Net bank accounts

See a list of the top bank accounts with access to Internet banking

Updated: 01.09.2026

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ANZ Bank

ANZ Internet Banking

💰 Fees & Rates

  • No standalone fees for using Internet Banking
  • Standard account and transaction fees may apply depending on linked ANZ products

📋 Important Terms

  • Available for both personal and business banking customers
  • Enables transfers, bill payments, and account management online
  • Access to account statements and transaction history
  • Supports card management including replacement requests
  • Accessible via desktop, tablet, and mobile browsers
  • Requires active ANZ account to use services

💡 Adviser’s Tip

Olesya Krasavtseva
Olesya Krasavtseva Analytic & Editor at Prostobank Consulting

This is a standard online banking platform comparable to digital banking services offered by Canadian Big Five banks such as RBC or TD. Its main advantage is convenient 24/7 access to essential banking functions across devices. However, it lacks advanced financial management tools and innovations found in more modern app-based ecosystems. It is best suited for customers who prefer managing their finances through a web interface rather than mobile apps, and those seeking basic, reliable online banking functionality.

Australian Mutual Bank

Internet Banking

💰 Fees & Rates

No monthly or annual subscription fees for basic access Transaction fees for international payments via Convera apply Possible fees for specialized services requested through the platform

📋 Important Terms

Secure 24/7 access to accounts worldwide Registration required online or by phone SMS Verification Security enabled for enhanced safety Supports account balance viewing, printing transaction history, and card activation Integrated international payment facility through Convera

💡 Adviser’s Tip

Olesya Krasavtseva
Olesya Krasavtseva Analytic & Editor at Prostobank Consulting
Australian Mutual Bank's Internet Banking platform provides a reliable digital experience that effectively mirrors the core functionality offered by "Big Four" banks like CBA or Westpac. Its main advantage is the clear presentation of interest earned or charged and the smooth integration of card management tools. However, the interface may lack some of the advanced AI-driven financial insights found in newer "Big Four" apps. This service is best suited for members who require a secure, practical, and comprehensive tool for managing their day-to-day finances from anywhere in the world.

Bank Australia

Internet banking

💰 Fees & Rates

Manually enabled SMS alerts: $0,25 per alert One-time passwords (OTP): $0

📋 Important Terms

Users must change their password within the first 30 days of registration. Account access is temporarily blocked for the day after three incorrect password attempts. Transfers greater than $5000 (or $10000 for BPAY) require downloading the Symantec VIP app for extra security. Potentially fraudulent payments via Osko, PayID, or PayTo may be held for 24 hours.

💡 Adviser’s Tip

Olesya Krasavtseva
Olesya Krasavtseva Analytic & Editor at Prostobank Consulting
Bank Australia's Internet Banking platform offers a secure and functional digital banking experience. Its main advantage is the strong emphasis on security, featuring 24/7 fraud monitoring and mandatory two-factor authentication for large transactions via the Symantec VIP app. The primary disadvantage is the $0,25 charge for optional SMS alerts, a feature that is often free with other institutions. When compared to the digital platforms of the Big Four banks (Commonwealth Bank, NAB, ANZ, Westpac Bank), Bank Australia provides all the essential transaction capabilities like Osko and PayID, though it relies on a third-party app for high-value transfer authentication rather than built-in app tokens. This service is a mandatory and useful tool for all Bank Australia customers wanting to manage their accounts, transfer funds, and monitor balances securely online.

Bank of Melbourne

Internet Banking

Beyond Bank Australia

Internet Banking

BOQ Specialist

Online Banking

Commonwealth Bank (CBA)

NetBank

Defence Bank

Online Banking

Greater Bank

Online Banking

ING Bank

Online banking

NAB

NAB Internet Banking

Sum: $100,000

St. George Bank

Internet Banking

Westpac Bank

Westpac Online Banking

Video Guides

Watch our expert video reviews to navigate Australian banking with ease.

Who offers the best online banking in Australia?

Our analysts have analyzed Internet banking from financial institutions in Australia and prepared the best offers on this web page from CommBank, ANZ, Westpac Bank, NAB, Up Bank and others.

When determining the leaders, we took into account tariffs for basic banking operations, as well as the functionality of the systems, including the following functions:

  • Account Management
  • Transfers and Payments
  • Bill Payment and BPAY
  • Account Alerts and Notifications
  • Secure Messaging and other Tools
  • Budgeting and Financial Management Tools
  • Online Statements and Documents
  • Customer Support

You can also place free funds on a savings account.

Calculate your future income on a savings account (example): 

Amount, $ Rate, % Accrued %, $
20,000 2.95% 590
20,000 3.00% 600
20,000 3.05% 610
50,000 3.10% 1,550
50,000 3.15% 1,575
50,000 3.20% 1,600
100,000 3.25% 3,250
100,000 3.30% 3,300
100,000 3.35% 3,350
200,000 3.40% 6,800
200,000 3.45% 6,900
200,000 3.50% 7,000

Can I open a bank account online in Internet banking?

Yes, many Australian financial institutions offer individuals to open a bank account online via Internet banking systems. It typically involves filling out an online application form and providing the required identification and documentation electronically.

What are the log-on requisites for online banking in Australian banks?

To log in you usually need to enter your User ID and the Password.

Some banks may allow you to set up two-factor authentication methods (SMS, email) or Biometric Authentication (fingerprint or facial recognition).

You can also be interested in popular FAQ on similar banking products: 

Contacts of companies offering the financial services:

ANZ Bank

Address: 833 Collins Street

Contact: 13-13-14

Web: www.anz.com

SWIFT: ANZBAU3M

Stock: ANZ

Australian Mutual Bank

Address: 59 Buckingham St

Contact: 13 61 91

Web: australianmutual.bank

SWIFT: CUSCAU2S

Bank Australia

Address: 222 High Street

Contact: 132 888

Web: bankaust.com.au

SWIFT: CUSCAU2S

Bank of Melbourne

Address: 525 Collins Street

Contact: 13 22 66

Web: www.bankofmelbourne.com.au

SWIFT: SGBLAU2S

Stock: WBC

Beyond Bank Australia

Address: 100 Waymouth St

Contact: 13 25 85

Web: www.beyondbank.com.au

SWIFT: CUSCAU2S

BOQ Specialist

Address: 255 George St

Contact: 1 300 160 160

Web: www.boqspecialist.com.au

SWIFT: QBANAU4B

Stock: BOQ

Commonwealth Bank (CBA)

Address: 1 Harbour St

Contact: 13 22 21

Web: www.commbank.com.au

SWIFT: CTBAAU2S

Stock: CBA

Defence Bank

Address: 31 Queen St

Contact: 1 800 033 139

Web: www.defencebank.com.au

Greater Bank

Address: 103 Tudor Street

Contact: 13 13 86

Web: www.greater.com.au

SWIFT: ASLLAU2CGBS

ING Bank

Address: 60 Margaret St

Contact: 13 34 64

Web: www.ing.com.au

SWIFT: INGBAU2S

Stock: INGA (AMS)

NAB

Address: 800 Bourke Street

Contact: 13 22 65

Web: www.nab.com.au

SWIFT: NATAAU33

Stock: NAB

St. George Bank

Address: 275 Kent Street

Contact: 13 33 30

Web: www.stgeorge.com.au

SWIFT: SGBLAU2S

Stock: WBC

Westpac Bank

Address: 275 Kent Street

Contact: 13 20 32

Web: www.westpac.com.au

SWIFT: WPACAU2S

Stock: WBC

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