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A guide to fees and charges
Effective 13 February 2012

Contents

Section 1 Business Accounts and Services

• Business Accounts
• Opening a Business Account
• NAB Business Cheque Account ($0 Monthly Fee Option)
• NAB Business Cheque Account ($10 Monthly Fee Option)
• NAB Business Management Account
• NAB Everyday Business Account
• NAB Business Cash Maximiser
• NAB Community Fee Saver Account
• NAB GST Business Offset Account

Section 2 Agribusiness Products and Services

• Farmers Choice Package
• NAB Farm Management Account
• NAB Farm Management Account Overdraft

Section 3 NAB Cards for Business

• NAB Qantas Business Card – MasterCard®
• NAB Business Card – MasterCard®/Visa
• NAB Business Access Card – MasterCard®/Visa
• Velocity NAB Business American Express® Card
• NAB Business Payments Card - Visa
• NAB Purchasing and Corporate Cards – MasterCard®/Visa
• Other Fees
• Lost/Stolen Card Replacement Fee

Section 4 Business Lending Facilities

• Business Loans and Overdrafts
• Bank Guarantee
• Bill Facilities
• Asset Finance Fees

Section 5 Other Service Fees

Section 6 Government Taxes and Charges

• Goods and Services Tax (GST)

Section 7 Definitions

Your guide to business banking fees & charges

This brochure covers a range of NAB Business products and services that are available and the fees and charges which may apply to them.

Fees and charges listed in this brochure are current as at 13 February 2012.

To the extent that this document contains information on fees and charges relating to a NAB product, this document forms part of the Product Disclosure Statement (PDS)/ terms and conditions for that product.

Any advice in this document has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice in this document, National Australia Bank Limited (NAB) recommends that you consider whether it is appropriate for your circumstances. NAB recommends you consider the Product Disclosure Statement or other disclosure document, available from NAB, before making any decisions regarding any NAB products. The products covered by this brochure are issued by National Australia Bank Limited.

Where government charges and taxes apply, these are passed on to customers. A summary of these taxes are included in this brochure. These taxes may change at any time.

NAB also provides a wide range of products and services to Personal customers, which are not covered by this brochure. For more details of these products and services or if you would like any further information on our Business services, contact your NAB Business Banker, or call 13 10 12, Monday to Friday from 7am to 9pm AEST, and Saturday to Sunday, from 8am to 6pm AEST.

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Section 1 Business Accounts and Services

Business Accounts

Fees for NAB Business Cheque Account ($0 Monthly Fee Option), NAB Business Cheque Account ($10 Monthly Fee Option), NAB Business Management Account, NAB Everyday Business Account and NAB GST Business Offset Account are calculated from the last business day of the previous month to the second last business day of the current month.

For all business accounts, the account service fee or flat monthly fee is payable and debited on the last business day of the month, except for:

• NAB Farm Management Account where the fee is payable and debited annually in arrears on each anniversary of the opening of the account; and
• NAB GST Business Offset Account linked to a NAB Farm Management Account, the fee is payable on the last business day of the month and debited at any time after that, usually no later than on the first business day of the following month.

For all business accounts, transaction fees are payable and debited on the last business day of the month, except for:

• NAB Farm Management Account where these are payable and debited annually;
• NAB GST Business Offset Account linked to a NAB Farm Management Account, where these are payable on the last business day of the month and debited at any time after that, usually no later than on the first business day of the following month; and
• Non-NAB ATM transaction fees, which are payable and debited on the day the transaction occurs or for the NAB Farm Management Account, are payable and debited annually in accordance with the above.

All other service fees, as detailed in Section 5, that relate to business accounts (including NAB Statutory Trust Accounts and NAB Retail Lease Account), unless otherwise specified, are payable on the day the transaction occurs and are debited on the day on which a fee is incurred.

Institutions providing other ATMs accepting cards (non- NAB ATMs) within Australia may also impose their own ATM owner fee or direct charge. NAB accepts no responsibility for such fees and charges.

Any fees which have become payable but have not yet been debited will be calculated and debited on the day your account is closed.

Any fees will be displayed on your final account statement. Alternative lower cost electronic based payment systems are readily available and information can be sought from your NAB Business Banker or by calling 13 10 12.

Opening a Business Account

A company/business name search fee is payable at opening of all new accounts/facilities/packages and for facility increases/renewals. A Personal Property Securities Register search fee may also be payable. For more details see Section 5. A Personal Property Securities Register search fee may also be payable. For more details see Section 5.

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NAB Business Cheque Account ($0 Monthly Fee Option)

Account service fee	$0 per month
Each over the counter/Australia Post deposit and withdrawal	$2.50 per transaction
Each over the counter/Australia Post item lodged on deposit	$0.90 per item
Each non-over the counter deposit and withdrawal	$1.00 per transaction
Each non-over the counter item lodged on deposit	$0.60 per item
NAB ATM transactions	Nil
Electronic transactions excluding EFTPOS deposit and withdrawal Important note: Multiple funds transfers made via NAB internet banking will also incur an additional fee as detailed in Section 5 – Other service fees	$0.20 per debit transaction
Each EFTPOS deposit and withdrawal	$0.20 per transaction
Transactions and enquiries made at non-NAB ATMs within Australia	Nil
NAB ATM mini-statements	Nil

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NAB Business Cheque Account ($10 Monthly Fee Option)

Flat monthly fee	$10 per month
Each over the counter/Australia Post deposit, withdrawal and each item lodged on deposit	$0.90 per item
Each non-over the counter deposit, withdrawal and each item lodged on deposit	$0.60 per item
NAB ATM transactions	Nil (part of flat monthly fee)
Electronic transactions Important note: Excludes multiple funds transfers made via NAB internet banking, which will incur a fee as detailed in Section 5 – Other service fees	Nil (part of flat monthly fee)
Transactions and enquiries made at non-NAB ATMs within Australia	Nil
NAB ATM mini-statements	Nil (part of flat monthly fee)

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NAB Business Management Account

Flat monthly fee	$20 per month
Each over the counter/Australia Post deposit, withdrawal and each item lodged on deposit	$0.90 per item
Each non-over the counter deposit, withdrawal and each item lodged on deposit	$0.60 per item
NAB ATM transactions	Nil (part of flat monthly fee)
Electronic transactions Important note: Excludes multiple funds transfers made via NAB internet banking, which will incur a fee as detailed in Section 5 – Other service fees	Nil (part of flat monthly fee)
Transactions and enquiries made at non-NAB ATMs within Australia	Nil
NAB ATM mini-statements	Nil (part of flat monthly fee)

