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NAB PERSONAL BANKING


QUICK, SAFE AND SIMPLE WITH THE NAB APP

Manage cards, track spending and make quick payments with NAB online banking.
T&C's apply.

Find out more




POPULAR BANKING SOLUTIONS

We’re here to make banking simpler and easier with our popular products, special
offers and helpful calculators.


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


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 * BANK ACCOUNTS
   
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    * View all bank accounts


 * PERSONAL LOANS
   
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    * View all personal loans


COVID-19 SUPPORT

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

View COVID-19 support


OFFER
NAB BASE VARIABLE RATE HOME LOAN

Save money with one of our lowest rates ever. Plus, there’s no application and
no ongoing fees.

Variable rate


2.29 % p.a.







Comparison rate *View Disclaimer 1

2.33 % 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

Enquire now
View NAB variable rate details


BUSINESS BANKING WE WANT TO BE YOUR FIRST CHOICE

Discover how we can help you start, run and grow your business with our
expertise and business banking solutions.

Explore NAB business banking




READ MORE ABOUT OUR SOCIAL IMPACT


ENVIRONMENT

We're caring for our planet by adopting a sustainable approach to managing our
business.


COMMUNITY

We’re making a difference through community grants, volunteering, workplace
giving and supporting Indigenous success to help create stronger communities.


ACCESSIBILITY AND INCLUSION

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


CUSTOMERS

We're providing our customers with opportunities to get ahead and supporting
them through financial hardship.


SHAREHOLDERS

Our approach to social impact, risk management, governance, and reporting.


OUR PEOPLE

We’re continuing to create a healthy, flexible, and welcoming workplace for all.

View all Social Impact


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 needing a bit of help and support.


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

Learn how we protect you and how you can protect yourself from frauds and scams.

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


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 28 May 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:
   
    * 2.10% 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 27 October 2021 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.

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