On this page
Before you go
Many banks let you start online, then visit a branch later. Others prefer you to come in person. It helps to look at the bank's website first or call them. Banks usually ask for identity documents, like a passport, and an address. The exact list can change, so ask the bank what they need. Write your questions down before you go. Bring a pen and keep your documents together in one folder.
Hi, I'd like to open a bank account, please.
What documents do I need to bring?
Can I start online, or do I need to come in?
At the branch
When you arrive, someone may greet you and ask why you are there. Sometimes you wait for a staff member to be free. They might take you to a desk or a quiet area. Tell them you are new to Australia. This helps them explain things clearly. If they speak too fast, it is normal to ask them to slow down. Staff talk to newcomers often.
I've just arrived in Australia.
Sorry, could you speak a bit more slowly?
Could you say that again, please?
Choosing an account
The staff member may describe different types of accounts. Some are for everyday spending, and some are for saving. Ask them to explain the differences in simple words. You can ask about fees and how the card works. Do not feel rushed. You can take brochures home and decide later. It is your choice, and it is fine to say you need time to think.
What's the difference between these accounts?
Are there any fees I should know about?
Can I take this home and think about it?
Filling in the details
The staff member will usually ask for your name, address, phone number and email. They may ask about your work or study. If you don't understand a question, ask what it means. Check that your name is spelled correctly, exactly like your passport. If you don't have a permanent address yet, explain your situation and ask what to do.
Could you spell that back to me, please?
I'm staying in a hostel right now. Is that okay?
What does this question mean?
After you open it
Before you leave, ask what happens next. Your card may come by post, or you may get it straight away. Ask how to set up the banking app and how to keep your account safe. Write down any important information they give you. If something goes wrong later, you can call or visit again. Banks expect follow-up questions.
When will my card arrive?
Can you help me set up the app?
Who should I contact if I have a problem?
Common questions
Can I open an account before I arrive?
Some banks may let you start the process before you arrive and finish it later. This depends on the bank. Check their website or contact them directly to ask what is possible.
What if I don't understand the staff member?
That is very normal. You can ask them to slow down, repeat, or write things down. You can also ask if they have information in other languages. Staff are used to helping newcomers.
Do I have to decide on the spot?
No. You can ask questions, take information home and come back later. Choosing an account is your decision. Take the time you need.