What is the second last banking day?
On your NAB Reward Saver account, you can earn bonus interest when you make at least one deposit on or before the second last banking day of the month and no withdrawals.
How to work out the second last banking day of the month
A banking day is a day other than a Saturday, Sunday or Australia-wide public holiday. The date for the second last banking day will vary each month.
In our example, 27 June is the second last banking day of the month. So bonus interest will be earned if that month’s deposit is made on or before 27 June (and no withdrawals are made).
The table below shows the second last banking day of the month for 2025. This is the date your NAB Reward Saver account will need to receive a deposit by to receive the bonus interest.
| Calendar month | Second last banking day of the month (2025) |
|---|---|
| January | Thursday 30th January |
| February | Thursday 27th February |
| March | Friday 28th March |
| April | Tuesday 29th April |
| May | Thursday 29th May |
| June | Friday 27th June |
| July | Wednesday 30th July |
| August | Thursday 28th August |
| September | Monday 29th September |
| October | Thursday 30th October |
| November | Thursday 27th November |
| December | Monday 30th December |
How Jess earned bonus interest on her NAB Reward Saver
In this example, Jess made a deposit into her NAB Reward Saver on 10 June and didn’t make any withdrawals that month, so she earned bonus interest.
For peace of mind, Jess decided to set up a recurring payment to automatically deposit money into her NAB Reward Saver, so that she’d never forget to make a monthly deposit.
If Jess ever has an unexpected expense and needs to withdraw from her NAB Reward Saver, she can – it just means that she won’t receive bonus interest for that month, but she can earn the base interest.
Other account options to consider
If you would also like to open a transaction account, you can apply for one within your NAB Reward Saver application.
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