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NAB Everyday Business Account

Account service fee	$10 per month
Each over the counter/Australia Post deposit and withdrawal	$2.50 per transaction
Each over the counter item lodged on deposit	$0.90 per item
Each non-over the counter deposit and withdrawal	$1.00 per transaction
Each non-over the counter item lodged on deposit	$0.60 per item
NAB ATM transactions	Nil
Electronic transactions Important note: Multiple funds transfers made via NAB internet banking will also incur an additional fee as detailed in Section 5 – Other service fees	$0.20 per debit transaction
Each EFTPOS deposit and withdrawal	$0.20 per transaction
Transactions and enquiries made at non-NAB ATMs within Australia	Nil
NAB ATM mini-statements	Nil

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NAB Business Cash Maximiser

Flat monthly fee	Nil
Electronic transactions	Nil

Note: The following transaction types are not available on this account:

• Over the counter/Australia Post and non-over the counter deposits and withdrawals.
• NAB and non-NAB ATM transactions, enquiries and mini-statements
• Multiple funds transfers.

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NAB Community Fee Saver Account

Account service fee	Nil
Each over the counter/Australia Post deposit, withdrawal and each item lodged on deposit	Nil
Each non-over the counter deposit, withdrawal and each item lodged on deposit	Nil
NAB ATM transactions	Nil
Electronic transaction & enquiries (including multiple funds transfers made via NAB internet banking)	Nil
Important note: Some electronic transactions (eg. periodic payments) will attract a separate fee, as set out in Section 5 – Other service fees
Transaction and enquiries made at non-NAB ATMs within Australia	Nil
NAB ATM mini-statements	Nil

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NAB GST Business Offset Account

Flat monthly fee	$10 per month
Each over the counter/Australia Post deposit, withdrawal and each item lodged on deposit	$0.90 per item
Each non-over the counter deposit, withdrawal and each item lodged on deposit	$0.60 per item
NAB ATM transactions	Nil (part of flat monthly fee)
Electronic transactions Important note: Excludes multiple funds transfers made via NAB internet banking, which will incur a fee as detailed in Section 5 – Other service fees	Nil (part of flat monthly fee)
Transactions and enquiries made at non-NAB ATMs within Australia	Nil
NAB ATM mini-statements	Nil (part of flat monthly fee)

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Section 2 Agribusiness Products and Services

Farmers Choice Package

Application fee	Available on application
Annual package fee	$500

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NAB Farm Management Account

Account service fee	Nil
Each over the counter/Australia Post deposit, withdrawal and each item lodged on deposit	$0.60 per item
Each non-over the counter deposit, withdrawal and each item lodged on deposit	$0.40 per item
NAB ATM transactions	Nil
Electronic transactions and enquiries Important note: Excludes multiple funds transfers made via NAB internet banking, which will incur a fee as detailed in Section 5 – Other service fees	$0.10 per transaction
Transactions and enquiries made at non-NAB ATMs within Australia	Nil
NAB ATM mini-statement	$0.40 per mini-statement
The above fees are charged annually in arrears on each anniversary of the opening of the account or on the closure of the account, whichever occurs first.

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NAB Farm Management Account Overdraft

Application fee	Available on application
Annual facility fee	$400

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Section 3 NAB Cards for Business

NAB Qantas Business Card – MasterCard®

Monthly card fee NAB Qantas Business Card – each card, each month	$12
Late payment fee Debited at the end of statement period, if at that time, any amount due and payable is 30 or more days overdue ie. two payments in arrears, and the unpaid balance of the account is more than $100.	$5
Overseas payment order purchased fee Each payment order drawn in currencies other than Australian dollars and tendered in payment of a card account.	$5

NAB international transaction fee
Single currency transaction: A transaction made in Australian dollars with an internationally-designated merchant
Multi currency transaction: A transaction made in a currency other than Australian dollars with an internationally or Australian-designated merchant
Mastercard®
Transaction type	Fee 1
Single currency	2%
Multi-currency (Made with an internationally designated merchant)	2.5%
Multi-currency (Made with an Australian-designated merchant)	1.7%

Cash advance fee
Cash advance fee 2 (within Australia)	$1.75
At a non-NAB Branch (over the counter)	$4
At a non-NAB ATM (outside Australia)	$4

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NAB Business Card – MasterCard®/Visa

Monthly card fee NAB Business Card – each card, each month	$9
Overseas payment order purchased fee Each payment order drawn in currencies other than Australian dollars and tendered in payment of a card account.	$5

NAB international transaction fee
Single currency transaction: A transaction made in Australian dollars with an internationally-designated merchant
Multi currency transaction: A transaction made in a currency other than Australian dollars with an internationally or Australian-designated merchant
Visa
Transaction type	Fee 1
Single currency	2.3%
Multi-currency	2.5%
MasterCard®
Transaction Type	Fee 1
Single currency	2%
Multi-currency (Made with an internationally designated merchant)	2.5%
Multi-currency (Made with an Australian-designated merchant)	1.7%

Cash advance fee
Cash advance fee 2 (within Australia)	$1.75
At a non-NAB Branch (over the counter)	$4
At a non-NAB ATM (outside Australia)	$4

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NAB Business Access Card – MasterCard®/Visa

Annual fee NAB Business Access Card – each card, each year	$60
Dishonour fee Per item lodged with payments and returned by the paying bank.	Abolished
Late payment fee Debited at the end of statement period, if at that time, any amount due and payable is 30 or more days overdue ie. two payments in arrears, and the unpaid balance of the account is more than $100.	$5
Overseas payment order purchased fee Each payment order drawn in currencies other than Australian dollars and tendered in payment of a card account.	$5

NAB international transaction fee
Single currency transaction: A transaction made in Australian dollars with an internationally-designated merchant
Multi currency transaction: A transaction made in a currency other than Australian dollars with an internationally or Australian-designated merchant
Visa
Transaction type	Fee 1
Single currency	2.3%
Multi-currency	2.5%
MasterCard®
Transaction Type	Fee 1
Single currency	2%
Multi-currency (Made with an internationally designated merchant)	2.5%
Multi-currency (Made with an Australian-designated merchant)	1.7%

Cash advance fee
Cash advance fee 2 (within Australia)	$1.75
At a non-NAB Branch (over the counter)	$4
At a non-NAB ATM (outside Australia)	$4

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Velocity NAB Business American Express® Card

