Savings Account Online ID Verification

nokia3660 on 16/02/2023 - 00:16
Last edited 16/02/2023 - 08:37 by 1 other user

Any idea how the online ID verification is done while opening a savings account? In two separate instances with two different banks they were unable to verify the details from a Medicare card. Unfortunately, that is the only ID available from the list of eligible IDs.

Previously I was able to open account using DL (which had since expired) & Medicare. Do the banks use CRAs for this as well? Having had no credit card how likely is it that they have a record? Would the previous saving accounts have created an entry?

Also is it possible to request for ones details to be added into the CRA after proper verification?

P.S: I am aware that I could still do the ID verification in the branch, but looking for a long term solution.

• 

  cookie2 on 16/02/2023 - 07:14

  +4

  Best long term solution is to renew your driver's licence because you'll need it for other id checks as well and if all you have in general as id is a Medicare card, you're going to have issues again.

  • 

    djsweet on 16/02/2023 - 10:07

    +1

    Pretty sure Drivers Licenses are not intended or authorised to be used for matters other than policing.

    • 

      Typical16-bitEnjoyer on 16/02/2023 - 14:32

      They're not intended for ID purposes, but it's certainly a very handy and quick way for someone to photo ID themselves if they choose to - it comes in a small plastic rectangle that fits in your pocket!

    • 

      kiwiyonip on 16/02/2023 - 22:57

      Pretty sure? How sure?
      Banks still ask for driver's licenses, pretty sure they're not policing…

      • 

        djsweet on 16/02/2023 - 23:01

        Pretty sure, as in certain. It is printed on the back of my license.

        • 

          kerfuffle on 16/02/2023 - 23:17

          @djsweet: No it doesn’t. Unless you got yours after 2017, when I last renewed mine.

          Source: Also have a NSW driver licence, as per your location.

          • 

            djsweet on 17/02/2023 - 09:14

            @kerfuffle: As it happens mine is post 2017

• 

  payless69 on 16/02/2023 - 07:50

  +5

  Just use Optus
  And everybody has your details….

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  Typical16-bitEnjoyer on 16/02/2023 - 08:17

  +2

  Make sure your input your name exactly as is on the medicare care.

  ie. "John C Smith" and not "John Christopher Smith" - exactly as the card shows.

  • 

    JimmyF on 16/02/2023 - 09:06

    ^^^ THIS

    OP needs to enter the name exactly as it is shown on the card, nothing more, nothing less. Otherwise it fails.

  • 

    nokia3660 on 16/02/2023 - 11:22

    Trust me it is exactly as it is on the card. I double triple checked

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  kiwiyonip on 16/02/2023 - 10:06

  Medicard verification almost always doesn't work!

  Use your customer ref/driver's license instead.

  Australian govts have a couple of dozen verifications on their websites that make it so difficult of a non-techy to use, and yet these website users
  still get scammed.

  • 

    Typical16-bitEnjoyer on 16/02/2023 - 14:28

    Has always worked for me.

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  Ocker on 16/02/2023 - 11:54

  Maybe card has expired?
  Regardless, log into the Medicare portal on the MyGov website, and you can see an image of your card. If all checks with your card then I have no idea!!

  • 

    nokia3660 on 16/02/2023 - 13:50

    yea, that's what I did. would the fact that the first name and the last name appear as 2 separate lines make any difference?

    • 

      Typical16-bitEnjoyer on 16/02/2023 - 14:27

      If your name is on 2 separate lines and it's not an extremely long cultural name, then there's definitely a problem

      • 

        nokia3660 on 16/02/2023 - 14:59

        nah, they couldn't fit the name in a single line. The first name is 8char long and the last name is 17char long

    • 

      Ocker on 16/02/2023 - 17:33

      Don't really know but reckon it may help if you point that out when they ask for your details?

      • 

        nokia3660 on 16/02/2023 - 18:34

        oh well, got to go to the branch now.

        • 

          [Deactivated] on 16/02/2023 - 23:03

          @nokia3660: You should have gone yesterday

          • 

            nokia3660 on 16/02/2023 - 23:21

            @[Deactivated]: haha.. me going to branch was inevitable. This post was to prepare for the next bank that tops the savings interest rate.