Fees and charges

Personal Accounts
Business Banking

Personal Accounts

NAB everyday accounts

NAB has 3 transaction accounts with a simple and easy to understand flat fee structure.

NAB eBanking
NAB eBanking offers unlimited NAB electronic transactions (NAB Telephone and Internet Banking, NAB ATMs, EFTPOS, Visa Debit). Find out more

NAB Classic Banking
NAB Classic Banking account offers unlimited NAB electronic transactions (NAB Telephone and Internet Banking, NAB ATMs, EFTPOS, Visa Debit) with unlimited branch transactions including cheques. Find out more

NAB Classic Banking offers a monthly account service fee waiver for full-time tertiary students. Find out more

NAB Gold Banking
NAB Gold Banking offers all the services that a Classic account offers plus unlimited Non NAB ATM transactions, international ATMs and international Visa Debit transactions at no additional cost. Find out more

Deposit Waiver Option

NAB has replaced its 'fee rebate system' with a similar, but simpler idea for personal bank accounts. The ‘Deposit Waiver’ means that you will pay no monthly account service fee so long as a certain minimum amount is deposited into your account each month.

Deposits (salary and any other deposits) made into your account may contribute towards the waiver. As long as the overall total of incoming deposits is equal to or greater than the set monthly amount, the waiver will be applied and your account service fee will be $0 for that month. Find out more

The fees that apply in excess of the rebated amount are:

To find out more information about fees applicable to your account and the 'fee rebate system' download a copy of NAB's "A guide to Personal Banking Fees and Charges". Printed copies are also available from NAB.

To see how you can minimise your transaction fees, visit our Transaction Fee Calculator.

Standard government charges also apply to transactions conducted on NAB Internet Banking. Transfers from your Credit Card account to another NAB account are deemed a 'Cash Advance' and incur a transaction fee, with interest charged from the date of the transaction. Telecommunications costs and Internet Service Provider charges will apply.

Full details of NAB's charges are available on request.

Business Banking

View specific details of the fees and charges that apply to Business Banking.

Section 1 - Business Accounts
Section 2 - Business Loans and Other Lending Facilities
Section 3 - Agribusiness
Section 4 - Other Service Fees
Section 5 - Legal Fees
Section 6 - Government Taxes

For the purposes of NAB Internet Banking, electronic transaction fees will apply to the Business Accounts listed above and to any other applicable Business Account. Electronic Transactions include: Debit and Credit transactions conducted via NAB Internet Banking and Telephone Banking - including Bill payment BPAY^®, EFTPOS, periodical payments, direct debit or direct credit.

Download a copy of NAB's "A guide to Business Banking Fees and Charges". Printed copies are also available from NAB.

Note: To download NAB guides in pdf format, you will require Acrobat ® Reader.

Please contact your NAB Business Banker for further information. 

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