Annual card fee	$149
Overlimit fee Debited on the day during any statement period when the balance of the account first exceeds the credit limit during that statement period.	Abolished
Late payment fee Debited on or after the day when an amount that is due for payment is past its due date if, at the time the fee is debited, the balance of the account is $50 or more.	$5
Dishonour fee Per item lodged with payments and returned by the paying bank.	Abolished
Overseas payment order purchased fee Each payment order drawn in currencies other than Australian dollars and tendered in payment of a card account.	$5

NAB international transaction fee
Single currency transaction: A transaction made in Australian dollars with an internationally-designated merchant Multi currency transaction: A transaction made in a currency other than Australian dollars with an internationally or Australiandesignated merchant American Express 1
Transaction type	Fee 1, 2
Single currency	1.5%
Multi currency	1.5%

Cash advance fee

You will be charged a percentage of the Cash Advance (in Australian dollars) or a minimum fee, whichever is greater, as set out in the table below, for the channel you use. However, if after NAB posts the cash advance transaction, the balance of your account is in credit or zero, the minimum fee for the channel used will apply. Note: NAB posts purchases and cash advances in that order to your account before posting payments and refunds

Channel	Cash advance fee	Minimum fee
Cash advance fee 1 (within Australia)	1.75%	$1.75
Overseas ATM 2	1.5%	$4

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NAB Business Payments Card – Visa

Monthly card fee	$0
Overseas payment order purchased fee Each payment order drawn in currencies other than Australian dollars and tendered in payment of a card account.	$5

NAB international transaction fee
Single currency transaction: A transaction made in Australian dollars with an internationally-designated merchant
Multi currency transaction: A transaction made in a currency other than Australian dollars with an internationally or Australian-designated merchant
Transaction type	Fee 1
Single currency	2.3%
Multi-currency	2.5%

¹Includes a NAB processing fee of 1.5% plus any card scheme fee charged to NAB and on-charged to you. This fee is a percentage of the converted AUD amount shown on your statement.

Cash advance fee
At a non-NAB Branch (over the counter)	$4
At a non-NAB ATM (outside Australia)	$4

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NAB Purchasing and Corporate Cards – MasterCard®/Visa

Annual fee (Membership fee) Each card per annum, charged monthly	Varies depending on contractual agreement
Transaction fee	Varies depending on contractual agreement
MasterCard® issuer cross-border assessment (Charged to NAB and on-charged by NAB to your account for purchase transactions originating overseas. The assessment is included in the Australian dollar amount shown on your account and is a percentage of the AUD amount.)	0.8%
MasterCard® currency conversion assessment (Charged to NAB and on-charged by NAB to your account for purchase transactions originating in currencies other than Australian dollars. The assessment is included in the Australian dollar amount shown on your account and is a percentage of the AUD amount.)	0.2%

® Registered trademark of MasterCard International Incorporated.

Visa international fee (Charged to NAB and on-charged by NAB to your account for any purchase transactions made in currencies other than Australian dollars, percentage of any converted AUD amount. The fee is included in the converted AUD amount.)

1%

The following applies to all four card accounts outlined above, unless otherwise indicated

Other fees

Repeat Statement Fee

$7 per statement

Lost/Stolen Card Replacement Fee

First replacement card during each annual fee period	Exempt
Second and subsequent replacement card during each annual fee period:
– Issued within Australia	$20
– Issued outside Australia	$100

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Section 4 Business Lending Facilities

Business Loans and Overdrafts

Application fee	Available on application
Service fees	Available on application
Other fees
Economic Cost1	Available on application
Extension fee	Available on application
NAB Business Markets – cap rate premium	Available on application
NAB Business Markets – range rate premium	Available on application
Prepayment fee	Abolished
Progressive drawdown fee	$60 per drawing
Review/renewal fee	Available on application

Bank Guarantee (also known as guarantee by bank)

Issuing fee	Available on application
Service fee (also known as half-yearly fee)	Available on application
At request of foreign bank	Available on application

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Bill Facilities

Application fee	Available on application
Bill drawdown fee (charged on initial drawdown and each subsequent rollover)	$150
Facility fee	Available on application
Activation fee	Available on application
Floor cap premium	Available on application
Cap rate premium	Available on application
Range rate premium	Available on application
Option premium	Available on application

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Asset Finance Fees

Documentation and settlement fees
Equipment loan 1	$375
Lease, hire purchase or term rental 1	$412.50 (GST inclusive)
Private sale (equipment loan)	$500 or .25% of the amount financed, whichever the greater
Sale and lease/hire/ rental back	$550 (GST inclusive) or .25% (plus GST) of the amount financed, whichever the greater
Specialised documentation	$750 or .25% of the amount financed, whichever the greater
Other fees
Equipment loan variation fee (payable on total prepayment)	One month’s instalment (or equivalent for structured transactions)
Personal Property Securities Registration & Maintenance Fee - equipment loan	$20
Personal Property Securities Registration & Maintenance Fee – lease, hire purchase or term rental	$22 (GST inclusive)
Lodgement of documents by bank for stamping or registration (for each lodgement) or registration of a security interest on the Personal Property Securities Register (for each registration)	$150 - bank registration fee plus applicable government registration fee

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Section 5 Other Service Fees

Account Reconciliation Service
Cheque sorting (All fees in this table are GST inclusive)	Charge per weekly reconciliation	Charge per monthly reconciliation
Up to 3000	$42.90	$58.95
3001 – 5000	$48.25	$80.40
5001 – 30,000	$48.25 plus $3.75 for each 1000 transactions or part thereof in excess of 5000	$80.40 plus $6.95 for each 1000 transactions or part thereof in excess of 5000
30,001 – 50,000	$142 plus $3.20 for each 1000 transactions or part thereof in excess of 30,000	$254.15 plus $5.90 for each 1000 transactions or part thereof in excess of 30,000
50,001 or more	$206 plus $2.65 for each 1000 transactions or part thereof in excess of 50,000	$372.15 plus $5.05 for each 1000 transactions or part thereof in excess of 50,000
Note: Charges for two-monthly and three-monthly reconciliations are twice and three times the monthly rate respectively

Agency credits 1
Over the counter deposits to an account using agency credit vouchers (eg. insurance agents payments)
50 agency credits per month	Nil (over-the-counter fees apply)
Then each agency credit over the free limit of 50 per month will be charged at:	$2 per agency credit
Note: These fees are in addition to the fees applicable to your business account (with the exception of NAB Farm Management Accounts and NAB Community Fee Saver Accounts) as detailed in this brochure
Example: The following fees would apply where an agency credit with 3 cheques is deposited over-the-counter into a NAB Business Cheque Account, and the free limit of 50 agency credits for that month has been exceeded: Agency credit voucher deposited over-the-counter (1 item) $0.90 3 cheques lodged over-the-counter (3 items) $2.70 Agency credit fee $2 Total $5.60
Agency credit deposit books	$5 per book

