100 points of ID

Most legal transactions require some form of identification. In some cases, 100 points of ID is required which means that for certain documents you’ll get a fictive number of points. The more reliable the ID the more points you will get.

Especially in the beginning it’s sometimes hard to satisfy these rules. And as there are many companies using slightly different variations of the 100 point scheme, it’s sometimes taken puzzling to make it work.

In Australia a Driver’s License appears to be the most trusted form of ID, as even the government agencies do not trust their own passports as much as the Driver’s License!

Anyway: here is a quite elaborate and accurate list. It’s the “Government Account Opening Rules” found on the NAB (National Australia Bank) website.

100 Point Check Method
Under the Australian Government’s Financial Transaction Reports Act, strict regulations are imposed on all banks and other cash dealers to identify new customers. These regulations require anyone wanting to open an account to provide sufficient identification to score 100 points. Different types of identification provide differing amounts of points. For instance, if you have already completed a 100 point check for a NAB account, you don’t need to go through the process again – as long as we have a record of that 100 point check. If you are already a customer with the NAB, you’ll have a head start towards your 100 points. However, if you are opening an account at the NAB for the first time you will need to do the 100 point check – and provide a combination of the following:

For 70 Points
(only one form from this list will be accepted)

International Travel Documents (for example, a current passport)
Birth Certificate (certified copy or extract)
Citizenship Certificate

For 40 Points
You have been a customer of the NAB for 12 months.
Written reference verifying your signature and 12 month association from:

Another Financial Body
Another Customer of the NAB
An acceptable Referee
Name, photo, and signature on:
Driver’s Licence
Permits – Government issued
Public Service ID Card
Social Security ID Card
Tertiary Student ID Card

For 35 Points
Your name and address verified by your current or recent employer (within two years).

Your name and address verified from:
Land Titles Office Records
Mortgage Document

For 25 Points
Your name, address and telephone number verified from the latest edition of the telephone directory. We will need to make contact with you on that number.

Your name on two cards from different banks score 25 points each, two or more from the same bank only score 25 points in total:

ATM Card
MasterCard
Visa Card
Bankcard
Your name on:
Medicare Card
Employment ID Card
Council Rates Notice
Membership Card – Union, Club, Association, Library, Video Library
Your name and address verified from:
Electoral Roll
Landlord
Public Utility Records such as an Electricity, Gas, Telephone Bill or Rate Notices
Passbook/Statement from another financial body covering at least the last 12 months’ transactions
Driver’s Licence/Learner’s Permit (without photo)
Car or Boat Registration Certification
Your name and address from:
Education records from the last 10 years
Marriage Certificate