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The following information will help answer some of your SMS Banking questions:
General
Getting Started
SMS Alerts
Mobile Phone Requirements
Usage
General
What is SMS Banking?
NAB SMS Banking uses your mobile phone to conduct certain banking functions by sending a sms. It allows you to do the following, directly from your mobile phone 24/7:
- Find out your account balance on your eligible accounts.
- Obtain a mini-statement on eligible accounts displaying up to the last five transactions.
- Transfer funds between your eligible accounts.
View demonstrations
What accounts can I use with SMS Banking?
Personal Transaction Accounts
Personal Savings & Investment Accounts
Personal Credit Cards
Are there any age restrictions to use SMS Banking?
Customer must be 16 years of age or above to activate and use NAB SMS Banking.
What is the difference between SMS Banking and Telephone Banking?
SMS Banking uses a sms from your mobile phone to access your accounts, requesting information or to transfer money between your accounts. Telephone Banking requires you to dial the Telephone Banking phone number, enter your NAB ID and password so you can do your banking.
How can I see a demonstration of how SMS Banking works?
Learn more about NAB SMS Banking by playing our demonstration now.
How will SMS Banking benefit me?
SMS Banking allows you to keep track of your banking and perform transactions anywhere anytime at the touch of your fingers.
I have older accounts; can I use SMS Banking with them?
If you have an older account that is not eligible for use with SMS Banking, you can consider upgrading your account to a new Smart everyday banking account.
You can apply online - it's quick and easy and all you need is your BSB and account number.
Apply to swap accounts now.
Can I register my business account for SMS Banking?
No. SMS Banking is currently only available for eligible personal accounts at this stage.
How much does SMS Banking cost?
The cost per SMS Banking transaction is as follows:
- Account Balance Enquiry $0.25
- Mini-Satement Enquiry $0.25
- Funds Transfer $0.40
- Account balance alert $0.25
Will SMS Banking allow me to make payments to other people or businesses?
No. At this stage NAB SMS Banking only allows transfers between linked accounts. Payments to accounts that are not linked can be made through Internet Banking.
Later this year NAB, Telstra and Visa are teaming up to deliver a trial where customers can pay for goods with a wave of their mobile phone. See our media release.
Getting Started
How will I be able to register for SMS Banking?
Go to nab.com.au/smsbanking and find out more, or login to Internet Banking > My Settings > SMS Banking and register today.
How do I register and administer SMS Banking in Internet Banking?
After you have logged into Internet Banking you can register and manage your NAB SMS Banking options through the 'my settings' sections. It's simple and available 24/7.
How do I register for Internet Banking?
Find out more information about Internet Banking.
How many accounts can I have registered to use the service?
You can have as many accounts as you choose available via NAB SMS Banking as long as they are eligible accounts and are assigned unique nicknames.
How do I change my SMS Banking details and options?
You can update any of your NAB SMS Banking details via Internet Banking or you can call 1300 651 656* and one our SMS Banking support staff will assist you.
What if my account requires 2 or more signatories?
You will only be able to activate your account for SMS Banking if you can operate the account on your own. If the account needs 2 or more signatories to transact, you will be unable to activate it for SMS Banking.
SMS alerts
What are SMS Alerts?
SMS Alerts enable you to request an account balance to be sent to your mobile phone via SMS.
What types of Alerts can I receive?
Once you are registered for SMS Banking you will be able to receive an account balance alert. You can select to receive this alert on a daily, weekly or fortnightly basis.
How much does it cost?
SMS Alerts are charged at $0.25 each
How do I set up my SMS Alert?
You can register for SMS Alerts online via NAB Internet Banking. Simply log-in to Internet Banking, select ‘my settings’ then ‘SMS Banking’ from the main menu. Alternatively, you can call the Internet and SMS Banking Support Team on 1300 651 656 to register today.
Can I modify or cancel my Alerts?
Yes, you are able to cancel or modify your alerts at any time. Simply log-in to Internet Banking, select ‘my settings’ then ‘SMS Banking’ from the main menu. Alternatively, you can call the Internet and SMS Banking Support Team on 1300 651 656 who will assist in updating your SMS Alert settings.
When will I receive the SMS Alert?
