• To assess your application for a credit card we’re going to need to verify details of your income.
  • What we need to check varies depending on the type of income you’ve told us you have.
  • You only need to provide proof of income when it is not directly deposited into a NAB account.

How to verify your income

  • E-mail the required documents to Credit.Card.Applications@nab.com.au
  • Add your Credit Card application reference number in the subject line
  • Send your documents as a PDF or by taking a photo

Note: All documents need to be either in English or translated by an NAATI accredited professional translation service.

Documents to verify your income

Select the income category applicable to you for a list of acceptable proof of income documents:

Permanent Full-time, Part-time, Casual and Contract PAYG employees

To verify your income we require one of the following:

  • A current payslip(s) (no more than 60 days old), showing year-to-date income of at least two (2) pay cycles and both your employer and your name; or
  • Your most recent bank statement(s) (no more than 60 days old), showing your full name and your last two (2) salary deposits from your employer

If you’ve just started a new job and don’t have enough payslips yet, you can provide either:

  • A letter from your employer detailing your employment arrangement; or
  • Your employment contract, signed and dated by both you and your employer

Note: You only need to provide proof of income when it is not directly deposited into a NAB account.

Self-employed

To verify your income we require the following document:

  • An ATO Notice of Assessment (NOA) for the last financial year

If you’ve been self-employed for less than 18 months, you can provide:

  • A letter from your accountant confirming your gross income

Australian Government Allowances

To verify your income we require one of the following:

  • Your most recent bank statement(s) within 60 days of application, showing your Australian Government Allowances deposited into your account over the past three (3) months; or
  • A letter or statement within 60 days of application, from the Government Authority/ Agency making the payment, with your full name and the payments you’ve received over the past three (3) months

Note: You only need to provide proof of income when it is not directly deposited into a NAB account.

Superannuation

To verify your income we require one of the following:

  • Your most recent bank statement(s) (no more than 60 days old), showing frequent Superannuation payments deposited from your Superannuation investment over the past three (3) months; or
  • Your most recent Superannuation fund statement(s) (no more than 60 days old), showing frequent payments from the Superannuation investment over the past three (3) months.
  • Financial Statements or equivalent (ie: SMSF)
  • A letter from a financial planner or advisor.

Note: You only need to provide proof of income when it is not directly deposited into a NAB account.

Other Income types

Rental Income

To verify your rental properties income we require one of the following:

  • A current executed Lease Agreement; or
  • Your most recent Rental Statement(s) (no older than 60 days), showing at least four (4) weeks rental payments, issued on a letter from the real estate agent.
  • Your most recent Bank Statement(s) (no older than 60 days), showing at least two (2) direct credits as rental income; or
  • A rental property schedule contained in a current tax, no more than two years old

Note: You only need to provide proof of income when it is not directly deposited into a NAB account.

Income Producing Assets (inc. Share Dividends and Managed Funds)

To verify income from your income producing assets we require one of the following:

  • A Shareholding certificate, current dividend statement or notice
  • A Managed Fund current statement or notice
  • Your most recent Bank statement(s), showing at least two (2) direct credits as investment income
  • A Share Registry advice
  • A Term Deposit certificate
  • A letter from a financial planer with the NAB Group
  • Your most recent tax return

Note: You only need to provide proof of income when it is not directly deposited into a NAB account.

Foreign (Overseas) Currency – PAYG Permanent Full Time and Part Time Only (Base income only)

To verify your income we require:

  • A letter from your employer detailing your employment status, employment start date and year-to-date income; and
  • A minimum of 2 consecutive individual payslips for a 60 day period, with your most recent payslip being no older than 60 days; and
  • A Bank statement(s) no older than 60 days, showing salary credits for the 60 day payslip period

Need help?

If you cannot find a specified document or need more information, please call us on 1300 361 138 to speak to us. We’re available between the hours of 8am to 8pm AEST, Monday to Friday.