Here's what you get

  • Make everyday purchases easy and secure with Visa payWave

  • Bank 24/7 with the NAB app, packed with features to help you stay in control of your money

  • Shop safe in the knowledge you’re always protected with NAB Defence and Visa Zero Liability

  • Linked to a new or existing NAB Classic Banking account

Open your account within five minutes

  • Have a passport, driver’s licence or Medicare card handy

  • Must be at least 16 and a permanent Australian resident to apply online

  • Call us on 13 22 65 or visit a branch if you’re under 16 or a non-permanent resident

Fees and charges


Monthly card fee

Love free stuff? Pay no monthly fee and keep the extra cash


Withdrawal fee at over 7,000 ATMs

Access over 7,000 ATMs across Australia, and say goodbye to ATM fees


Overdrawn fees

If you happen to overdraw your NAB transaction account.

  • Foreign Currency Fees (transactions not in AUD)


Get started within 24 hours

  • Step 1

    Apply online now – it takes less than seven minutes.

  • Step 2

    You’ll then get an SMS with your NAB Identification Number (NIN) within 60 seconds.

  • Step 3

    Register for Internet Banking (using your NIN), and you’re ready to start moving money around.

  • Step 4

    Lastly, you’ll receive another SMS to let you know when your NAB Visa Debit card will arrive. 

Manage your account with the NAB app

Tap and pay for purchases

NAB has a range of digital wallets that will let you tap and pay securely with your phone to make contactless purchases.

Frequently asked questions

How do I open an account?

If you’re 16 years old or over

You can apply for a NAB Classic Banking account online if you’re 16 years or older and a permanent Australian resident. If you’re not a permanent resident you can open an account over the phone at 13 13 12 or in a NAB branch.

If you’re under the age of 16

If you’re between the ages of 14 and 15, you can apply for an account over the phone at 13 13 12 or in a NAB branch.

If you’re under the age of 14, you will need to go into a branch with your parent or guardian to open an account.

What you’ll need to open the account

You’ll need to present identification documents when you open the account. This can include things like:

  • your birth certificate
  • Proof of Age card
  • a valid Australian driver’s licence.

If you’re looking to open a NAB Retirement account, give us a call at 13 13 12 or visit us in a NAB branch.

How do I open a card if I’m under 16 years old?

If you’re 14 or 15 you can apply for a card by visiting a NAB branch. You will need to bring your parent or guardian with you and they need to be an authorised party on your account for you to attach a card.

Can I get a NAB Visa Debit card if I’m visiting from overseas?

If you are visiting Australia from overseas, you will be able to get a NAB Visa Debit card unless you are here on a short stay visitor / tourist visa. If this is your case, speak to one of our bankers about other products that may suit your needs.

Can I use Visa payWave and NAB Pay on large purchases, or just smaller ones?

Visa payWave and NAB Pay are secure ways to make purchases of any size. If the purchase is under $100, you won’t need to use your PIN so you can just tap and go. For purchases over $100, the process is almost as quick. The only difference is you’ll need to enter your PIN.

How does NAB Pay work?

NAB Pay enables you to make contactless payments on your mobile. NAB Pay is part of the NAB app and links directly to your NAB Visa Debit card. All you need to do is set up NAB Pay on your Android phone and select your default card. To make a payment, simply place the back of your phone against the reader until it beeps. It's that easy. For payments $100 or over, you'll need to enter your card PIN.

What is NAB Defence?

Wherever you see the NAB Defence logo, you’ll be protected against fraud, whether you’re using your physical card, NAB Pay, or Apple Pay. We’re always working behind the scenes to monitor any high risk transactions and let you know about suspected fraud and investigate for you.

Still have questions?

Call us on 13 22 65

Other options to consider

Woman receiving package

NAB Platinum Visa Debit card

Your premium everyday card both at home and overseas.

Man watching TV

NAB Classic Banking account

Meet your account for everyday transactions. Easy access to your money with no monthly account fees.


Helping you balance your finances with your studies

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