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NAB PERSONAL BANKING


WELCOME TO NAB 

We've been here for our customers' personal and business banking needs for over
160 years.








HOW CAN WE ASSIST?

Select the personal banking or business banking tab to view our most popular
banking products and services.
Select the personal banking or business banking tab to view our most popular
banking products and services.
Personal bankingBusiness banking


 * LOANS AND FINANCE
   
    * Business loans
    * Business overdrafts
    * Vehicle and equipment finance
    * View all business loans and finance


 * BUSINESS CREDIT CARDS
   
    * Business credit card benefits
    * Compare business credit cards
    * Manage your credit card
    * View all business credit cards


 * BUSINESS BANK ACCOUNTS
   
    * Business transaction accounts
    * Savings and deposit accounts
    * Foreign currency account
    * View all business bank accounts


 * INDUSTRY SPECIFIC BANKING
   
    * Agribusiness
    * Healthcare
    * Commercial real estate
    * View all industry specific banking


 * HOME LOANS
   
    * Book an appointment
    * Offers
    * How much can I borrow?
    * View all home loans


 * CREDIT CARDS
   
    * Help me choose a credit card
    * Compare credit cards
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    * View all credit cards


 * BANK ACCOUNTS
   
    * Transaction accounts
    * Savings accounts
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    * View all bank accounts


 * PERSONAL LOANS
   
    * Borrowing power calculator
    * Loan repayment calculator
    * Debt consolidation calculator
    * View all personal loans


MANAGING CHANGES TO YOUR HOME LOAN REPAYMENTS

Let us show you ways you can prepare for interest rate changes, manage your
repayments or get support. Learn how.

How to manage your home loan


OFFER
NAB BASE VARIABLE RATE HOME LOAN

Save money with a low rate, no application or ongoing fees.

Variable rate


3.44 % p.a.







Comparison rate *View Disclaimer 1

3.48 % p.a.







Offer available to new owner-occupier, principal and interest home loans where
the customer takes a NAB Base Variable Rate Home Loan and has a deposit of 20%
or more of the property value. *View Disclaimer 2

Book an appointment
View NAB variable rate details
NEW
NAB NOW PAY LATER

Use NAB Now Pay Later to automatically split a purchase into four simple
repayments.

 * No interest or late fees
 * Shop anywhere
 * Up to a $1,000 limit

Learn about NAB Now Pay Later




REACH YOUR MONEY GOALS

No matter what stage of life you’re in, we have information to help manage your
money and set good savings habits.


SPRIGGY – MONEY SKILLS FOR KIDS

Learn more about how Spriggy can help kids with their financial literacy.


SAVINGS ACCOUNTS

Whatever you're saving for, our savings accounts can help get you there sooner.


MONEY AND BANKING BASICS

Information, tools and tips to help you learn and understand money and banking
basics.

View all life moments


ONLINE BANKING WAYS TO BANK

Banking online means you can bank anywhere, anytime. It’s secure and convenient,
so get started today.


NAB INTERNET BANKING

Do everyday banking tasks and keep track of your finances with internet banking
on your computer or tablet.


NAB APP

Manage your banking on the go with our mobile banking app on your smartphone.


HOW TO USE NAB ONLINE BANKING

Learn how to do simple banking tasks online using NAB Internet Banking or the
NAB app.

View all online banking


MANAGE YOUR PERSONAL BANKING

Use our personal banking calculators and tools to help you choose the right
product and view the latest interest rates and fees for our personal banking
products.

View interest rates and fees


HELP AND SUPPORT SERVICES

Need some help with your banking? Explore the services and expertise we offer
customers.


FINANCIAL HARDSHIP

If you’re experiencing financial difficulty, there are some ways we can help.


ACCESSIBILITY

Find out what we’re doing to become a more accessible and inclusive
organisation.


SECURITY AT NAB

Learn how to stay safe online with our security tips or contact us to report
fraud and scams.


CUSTOMER SUPPORT

Discover how we can provide support for our customers in times of need.

View all help and support

--------------------------------------------------------------------------------


HOW TO CONTACT US


PERSONAL BANKING CONTACTS

Questions or enquiries?

View all personal contact options


FIND US

Branches, opening hours and ATMs

Find a NAB branch or ATM


FEEDBACK

Suggestions, compliments and complaints

Provide feedback


INTERPRETERS AVAILABLE

Do you have limited English? We have interpreter services that can help. When
you call us, just say “I need an interpreter” and we’ll arrange for someone to
help with your banking enquiries.
 

 * 普通话
 * 한국어

 * Italiano
 * 日本語

View all languages


COVID-19 SUPPORT

If you or your business has been impacted by Coronavirus (COVID-19), we’re here
to help.

View COVID-19 support

MOST POPULAR
CALCULATE REPAYMENTS ON A BUSINESS LOAN

Estimate your repayments on a NAB secured or unsecured business loan to help you
fund assets and service your business needs, including:

 * Vehicles and equipment

 * Commercial property and real estate

 * IT and marketing

Get an estimate in less than 1 minute.
Business loans repayment calculator



MAKE IDEAS MORE

Like to talk to a NAB Business Expert about your plans for the future? We'd love
to support you. We can call you, or you can book a time to meet a business
banker in person or on a video call.

