SMS Security FAQs

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Payments - Transfers

SMS Security

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Payments - Transfers

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Bill Payments - BPAY
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SMS Security

General

What is SMS Security?

SMS Security is a free and easy-to-use service available to all NAB Internet Banking customers with a mobile phone. It provides an additional layer of security when making the following Internet Banking payments:

  • Bill payments (BPAY®). Note: transaction limits may apply to individual billers.

  • Pay Anyone* with nominated daily limit choose between $2500, $5000 (Default), $10,000, $15,000 and $20,000.

    * The Pay Anyone facility enables funds transfers to any Australian financial institution, including third party NAB accounts and to accounts at selected International countries.

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How do I register for SMS Security?

Call the Internet & SMS Banking Support Team on 1300 651 656 if calling from Australia or +613 8641 9886 if calling from overseas and select option 1 after entering your NAB ID and Telephone Banking password. Alternatively, contact your branch.

If your updated mobile number is registered with us, you can register for SMS Security by:

  • logging into NAB Internet Banking, referring to the 'Settings/Mailbox' menu and selecting Security & password, or
  • selecting the SMS Security option during the NAB Internet Banking registration process

The support hours are located on our Contact us page.

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How does SMS Security work?

Once you have registered, NAB will send you a randomly generated one time SMS Security authorisation code to your nominated mobile phone each time you make a request to transfer money outside of your own accounts or when you register/re-register for NAB Internet banking. Confirm that the payment details are correct and then simply key in the SMS Security authorisation code and your transaction is verified.

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Why has SMS Security been introduced?

SMS Security means that even if your ID and password fall into the wrong hands, funds cannot be transferred without your approval. With a whole extra layer of protection, you can bank online with extra peace of mind

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What is a SMS Security authorisation limit?

The SMS Security authorisation limit allows you to transfer funds for small amounts without the need to receive and enter an SMS authorisation code for each payment. The authorisation limit applies to the total value of all 'pay anyone' funds transfers on any given day. Funds transfers that total less than this authorisation limit will no longer require SMS authorisation and will be verified using your NAB Internet Banking password.

Note: This feature does not change the agreed daily limit for transfers completed via NAB Internet Banking and only relates to 'pay anyone' funds transfers. Other payments including BPAY, International Transfers and funds transfers within linked NAB accounts are not included in the SMS Security authorisation limit and will continue to operate as they do today.

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Why has this SMS Security authorisation limit been introduced?

The SMS Security authorisation limit has been introduced to provide greater convenience for everyone who is registered for SMS Security. The daily authorisation limit allows funds transfers totalling less than $300 on any given day to be verified using your NAB Internet Banking password. You can choose to switch off the daily authorisation limit to ensure that all 'pay anyone' funds transfers to new payees will require an SMS Security authorisation code. Once that payee has been authorised with SMS Security, an SMS code will no longer be required for funds transfers to that payee.

NAB will initially set the authorisation limit at $300 per day. This limit may change from time to time to improve customer security and provide greater convenience. Any change to this limit will be communicated to NAB Internet Banking customers by secure message and will also be displayed on nab.com.au

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How do I switch the authorisation limit off or turn it back on?

You can 'Switch off' the authorisation limit, within NAB Internet Banking, if you would prefer to authorise all funds transfers with SMS Security.

  • Navigate to 'Settings/Mailbox' and select 'Security & password'.
  • Under 'Security & password' press the red 'Switch off' button to switch off the authorisation limit.
  • An SMS Code will be sent to your mobile phone to verify the change.
  • You are required to enter the code into the required field and submit.

To switch the authorisation limit back on to, follow the above process and select the 'Switch on' button to reinstate the SMS Security authorisation limit.

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How do I know if the authorisation limit is switched on or off?

You can view your current SMS Security authorisation limit status within NAB Internet Banking under 'Settings/Mailbox' and select 'Security & password'. The Security page will clearly display the buttons to be able to either 'Switch off' or 'Switch on' the facility.

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How do I know what the authorisation limit is set to?

You can view your current SMS Security authorisation limit under the 'Settings' menu and selecting 'Security & password'. The Security page will clearly display the daily authorisation limit amount.

Any change to the limit will be communicated to all NAB Internet Banking customers by secure message and will also be displayed on nab.com.au

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How does SMS Security protect me?

Normally when you log in to Internet Banking, you use your NAB ID and Internet Banking password. If a fraudster manages to compromise your NAB ID and Internet Banking password, they may be able to transfer funds out of your accounts.

With SMS Security, the fraudster will not be able to transfer any funds from your account because they don't have your mobile phone to receive the SMS code.

SMS Security also acts as an alert for you when an unauthorised transaction is attempted on your account saving your money and giving you peace of mind!

If you receive such an alert contact us by calling the Internet & SMS Banking Support Team on 1300 651 656

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I do a lot of travelling, or find it difficult to get mobile coverage how can I use SMS?

While in a mobile coverage area, you can customise the service by pre-authenticating your saved regular payees and billers stored within Internet Banking. An SMS code is required for the initial authentication, but future payments to these payees and billers will not require SMS.

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I don't want to receive an SMS message for every payment what can I do?

You can customise the service by pre-authenticating your saved regular billers stored within Internet Banking. An SMS code will then not be required the next time you make payments to them. When making a payment to a payee for the first time, an SMS code will be required. Once you have authorised this payee, funds transfers to them will only require you NAB Internet Banking password.

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How do I pre-authenticate my saved billers stored in Internet Banking?

Ensure you have your mobile phone with you when logging into Internet Banking and

  • From the main menu, select 'Payee list' from the 'Bill payment' option.
  • Select Modify under the action column for the biller to be pre-authenticated.
  • Select the Use SMS to pre-authenticate this biller option and press Save or Update.
  • On the Modify biller confirmation screen enter the SMS code that has been sent to your mobile phone and press Save or Update.

