Banks are open weekdays (Monday to Friday, excluding public holidays) with some offering services on weekends. Some smaller towns may have limited banking facilities provided by authorised bank agencies, typically at the local post office or newsagent.

The Australian banking sector is dominated by four major banks - ANZ, Commonwealth, National and Westpac. They are well represented throughout Victoria and the rest of Australia.

Automatic teller machines (ATMs) belonging to banks in Australia are located at many of their branches and also at other locations, such as in shopping centres and convenience stores. Several independent financial institutions provide ATMs that any bank customer can use for a small fee. They are typically located within clubs, restaurants, service stations, newsagents and shopping centres.

Australian-owned retail banks operating in Victoria

Bank	Divisions or subsidiaries
AMP Bank
ANZ
Bank Australia
Bank of Queensland
Bendigo Bank	Rural Bank
Commonwealth Bank	Bankwest
ME Bank
National Australia Bank	UBank
Suncorp Bank
Westpac	Bank of Melbourne