Automatic Teller Machines
non-NAB ATM transactions within Australia Fee for withdrawals and balance enquiries from non-NAB ATMs, per transaction	Nil. Note other fees (eg. electronic transaction fees) may still apply
Access overseas via PLUS or CIRRUS ATMs Withdrawal of funds	$4
Foreign currency transaction fee	1% of Australian dollar transaction amount (applies to withdrawals made in currencies other than Australian dollars)
From 1 May 2007 Foreign currency transaction fee (includes PLUS or CIRRUS foreign currency conversion fees)	2% of Australian dollar transaction amount (applies to withdrawals made in currencies other than Australian dollars)
PLUS or CIRRUS balance enquiry	$1

Balance transfers
Establishment fee per authority	$40
Service charge per transaction	$1.50

Bank Cheques
Issuing fee
Customer, per cheque	$8
Non-customer, per cheque	$15
Repurchase fee
Customer, per cheque	$20
Non-customer, per cheque	$20
Replacement fee
Customer, per cheque (includes issue of replacement cheque)	$25
Non-customer, per cheque (includes issue of replacement cheque)	$30

Bills – local
Charges will apply whether the bill is recalled, dishonoured, paid or accepted
Presentation of bills payable after sight for acceptance only
Bill (accepted or dishonoured) where subsequently held for collection the collection fee will also apply	$40 per item
Collection or purchase of bills payable at a bank
Per bill	$40
Interest charges will also apply to bills purchased per bill. This charge is in addition to the bill presentation fee where applicable.
Collection of “On Demand” drafts or orders or other bills not payable at a bank
Per bill	$40
Collection of cheques not lodged for credit	$40 per cheque
Exemptions:
Cheques forwarded for collection of balances of accounts
Cheques and bills received from other banks for payment on a collection basis
Per cheque or bill (fee normally deducted from proceeds)	$40
Exemptions:
Collections returned unpaid cheques/withdrawals received for collection of balances of accounts
Re-presentation of bills and cheques dishonoured
Each notice to customer	$9
If on a collection basis, each representation	$15
Negotiation of “On Demand” drafts or orders or other bills (including brokers’ drafts) not payable at a bank
Handling fee for clean drafts, orders, etc or drafts, orders, etc with one document, share certificate and/or transfer	$40
Each additional document, certificate and/or transfer	$3
Insurance: Where scrip, etc. is insured by NAB, insurance premium is to be borne by broker or other party plus a charge of $6

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BPAY® – billers fees
Biller fees (once only establishment fees)
NAB BPAY® Establishment fee	$525 (GST inclusive) each biller code
National Online Corporate (Financial File Transfer service)	$163 (GST inclusive)
Customised biller validation routine – if applicable	$4400 (GST inclusive)
Transaction fees
Each debit account transaction	$0.92 (GST inclusive)
Each credit card transaction	$0.68 (GST inclusive) plus Merchant Service fee
Error correction fees
Each debit account transaction	$1.10 (GST inclusive)
Each credit card transaction	$0.85 (GST inclusive)
Reversal entries	No charge
BPAY® payment – via NAB Connect
Each payment	$0.30 per payment. First 20 combined domestic payments (overnight) or BPAY® payments free

Cashing cheques – customer
NAB cheque presented by our customer	Nil
Non-bank financial institution cheque drawn on our bank and presented by member for encashment	$3
Other financial institution’s cheque presented by our customer	$6 plus estimated cost of any STD call

Cashing cheques – non-customer
NAB cheque presented by a non-customer	$51
Other bank’s cheque presented by non-customer (whether under encashment/negotiation advice or not)	1.5% amount of cheque (minimum $10)
Other financial institution’s savings account withdrawal	$10 per item

Certificates
Certificates supplied to customers, accountants and auditors, and listing, noting, etc.
Certificates of balance/interest accrued	$15 per certificate

Certificates covering
Bank confirmation – audit requests Bill holdings Comprehensive certificates supplied for audit Deeds and documents held Goods shipped
Each certificate at an hourly rate of	$90 per hour (minimum $70 per certificate)
Note: Charge will apply whether documents are held as security or otherwise, and to confirmation of previous certificates

Change – for non-customers
Coins of all denominations	$1 per bag or roll (minimum $4)

Charges where uncertificated shares provided as security under CHESS (Clearing House Electronic Sub-Register System)
Establishment of Sponsorship and Holder Identification Number (HIN), upon lodgement of a single line of shares into the Mortgagor’s HIN
Securities valued 1 at up to $500,000	$120
Securities valued above $500,000	$120 for the first $500,000 plus $33 for every $100,000 (or part thereof) above $500,000 (GST inclusive)
Additional lines of security lodged at establishment	$44 irrespective of value (GST inclusive)
Statement of holdings	$33 (GST inclusive)
Statement of transactions	$33 (GST inclusive)
Tax File Number (TFN) lodgement 2	$44 (GST inclusive)
Takeover acceptance 3	$44 (GST inclusive)
All other transactions not otherwise mentioned above or exempted 4	$120

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Coin/Notes fee
Applies to the exchange of notes/coin for alternative denominations of notes/coin
Where the value of cash exchange exceeds $5000 or more per day.	0.25% of total amount of cash
Exemption from this fee is deposits through:
Automatic Teller Machine (ATM), Express Business Deposit bags (EBD), Automatic Deposit Machine (ADM) and Outlets where there is no express business deposit box

Coin Swap Machine Exchange Fee
Where proceeds counted by coin swap machine are not deposited directly to a NAB account.	10% of total value counted is charged

Credit transfers – Real Time Gross Settlement
Real Time Gross Settlement payment received from other banks	Abolished

Credit transfers – standard
Credit transfers – to other NAB branches	Nil
Credit transfers – to other banks
Per transfer by normal credit clearing:
Customer	$5
Non-customer	$15
Plus cash handling fee:
Customer	Nil
Non-customer	1.5% on total cash amount (minimum $1)
Plus item fee	$0.50 per item, if more than 20 items
Drawing on account of favoured for credit transfer fees	$4 per drawing plus applicable fees
Note: Where encoded debit is provided no fee is charged.

