Here's what you get...

  • No monthly account fees and no minimum monthly deposits

  • Earn a competitive interest rate daily on 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 apply? You’ll need…

  • To apply at your closest NAB branch or over the phone on 13 22 65

  • To be over 55 and retired, or receiving a Government pension or allowance

  • Your passport or driver’s licence and Medicare card or a utility bill with you

Okay, let's break it down...


Monthly account fees

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


Overdrawn fees

If you happen to overdraw your NAB transaction account.


Withdrawal fee at over 10,000 ATMs

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

  • Transaction fees (within Australia)



  • Step 1

    Apply over the phone or at your nearest NAB branch.

  • Step 2 A banker will give you a NAB Identification Number (NIN).
  • Step 3

    Register for Internet Banking (using your NIN) and download the Mobile Banking app

  • Step 4

    If you’ve opted for a NAB Visa Debit card, you’ll receive an SMS letting you know when it 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.

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

(1) To be eligible spend for cash back, contactless purchases must be made in AUD and processed and debitted to your account by the last banking day of the month. Eligible spend is capped at $1,000 per month.

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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We're ready to help you

Talk to an expert
Call 13 22 65

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