The new Banking Code of Practice, (Code), comes into effect on 1 July 2019. It's a set of enforceable standards that individual and small business customers and their guarantors can expect from Australian banks, including NAB.

The Australian Banking Association (ABA), together with its member banks including NAB, have completely re-written the Code to better meet community expectations. The new Code is the strongest ever. It's clearer, easier to understand, and has greater protections for individual and small business customers and their guarantors.

The original Code was published in 1993 with revisions made in 2004 and 2013. NAB has been a long-standing member of the ABA and has adopted the 2019 Code.

Areas that the Banking Code of Practice covers

  • How the Code works
  • Your banking relationship
  • Opening an account and using our banking services
  • Inclusive and accessible banking
  • When you apply for a loan
  • Lending to small business
  • Guaranteeing a loan
  • Managing your account
  • When things go wrong
  • Resolving your complaint

View or download a copy of the Banking Code of Practice (PDF, 4.4MB).

Further Information

The Banking Code of Practice is also available at our branches and outlets (except Australia Post).

Further information about the Code and Frequently Asked Questions (FAQs) are available at the Australian Banking Association website.

If you would like to report an alleged breach of the Code you can contact the Banking Code Compliance Committee.