NAB Gold Banking

NAB Private Tailored Package customers can apply for a NAB Gold Banking¹ everyday banking account with the following benefits:

• No monthly account service fees.
• NAB Gold Visa Debit card with payWave at no extra cost, so you can shop wherever Visa is accepted.
• Unlimited access to your money through NAB Internet Banking or NAB Telephone Banking, in any branch, through our ATM network (including rediATMs), using EFTPOS, or through an optional chequebook.
• No fees for using overseas ATMs. Just check for the PLUS sign.
• No fee for transactions in foreign currencies.
• A range of complimentary insurances with your NAB Gold Visa Debit card.
• The option to add a personal overdraft for those times you need a little extra cash.
• You're protected from fraud by our NAB Defence security promise.

Terms and conditions for personal accounts

1. The NAB Gold Banking account is no longer for sale on a standalone basis effective 23 April 2012. From 10 August 2012, NAB Choice Package customers cannot ask for their NAB Gold Banking account to be included as part of the package. These changes do not apply to NAB Private Tailored Package customers.

• Monthly account fee: $0.
• We've abolished the overdrawn fees that used to apply.

Non-NAB ATMs

To avoid ATM fees it's best to use our ATM network, which includes rediATMs.

We don't charge you for using other ATMs, but the owners of other ATMs might directly charge you. If they do, you'll see a message and you'll have the option to quit before you're charged.

Overseas ATMs

As a NAB Gold Banking customer, we don't charge fees when you use overseas ATMs² (just check for the PLUS sign) or for transactions in foreign currencies.

The owners of overseas ATMs might charge you directly.

Personal banking guide to fees and charges

1. The NAB Gold Banking account is no longer for sale on a standalone basis effective 23 April 2012. From 10 August 2012, NAB Choice Package customers cannot ask for their NAB Gold Banking account to be included as part of the package. These changes do not apply to NAB Private Tailored Package customers.

2. Effective 10 August 2012, these fees will apply to standalone NAB Gold Banking accounts including those NAB Gold Banking accounts which form part of the NAB Choice Package. The fees will not apply to NAB Gold Banking accounts which form part of the NAB Private Tailored Package.

• NAB Internet Banking
• NAB Telephone Banking (13 22 65, 24 hours a day, 7 days a week)
• EFTPOS
• our ATM network, including rediATMs
• any NAB branch
• Bank@Post^TM – withdrawals, deposits and balance checks through Australia Post.

1. The NAB Gold Banking account is no longer for sale on a standalone basis effective 23 April 2012. From 10 August 2012, NAB Choice Package customers cannot ask for their NAB Gold Banking account to be included as part of the package. These changes do not apply to NAB Private Tailored Package customers.

You can use your NAB Gold Visa Debit card with payWave wherever you'd normally use a normal debit card, as well as wherever Visa is accepted. However you use it, you're spending funds from your NAB Gold Banking account.

• Access special offers on shows, events, experiences and movies from Visa Entertainment.
• Shop online safely with Verified by Visa.
• Chip technology to help keep your card secure.
• A statement every two months to help you keep track of your spending.
• Visa Zero Liability – reimbursement if your card is used fraudulently, or after it's been lost or stolen (conditions apply).

Complimentary insurance

NAB Gold Visa Debit cards come with all the complimentary insurance that you get with any NAB gold card²:

• NAB Gold Overseas Travel Insurance
• NAB Gold Purchase Protection Insurance
• NAB Gold Extended Warranty Insurance
• NAB Gold Visa Debit Price Protection Insurance
• NAB Gold Visa Debit Interstate Flight Inconvenience Insurance
• NAB Gold Visa Debit Transport Accident Insurance
• NAB Gold Visa Debit Domestic Hotel Burglary Insurance

When you're shopping, press "credit" to access these insurances.

See the NAB Card Insurance policy document (PDF 346KB) for full details.

Read more about NAB Visa Debit cards

NAB Visa payWave

There’s now a new way to pay for small purchases with your debit card. One that’s faster and more convenient than ever before – NAB Visa payWave. Using the very latest in contactless technology, it lets you pay for purchases under $100 without swiping your card, signing your name, or even entering your PIN at any merchant displaying the Visa payWave contactless reader and symbol.

• Read more about NAB Visa payWave

1. The NAB Gold Banking account is no longer for sale on a standalone basis effective 23 April 2012. From 10 August 2012, NAB Choice Package customers cannot ask for their NAB Gold Banking account to be included as part of the package. These changes do not apply to NAB Private Tailored Package customers.

2. National Australia Bank Limited has obtained Overseas Travel Insurance, Interstate Flight Insurance, Domestic Hotel Burglary Insurance, Transport Accident Insurance, Price Protection Insurance, Purchase Protection Insurance and Extended Warranty Insurance under Master Policies issued by Chubb Insurance Company of Australia Limited ABN 69 003 710 647 AFSL No.239778. The benefits under these Master Policies are extended to NAB Gold Visa Debit cardholders. The terms, conditions and exclusions of Overseas Travel Insurance, Interstate Flight Insurance, Domestic Hotel Burglary Insurance, Transport Accident Insurance, Price Protection Insurance, Purchase Protection Insurance and Extended Warranty Insurance are specified in the NAB Card Insurance Policy Document and may be amended from time to time and you should read the policy document carefully to ensure this cover meets your needs. The Policy Document is available at nab.com.au or by calling 1800 788 566.