Customer Vouchers Online
Voucher retrieval via NAB Connect	$2 per voucher

Debenture and bonds
Collection of matured debentures/ bonds (held at branch)	$20 per debenture/bond

Debenture interest coupons – collection of
Lodged across the counter – per coupon each lodgement	$20
Debentures held for safe custody or security – per coupon each lodgement	$20

Deposit books (multicopy)
Credit listing (pad of 75 in triplicate)	$5
Credit listing (pad of 50 in triplicate)	$5
Credit listing/summary slip covers	$5
Credit summary (pad of 150)	Nil
Duplicate large deposit (CD) (book of 50 in duplicate)	$5
Agency credit deposit book	$5
Triplicate company deposit (book of 50 in triplicate)	$5
Triplicate company agency deposit (book of 50 in triplicate)	$5

Direct Entry system – bureau user and NAB Direct Link user
Establishment fee direct entry1 – bureau user	$215 per user ID (GST inclusive)
Establishment fee direct entry1 – NAB Direct Link	As per Letter of Offer
Transaction fee – credits and debits	$0.15 per item2 (GST inclusive)
Reference fee	$35 per file2,3
Limit exceed TNA user	$54 per file4 (GST inclusive)
Recalls (credit file only)	$54 per file2 (GST inclusive)
Trace requests	$76 per item2 (GST inclusive)

Charges related to direct entry debits returned per item
Notice of return	Abolished
All returned items

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Direct Entry system – via NAB Connect1
Establishment fee
Credit user	$150 (GST inclusive) per ID
Debit user	$545 (GST inclusive) per ID
Service fee
When Direct Credit, Direct Debit, Payroll or Executive Payroll services are registered (irrespective of use)	$15 (GST inclusive) per month
Transaction fees
Credits, per item	$0.15 (GST inclusive)
Debits, per item	$0.15 (GST inclusive)
Trace requests	$76 (GST inclusive) per trace for individual transactions or $76 (GST inclusive) per hour for file investigation
Charges related to direct entry debits returned per item
Notice of return	Abolished
All returned items

Direct Entry system – via National Online Business or National Online Corporate1
Establishment fee
Credit user	First Direct Entry User ID free then $120 (GST inclusive) per ID
Debit user (National Online Corporate only)	$545 (GST inclusive) per ID
Transaction fees
Credits, per item	$0.15 (GST inclusive)
Debits, per item (National Online Corporate only)	$0.15 (GST inclusive)
Recalls, debit or credit	$54 (GST inclusive) per file recalled
Trace requests	$76 (GST inclusive) per trace for individual transactions or $76 (GST inclusive) per hour for file investigation
Reference fee Incurred on each referral to Business Banker of a Direct Payments Payment Instruction requiring approval because either a formal limit or available funds (where no formal limit) is insufficient to process the Instruction. Incurred on day of referral.	$35 per referral 2
Charges related to direct entry debits returned per item
Notice of return	Abolished
All returned items

Dishonour charges
Inward items The dishonour charge is charged to the customer whose lodged item is returned unpaid by the bank/branch
Dishonoured cheques where special request for facsimile advice is held (fees here incorporate a $4 facsimile advice fee)
Charges relating to dishonoured cheques:
Each notice to customer	Abolished
All dishonoured items where no special request for facsimile advice is held
Charges relating to dishonoured items cheques/bills:
Each notice to customer	Abolished
Collection basis, each re-presentation	$15
Charges related to periodical/direct entry debits dishonoured per item
All dishonoured items
Notice of dishonour	Abolished
Additional to original notice per copy	$10
RentCard
Australia Post	$15 per notice of dishonour
Pay by phone	$8 (GST inclusive) per notice of dishonour
Outward items The dishonour charge is charged to the customer whose lodged item is returned unpaid by the bank/branch
Items dishonoured – each item	Abolished
Charge will apply to all debits dishonoured for lack of funds or uncleared funds and cheques considered deliberately post-dated, but not for technical irregularities or stop payments

EDP services
Customer transactions processed Note: Statements in respect of these services are forwarded to customers who may, if they wish, arrange to have charges debited to their accounts
Details of cheques/agents’ credits and off-line cheque sorting
Service (All fees in this table are GST inclusive)	Charge per 1000 transactions or part thereof	Minimum charge per run
Listing	$5.35	$21.45
Cheque sorting	$5.35 per 1000 document passes through reader/ sorter at DP centre	$21.45

Encashment/negotiation advices
Standing facilities to cash business cheques or orders at another branch or bank
Establishment fee	$50
Renewal (annual) fee	$50
Amendments during term	$50
A cash handling fee may be charged for amounts in excess of $5,000 per day, non-cumulative

Execution of finance company agreements/contracts
Obtaining execution of contracts and/or agreements
Per contract or agreement	$70 per hour(minimum $35)

Fax transmission of statements or other documents
Charge applies to statements and other documents transmitted at customer's request1
First page	$4
Each additional page	$2

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Funds transfer fee – email or fax request
Incurred when NAB processes written instructions received via letter, email or fax to manually transfer funds to another NAB account or an account with another financial institution. Email and fax written instructions will only be acted on where an Email/Fax Authority or Facsimile letter of authority is held. 2	$20 per transfer (not per letter, email or fax) plus applicable transaction fees (see Teletransfers and Real Time Gross Settlement and payment from lists)

Inspection of securities
Where the property forms part of the security for a lending facility
Residential property	No charge
Commercial property	Available on application

Legal fees
Please refer to NAB's Legal Fees and Charges booklet, available on request, for a comprehensive list of Legal Fees and Charges applicable to lending transactions and enforcement matters where legal work is performed by NAB’s internal legal department.

