Don't get caught off guard

Electronic banking tips to help keep your money and accounts safe.

In today’s digital world, being prepared for tricks and scams before they hit is the first step to avoiding your account being compromised. Keeping your information secure is vital – things like your card, Personal Identification Number (PIN), Phone and Internet Banking passwords, online passwords, SMS Security Code and Authentication Device.

Avoiding scams and hoaxes

  • Treat any unsolicited email with caution. We’ll never ask you to log in or verify your banking details via a link or an attachment. If you do receive an email of this nature purporting to be from ‘NAB’, don’t act on it. Instead, forward the email to and then delete it.
  • Regularly check your account statements. If you spot a transaction you don’t remember or recognise, let us know.
  • Be wary when receiving emails or SMS containing a link. Whilst NAB will from time to time send out communications via email or SMS that contain a link, we’ll never ask you for your personal or financial details in this way or provide an incentive on completion of a survey.
  • We’ll SMS you one-time passwords for internet transactions – so it’s important to keep your phone secure. Never share this SMS code with anyone. Keep an eye on your mobile phone. If it ever stop working, get in touch with your service provider to make sure you haven’t been a victim of mobile phone porting, this is where scammers may use your information to transfer your phone number to another provider so they can receive any security codes sent by NAB.
  • When downloading apps, ensure that they are from the official app store. Never download an app from a link in an email or SMS.
  • Set your privacy settings on social media to the highest level, and be careful about the personal information that is shared. Fraudsters could use this information to attempt to scam you.
  • Be mindful of suspicious calls as fraudsters may call you pretending to be from NAB to try and trick you into providing personal details over the phone.
  • Beware of who you are dealing with online. Some offers or opportunities made to you online may not be legitimate (or truthful). First check the company’s credentials at ASIC’s MoneySmart website by the Australian Securities and Investment Commission. It also has tips to avoid getting caught up in or losses from these money making or loan scams.
  • Report any scams to ‘SCAMwatch’ at, a service website run by the Australian Competition & Consumer Commission and ACORN (Australian Cybercrime Online Reporting Network) under the ‘Report a Scam’ section, a website run by the Australian Federal Police.
  • Keep up-to-date with online threats and advice at, and the Australian Federal Government’s free Stay Smart Online Alert Service. Sign up at
  • Avoid using computers in public places like internet cafes, hotels and airport lounges to do online banking.
  • It’s really important to have up-to-date anti-virus software to detect and prevent online attacks. NAB offers customers a free 6 month trial of security software for home use.

Keeping your banking information secure

  • Don’t share your passwords, PINs or security codes with anyone!
  • Always type directly into your browser. Do not access the NAB website from a link in an email, SMS, a pop-up, or from your browser history.
  • When transacting with NAB online, check that the URL (web address) has changed from ‘http’ to ‘https’ and that a closed padlock icon is present. This indicates a secure Internet session.
  • Make sure your password/PIN is hard to guess. Never write it down, and change it frequently.
  • Don’t choose a password/PIN that’s easily identified with you (e.g. your birth date, car registration, telephone number or name).
  • Don’t use the same password/PIN for other websites, such as social media websites – they can be less secure.
  • Don’t let anyone watch you enter your password/PIN. Use your hand to cover the PIN pad.
  • Keep your mobile phone secure.
  • Don’t share your OSID (located on the back of NAB Visa Debit and Credit cards) with anyone, unless you are completing an online purchase that you initiated.

Card security

  • Sign the back of new cards as soon as you get them.
  • Don’t let anyone else use your card.
  • Regularly check that you still have your physical card (and if you’re using NAB Pay, your mobile phone).
  • Let us know as soon as you realise your physical card (and if you’re using NAB Pay, your mobile phone) or PIN has been lost, stolen or used by someone else.
  • Don’t use any payment device if you think something isn’t right – fraudsters have been known to use fake equipment to steal cards or capture PIN details.
  • When your card expires, destroy it by shredding or cutting it up. Make sure you slice through the embedded microchip, magnetic strip and security code.

Reduce the risk of identity theft

  • Secure your letterbox to prevent your mail being stolen.
  • Let us know immediately if your address or contact details change.
  • Never give out personal information to people you don’t know or trust.
  • Make sure any documents containing personal information are destroyed by shredding before you get rid of them.

When to notify NAB

If your card has been lost or stolen, call us immediately on 1800 033 103 (within Australia) or +61 3 8641 9121 (from overseas) 24 hours, 7 days a week. (Calls from mobile phones are charged at applicable mobile phone rates.)

You can also block, unblock and replace your linked consumer and business cards by clicking on My cards on the main menu in NAB Internet Banking or the My cards menu in the NAB Mobile Banking App.

If you believe your account has been compromised, let us know immediately by calling 13 22 65 (personal) or 13 10 12 (business), especially if:

  • Someone finds out your PIN, security codes or passwords.
  • There’s an error, unauthorised access or unauthorised transaction on your account.
  • Your mobile phone is lost or stolen – and your mobile phone number is registered for SMS Security.
  • You’ve provided your banking details to an unsolicited email or unknown caller.

Call us to tell us about any changes to your address.

Call 1800 098 231 (within Australia) or +44 207 649 9404 (if overseas) about your NAB Traveller Card.

For more information call

for personal 13 22 65

for business 13 10 12