List of authorised deposit-taking institutions covered under the Financial Claims Scheme

The authorised deposit-taking institutions (ADIs) listed at the bottom of this page are all covered under the Financial Claims Scheme (the FCS). 

The FCS protects money held by an account-holder with an ADI, whether in one or more protected accounts, up to a total value of $250,000. Click here to find out more about which types of accounts are protected under the FCS.

Typically, accounts are offered under the name of the ADI itself, however some ADIs also offer accounts marketed under a different name in a variety of ways. These may include:

• ADIs offering protected accounts under one or more trading names, which are covered by the FCS (e.g. BankWest being another trading name for the Commonwealth Bank of Australia). Different ADI trading names are listed below under the relevant ADI. 
   
• ADIs offering accounts under the name of a different company (that is not an ADI) - such as a subsidiary of the ADI (e.g. Westpac offering accounts through RAMS). Provided the protected account is with the ADI (in this example, Westpac), it will be covered by the FCS. 
   
• ADIs offering accounts branded or marketed under the name of a third party, (e.g. Bank of Queensland offering accounts under the “Virgin Money Australia” name, or National Australia Bank offering accounts under the “Citi” name).  Again, provided the protected account is actually with the ADI (in these examples, Bank of Queensland or National Australia Bank), it will be covered by the FCS.

APRA strongly recommends that you check the terms and conditions of your specific product and contact your ADI directly if you have any questions about whether particular accounts are covered under the FCS.

When determining whether the total value of all your protected accounts with an ADI is below the $250,000 limit, it is important to include any accounts that you hold which have been marketed by the ADI under a different name.

The FCS also applies to protected accounts which a Restricted ADI may offer (denoted below with an asterisk*). A Restricted ADI is authorised by APRA to conduct banking business in Australia for a limited period with products that are not available to the general public and subject to specific requirements and restrictions, including the amounts of deposits that can be taken. It is important for customers to check the terms and conditions of their specific product to determine if it is protected under the FCS.

The information on this page is not intended to be the only source of information when checking whether your accounts are covered under the FCS.  Although APRA endeavours to keep this list updated, we cannot guarantee that it includes all of the names each ADI uses to provide accounts covered by the FCS. This list does not include names of subsidiaries or third parties that each ADI may use to provide accounts covered by the FCS. 

This list below contains ADIs and their trading names and was last updated on 18 September 2024.

• Alex Bank Pty Limited
• AMP Bank Ltd
• Arab Bank Australia Limited
• Australia and New Zealand Banking Group Limited
• Australian Military Bank Ltd
  • RSL Money
• Australian Mutual Bank Limited (trading as Endeavour Mutual Bank and Sydney Mutual Bank)
• Australian Settlements Limited (provides industry services)
• Australian Unity Bank Limited
• Auswide Bank Ltd
  • Queensland Professional Credit Union Ltd
• Avenue Bank Limited
• B&E Ltd (trading as Bank of us)
• Bank Australia Limited
• Bank of China (Australia) Limited
• Bank of Queensland Limited
  • BOQ Specialist (BOQS)
  • ME Bank
• Bank of Sydney Ltd
• Bendigo and Adelaide Bank Limited
  • Adelaide Bank
  • Bendigo Bank
  • Rural Bank
  • Up Bank
• Beyond Bank Australia
  • AWA Alliance Bank
  • Nexus Mutual
• BNK Banking Corporation Limited (previously Goldfields Money Limited)
  • Goldfields Money
• Cairns Penny Savings & Loans Limited (trading as Cairns Bank)
• Central Murray Credit Union Limited
• Central West Credit Union Limited
• Coastline Credit Union Limited
• Commonwealth Bank of Australia
  • Bankwest
• Community First Credit Union Limited
  • Community First Bank
  • Easy Street Financial Services
• Credit Union Australia Ltd (trading as Great Southern Bank)
• Credit Union SA Ltd
• Cuscal Limited (provides industry services)
• Defence Bank Limited
• Dnister Ukrainian Credit Co-operative Limited
• Family First Credit Union Limited
  • Family First Bank
• Fire Service Credit Union Limited
• First Choice Credit Union Ltd
• First Option Bank Ltd
• Ford Co-operative Credit Society Limited (trading as Geelong Bank)
• G&C Mutual Bank Limited
• Gateway Bank Ltd
• Goulburn Murray Credit Union Co-operative Limited
• Heartland Bank Australia Limited (previously Challenger Bank Limited / MyLifeMyFinance Limited)
• Heritage and People’s Choice Limited
  • Heritage Bank
  • People’s Choice Credit Union
  • People First Bank
• Horizon Credit Union Ltd (trading as Horizon Bank)
• HSBC Bank Australia Limited
• Hume Bank Limited
• IMB Ltd (trading as IMB Bank)
  • The Shire
• Illawarra Credit Union Limited
• in1bank Ltd
• Indue Ltd
• ING Bank (Australia) Limited (trading as ING)
• Judo Bank Pty Ltd
• Laboratories Credit Union Limited
• Lutheran Laypeople's League of Australia
• MacArthur Credit Union Ltd (trading as The MAC)
• Macquarie Bank Limited
• Maitland Mutual Limited (trading as The Mutual Bank)
• Members Banking Group Limited (trading as RACQ Bank)
• MyState Bank Limited
• National Australia Bank Limited
  • Ubank
• Newcastle Greater Mutual Group Ltd
  • Newcastle Permanent
  • Greater Bank
• Norfina Limited (trading as Suncorp Bank)
• Northern Inland Credit Union Limited
• Orange Credit Union Limited (trading as Bank Orange)
• Police Bank Ltd (trading as Border Bank and Bank of Heritage Isle)
• Police Credit Union Limited
• Police Financial Services Limited (trading as BankVic)
• Police & Nurses Limited (trading as P&N Bank, and BCU Bank)
• Pulse Credit Union Limited
• QPCU Limited (trading as QBANK)
• Qudos Mutual Ltd (trading as Qudos Bank)
• Queensland Country Bank Limited
• Rabobank Australia Limited
• Railways Credit Union Limited (trading as MOVE)
• Regional Australia Bank Ltd
• South West Slopes Credit Union Ltd (trading as SWSBANK)
• Southern Cross Credit Union Ltd
• Summerland Financial Services Limited (trading as Summerland Credit Union)
• Teachers Mutual Bank Limited (trading as Firefighters Mutual Bank, Health Professionals Bank, Hiver Bank, Teachers Mutual Bank and UniBank)
• The Broken Hill Community Credit Union Ltd (trading as Broken Hill Bank)
• The Capricornian Ltd
• Traditional Credit Union Limited
• Transport Mutual Credit Union Limited
• Tyro Payments Limited
• Unity Bank Limited (trading as Reliance Bank, Bankstown City Unity Bank and Unity Bank)
• Victoria Teachers Limited (trading as Bank First)
• Warwick Credit Union Ltd
  • Dalby Credit Union 
  • Gympie Credit Union
• WAW Credit Union Co-Operative Limited
  • BankWAW 
• Westpac Banking Corporation
  • Bank of Melbourne
  • BankSA
  • St George Bank
• Woolworths Team Bank Limited