Check your eligibility

  • You’re the owner or director

  • You’re a sole trader or company with up to two directors

  • You have a valid ABN/ACN and operated under your current registered ABN/ACN for more than 12 months

  • You have two of the following: Australian Passport, Australian Drivers Licence, Medicare Card.


Automate everyday business tasks, get up-to-date financials and file payments with the ATO in a matter of clicks. Xero helps you run your business – from wherever you are.

online accounting

Smart online accounting

Let Xero do the heavy lifting while you manage your business.

receiving payments

Receiving payments

Get notified the moment a payment arrives.

making payments

Making payments

Make business payments directly from Xero, and then approve them easily on the NAB app.


Step 1. Apply in less than 10 minutes

Select your NAB Business Everyday Account and apply online.


Embrace the flexibility of only paying for what you need.

$ 2.50

Banker assisted transactions

$ 0.60


$ 0.60

Each non-banker assisted paper based deposit and withdrawal

  • For businesses that make a low number of transactions and mainly transact online
  • Unlimited standard NAB electronic transactions View disclaimer *
  • Link your transaction data feeds with accounting packages like Xero
  • Link to a NAB Business Visa Debit card at no cost

Get greater certainty of your costs with a flat monthly fee.

$ 0

Banker assisted transactions

$ 0


$ 0

Each non-banker assisted paper based deposit and withdrawal

  • For businesses that make a high number of online and banker assisted transactions
  • Unlimited electronic and NAB over the counter transactions View disclaimer *
  • Link your transaction data feeds with accounting packages like Xero
  • Link to a NAB Business Visa Debit card at no cost


How long is the offer available for?

The Xero offer is available until 28 October 2020.

Can I redeem this offer in branch or over the phone?

The offer is only available to business customers applying online. It is not available in branch or over the phone.

What if I use another accounting package?

That’s not a problem. Xero provides a free 30-day trial for all new customers. During this trial, you can use the accounting software and its features. To continue using Xero after your free trial expires, you will need to purchase a subscription and enter your payment details.

Who do I contact for help?

If you’re having trouble applying for the NAB Business Everyday Account, you can contact 13 10 12. Alternatively, if you'd prefer to talk in person, you can locate a branch and speak with one of our business bankers.

For all Xero general enquiries, please visit the Xero website.

Important information

* NAB Business Everyday Accounts

Excludes all non-NAB ATMs within Australia and overseas ATMs. Additional service fees and charges will apply to other services such as international money transfers, multiple funds transfer made via NAB Internet Banking as detailed in Section 5 – Other service fees of NAB's brochure 'Business Banking Fees – A Guide to Fees and Charges'. All business channel fees that relate to NAB Connect, NAB Direct Link, National Online Corporate and National Online Business are separate and additional.

Business Banking Fees – A guide to fees and charges

NAB Business Products – Terms and conditions

Rates, fees and charges

NAB recommends you consider the Terms and Conditions, available from NAB, before making any decisions regarding these products. These products are issued by National Australia Bank Ltd ABN 12 004 044 937.

Xero Offer for new NAB Business Everyday Account customers

Terms and Conditions

1. This is the Xero Australia Pty Limited offer for new NAB Business Everyday Account customers (the Offer), which is open from 29 July 2020 until 5pm AEST on 28 October 2020. The Offer has been created to encourage new NAB business customers in Australia (You) to sign up to Xero. By registering for the Offer, You agree to be bound by these Terms & Conditions (Terms) in addition to Xero’s Terms of Use and Privacy Policy.

2. From the date You register for the Offer and are approved by Xero to receive the Offer, subject to Your continued compliance with the Offer Criteria set out in clause 6 below, You will receive:

i. an Australian Xero Business Edition subscription for free for 30 days (Trial Period); and

ii. upon expiry of the Trial Period, 50% off your Xero Business Edition subscription fee for a period of 90 days thereafter (Discount Period).

3. For this Offer, a Xero Business Edition subscription means a Starter, Standard or Premium subscription. All other Xero subscriptions, including Xero’s Payroll Only subscription, are excluded from this Offer.

4. Should You wish to continue to use Your Xero Business Edition subscription beyond the expiration of the Discount Period, You will be required to pay to Xero the full subscription price.

5. The Offer described in these Terms is specific to Your Xero Business Edition subscription fee only. It does not apply to additional fees for add-on services, and is not available in conjunction with any other offer.

6. To be eligible for the Offer, you must be approved by Xero for the Offer and You must meet the following criteria:

i. You must not be a Xero Partner or Xero employee;

ii. You must not be an existing Xero subscriber (which includes subscribers who are on a trial with Xero);

iii. Your must be an Australian registered business; and

iv. You must be a new NAB Business Everyday Account Customer.

(together, the Offer Criteria).

7. Xero may vary or add to the Offer Criteria, or impose limitations and exclusions in relation to the Offer, or any benefits related to the Offer, at any time in its sole discretion. Xero reserves the right to vary or terminate the Offer generally, or its approval of Your participation in the Offer, at any time.

8. If You meet the Offer Criteria You may be approved for the Offer. For the avoidance of doubt, Xero may decline any application to register for the Offer, acting reasonably.

9. Xero reserves the right to cancel Your participation in the Offer should You no longer meet the Offer Criteria or if Your Xero Business Edition subscription becomes inactive or has been downgraded.

10. You acknowledge and agree that You will only use Your Xero Business Edition subscription for Your own lawful internal business purposes and You will not share or on-sell the subscription to any other party.

11. All content provided as part of the Offer is general in nature and should not be taken as professional taxation, financial, business or legal advice. Xero recommends that customers always obtain specific and detailed professional advice about any proposed business activity.

12. To the maximum extent permitted by law, Xero excludes all liability and responsibility to You (or any other person) in contract, tort (including negligence), or otherwise, for any loss (including loss of information, data, profits and savings) or damage resulting, directly or indirectly, from any use of, or reliance on, the Offer.

13. These Terms are governed by and will be construed in accordance with the laws of Australia and each party irrevocably submits to the exclusive jurisdiction of the courts in Australia.