Changes to terms and conditions - Personal transaction and savings accounts

What you need to know

We’re making some changes to the Personal Transaction and Savings Accounts (including off-sale) terms effective 31 October 2025.

These updates are designed to provide a more transparent and comprehensive understanding of our practices. Please take the time to read through the change notice that is applicable to you below to understand the changes and how they may affect you.

Personal Transaction and Savings Accounts Terms and Conditions

Please view a summary of the changes to ‘Personal Transaction and Savings Accounts Terms and Conditions’ (PDF, 75KB)

Personal Transaction and Savings Accounts (Off-Sale) Terms and Conditions

Please view a summary of the changes to ‘Personal Transaction and Savings Accounts (Off-Sale) Terms and Conditions' (PDF, 91KB).

NAB Internet Banking and Telephone Banking Terms and Conditions

On 1 November 2024, the terms and conditions that relate to the following were moved to a separate document:

• Online and Telephone Banking
• BPAY®
• Fast Payments (PayID®, Osko and New Payments Platform)
• PayTo Agreements

These terms and conditions were previously included as part of the Personal Transaction and Savings Accounts Terms and Conditions.

View the NAB Internet Banking and Telephone Banking Terms and Conditions dated 1 November 2024.