Lending services
Stamping
Lodgement of documents by bank2	$150

Lists received from customer via Multipay1
Multipay establishment fee	$200 (GST inclusive)
Fee per direct credit transaction Fee is charged for each payment irrespective of NAB being the payee bank	$3.50 (GST inclusive)

Lodgements for credit of third party cheques received through the mail (or delivery) where no deposit slip is provided (eg. dividends)
Each deposit slip made out (deducted from amount of deposit)	$5

Merchant service fee
Visa & MasterCard	A merchant service fee is determined based on the value of credit card transactions processed. For more information refer to merchant service fee
American Express

Maintenance fee – National Online Business and National Online Corporate
$15 (GST inclusive) per month

Merchant Services
(Payment channels include EFTPOS terminals, internet, IVR, batch and paper)
Merchant establishment fee	A once only fee charged upon establishment of the merchant facility (this fee includes GST)
Imprinter fee – electronic merchants	$1.10 (GST inclusive) per imprinter per month
Imprinter fee – manual (paper based) merchants	$2.20 (GST inclusive) per imprinter per month
Chargeback fee	$25 (GST inclusive)
Merchant service fee	A Merchant Service Fee is determined based on the value of credit card transactions processed. A minimum monthly Merchant Service Fee (MSF) of $22 for the acceptance of credit card, debit card and China Union Pay transactions will be charged in any month where the total MSF payable is less than twenty two dollars ($22). A $15 per month (GST inclusive) minimum MSF will apply to paper based merchants, if the MSF for the acceptance of credit and debit card transactions in any one calendar month is less than $15 (GST inclusive).
Transaction fee	A transaction fee is based on the number of transactions processed. For EFTPOS this only applies to debit card transactions. This fee includes GST.
Terminal fee	A terminal fee is charged per terminal per month based on the type of terminal. This fee includes GST.
Annual fee	An annual fee is charged on the anniversary month of merchant facility establishment.
Access fee	Charged monthly for merchant facilities for processing card transactions for telephone, mail and/or internet orders.
Credit card authorisation request fee	Voice authorisation requests (operator assisted) $6.50 (GST inclusive) per request. $0.79 (GST inclusive) per key authorisation request (paper based merchants only). These fees apply when you call NAB KEYAUTH on 13 25 15.
Stationery fee	Refer to NAB Stationery Brochure. All prices in the brochure include GST and postage costs.
Terminal replacement fee	Up to a maximum of $999 (GST inclusive) per terminal which is lost, stolen, or damaged.
Closure fee	If you opt in for Minimum Commitment Period (MCP): $450 (GST inclusive) per Merchant ID. The Closure Fee is waived after the MCP end date. If you do not opt in for Minimum Commitment Period: $150 (GST inclusive) per terminal or per Merchant facility if no terminals are taken.

Miscellaneous service charge
Charge rate	$90 per hour (minimum $70)

Multiple funds transfer fee1
Applicable where a multiple funds transfer is made via NAB Internet Banking. For example, a payroll file for 20 staff members (ie. 20 credits) would incur a $4 service fee.	$0.20 per credit

NAB Express Business Deposit
Bags	Nil
Note: This does not include non-over the counter deposits, withdrawals and each item lodged on deposit transaction fee (refer to Section 1 and 2 of this brochure)

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NAB Internet and Telephone Banking
Fees apply to NAB Internet and Telephone Banking, so refer to Section 1 and 2 of this brochure

Pay In Person (Complete Biller Package)
Transaction fees
Each remittance processed	$2 (GST inclusive)
Each remittance processed using a credit/charge card	$2 plus merchant service fee
Pay in person chargeback request	$25 per chargeback request
Australia Post dishonour fee	$15 per notice of dishonour

Payment Authorisation Fees using NAB Connect
Authorising Users	First authoriser free, then $5 (GST inclusive) per user per month
Security token (initial)	First token free, then $20 (GST inclusive) per token
Security token (replacement)	$20 (GST inclusive) per token

Payment from lists – lists lodged at the branch by customer
Accounts at NAB branches	$5 (GST inclusive) each credit
Accounts at other banks which require preparation of credit transfer slips, per payment	$5 (GST inclusive) each credit (credit transfer fees and funds transfer fees – email and fax request may apply – refer below)
For deposits to accounts at another bank, individual deposit slips must be completed
Credit transfers – standard
Credit transfers – to other NAB branches	Nil
Credit transfers – to other banks
Per transfer by normal credit clearing
Customer	$5
Non-customer	$15
Funds transfer fee – email or fax request
Incurred when NAB processes written instructions received via letter, email or fax to manually transfer funds to another NAB account or an account with another financial institution. Email and fax written instructions will only be acted on where an Email/Fax Authority or Facsimile letter of authority is held.	$20 per transfer (not per letter, email or fax)

Payments using NAB Connect
Domestic payment (overnight)	$0.30 per payment. First 20 combined domestic payments (overnight) or BPAY® free
Domestic payment (urgent)	$12 per payment
Trace requests	$70 per trace for individual transactions or $70 per hour for file investigation

Payments using National Online
Using Domestic Funds Transfer service to credit various accounts at NAB branches or other financial institutions
Overnight	$0.20 per transaction to accounts at other financial institutions
Within Day	$0.20 per transaction to accounts at NAB $10 per transaction to accounts at other financial institutions
Urgent	$12 per transaction to accounts at other financial institutions
Trace requests	$70 per trace for individual transactions or $70 per hour for file investigation
Reference fee Incurred on each referral to Business Banker of a direct funds transfer payment instruction requiring approval because either a formal limit or available funds (where no formal limit) is insufficient to process the Instruction. Incurred on day of referral.	$35 per referral1

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Periodical debit system – vouchers
Periodical life assurance payments lodged for collection
Voucher entries, per item	$10 (GST inclusive)
Periodical Payments
Payable on each payment made from your account under a Periodical Payment Authority
To accounts at the same branch or another branch
Charge per payment	$1.80
Exemptions:
Repayments to NAB business loans from a NAB Business Cheque Account ($0 Monthly Fee Option), a NAB Business Cheque Account ($10 Monthly Fee Option), a NAB Business Management Account or a NAB Farm Management Account
To accounts at another financial institution
Charge per payment	$5.30
The above fees are in addition to any electronic transactions fee applicable to your account (see Section 1 and 2)
By bank cheque, international cheque, etc
Service charge per payment	$5 plus applicable issuing fee
Payment not made due to lack of funds
Per payment	Abolished

Mortgage Discharge Fee
Includes preparation of discharge, attending settlement, lodgement of documents and other release of a security interest where applicable.	$350

Documents received against payment of money

$200 per settlement

Reference fee
Each day where debits are paid causing an account to overdraw without an approved facility limit or in excess of a facility limit or each time where an account is already overdrawn or exceeding the facility limit and any further debit is made. There will be no fees for overdrawing your account by up to $1000.	$501

References given by the bank for use at auctions
Issuing fee, per reference	$80

Registration
Lodgement of documents by bank for stamping or registration (for each lodgement) or registration of a security interest on the Personal Property Securities Register (for each registration)	$150
Production of Documents to permit registration by other parties	$150

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Reimbursement drawings under authority
Service charge per drawing	$20