Request an appointment




BANKING FOR DIFFERENT STAGES OF YOUR BUSINESS

Helpful guides to help start, grow and manage your business for long-term
success.


STARTING A NEW BUSINESS

Use our guides, tips, tools and calculators to help you start a new business.


GROWING YOUR BUSINESS

Whether you’re hiring staff or securing financing, our tips can help you grow
your business.


SMALL BUSINESS LOANS - WHAT TO KNOW BEFORE APPLYING

Considering business finance? Everything you should know before applying.

View all business moments


ONLINE BANKING WAYS TO BANK

Banking online means you can bank anywhere, anytime. It’s secure and convenient,
so get started today.


NAB INTERNET BANKING

Do everyday banking tasks and keep track of your finances with internet banking
on your computer or tablet.


NAB CONNECT MOBILE

Manage business payments on the go with our business banking app, NAB Connect
Mobile.


ACCOUNTING PACKAGE INTEGRATION

Reconcile your accounts easily with transaction data feeds direct to your
accounting package.

View all online business banking


MANAGE YOUR BUSINESS BANKING

Use our business banking calculators and tools to help you choose the right
product and view the latest interest rates and fees for our business banking
products.

View interest rates and fees


HELP AND SUPPORT SERVICES

Need some help with your business banking? Explore the services and expertise we
offer customers needing a bit of help and support.


FINANCIAL HARDSHIP FOR BUSINESS

If you think you might miss a payment, or believe you’re in financial
difficulty, there are ways we can help.


BUSINESS CYBER SECURITY HUB

Keep your business and customer information safe with security tips to help
prevent fraud.


MERCHANT SUPPORT CENTRE

Troubleshooting guides for EFTPOS terminals and information about merchant
services including chargebacks and surcharging.

View all help and support

--------------------------------------------------------------------------------


HOW TO CONTACT US


BUSINESS BANKING CONTACTS

Questions or enquiries?

View all business contact options


FIND US

Branches, opening hours and ATMs

Find a NAB branch or ATM


FEEDBACK

Suggestions, compliments and complaints

Provide feedback





IMPORTANT INFORMATION


TERMS AND CONDITIONS

 * Disclaimer 1
   
   Comparison rates are based on a secured loan of $150,000 over a term of 25
   years
   
   WARNING: This comparison rate applies only to the example or examples given.
   Different amounts and terms will result in different comparison rates. Costs
   such as redraw fees or early repayment fees, and cost savings such as fee
   waivers, are not included in the comparison rate but may influence the cost
   of the loan.

 * Disclaimer 2
   
   Discount Offer Terms and Conditions
   
   This Base Variable Rate Discount Offer ("Offer") replaces the previous Base
   Variable Rate discount offer dated 27 October 2021. Under the Offer, eligible
   residential investor customers may benefit from a discount.
   
   For owner occupier borrowers making principal and interest repayments, the
   discount off the advertised Base Variable Rate for Home Loans indicator rate
   is:
   
    * 2.20% p.a. where Loan to Value Ratio (LVR) ≤80%
    * 1.40% p.a. where Loan to Value Ratio (LVR) >80%
   
   For residential investor borrowers making principal and interest repayments,
   the discount off the advertised Base Variable Rate for Residential Investment
   Home Loans indicator rate is:
   
    * 2.12% p.a. where Loan to Value Ratio (LVR) ≤80%
    * 1.57% p.a. where Loan to Value Ratio (LVR) >80%
   
   For residential investor borrowers making interest only repayments, the
   discount off the advertised Base Variable Rate for Interest Only Residential
   Investment Home Loans indicator rate is:
   
   1.77% p.a. where Loan to Value Ratio (LVR) ≤80%.
   
   For the purpose of the Offer, LVR or Loan to Value Ratio means the value of
   the customer’s total NAB home lending divided by the total value of secured
   property.
   
   The Offer is available from 15 July 2022 until withdrawn by NAB. NAB may vary
   or end this offer at any time without notice. To be eligible for the Offer,
   an application must be submitted during the period that the offer is
   available and then approved, and drawn down within the time period set out in
   the applicant’s loan offer.
   
   The Offer is available on a new Base Variable Rate Home Loan of $20,000 or
   more.
   
   The Offer is available for new lending only including refinances. The Offer
   is not available for any variation or change of loan purpose of any existing
   NAB home loan where a new application is not required, except existing NAB
   borrowers who apply for an increase in their NAB Base Variable Home Loan of
   $20,000 or more.
   
   The Offer will permanently cease to apply to any otherwise eligible NAB Base
   Variable Rate Home Loan on the earlier of:
   
    * any change to loan purpose or repayment type; or
    * loan ceases to be a NAB Base Variable Rate Home Loan
   
   The Offer is not available in conjunction with any other discount offer that
   may apply to NAB Home Loans from time to time.

This section contains Important Information relevant to the page you are
viewing, but you can't see it because you have JavaScript disabled on your
browser. Please enable JavaScript and come back so you can see the complete
page. It's important that you read the Important Information in this section
before acting on any information on this page.

Apologies but the Important Information section you are trying to view is not
displaying properly at the moment. Please refresh the page or try again later.

Target Market Determinations for these products are available at nab.com.au/TMD.

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