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Eligibility criteria
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You're 14 years or older. If you’re under the age of 14, you’ll need to visit a NAB branch with your parent or guardian to open your account. Learn how to open a bank account for children.
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You're an Australian resident for tax purposes .
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You have an Australian mobile number.
ID requirements
Verifying your ID
You’ll need a smartphone to scan your ID, and to take a selfie for verification.
If you’re not able to do this because you don’t have a smartphone or for any other reason, please call 13 22 65 or visit a branch.
If you’re applying for a joint account, the smartphone requirements don’t apply for you. You’ll be able to verify your ID on any device.
Acceptable forms of ID
To apply for this account, you’ll need at least one physical form of ID so we can verify your identity. However, if possible, please try and provide two forms of physical ID.
ID help for Aboriginal and Torres Strait Islander customers
If you're Aboriginal or Torres Strait Islander and you don't have any of the required forms of identification, please call our Indigenous Customer Service line on 1800 966 100 Monday to Friday, 8:00am to 7:00pm (AEST/AEDT) or visit your nearest NAB branch.
If you’re under the age of 18, you’ll need two forms of ID to apply online. One of these can be your birth certificate.
Information for joint applicants
By completing this online joint account application all account holders agree that each account holder may operate the account with direct access to the funds in the account.
When you apply for a joint account online, each account holder will have direct access to the funds in the account, through digital channels like NAB Internet Banking and the NAB app, with a debit card or in a branch. This means each account holder can access the account individually to withdraw or deposit money separately from the other account holder.
If you want both account holders to jointly operate the account – meaning that both need to give permission for deposits and withdrawals – you’ll need to come into a branch to arrange this. Don’t apply online.
If your situation changes and you want to change how both people access the money, please visit a branch. Refer to important information for operating a joint account to help you make the best choice for your circumstances.
Other products
You’ll have opportunity to apply for a NAB Classic Banking account during the application. To learn more, visit NAB Classic Banking before you start your application
Ready to apply?
If you've checked you're eligible to apply and have all your documents ready, let's get started. We’ll communicate electronically with you about the products you’ve selected in this application.
If you have an in-progress application for a NAB product, it will be automatically cancelled if you start a new application.
Existing
Applying online
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You're 14 years or older.
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You're an Australian resident for tax purposes .
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Have your NAB IDYour NAB ID is an 8 to 10 digit number given to you when you first become a NAB customer. There are three ways to find your NAB ID: 1. We send it to you via email and SMS when you first become a customer. 2. On the back of your credit card or debit card. Not all cards have this. 3. In the NAB app once you've registered for internet banking. Your NAB ID can be found under More and then My Details. This option is only available for personal profiles (not business ones). and password ready to use.
Information for joint applicants
By completing this online joint account application, all account holders agree that each account holder may operate the account with direct access to the funds in the account.
When you apply for a joint account online, each account holder will have direct access to the funds in the account, through digital channels like NAB Internet Banking and the NAB app, or in a branch. This means each account holder can access the account individually to withdraw or deposit money separately from the other account holder.
If you want both account holders to jointly operate the account – meaning that both need to give permission for deposits and withdrawals – you’ll need to come into a branch to arrange this. Don’t apply online.
If your situation changes and you want to change how both people access the money, please visit a branch. Refer to important information for operating a joint account to help you make the best choice for your circumstances.
Other products
Ready to apply?
If you've checked you're eligible to apply, let's get started. We’ll communicate electronically with you about the products you’ve selected in this application.
Terms and Conditions
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Product benefits, rates and key fees are shown during the application. Check these details to make sure these are what you are looking for before submitting your application.
Any advice has been prepared without considering your objectives, financial situation or needs. Before acting on any advice, you should consider whether it is appropriate for your circumstances and view the Personal Transaction and Savings Accounts Terms and Conditions. Target Market Determinations for NAB products are available at nab.com.au/TMD. NAB products issued by NAB.
See our personal banking fees and charges and indicator rates for deposit products.