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How the Bank verifies your identity and your right to choose the identification method

    • The Bank is required by the Anti-Money Laundering and Counter-Terrorism Act 2006 (Cth), other anti-money laundering, counter-terrorism funding, regulations or other instruments, to collect information about you and verify your identity before it can provide you with financial services.
    • By choosing to apply for this product you confirm that you have the authority to provide the personal details associated with this application.
    • You can choose to visit a branch to complete the identification process. If you do not wish to attend in person and verify your identity in a branch, the Bank can verify your identity electronically. In order to do so, the Bank will ask you for your identity information, which may include details from your identification documents and biometric information limited to a photograph of your face. This information will be passed to external service providers and other organisations in order to electronically match your information with identification data on their databases (which include fraud watchlists). These external service providers and organisations will assess and advise the Bank whether all or some of the information you provided match their records and/or information held by the issuer or official record holder. We will advise you if the Bank is unable to verify your identity electronically and you will need to visit a branch to complete the identification process.
    • If you choose not to proceed with either method of identification, your identity information will not be collected and the Bank will be unable to verify your identity and provide you with financial services.
    • Please note that providing false or misleading information about your identity is an offence under the Anti-Money Laundering and Counter-Terrorism Act 2006 (Cth).

    Find out more on our online ID check process 

  • Your right to consent to online verification

    • If you choose to proceed with online identification you agree that the Bank may collect, store, use and disclose:
      • information from your identity documents; and
      • biometric information limited to a photograph of your face (consent to this effect will be gathered separately).
    • If you do not wish to consent for online verification, please contact our customer relations team who will handle your enquiry - CustomerRelations@cba.com.au.

  • Who we may exchange your information with

    • In order to complete your online identification, the Bank will exchange the information from your identity documents and/or biometric information limited to a photograph of your face, with external service providers and organisations, including:
      • credit reporting agencies;
      • Commonwealth and state government departments;
      • independent, private-sector organisations; and
      • outsourced service providers (GBG, Equifax and Daon) who co-ordinate the electronic identification process and who may conduct additional matches against public or proprietary databases.
    • By clicking ‘Get started’ and applying, you consent to your identity information being verified in accordance with the process described above – see ‘How the Bank verifies your identify and your right to choose the identification method’.  
    • By proceeding with online identification, you permit these external service providers and organisations to record, use and disclose your information in accordance with their own privacy policies and legal obligations. See our Group Privacy Statement for more information on the collection, use and sharing of your information with external service providers and other organisations.
    • Some of these external service providers and other organisations operate outside of Australia, and as such, we may send your identity information overseas. For a list of countries where we may send your identity information, please refer to our Group Privacy Statement.
    • Neither the Bank nor its outsourced service providers will access records held about you by these external service providers and other organisations other than for the purpose of matching the identifying information you have chosen to enter through this website.

  • Checking your details with Credit Reporting Agencies

    • The Bank will provide your name, address and date of birth to selected credit reporting agencies so they can match this information against their records. We do this only to verify your identity as required by the Anti-Money Laundering and Counter-Terrorism Act 2006 (Cth). By agreeing to proceed with online identification, you consent to us sending your information to credit reporting agencies for this purpose.
    • If you apply for credit, the Bank will advise you separately if it checks your creditworthiness against information held by any credit reporting agency.

  • Our Group Privacy Statement

    Our Group Privacy Statement is available on our website at commbank.com.au or upon request from any branch of the Bank, and should be read in conjunction with the above. It contains further details about our information collection and handling practices including information about:

    • other ways we may collect, use or exchange your information;
    • how you may access and seek correction of your information;
    • how to make a complaint about a breach of your privacy rights; and
    • our complaint handling procedures.

  • How to contact us

    For privacy related enquiries, please contact the Commonwealth Bank of Australia ABN 48 123 123 124 by:

    • Email at CustomerRelations@cba.com.au;
    • Telephone 1800 805 605; or
    • Writing to CBA Group Customer Relations, Reply Paid 41, Sydney, NSW, 2001.