Manage your transaction or savings account

Setting up regular payments

You can set up periodic payments from your account to go out daily, weekly, fortnightly or monthly. This is usually easiest in NAB Internet Banking.

Overdrawing your account

Add a personal overdraft to your account

You might want to add a personal overdraft facility to your account. This is a credit facility that lets you withdraw extra funds, up to an agreed limit, when you need to (note: we charge an overdraft line fee every six months, based on your overdraft limit, and charge interest on overdraft funds that you use.)

You can apply for a personal overdraft on most of our transaction accounts. Find out more.

Withdrawing funds beyond your limit

If you try to make a transaction that'll overdraw your account (or exceed your agreed overdraft limit), we may honour or decline the transaction.

We've abolished fees for overdrawn accounts, but if we let the transaction go through you might be charged interest (at our default rate) for the overdrawn amount. You have seven days to return the overdrawn amount to your account.

Any sort of debit can overdraw your account, including any fees that we charge you.

Tips for avoiding overdrawing:

  • Check your account balance regularly. Remember that your balance can take a while to update after some transactions, like withdrawals on non-NAB ATMs.
  • Know when direct debits or periodic payments are due from your account. It can help to time them to go out just after your pay comes in.
  • If you write cheques, make sure you have the funds to cover every cheque you write, and watch your balance to see when it's presented.
  • If you receive cheques, wait for them to clear before you spend the funds. This can take a few days after you bank the cheque.

Changing or cancelling direct debits

To change a direct debit from another financial institution to NAB please refer to our Switching made easy (PDF, 264KB) guide.

To cancel a direct debit from your NAB account, call NAB on 13 22 65 or visit your nearest NAB branch and submit a cancellation request (PDF, 231KB). It's also a good idea you contact the company you have the direct debit arrangement with (sometimes referred to as the 'Debit User').

Account statements

If you want to see your latest transactions you can always check an up-to-date transaction history in NAB Internet Banking or NAB Telephone Banking.

Get NAB Smart Statements online

If you use NAB Internet Banking you're already receiving NAB Smart Statements online. These are exact copies of your paper statements. You can choose to stop receiving paper statements.

Change your statement cycle

If you want to receive statements more or less often, talk to us about changing your statement cycle. See us in any branch or call us on 13 22 65 from 8am - 7pm Mon-Fri, or 9am - 6pm on weekends (AEST/AEDT).

How often will I receive statements?

For most accounts with NAB Visa Debit cards, we'll send you a statement every two months (some older accounts receive statements every six months).

We send statements for NAB Smart Reward Saver and NAB Smart Junior Saver accounts every four months.

Otherwise, you'll receive a statement every six months.

Accessing your money overseas

Our Travel centre covers all your options for taking money with you when you go overseas (as well as accessing and managing your accounts while you're away).

NAB Visa Debit cards work at most overseas ATM on the PLUS network – just look for the PLUS sign.


If you use your NAB Visa Debit card overseas our fees are:

  • $5 per withdrawal at an overseas ATM
  • $1 per balance enquiry at an overseas ATM
  • 3% transaction fee for all foreign currency transactions (calculated in Australian dollars using Visa's exchange rate at the time).

The ATM fees don't apply if you have a NAB Flexiplus Mortgage or NAB Private Tailored Package.

Regardless of your account type, individual ATM providers may also impose their own additional charges.

NAB Gold Visa Debit comes with overseas travel insurance

Like our other gold cards, the complimentary insurance you receive with a NAB Gold Visa Debit card includes NAB Gold Overseas Travel Insurance. Please note that an annual NAB Gold Visa Debit card fee of $20 applies per card for all NAB Gold Visa Debit cards linked to a NAB Classic Banking account or NAB Retirement Account.

Switching your old account to a NAB Classic Banking account

If you have an older NAB everyday account like a Passbook Account or NAB Clear Banking, it's a good idea to switch it to an up-to-date account.

By swapping your account rather than opening a new one, you get all the benefits of the new account – like a NAB Visa Debit card for example – and you keep your BSB and account number. That means you won't have to update any direct credits or other payment information.

Swapping accounts is faster than applying for a new account, too.

Swap to NAB Classic Banking now.

You can also swap account by calling 13 22 65 from 8am - 7pm Mon-Fri, or 9am-6pm on weekends (AEST/AEDT).

Getting a cheque book for your account

If you need a cheque book and you haven't had one for your account before, call us on 13 22 65 from 8am - 7pm Mon-Fri, or 9am - 6pm on weekends (AEST/AEDT) .

You can write an unlimited number of cheques at no extra cost with NAB Classic Banking, NAB Cash Manager or a NAB Retirement Account.

Remember to budget for every cheque that you write. It can take a while for people to bank cheques, so leave enough available funds.

Replacement cheque books

If you've finished your cheque book and you need another one, you can order replacements in NAB Internet Banking. Look in the Account info menu.

Or you can call us on 13 22 65 from 8am - 7pm Mon-Fri, or 9am - 6pm on weekends (AEST/AEDT).

Closing your account

You need to visit a NAB branch to close an account.

You can always talk with us about your account by calling 13 22 65 from 8am - 7pm Mon-Fri, or 9am - 6pm on weekends (AEST/AEDT). If you're overseas the number to call is +61 3 8641 9083.

We're ready to help you

Talk to an expert
Call 13 22 65

Mon-Fri 8am - 7pm (AEST/ADST)
Sat-Sun 9am - 6pm (AEST/ADST)