Account balance alerts will be sent at approximately 8.30am Melbourne time commencing the date you entered each day, week or fortnight as selected.
Can I receive alerts from more than one mobile phone?
No. You can only activate SMS Alerts on one mobile phone number. If you change your mobile phone number, you can update your mobile phone number in Internet Banking under the My Settings > SMS Banking or by calling the NAB Internet & SMS Banking Support Team on 1300 651 656.
What accounts can I receive SMS Alerts on?
Personal Transaction Accounts
- NAB eBanking
- NAB Classic Banking
- NAB Gold Banking
- NAB Clear Banking
- Concession Card Account
Personal Savings and Investment Accounts
- NAB iSaver
- Smart Reward Saver
- Investment Cash Manager
Personal Credit Cards
- Selected NAB Personal Credit Cards (excludes JB Were and Homeside branded Credit Cards)
Mobile Phone Requirements
Can SMS Banking be used on all mobile phones and with all mobile service providers?
Yes. NAB SMS Banking can be used with all mobile phone handsets and mobile service providers that allow you to send and receive sms messages.
Do I need to pay normal sms usage costs to my mobile phone provider?
Yes. If you pay for sms messages you will incur this cost from your mobile service provider when sending sms messages to NAB SMS Banking. You should refer to your mobile provider to get advice about sms usage costs. Many customers are on 'cap' plans, which will include the cost of sms messages.
Where can I use SMS Banking?
You can use SMS Banking anywhere in Australia and in many places around the world. Overseas availability is subject to global roaming being enabled and mobile service provider and network availability. NAB SMS Banking is available in countries with the GSM network and can only be registered to Australian mobile phone numbers.
What happens if I change my mobile phone number?
You can update your mobile phone number in Internet Banking under the My Settings > SMS Banking or by calling the NAB Internet & SMS Banking Support Team on 1300 651 656.
Can I use SMS Banking on more than one phone?
No. You can only activate SMS Banking on one mobile phone number. If you change your mobile phone number, you can update your mobile phone number in Internet Banking under the My Settings > SMS Banking or by calling the NAB Internet & SMS Banking Support Team on 1300 651 656.
Usage
How do I cancel a funds transfer?
A funds transfer will be automatically cancelled 30 minutes after we have sent you the confirmation sms.If you have initiated a funds transfer and chose not to proceed with it, simply ignore the confirmation sms sent to you and the funds transfer will be not proceed.
What happens if I switch my account to one that is not eligible for SMS Banking?
If you switch your account to one that is not eligible, you will cease to be able to access that account via SMS Banking.
What should I do if my phone is lost or stolen?
If your phone is lost or stolen you should report it to your mobile service provider. They will then apply a block to ensure access is stopped. You can also log in to Internet Banking under the My Settings > SMS Banking option or call the NAB Internet & SMS Banking Support Team on 1300 651 656 and disable SMS Banking access on your accounts. You can then register your new mobile phone number and reactivate your SMS Banking service.
Can someone take money out of my account via SMS Banking?
No. SMS banking only allows funds transfers between your linked eligible accounts and can only be accessed from your mobile phone.
How much can I transfer between accounts?
SMS Banking does not impose and restrictions on the amount which you can transfer between eligible transaction, savings and investment accounts, other than those imposed by your account terms and conditions. Funds transfers from a credit card are ineligible.
How long does a funds transfer between linked accounts take?
NAB will send a reply to your request within 10 seconds of receiving your initial sms. We will process your funds transfer within 10 seconds, upon receipt of your confirmation sms. However there may be delays with your mobile service provider.
Can I set up a transfer for a future date?
No. Funds transfers are 'real time' and as such will take effect immediately after NAB receives your confirmation sms. To set up a future dated payment, you can use NAB Internet Banking.
Can I transfer funds from my credit card to another linked account?
No. Funds transfers from a credit card are ineligible.
Can I pay bills via SMS Banking?
No. At this stage SMS Banking is limited to obtaining account balances, mini-statements and completing funds transfers.
How long does it take to obtain an account balance or mini-statement?
NAB will send a reply to your request within 10 seconds of receiving your initial sms. However there may be delays with your mobile service provider.
What number do I send my sms request to?
Requests for account balance, mini-statements and funds transfers should all be sent to 0447 NAB SMS (0447 622 767).
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