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

The authorised deposit-taking institutions (ADIs) listed below 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 accounts, up to a total value of $250,000.

Usually, accounts are offered under the name of the ADI, however some ADIs also offer accounts marketed under a different name. For example, ADIs may offer accounts under a trading name, the name of a subsidiary of the ADI, or some other party that provides access to the ADI's account product. Some of these different names are listed below as dot points under the relevant ADI.

When determining whether the total value of all your 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 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.

This list was last updated on 20 March 2019.

Australian owned authorised deposit-taking institutions

  • AMP Bank Ltd
  • Australia and New Zealand Banking Group Limited*
  • Australian Central Credit Union Ltd (trading as People's Choice Credit Union)
  • Australian Military Bank Ltd
    • RSL Money
  • Australian Settlements Limited (provides industry services)
  • Australian Unity Bank Limited
  • Auswide Bank Ltd
    • Queensland Professional Credit Union Ltd
  • B&E Ltd (trading as Bank of us)
  • Bananacoast Community Credit Union Ltd
  • Bank Australia Limited
  • Bank of Queensland Limited
    • BOQ Specialists (BOQS)
  • Bendigo and Adelaide Bank Limited
    • Adelaide Bank
    • Alliance Bank
    • AWA Alliance Bank
    • BDCU Alliance Bank
    • Bendigo Bank
    • Circle Alliance Bank
    • Community Sector Banking
    • Delphi Bank
    • Service One Alliance Bank
  • Cairns Penny Savings & Loans Limited (provides general banking services)
  • Central Murray Credit Union Limited
  • Central West Credit Union Limited
  • Coastline Credit Union Limited
  • Commonwealth Bank of Australia*
    • Bankwest
  • Community CPS Australia Limited (trading as Beyond Bank Australia)
  • Community First Credit Union Limited
  • Credit Union Australia Ltd
  • Credit Union SA Ltd
  • Cuscal Limited (provides industry services)
  • Defence Bank Limited
  • Dnister Ukrainian Credit Co-operative Limited
  • EECU Limited (trading as Nexus Mutual)
  • Endeavour Mutual Bank Ltd
  • Family First Credit Union Limited
  • Fire Service Credit Union Limited
  • Firefighters & Affiliates Credit Co-operative 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
  • Goldfields Money Limited
  • Goulburn Murray Credit Union Co-operative Limited
  • Greater Bank Limited
  • Heritage Bank Limited
  • Holiday Coast Credit Union Ltd
  • Horizon Credit Union Ltd
  • Hume Bank Limited
  • Hunter United Employees' Credit Union Limited
  • IMB Ltd (trading as IMB Bank)
    • The Shire
  • Illawarra Credit Union Limited
  • Indue Ltd
  • Laboratories Credit Union Limited
  • Lithuanian Co-operative Credit Society "Talka" Limited
  • Lutheran Laypeople's League of Australia
  • Lysaght Credit Union Ltd
  • MacArthur Credit Union Ltd
  • Macquarie Bank Limited
  • Macquarie Credit Union Limited
  • Maitland Mutual Buiding Society Limited
  • MCU Ltd
  • Members Banking Group Limited (trading as RACQ Bank)
  • Members Equity Bank Limited
  • MyLifeMyFinance Limited
  • MyState Bank Limited
    • The Rock
  • National Australia Bank Limited*
    • Ubank
  • Newcastle Permanent Building Society Limited
  • Northern Inland Credit Union Limited
  • Orange Credit Union Limited
  • Police Bank Ltd (trading as Border Bank)
  • Police Credit Union Limited
  • Police Financial Services Limited (trading as BankVic)
  • Police & Nurses Limited (trading as P&N Bank)
  • Pulse Credit Union Limited
  • QPCU Limited (trading as QBANK)
  • Qudos Mutual Ltd (trading as Qudos Bank)
  • Queensland Country Credit Union Limited
  • Railways Credit Union Limited (trading as MOVE)
  • Regional Australia Bank Ltd
  • Rural Bank Limited (a subsidiary of Bendigo and Adelaide Bank Limited)
  • South West Slopes Credit Union Ltd
  • Southern Cross Credit Union Ltd
  • South-West Credit Union Co-Operative Limited
  • Summerland Financial Services Limited (trading as Summerland Credit Union)
  • Suncorp-Metway Limited
  • Sydney Credit Union Ltd
  • Teachers Mutual Bank Limited (trading as Firefighters Mutual Bank and UniBank)
  • The Broken Hill Community Credit Union Ltd
  • The Capricornian Ltd
  • The Gympie Credit Union Ltd
  • Traditional Credit Union Limited
  • Transport Mutual Credit Union Limited
  • Tyro Payments Limited
  • Unity Bank Limited
    • Reliance Bank
  • Victoria Teachers Limited (trading as Bank First)
  • volt bank Limited
  • Warwick Credit Union Ltd
  • WAW Credit Union Co-Operative Limited
  • Westpac Banking Corporation*
    • Bank of Melbourne
    • BankSA
    • St George Bank
  • Woolworths Employees' Credit Union Limited

Foreign subsidiary banks

  • Arab Bank Australia Limited
  • Bank of China (Australia) Limited
  • Bank of Sydney Ltd
  • Citigroup Pty Limited
  • HSBC Bank Australia Limited
  • ING Bank (Australia) Limited (trading as ING)
  • Rabobank Australia Limited
    • RaboDirect

Note that 'Bank of China Ltd', 'Citibank N.A.' and 'ING Bank N.V.' are branches of foreign banks and are not covered by the Financial Claims Scheme.