The 100 point check is a personal identification system adopted by the

Australian Government The Australian Government, also known as the Commonwealth Government, is the national government of Australia, a federal parliamentary constitutional monarchy. Like other Westminster-style systems of government, the Australian Government i ...

to combat

financial transaction A financial transaction is an agreement, or communication, between a buyer and seller to exchange goods, services, or assets for payment. Any transaction involves a change in the status of the finances of two or more businesses or individuals. A ...

fraud In law, fraud is intentional deception to secure unfair or unlawful gain, or to deprive a victim of a legal right. Fraud can violate civil law (e.g., a fraud victim may sue the fraud perpetrator to avoid the fraud or recover monetary compens ...

by individuals and companies, enacted by the ''Financial Transactions Reports Act (1988) (FTR Act)'', which established the Australian Transaction Reports and Analysis Centre (AUSTRAC) and which continued in existence under the ''Anti-Money Laundering and Counter-Terrorism Financing Act 2006''. The 100 point system applies to individuals opening new

financial account In macroeconomics and international finance, the capital account, also known as the capital and financial account records the net flow of investment transaction into an economy. It is one of the two primary components of the balance of payments, ...

s in Australia, including

bank account A bank account is a financial account maintained by a bank or other financial institution in which the financial transactions between the bank and a customer are recorded. Each financial institution sets the terms and conditions for each type o ...

s or

betting Gambling (also known as betting or gaming) is the wagering of something of value ("the stakes") on a random event with the intent of winning something else of value, where instances of strategy are discounted. Gambling thus requires three eleme ...

accounts. Points are allocated to the types of documentary proof of identity that the person can produce, and they must have at least 100 points of identification to be able to operate an account. The system now also applies to the establishment of a number of official

identity document An identity document (also called ID or colloquially as papers) is any documentation, document that may be used to prove a person's identity. If issued in a small, standard credit card size form, it is usually called an identity card (IC, ID c ...

s, such as an

Australian passport Australian passports are travel documents issued to Australian citizens under the ''Australian Passports Act 2005'' by the Australian Passport Office of the Department of Foreign Affairs and Trade (DFAT), both in Australia and overseas, which e ...

and

driving licence A driver's license is a legal authorization, or the official document confirming such an authorization, for a specific individual to operate one or more types of motorized vehicles—such as motorcycles, cars, trucks, or buses—on a public ...

.Transport for NSW - 100 Point Check
/ref> Additionally, 100 point checking also applies in

superannuation A pension (, from Latin ''pensiō'', "payment") is a fund into which a sum of money is added during an employee's employment years and from which payments are drawn to support the person's retirement from work in the form of periodic payments ...

. Members are required to provide 100 points of ID when applying to transfer their accumulation funds (receiving monies) to a pension-based fund (paying monies). "Reporting entities" are required to identify their customers using the 100 point check system. Accounts may be opened, but can only be operated (i.e. withdrawals made) by an identified customer; and an unidentified customer is blocked from making withdrawals. Generally, identification can be transferred from one account to another, so that for instance a person once identified does not need to produce documents again when opening a second account at the same institution. An issue for many Australian organisations is the capture of credit card primary account numbers (PANs), referred to below under the 25 points section as

credit card A credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services based on the cardholder's accrued debt (i.e., promise to the card issuer to pay them for the amounts plus the o ...

s or

EFTPOS Electronic funds transfer at point of sale (EFTPOS; ) is an electronic payment system involving electronic funds transfers based on the use of payment cards, such as debit or credit cards, at payment terminals located at points of sale. EFTPOS t ...

cards. This practice is not compliant with the

Payment Card Industry Data Security Standard The Payment Card Industry Data Security Standard (PCI DSS) is an information security standard used to handle credit cards from major card brands. The standard is administered by the Payment Card Industry Security Standards Council and its use i ...

and must be removed from all 100 point check forms.

Documents

Primary documents

70 points Only one of the following may be claimed: *

Birth certificate A birth certificate is a vital record that documents the birth of a person. The term "birth certificate" can refer to either the original document certifying the circumstances of the birth or to a certified copy of or representation of the ensuin ...

* Birth card issued by a registry of births, deaths and marriages *

Citizenship Citizenship is a "relationship between an individual and a state to which the individual owes allegiance and in turn is entitled to its protection". Each state determines the conditions under which it will recognize persons as its citizens, and ...

certificate * Current

passport A passport is an official travel document issued by a government that contains a person's identity. A person with a passport can travel to and from foreign countries more easily and access consular assistance. A passport certifies the personal ...

