Use the NAB app

Follow the step-by-step instructions to learn how to modify home loan direct debits and periodic payments in the NAB app.

Read our help and support to check if you’re eligible to change your repayments. If you have a periodic transfer set up for your home loan repayments, you can modify it by following our guide to editing your regular payments.

  • 1

    Step 1

    Log into the NAB app.

  • 2

    Step 2

    Select your home loan account.

  • 3

    Step 3

    Tap the Manage button.

  • 4

    Step 4

    Scroll down and tap View scheduled payments.

  • 5

    Step 5

    Select your scheduled payment.

  • 6

    Step 6

    Tap Modify payment.

  • 7

    Step 7

    Tap Frequency to modify the frequency.

  • 8

    Step 8

    To modify the amount, tap Other amount and enter the new amount. Tap Next.

  • 9

    Step 9

    Review all payment details. Tap Confirm.

  • Complete

    Your home loan repayment is successfully modified. Tap Share receipt to share.

Other recommended guides

Use our simple online banking guides to help you do your day-to-day banking anytime, anywhere.

Help and support

You can reduce your direct debit payment if you’re ahead of your loan. You won’t be able to change the frequency of your repayment unless you’re at least one payment ahead. The date of your repayments will stay the same.

The Modify Payment option isn’t enabled on your NAB app if:

  • the home loan account has multiple direct debit payments setup
  • no direct debit payment has been set up
  • the direct debit payment frequency is a non-standard frequency (i.e. yearly, half yearly)
  • the transaction account is not a NAB account
  • the loan account holder doesn’t own the transaction account
  • the transaction account requires more than one customer to authorise the changes
  • If there are any account restrictions on the debit account or home loan account (credit account).

If this occurs, tap the Call us to modify button

More help and support

Use our helpful guides, FAQs and support services to help manage all of your banking more easily.

Important Information

Minimum redraw amount of $500 per transaction. To access redraw, you must be at least one full payment ahead of schedule.

This product is issued by National Australia Bank Limited. NAB recommends you consider the internet banking terms and conditions document before making any decisions regarding this product.

The NAB Mobile Banking app is compatible with Android and iOS, minimum platform requirements apply. Android is a trademark of Google LLC. The Google Logo is a registered trademark of Google Inc. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license.