Safe custody services
Customer’s sealed packets
Custody charge	$26.75 (GST inclusive), per packet per year
Exemption:
Existing first packet lodged as at 1 January 1995 is free until further notice. Charge to be made on lodgement and annually thereafter as at 31 May.
Activity charge where consistently more than one access per month
First access per month	Nil
Additional accesses per month, per access	$5.35 (GST inclusive)
Customer’s locked boxes and double custody items
Custody charge per 8000 cubic centimetres (500 cubic inches) or part thereof	$64.20 (GST inclusive) per year or part of year
Charge to be made on lodgement and then annually as at 31 May
Activity charge – where consistently more than one access per month:
First access per month	Nil
Additional accesses per month, per access	$5.35 (GST inclusive)
Note: Where locked box/double custody item is known to contain computer tape/s, disk/s or microfilm records, minimum annual charge is $70.60 (GST inclusive) plus activity charge of $5.35 (GST inclusive) per lodgement (to be applied as at 31 May on a retrospective basis)
Customer’s sealed bags/locked boxes lodged overnight
Flat charge per night	$21.40 (GST inclusive)
Charged on lodgement or monthly by arrangement with customer

Safe deposit boxes
Available in Adelaide, Brisbane, Geelong, Melbourne, Perth and Sydney. Fees for this service vary depending on where the service is provided. Details of applicable fees are available on application (please direct all enquiries to the NAB customer contact centre – details are on the rear cover of this brochure).

Scrip and similar transactions
Non-value transactions
Per transaction	$80
Charge applies to transactions of the following nature, whether scrip is held as security or otherwise:
Change or correction of name Delivery of scrip, debentures, etc. to third party without receipt of money Exchange of stock units Lodging scrip for conversion etc. Obtaining transmission receipts Splitting of certificates
Value transactions
See documents surrendered against receipt of money or documents surrendered against payments of money

Search fees
Office of Titles searches and all other searches not performed by NAB’s internal legal department
Where carried out by officers of NAB	$40 per search plus outlays incurred
Where carried out by professional searching firm on behalf of NAB	$35 per search plus searching firm’s charge (inclusive of registrar’s fee)
Company/business name /Personal Property Securities Register searches (excludes unregistered foreign titles)
Company search	$40 per search (inclusive of registrar’s fee)
Business name search	$40 per search (inclusive of registrar's fee)
Personal Property Securities Register search	$20 per search (inclusive of registrar's fee)
Unregistered foreign entities
Company/Business name searches	$300 per search plus an hourly rate of $90 per hour or part thereof

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Short term money market transactions
Settlements in respect of lodgement or withdrawal of funds from official or unofficial market	$110 per settlement

Special clearances of bills, cheques, etc. at customer’s request
Where messenger or clerk is specially employed to clear
On a time basis at the rate of	$70 per hour (minimum $35) plus out-of-pocket expenses
Where telegraphic, telephone or mail advice of fate is requested
Per item	$15

Statement covers

$2 per cover

Statements of account – issue of
Repeat statements, requested	$7 per statement
Duplicate statements printed and issued with original statement	$4 per statement
Provisional listing	$4 per page
Additional fax charge	$4 for page one $2 for subsequent pages

Statements of account – verification of transaction
Less than 1 year since transaction	$2.50 per item (minimum $10)
1 year or more since transaction	$5 per item (minimum $20)

Statements of account – via National Online Business
Per account transaction item listed on account statements as placed in National Online electronic mailbox	First 10 transactions free each month, then $0.15 per transaction or $120 per month flat fee
Intraday account enquiries	$0.50 per connection to NAB

Statements of account – via National Online Corporate
Standard account reporting
Per account transaction item listed on account statements as placed in National Online electronic mailbox	First 10 transactions free each month, then $0.15 per transaction or $120 per month flat fee
Intraday account enquiries	$0.50 per connection to NAB
Account reporting with account reconciliation
Per account transaction item listed on account statements as placed in National Online electronic mailbox	First 10 transactions free each month, then $0.17 per transaction or $160 per month flat fee
Intraday account enquiries	$0.50 per connection to NAB

Stop payment request	$15 per request
Each cheque is treated as a separate request unless cheques are in an unbroken sequence of cheque numbers. Cheques reported stolen are exempt from this fee if a copy of the police report is provided

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Teletransfers and Real Time Gross Settlement
Flat charge, which includes cost of message:
Customer	$35
Non-customer	$45
Plus, if to another bank, cash handling fee:
Customer	Nil
Non-customer	1.5% of total cash amount (minimum $1)
Note: Where Teletransfer or Real Time Gross Settlement instruction is received via letter, email or fax, funds transfer fee – email or fax request will also apply
Exemption:
Funds representing proceeds of inward overseas telegraphic transfer
Funds transfer fee – email or fax request
Incurred when NAB processes written instructions received via letter, email or fax to manually transfer funds to another NAB account or an account with another financial institution. Email or fax written instructions will only be acted on where an Email/Fax Authority or Facsimile letter of authority is held.	$20 per transfer (not per letter, email or fax)

Tracing of electronic payment files – National Online Direct Payments or Direct Credit, Direct Debit, Payroll and Executive Payroll via NAB Connect
For single/multiple investigative file traces	$76 (GST inclusive) per hour for file investigations

Tracing of electronic payment files – National Online Domestic Funds Transfer or NAB Connect Domestic payments (for payments that do not require a Direct Entry User ID)
For single/multiple investigative file traces	$70 per hour for file investigations

Tracing of electronic payment transactions – Direct Entry, National Online Direct Payments or Direct Credit, Direct Debit, Payroll and Executive Payroll via NAB Connect
Per transaction traced	$76 (GST inclusive) per transaction

Tracing of electronic payment transactions – National Online Domestic Funds Transfer or NAB Connect Domestic payments (for payments that do not require a Direct Entry User ID)
Per transaction traced	$70 per transaction

Transmission of deeds, documents, etc. for inspection, delivery or execution
This excludes finance company contracts and agreements
Flat charge	$80
Charge shall not be made where security documents are forwarded for execution.

