In this work, ANSYS WORKBENCH finite element analysis is used to construct and solve the problems related with the surface crack in round bars under combined bending and torsion moments. The solutions of stress intensity factors under combined loading are then compared with the results combined explicitly from the individual loading. Based on the observations, the pattern of all stress intensity factor is symmetrical and there are some discrepancies between both results as maximum as 4% where the combined stress intensity factors obtained directly from finite element analysis is always higher than the stress intensity factors obtained explicitly. However, for the case of area close to the outer surface, the stress intensity factors from both methods are well agreed to each other