Here’s what you get…

  • 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 10,000 ATMs across Australia

  • A NAB Visa Debit card for all your everyday spending

Ready to roll? Open within 7 minutes…

  • Have your passport, driver’s licence or Medicare card handy

  • You’ll also need to be at least 18 and a permanent Australian resident

Okay, let's break it down...

$0

Monthly account fees

It’s your money – keep the extra cash up your sleeve for something else.

$0

Overdrawn fees

If you happen to overdraw your NAB transaction account.

$0

Withdrawal fee at over 10,000 ATMs

Access over 10,000 ATMs across Australia, and say goodbye to ATM fees.

  • Transaction fees (within Australia)

    $0

Get rolling within 24 hours

  • Step 1

    Apply online now – it takes less than seven minutes.

  • Step 2

    You’ll then get an SMS with your NAB Identification Number (NIN) within 60 seconds.

  • Step 3

    Register for Internet Banking (using your NIN), and you’re ready to start moving money around.

  • Step 4

    Lastly, you’ll receive another SMS to let you know when your NAB Visa Debit card will arrive. 

Goodbye, hassle

Hello, NAB app


Block and unblock your card

Say you’ve lost your card. Well, you can temporarily block it at the touch of a button – same goes with unblocking it if it turns out to be a false alarm or, worse case, reordering another card.

Have any questions?

Let's get you sorted

Are there really zero fees? Or are there other hidden ones I need to know about?

You may incur other types of fees for things like overseas access (ATM cash withdrawal, foreign currency transaction fee), additional statements, some forms of periodic payments and cheque services. For further details please check out our product fees and charges here.

How easy is it to open up a NAB savings account to link with my NAB Classic Banking account?

It’s really simple – you’ll be able to open a NAB iSaver and/or NAB Reward Saver when you apply online.

Will the interest rate for NAB Classic Banking ever go up?

As with most banks, the interest rates for everyday banking accounts are always typically low, given you’ll likely be moving money in and out of it day in, day out. If you’re looking to start saving for something and want to earn more interest, maybe consider opening a NAB iSaver and/or NAB Reward Saver when you apply online.

Are there any other forms of ID that I need to provide?

If you have your passport, driver’s licence or Medicare card, then, no. When you apply online, you’ll be prompted to verify your ID electronically. If you don’t have either of these, you’ll need to pop into a NAB branch and complete the standard 100-point ID check.

Once I apply, do I need to go into a branch at all?

If you are a new to NAB, you will need to head into a NAB branch if you, 1) failed electronic verification or 2) Did not consent to electronic verification

If you're an existing NAB customer, you will need to head into a NAB branch if our records show you did not complete electronic verification or 100 points ID in a previous application

Do I have to make a minimum deposit when I open it?

No, not at all. Whenever you’re ready to deposit some money or transfer your salary payments to your NAB Classic Banking account – it’s up to you.

Still have questions?

Okay, no worries. Give us a call on 13 22 65

Other options to consider

NAB iSaver

Enjoy flexibility with your savings while still earning interest. Receive the fixed bonus margin for the first four months on your first new account for balances up to $20m.

NAB Reward Saver

Grow your savings faster with bonus interest for regular deposits and no withdrawals.

NAB Term Deposit

Earn competitive interest on your savings over a fixed term that suits you.

Important information

Personal Transaction and Savings Products Terms and Conditions

Personal Banking Fees – A guide to fees and charges (PDF, 355KB)

Indicator rates - deposit products

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