Repeat steps 3 and 4 to pre-authenticate other billers.

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Will I be charged for using this new security feature?

No. NAB is providing the service free of charge to provide customers with an additional level of payment security to help you protect your money.

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Does it cost me to receive an SMS?

NAB will not charge customers to receive an SMS message. Customers should check with their mobile network provider to confirm whether or not they would be charged for receiving SMS messages particularly when overseas.

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Why has NAB made changes to daily limits?

Internationally, online fraudsters are becoming more brazen in their attempts to reach peoples bank accounts.

To enhance security, the $5,000 default daily limit has been reduced to $2,500 in most cases if our customer doesn't have SMS Security.

This change does not affect the way you access Internet Banking, view information or make transfers between your own linked accounts. It only affects customers who don't have SMS Security.

Free access to SMS Security is only one way we help you protect your money. We also work with law enforcement agencies, assist to close down scam websites and monitor accounts for suspicious activity.

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Which BPAY® billers are included in the daily transfer limit?

To minimise the risks of fraudulent activity and safeguard your money while you are using Internet Banking, customers who are not registered for SMS Security will have BPAY® Bill payments (except payments made to NAB authorised billers) included within their daily transfer limit of $2,500.

You'll be advised in Internet Banking when a bill payment is being made to a NAB authorised biller.

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Which BPAY® billers are not included in the daily transfer limit?

Customers who are registered for SMS Security will not have any BPAY Bill payments included within the daily transfer limit.

For customers who are not registered for SMS Security, BPAY Bill payments made to NAB authorised billers are not included within the daily transfer limit and can be performed up to the maximum amount imposed by the biller. Note: The biller can advise any transaction limits they have set.

You'll be advised in Internet Banking when a bill payment is being made to a NAB authorised biller.

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I have been registered for SMS Security previously and received an SMS code for Bill payments. Why dont I receive the SMS code now?

NAB has made the SMS Security service more convenient by Bank Authenticating a number of billers that have been identified as being a low risk for fraudulent payments, i.e. utilities (ATO, gas, electricity, water bills, etc.).

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Can I make payments using SMS Security while overseas?

Yes, you can send and receive SMS while overseas if your handset and SIM card allow global roaming and the country you are in operates via a compatible network. Please check with your mobile phone service provider.

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I do not have a mobile phone or live in a mobile service area - Can I still be protected with SMS Security?

You can still be protected if you do not own a mobile phone. If your land line phone can receive SMS then you can use the service. Please contact the Internet & SMS Banking Support Team or your branch who can run through the options with you.

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I am registered for SMS Security but I don't have my mobile phone with me or I can't receive an SMS message. What can I do?

NAB's Internet & SMS Banking Support Team can assist you. To help avoid this scenario, NAB recommends you pre-authenticate your Payees within the Payee list stored in your Internet Banking profile. Then an SMS code is not required for every payment.

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Can I change the mobile phone number that I have registered for receiving SMS messages?

Your branch or NAB's Internet & SMS Banking Support Team can assist you.

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I have just received an SMS message yet I am not logged into Internet Banking.

It may be that somebody else is attempting to access your Internet Banking profile. You should contact the Internet & SMS Banking Support Team on 1300 651 656 immediately and they will advise of any further precautionary steps required.

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When does an SMS code expire?

The SMS code is only valid for the current transaction and addition or amendment to a payee or biller. Once you have completed or cancelled the transaction or addition/amendment, the code is no longer valid.

To avoid confusion, delete the message from your mobile phone when the SMS code has been successfully keyed into Internet Banking and accepted.

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I have registered with my banker or Relationship Manager and have not received a welcome SMS message what do I do?

If you haven't received confirmation by SMS or via Internet Banking please call NAB's Internet & SMS Banking Support Team.

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If I am registered for SMS Security, do I have a limit of $2500?

The daily default limit for customers with SMS Security is $5000.

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What if SMS Security is not suitable to me (ie. I don't own a mobile phone)?

If you think that our SMS Security service may not be completely suitable for your situation (for example, you don't own a mobile phone, live in a mobile service area or you experience accessibility problems), please call our Internet Banking Support team on 1300 651 656 to discuss your options.

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Is SMS Security compulsory?

NAB recommends SMS Security to all NAB Internet Banking customers in addition to following general security guidelines including security software and good password management. For further information or to discuss how SMS Security can protect your Internet Banking, please call the Internet & SMS Banking Support Team on 1300 651 656 and select option 1 after entering your NAB ID and Telephone Banking password. Alternatively, contact your branch.

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I used to have the option to use SMS to authorise all payments to a payee in my payee list, is this no longer an option?

You will no longer have the option to authorise each payment using an SMS code. Payments are still protected as SMS Security is used to authorise the first payment to a particular payee. Once that payee has been authorised with an SMS code, all further payments to that payee will only require the your Internet Banking password.

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Will payees remain authorised permanently, even if I don't use them?

This improvement will assist customers who make regular funds transfers to payees. If however, a payee becomes authorised but is not used again for a prolonged period, NAB will ensure that the next time a payment is made to that payee, it will require SMS authorisation.

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Can I stop a payee from being an 'authorised' payee?

The authorised payee for each customer is held within the Internet Banking system. Should you believe that fraud or suspect behaviour has occurred on your account, please call 1300 651 656 and speak to our Internet and SMS Banking Support Team who can clear all authorised payees on your NAB ID. The next payment to one of those payees will require an SMS code to authorise the transaction.

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®BPAY is registered to BPAY Pty Ltd ABN 69 079 137 518

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