A few key results


Australians assisted with small loans in partnership with Good Shepherd in FY19.


Approved microfinance loans for 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, state governments 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 low-interest or no-interest loans

  • Provided over 210,000 no-interest loans to Australians on a low-income

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. A report (PDF, 4.9MB) into the social return on investment of NILS found that for every dollar of value invested, $1.59 worth of social and value was created.

  • Provided $63 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.

We’ve backed the creation of an affordable small cash loan

Speckle is a fast online cash loan that’s 50% cheaper than most small cash loans. Because Good Shepherd Microfinance 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 $2,000 and need to access this type of credit quickly.

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

We’ve made saving money easier

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

We offer fee free banking to all our customers with our NAB Classic Banking account.

We’ve provided expert services to help people understand finance

  • Assisted over 70,000 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 learn more about 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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