is the international passport on this list.

100 Points of ID – Secondary Category Documents

40 points for your first document, and 25 points for any second document from this list:

Licence or Permit issued under Australia law

State or Federal Government Employee Identity

Tertiary Education Institution Identity

Australian Learner’s Permit

Department of Veterans Affairs Card

Centrelink or Social Security Card

WA Photo Card


Dangerous Goods Security Card

Working With Children’s Card

Consular Photo Identity Card

Maritime Security Identification Card

25 points only for each document:

Proof of Age Card

Medicare Card

Council Rates Notice

Property Lease/Rental Agreement

Property Insurance Papers

Motor Vehicle Registration or Insurance Documents

Professional or Trade Association Card

Utility Bills (e.g. Telephone, Gas, Electricity, Water)

Credit/Account Card

Bank Statement/Passbook

Health Care Card

As a new arrival, to start with you may only have documents from the 25 point only list – bank statements are the easiest to provide as most migrants have a bank account set up before they move. You can go into your branch and ask for a recent statement from them to use as ID, if you aren’t able to get statements via the post.

Once you’ve converted your overseas driver’s licence to an Australian one, you can use that and get 40 points for that ID document.

If you’ve bought a car, you’ll also be able to use your motor vehicle registration and insurance documents to get your points over the 100 points line.

As you can see, the more admin you do – applying for Medicare, converting your driver’s licence, activating your bank account – in the early days of arriving, the quicker you can build up your 100 points of ID to use for your bigger purchases (e.g. getting finance for a car or home).

Read my post here on 7 things to do in your first week in Australia to get you off on the right foot!

Please Note: Make sure you check the list of documents from the provider you are dealing with – whether it’s a bank, a government body, or a private company, their list of acceptable documents may vary slightly between each other as to what points are worth and what documents they will accept. This is a guide for the kind of documents you can use, but is not applicable to all cases where 100 points of ID needs to be provided.

About Author

Helping you move to, settle in, and explore your new home in Australia. Avid reader, beach lover, and horse addict. As someone who has emigrated, not once, not twice, but three times, I know exactly what you’re going through. The ups and downs of emigration are faster than a rollercoaster and I’ve been there – three times!

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