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People assisted with small loans in partnership with Good Shepherd Microfinance since 2003.


Approved microfinance loans for low-income Australians since 2005.


Provided in microfinance loans since 2003.

Why is this important?

Some people don’t have access to credit or banking, which can put them at risk of falling into poverty and missing out on opportunities. We want to play a part in helping Australia’s most vulnerable with small loans and other financial help so they can get ahead, which also adds to sustainable economic growth.

What do we do?

Since 2003, we’ve been working with Good Shepherd Microfinance and the Federal Government to help provide Australians with financial resources, education and microfinance products in over 600 locations around Australia.

We’ve helped with basic-interest or no-interest loans

  • Helped 153,750 low-income Australians access no-interest loans

We support Good Shepherd Microfinance's No Interest Loan Scheme (NILS) to help Australians afford household essentials or education expenses with loans of up to $1,500.

  • Provided $50.6 million in low-interest loans to Australians who usually have trouble getting finance

Developed in partnership with Good Shepherd Microfinance, eligible Australians can borrow up to $3,000 at a low interest rate of 5.99% p.a. through the StepUP program. They also provide support from a microfinance expert to help with financial goals.

  • Helped 1,884 small business owners with loans and mentorship

The NAB Microenterprise Loan Program helps small business owners with loans from $500 to $10,000, as well as training and advice for business planning and managing finances.

We’ve backed Good Shepherd Microfinance to launch an affordable small cash loan

Speckle is a fast online cash loan, that’s 50% cheaper than most small cash loans. Because Good Shepherd is a not-for-profit organisation, they’re able to keep fees as low as possible.

Speckle is an affordable option for people who are employed, can afford a cash loan of up to $2000 and need to access this type of credit.

NAB assisted in the development of Speckle and provided support from skilled volunteers across the bank.

We’ve made saving money easier

  • More than $3 million saved and matched through our savings plan for low-income Australians

Developed in partnership with Good Shepherd Microfinance, our AddsUP Saving Plan, helps eligible small-loan customers to build long-lasting habits, by matching dollar-for-dollar what they save, up to $500.

  • The first bank to offer a fully-featured, transaction account with no monthly account fees to all personal customers

Our transaction account with no monthly account fees helps customers to save. See how it works.

We’ve provided expert services to help people understand finance

  • Assisted over 33 000 families and individuals with financial access and conversations through Good Money.

In partnership with Good Money and state governments, we’ve opened up Good Money stores in Victoria, South Australia and Queensland, where people can get access to small loans and have conversations with experts to build their healthy relationship with finance.

We have also used the lessons learned in Australia to support the development of financial inclusion in New Zealand, through Bank of New Zealand (BNZ), the NZ government, the Salvation Army and Good Shepherd NZ.

Want more information?

For further resources on Financial Inclusion and Resilience in Australia, please go to our resources library.

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