NAB Classic Banking

• No monthly account fees, ever, no matter how you bank.
• No minimum deposits.
• NAB 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.
• 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

You told us that you want fairer banking, and we listened. NAB Classic Banking promises you:

• no monthly account fees, ever
• no overdrawn fees
• no direct charge at NAB ATMs or rediATMs.

Non-NAB ATMs

To avoid ATM fees it's best to use our NAB ATM network, including 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

There are fees for using ATMs overseas - $4 per withdrawal and $1 per balance enquiry.

There’s also a 2% fee on the Australian dollar transaction amount for cash withdrawals or purchases made in currencies other than Australian dollars.

If you want to avoid these fees, consider NAB Gold Banking.

Personal banking guide to fees and charges

• 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.

You can use your NAB 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 Classic Banking account. (Fees can apply at non-NAB ATMs. See the "Fees" tab for details.)

• Access special offers on shows, events, experiences and movies from Visa Entertainment.
• Shop online more 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.

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

Press "credit" when you shop and get:

• complimentary 3 months Purchase Protection Insurance¹
• Visa Zero Liability – reimbursement if your card is used fraudulently, or after it's been lost or stolen (conditions apply).

Overseas ATMs

Your NAB Visa Debit card works in most overseas ATMs on the PLUS network. Just look for the PLUS sign.

Read more about NAB Visa Debit cards

1. This is only a brief summary of the benefits and exclusions may apply. Purchase Protection Insurance for NAB Visa Debit card is issued by Chubb Insurance Company of Australia Limited (Chubb), ABN 69 003 710 647, AFSL No. 239778 of Level 29, Citigroup Centre, Park Street, Sydney, New South Wales 2000. The terms, conditions and exclusions of Purchase Protection Insurance are specified in the NAB Purchase Protection Insurance policy document information booklet and may be amended.