* Expired passport which has not been cancelled and was current within the preceding two years * Other document of identity, having the same characteristics as a passport including diplomatic documents and some documents issued to refugees

Secondary documents

40 points * Document issued by

authorised deposit-taking institution Financial institutions in Australia are only permitted to accept deposits from the public if they are authorised deposit-taking institutions (ADIs). The ADI’s authority is granted by the Australian Prudential Regulation Authority (APRA) under the ...

s (ADIs), banks, building societies, credit unions or registered corporations. The signatory must be a known customer of at least twelve months standing. * Written reference from one of the following institutions, verifying name of signatory and signed by both referee and signatory. The signatory must have been known to the referee for at least twelve months. ** Another financial body certifying that the signatory is a known customer ** Another customer who has been verified as a signatory by the cash dealer ** An acceptable referee (refer to AUSTRAC Guideline No. 3 and Information Circular No. 3) * Any of the following, which must contain a photograph and a name. Additional documents from this category are awarded 25 points. ** Drivers licence issued by an Australian state or territory ** Licence or permit issued under a law of the Commonwealth, a state or territory government (e.g. a boat licence) **

Identification card An identity document (also called ID or colloquially as papers) is any document that may be used to prove a person's identity. If issued in a small, standard credit card size form, it is usually called an identity card (IC, ID card, citizen ca ...

issued to a public employee ** Identification card issued by the Commonwealth, a state or territory government as evidence of the person's entitlement to a financial benefit ** An identification card issued to a student at a tertiary education institution 35 points * Name and address of signatory verified from any of the following: ** A document held by the cash dealer giving security over the signatory’s property ** A

mortgage A mortgage loan or simply mortgage (), in civil law jurisdicions known also as a hypothec loan, is a loan used either by purchasers of real property to raise funds to buy real estate, or by existing property owners to raise funds for any pu ...

or other instrument of security held by another financial body * Must have name and address on: ** A document held by a cash dealer giving security over your property ** A

or other instrument of security held by a financial body ** Local government (council) land tax or rates notice ** Document from your current employer or previous employer within the last two years ** Land Titles Office record ** Document from the Credit Reference Association of Australia 25 points * Must have name and signature on: ** Marriage certificate (for maiden name only) **

Credit card A credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services based on the cardholder's accrued debt (i.e., promise to the card issuer to pay them for the amounts plus the o ...

** Foreign drivers licence ** Medicare card (signature not required) ** Membership to a registered club **

NRMA NRMA (formerly National Roads and Motorists' Association) is an Australian organisation offering roadside assistance, advocacy for motorists and road-users, motoring advice, car servicing, International Driving Permits, travel and other services ...

membership **

card * Must have name and address on: **

Electoral roll An electoral roll (variously called an electoral register, voters roll, poll book or other description) is a compilation that lists persons who are entitled to vote for particular elections in a particular jurisdiction. The list is usually broke ...

compiled by the

Australian Electoral Commission The Australian Electoral Commission (AEC) is the independent federal agency in charge of organising, conducting and supervising federal Australian elections, by-elections and referendums. Responsibilities The AEC's main responsibility is to ...

and available for public scrutiny ** Records of a public utility – phone, water, gas or electricity bill ** Records of a

financial institution Financial institutions, sometimes called banking institutions, are business entities that provide services as intermediaries for different types of financial monetary transactions. Broadly speaking, there are three major types of financial insti ...

** A record held under a law other than a law relating to

land title In property law, title is an intangible construct representing a bundle of rights in (to) a piece of property in which a party may own either a legal interest or equitable interest. The rights in the bundle may be separated and held by different ...

s ** Lease/rent agreement ** Rent receipt from a licensed

real estate agent A real estate agent or real estate broker is a person who represents sellers or buyers of real estate or real property. While a broker may work independently, an agent usually works under a licensed broker to represent clients. Brokers and agen ...

* Must have name and date of birth on: ** Record of a primary, secondary or tertiary

educational institution An educational institution is a place where people of different ages gain an education, including preschools, childcare, primary-elementary schools, secondary-high schools, and universities. They provide a large variety of learning environments an ...

attended by the applicant within the last ten years ** Record of professional or

trade association A trade association, also known as an industry trade group, business association, sector association or industry body, is an organization founded and funded by businesses that operate in a specific Industry (economics), industry. An industry tra ...

of which the applicant is a member

References

{{Australian Identity Documents Identification Identity documents of Australia Bank regulation

Documents

Primary documents

Secondary documents

See also

References