Changes effective 5 November 2025

We’re making changes to the Debit interest rate and Overseas access fees – effective 5 November 2025

Citi branded accounts

The following Citi branded accounts will be migrated to a NAB Classic Banking account:

  • Citibank Plus Transaction Account
  • Citicheque Account
  • Business Cheque Account
  • Citibank Relationship Banking Account
  • Citicash Account
  • Personal Banking Account
  • Citibank Offset Savings Account

Your NAB Classic Banking account fees and charges

Personal banking fees and charges will apply to your NAB Classic Banking account from the Account Creation Date (refer to your Variation Notice for the meaning of Account Creation Date), except the table in Section 2 Services Fees, Account Related Services, which is replaced with the table as follows:

Overseas access 

  NAB Visa Debit card
ATM cash withdrawal Fee waived2
Balance enquiry Fee waived2
International transaction fee1 Fee waived2

1 International transactions refer to using your card overseas including overseas ATM cash withdrawals or, using your account in Australia but the goods or service provider (commonly referred to as a ‘merchant’), financial institution or entity processing the transaction is located outside Australia.

International transactions are either: 

– Single-currency international transaction: where the transaction is made in Australian dollars (AUD)

– Multi-currency international transaction: where the transaction is made in a currency other than Australian dollars (AUD)

2 Effective 5 November 2025 the following fees and charges will apply to overseas access:

  • ATM cash withdrawal: $5 per withdrawal
  • Balance enquiry: $1 per enquiry
  • International transaction fee: 3.5% 

Credit interest rate on your NAB Classic Banking account

View the current applicable credit interest rates on your NAB Classic Banking account.

Your Debit interest rate

The current 'Debit interest rate', applicable to accounts overdrawn without an approved overdraft limit is 0.00%3 p.a. on your NAB Classic Banking account.

3 A Debit interest rate of 20.00% p.a. will apply from 5 November 2025.

Your Variation Notices

Notice of changes to your Citi branded transaction account, setting out the changes to the terms and conditions which will apply to your account.

Online banking comparison table

View key differences between Citi Online and Citi Mobile App, and NAB Internet Banking and the NAB app (PDF, 108KB).

Comparison table between Citi Mastercard and NAB Visa Debit card

View the key differences between Citi Mastercard and NAB Visa Debit card (PDF, 106KB).

View more information about your new Visa Debit card.

Explore your NAB Classic Banking Offset account.

Explore your NAB Classic Banking account.

Important information