The 100 point check is Australia’s standardised method of proving an individual’s identity and is implemented to combat financial transaction fraud. Snug uses the 100 point check to ensure the identities of its members, and to provide security to both renters and property managers, minimising chance of financial fraud.
The 100 point check comprises of two sections, primary documents (worth 70 points), and secondary documents (worth 25-40 points).
To pass the 100 point check, individuals must provide one form of a primary document, and any secondary documents, provided they are valid and collectively add up to at least 100 points.
Primary documents (Category A)
Only one of the following may be claimed:
- Birth certificate
- Birth card issued by a Registry of Births, Deaths and Marriages
- Citizenship certificate
- Current passport
- Expired passport which has not been cancelled and was current within the preceding 2 years
- Other document of identity having the same characteristics as a passport including diplomatic documents and some documents issued to refugees
Secondary documents (Category B)
- Document issued by Authorised Deposit-Taking Institutions (ADIs), banks, building societies, credit unions or registered corporations. Signatory is a known customer of at least 12 months standing.
- Written reference from one of the following institutions, verifying name of signatory and signed by both referee and signatory. Signatory must be known for at least 12 months.
- Another financial body certifying that the signatory is a known customer
- Another customer who has been verified as a signatory by the cash dealer
- An acceptable referee (refer to AUSTRAC Guideline No. 3 and Information Circular No. 3)
- Any of the following, which must contain a photograph and a name. Additional documents from this category are awarded 25 points.
- Driver licence issued by an Australian State or Territory
- Licence or permit issued under a law of the Commonwealth, a State or Territory government - (e.g. a boat licence)
- Identification card issued to a public employee
- Identification card issued by the Commonwealth, a State or Territory government as evidence of the person's entitlement to a financial benefit
- An identification card issued to a student at a tertiary education institution
- Name and address of signatory verified from any of the following:
- A document held by the cash dealer giving security over the signatory’s property
- A mortgage or other instrument of security held by another financial body
- Must have name and address on:
- A document held by a cash dealer giving security over your property
- A mortgage or other instrument of security held by a financial body
- Local government (council) land tax or rates notice
- Document from your current employer or previous employer within the last 2 years
- Land Titles Office record
- Document from the Credit Reference Association of Australia
- Must have name and signature on:
- Marriage certificate (for maiden name only)
- Foreign driver licence
- Medicare card (signature not required on Medicare card)
- Membership to a registered club
- NRMA membership
- EFTPOS card
- Must have name and address on:
- Electoral roll compiled by the Australian Electoral Commission and available for public scrutiny
- Records of a public utility - phone, water, gas or electricity bill
- Records of a financial institution
- A record held under a law other than a law relating to land titles
- Lease/rent agreement
- Rent receipt from a licensed real estate agent
- Must have name and date of birth on:
- Record of a primary, secondary or tertiary educational institution attended by the applicant within the last 10 years
- Record of professional or trade association of which the applicant is a member
Snug appreciates member privacy, and takes efforts to ensure the privacy of its members and their information. We adhere to the Australian Privacy Principles contained in the Privacy Act 1998 (Cth), and to the extent applicable, the EU General Data Protection Regulation.
Snug takes security seriously, and is committed to ensuring the member’s information is secure. As such, Snug uses fully encrypted, bank-level, 256 bit security to protect its members’ data.
Your data is not sold, or passed to anyone outside of Snug without your consent.