Vouchers – surrender or production for inspection of paid vouchers
Surrender of paid vouchers	$80 per 100 vouchers or part thereof per calendar quarter (minimum $80)
Individual vouchers turned up and produced or selected items held out for inspection
Vouchers processed:
During last year, per item	$2.50 (minimum $10)
1 year or more ago	$5 (minimum $20)
Where this charge is deemed inadequate for time involved, charge at the rate of	$70 per hour
Vouchers held out for inspection by customers, auditors, etc. and subsequent retention by NAB	$1 per voucher (minimum $15) plus postage costs and out-ofpocket expenses
Note: Out-of-pocket expenses may be incurred where vouchers are forwarded to another branch for inspection

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International Payments

International Drafts/Cheques Outward
Drawn on banks with currency/AUD arrangement with NAB	$22
Drawn on banks without currency/AUD arrangement with NAB	$25
Refund/Reissue (this charge covers the cost of placing a ‘stop’ where the original cheque has been lost/stolen)	$30
Repurchase	$20
Telegraphic Transfers Outward (sent overseas)
International Payment via NAB Connect	$20
International Funds Transfer via National Online Corporate	$20
International Transfer via NAB Internet Banking	$22
Over The Counter	$30
Pursuant to Email/Fax Authority or Facsimile Letter of Authority	$35
Enquiries regarding payment (International Drafts/Cheques and Telegraphic Transfers)
General enquiries or investigations, at a customer request, that require SWIFT messaging	$25
Cancellation of telegraphic transfers
Cancellation of telegraphic transfers	$20

International Drafts/Cheques Inward (received)
	Customer1	Non-Customer
In overseas currency and purchased: Payable outside Australia (overseas):
Includes drafts, cheques and dividend warrants etc. and negotiations under traveller’s letters of credit
Up to and including the equivalent of $10	Free	$20
Over the equivalent of $10	$10 for each purchase. Effective 19 March 2012, the fee will change to $15 for each purchase	$20 for each purchase
Payable in Australia:
Drawn on another bank and forwarded for collection	$40	$60
Drawn on NAB	$10 for each purchase	$20 for each purchase
In Australian dollars and purchased:
Drawn on NAB	Free	$10 if cashed
Payable outside Australia	$40	$60
Sent for collection in Australian or overseas currency payable outside Australia	$40 (GST inclusive)	$60 (GST inclusive)
Dishonour of overseas cheques
	Customer	Non-Customer
Dishonour of overseas cheques	$30	$30

International Transfers Inward (received)
Overseas banks may charge NAB a commission in respect of these transfers, which are included in our fee. Our fee also depends on the currency of the transfer. This fee is usually deducted from the amount paid.
Transfers to NAB in Australian or overseas currency:
Deposited to NAB account	Up to $15
Or
Deposited to non-NAB account	Up to $30
Transfers of overseas currency received by NAB and transferred to another bank unconverted:
NAB Customer	Up to $35
Non-NAB Customer	Up to $35

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Travel Money
	All Customers
Foreign Currency Notes (Issued)	1.10% of AUD equivalent (min $10) (GST inclusive)
Foreign Currency Notes (Cashed)	1.10% of AUD equivalent (min $10) (GST inclusive)
Travellers Cheques (Issued)	1.10% of AUD equivalent (min $10) (GST inclusive)
Cash Passport1 (Issued)	1.10% of AUD equivalent (min $10) (GST inclusive)
Cash Passport1 (Reloaded)	1.10% of AUD equivalent (min $10) (GST inclusive)

Travellers Cheques (Cashed)
	NAB Group Issued	Non-NAB
Australian and foreign currency	Free	$5

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Section 6 Government Taxes and Charges

Goods and Services Tax (GST)

The GST Clause applies to fees and charges that are not expressed as ‘GST inclusive’ in this brochure. However, in the event of a change to the GST rate¹, NAB reserves the right to apply the GST clause to all fees in this brochure.

GST clause

If NAB is liable to pay Goods and Services Tax or any similar tax (GST) on a supply made in connection with a service referred to in this brochure, then the Customer agrees to pay NAB (on demand) an additional amount equal to the consideration payable for the supply, multiplied by the prevailing GST rate.

Definition of GST

‘GST’ a Goods and Services Tax or any similar tax imposed in Australia.

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Section 7 Definitions

NAB Business Cheque Account ($0 Monthly Fee Option), NAB Business Cheque Account ($10 Monthly Fee Option), NAB Business Management Account, NAB Everyday Business Account, NAB Business Cash Maximiser, NAB GST Business Offset Account, NAB Community Fee Saver Account and NAB Farm Management Account.

Over the Counter deposits, withdrawals and each item lodged on deposit include:

• Deposit slips processed over the counter or at Australia Post outlets
• Withdrawal slips or cheques cashed over the counter
• Deposits or withdrawals made over the counter where a card or card and PIN are used in connection with the transaction/s.
  Note: Each deposit transaction and each withdrawal transaction to/from an account is a separate item
• Pinned card activated withdrawals at Australia Post outlets
• Each item lodged on deposit

Non-Over the Counter deposits, withdrawals and each item lodged on deposit include:

• Deposit slips processed via non-over the counter methods such as express business deposit and cheque only deposit. This includes express business deposits lodged into a bank Automated Deposit Machine (ADM).
• Any other cheques written on an account (withdrawals)
• Each item lodged with a deposit ie. each cheque paid in with a deposit slip via non-over the counter methods such as express business deposit and cheque only deposit. This includes express business deposits lodged into a bank ADM. Note: A merchant envelope is counted as one item.

NAB ATM transactions include:

• Each deposit and withdrawal made at a NAB ATM
• Each item lodged with a deposit slip via a NAB ATM
• Note: NAB ATM transactions do not include express business deposits lodged into a bank ADM

Electronic transactions include:

• Transactions to/from your account conducted via NAB internet banking (including bill payment BPAY®), NAB telephone banking (including bill payment BPAY®), EFTPOS and periodical payments, direct debits, direct credits and other funds transfers to/from your account but do not include:
  • over the counter transactions to/from your account where a card or card PIN are used in connection with the transaction/s; or
  • unless otherwise specified, excludes multiple funds transfers made via NAB internet banking

Important note: Some electronic transactions will also attract a separate fee, as set out in Section 5 – Other Service fees. For example, a payment from your account made under a Periodical Payment Authority is an electronic transaction and is charged accordingly. A separate Payment fee is also payable.

Services available for business customers at Australia Post include:

Services	Applicable accounts
Deposits, withdrawals, account balance enquiries, EFTPOS	NAB Business Cheque Account ($0 Monthly Fee Option) NAB Business Cheque Account ($10 Monthly Fee Option) NAB Business Management Account NAB Everyday Business Account NAB GST Business Offset Account NAB Community Fee Saver Account NAB Farm Management Account
Withdrawals from a credit card account are cash advances and, in addition to the cash advance fee, interest will be charged. However, if cash is taken out via EFTPOS the transaction may incur the over the counter fee applicable to the account.

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