Everyday transaction 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 4,000 ATMs across Australia

  • A NAB Visa Debit card for all your everyday spending

Fees and charges

Our low fees help you save money.

Monthly account fees

$ 0

Keep extra cash up your sleeve for something else.

Withdrawal fees

$ 0

No fee at over 4,000 ATMs across Australia.

Transaction fees

$ 0

Within Australia.

Overdrawn fees

$ 0

If you happen to overdraw your account.

Choose between two Visa Debit cards

Choose between two feature-packed NAB Visa Debit cards to access your money. Plus, add your NAB Visa Debit card to your digital wallet and start spending with Apple Pay or Google Pay before your card even arrives.

Easy and secure access to your own money, wherever Visa is accepted. 

Monthly card fee

$ 0

ATM withdrawal fee

$ 0

at over 4,000 ATMs


  • Shopping protection with NAB Defence and Visa Zero Liability

  • Access to Visa Entertainment

Your premium everyday card both at home and overseas.

Monthly card fee

$ 10

International transaction fee on purchases

0 %

Cashback on contactless purchases

1 %


  • All the benefits of a NAB Visa Debit card

  • Full 24/7 access to NAB Concierge Service

  • Complimentary insurances, including purchase protection, extended warranty and travel insurances

Apply for a NAB Classic Banking account

Check if you’re eligible and apply online to open an account in less than five minutes. 

One application, multiple accounts

If you're looking for a savings account too, save time by opening an optional NAB iSaver or NAB Reward Saver when you apply for a NAB Classic Banking account.

Ready to apply?

Check your eligibility and apply online in less than five minutes.

Document checklist for individuals (PDF, 115KB), opens in new window

  1. You must be at least 14 years old and an Australian resident for tax purposes to apply online.

  2. If you're new to NAB, have your passport, driver's licence or Medicare card handy.

  3. If you’re a NAB customer, 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, above the magnetic strip. 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.

  4. Visit a branch if you're unable to apply online.

Help and support

We're here to help with your new Classic Banking account.

Other ways we can help

Use our help guides, FAQs and other support services to help you manage your banking more easily.

Get in touch

Visit a NAB branch

Visit your nearest NAB branch to speak to us in person.

Important Information

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 Products Terms and Conditions (PDF, 627KB), opens in new window. Target Market Determinations for these 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.

Closing your account

The quickest and easiest way to close your account is through NAB Messaging in Internet Banking or the NAB app.

If you need further support, please find your closest branch or give us a call on 13 22 65 or +61 3 8641 9083 if you’re overseas.

NAB Internet Banking and NAB app

These products are issued by National Australia Bank Limited.

NAB recommends you consider the NAB Internet Banking terms and conditions document, before making any decisions regarding this product.

The NAB app is compatible with Android™ and iOS, minimum platform requirements apply. Apple, iPhone, iPad, Touch ID and the Apple logo are trademarks of Apple Inc., registered in the U.S and other countries. App Store is a service mark of Apple Inc. Google and the Google Logo are registered trademarks of Google Inc. © 2012 Google Inc.