Our everyday bank account features

  • No monthly account fees and no minimum monthly deposits

  • No overdrawn fees if you happen to go over your account balance

  • No ATM withdrawal fees at over 7,000 ATMs across Australia

  • A NAB Visa Debit card for all your everyday spending

Open a bank account quickly and easily

  • 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

Benefits of a NAB Classic Banking Account


Monthly account fees

It’s your money – keep the extra cash up your sleeve for something else.


Overdrawn fees

If you happen to overdraw your NAB transaction account.


Withdrawal fee at over 7,000 ATMs

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

  • Transaction fees (within Australia)


Debit interest may apply to any overdrawn amounts - Personal account default rate

Debit cards

You'll get a choice between two feature-packed cards when you apply.

Start using your account within 24 hours

  • Step 1 Apply online now for NAB Classic Banking account– it takes less than five 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. 

If you have a Commonwealth Seniors Health Card, a Health Care Card, or a Pensioner Concession, to open a new NAB Classic Banking account or NAB Retirement Account, please visit us in branch or call 13 13 12.

Manage your account with the NAB App

Block and unblock your card

Say you’ve lost your card. Well, you can temporarily block it at the touch of a button – same goes with unblocking it if it turns out to be a false alarm or, worse case, reordering another card.

Frequently asked questions

Once I apply, do I need to go into a NAB branch at all?

If you’re a new customer, you’ll only need to head into a NAB branch if we can’t match your details through electronic verification or you don’t consent to electronic verification when you apply online. If this is the case, you’ll need to complete an identity check when you’re at the branch.

If you’re already a NAB customer, you’ll only need to visit a branch to complete an identity check if you didn’t complete electronic verification or an identity check when you previously opened a NAB account.

Can I open a joint account online?

If you’re a new customer applying online, the joint applicant will also need be a new customer to NAB.

If you’re an existing NAB customer applying online, there are two important considerations: the joint applicant will need to be an existing customer and you’ll both need to hold an existing joint account with NAB – a NAB home loan, personal loan or credit card, for example.

If you don’t meet either of these requirements, you’ll need to apply together at your nearest NAB branch.

How long will it take for my account to be opened and before I can transfer money into it?

If you successfully complete electronic verification when you apply for your NAB Classic Banking account online, your account will be opened immediately and you can transfer money into it whenever you’re ready.

If we can’t match your details through electronic verification when you apply online, your account will still be opened immediately and you can transfer money into it. However, you won’t be able to withdraw or transfer funds from your account until you visit your nearest NAB branch to complete an identity check.

How long will it take for my card to arrive?

Once your account’s been opened, you should receive your NAB Visa Debit card or NAB Platinum Visa Debit card in the mail within seven to 10 days.

Prior to your card arriving in the mail, if you have an Android phone, you can get everyday access to your money using NAB Pay.

What’s the maximum amount of money that I can withdraw from an ATM or branch?

For ATMs, the maximum limit you can withdraw is $2,000 per card per business day. Meaning, if you have a NAB Visa Debit card and a NAB credit card linked to your NAB Classic Banking account, you could withdraw up to $4,000 from your NAB Classic Banking account, for example.

If you’re withdrawing cash from your account in a NAB branch, there is no maximum withdrawal limit. However, if you’re withdrawing a particularly large sum of money, you should visit the NAB branch you intend to withdraw the money from in advance and notify them of them amount you’d like to withdraw – this will ensure the branch has adequate funds available when you want to make the withdrawal.

Which ATMs can I use to avoid paying withdrawal fees?

You won’t be charged a withdrawal fee when you use any NAB ATM. Many other banks have also made ATM withdrawals from other banks free, but we suggest double checking their respective websites first, just to be sure. Also, please note that international fees still apply when using an ATM outside of Australia.

How do I open a bank account from overseas?

You can open a NAB everyday bank account online before you arrive. To open your NAB account online, you’ll need:

  • your passport number and email address
  • your arrival date and the name of the Australian city you’re arriving into
  • to arrive in Australia within 12 months of opening the account
  • to be at least 16 years of age
  • you’ll also be able to add a savings account when you apply.

Visit our migrant banking page for more information.

What happens if my account goes overdrawn?

If NAB allows your account to go overdrawn without an approved overdraft limit (or beyond the amount of any approved overdraft limit) you may be charged debit interest at the default rate applicable to personal accounts. You must put your account back into credit (or within the amount of the approved limit) within 7 days. Any applicable default interest will be calculated from the day your account becomes overdrawn and will be charged on the last banking day of each month.

What is purchase authorisation?

A purchase authorisation is a hold over funds on your card. A merchant such as a hotel or car hire company may estimate the cost of your bill and ask you to use a card as guarantee. The merchant will then put a hold on the pre-authorised amount which you’ll not be able to use to make transactions. Purchase authorisations can last for up to 30 days.

How do I close my transaction account?

To close a transaction account, you can:

If you have a joint account, you may need to visit a branch together, depending on the way the account was set up. You can check the account authority through one of the above options before going into the branch.

Still have questions?

Call us on 13 22 65

Other options to consider

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NAB iSaver

Enjoy flexibility with your savings while still earning interest. Receive the fixed bonus margin for the first four months on your first new account for balances up to $20m.

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NAB Reward Saver

Grow your savings faster with bonus interest for regular deposits and no withdrawals.

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NAB Term Deposit

Earn competitive interest on your savings over a fixed term that suits you.

Important information

Personal Transaction and Savings Products Terms and Conditions

Personal Banking Fees – A guide to fees and charges (PDF, 357KB)

Indicator rates - deposit products

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Closing your account

If you’d like to close your account please visit a NAB branch, or call us on 13 22 65 from 9am - 7pm Mon-Fri, 7am - 6pm Sat or 9am - 6pm Sun (AEST/AEDT).

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