Opening a new personal account

Before you apply

It should take you less than 10 minutes to apply for an account online. So long as you're 18 or older, you can apply for most of our accounts online.

We'll give you a checklist of things you should have with you before you apply. It's a good idea to have your tax file number (TFN) handy when you apply. If you're already a NAB customer, make sure you have your NAB ID, too.

If you're new to NAB you'll have to see us in a branch (after we’ve opened your account) with 100 points of identification. This is a legal requirement. If you're an individual opening an account and are a U.S. citizen or tax resident, you'll be asked at the branch to provide your Tax Identification Number (TIN) or Social Security Number.

For most accounts you have the option of making a joint application with one other person.

Finding the right account

You can apply for most accounts online. To help pick the right account for you, check out the information on our product pages.

Changing your NAB Gold Banking account to NAB Classic Banking? Swap online.

Opening an account from overseas

If you're coming to Australia to live, work or study, apply for an Australian bank account before you get here.

NAB Retirement Account

Because of the extra eligibility documents we need to check, you can't open this account online. Instead you can:

  • call us on 13 13 12 from 8am - 8pm Mon-Fri, or 9am - 6pm on weekends (AEST/AEDT)
  • see us at any branch.

After you apply online

We'll automatically email you within 60 seconds of receiving your application. We'll tell you if there's anything else you need to do, and what steps we'll take to open your account.

Once we've opened your account we'll send you another email, and also post you a Welcome Pack with all the information you need about your new account.

If your account includes a debit card, we'll post the card and PIN separately. Usually we'll send them directly to you, but you might need to pick them up from your nearest branch.

New to NAB?

After we've opened your account, you'll have to visit a NAB branch with 100 points of ID. This is a legal requirement. If you're an individual opening an account and are a U.S. citizen or tax resident, you'll be asked to provide your Tax Identification Number (TIN) or Social Security Number at the branch. Until we've seen your ID you can't take money out of your account (although you can make deposits into it).

Acceptable ID includes your passport, driver's licence, and birth certificate.

We're ready to help you

Talk to an expert
Call 13 22 65

Mon-Fri 8am - 7pm (AEST/ADST)
Sat-Sun 9am - 6pm (AEST/ADST)