Up to $60 cashback with NAB Now Pay Later

  • Spend on any one transaction in the first 30 days of your account opening to get $10 cashback. 

  • Get an additional $50 cashback when you pay for two eligible household or personal bills on your NAB Now Pay Later in the first 30 days of your account opening. 

  • Your cashback will be credited to your linked account within 60 days of the end of the offer period.

Offer ends 25 July 2024. See Important information below.

What is NAB Now Pay Later?

NAB Now Pay Later is our new buy now pay later account. It's a simple way to split your everyday purchases into four instalments so you can stay in control of your cash flow. When you pay with your digital NAB Now Pay Later card, you get your purchase now and pay just the first repayment upfront. 

The following three instalments are due each fortnight and we’ll notify you as they approach. We’ll automatically process your repayments each fortnight, but you can still make manual repayments in the NAB app if you’d like to pay early.

Read our article to learn more.

What is Buy Now Pay Later?

Open the app to apply for NAB Now Pay Later now.

  • Make sure you have the NAB app downloaded on your device and it's up to date.

Having trouble with the app link? If your app is up to date, just search 'NAB Now' in the NAB app to get started.

Apply in the NAB app now

  • Make sure you have the NAB app downloaded on your device.

Use the QR code

Open the app via the QR code to apply for NAB Now Pay Later.

Having trouble with the QR code?

If your app is up to date, just search ‘NAB Now’ in the NAB app or follow these instructions to get started:

  1. Log into the NAB app.
  2. Tap More (or Menu if you’re using Android).
  3. Select Products.
  4. Tap on NAB Now Pay Later.
  5. Read the product details and select Apply now.

Why choose NAB Now Pay Later

Find out what you get when you buy now and pay in instalments later with NAB.

No interest or fees

NAB Now Pay Later has no interest, international transaction fees, late fees or account fees. There are no hidden fees to worry about with a NAB Now Pay Later account.

Shop anywhere

Make purchases online with the digital card or in store with a digital wallet of your choice anywhere VISA is accepted. No minimum purchase amount. Only gambling transactions and cash advances aren’t allowed.

Account limit of $2,000

Account limits of up to $2,000 are available subject to credit assessments for eligible customers.

Getting started How to get started with NAB Now Pay Later

Open a no-fee NAB transaction account

To pay your NAB Now Pay Later instalments you’ll need a NAB transaction account solely in your name. If you don’t have one, you can easily open a transaction account in the NAB app or online.

If you’ve got a current account, make sure it’s active

It’s important that you’re regularly using your existing account if you have one. This could be by depositing your salary or making transactions.

Confirm you’re over 18 years old

NAB Now Pay Later is only available for NAB customers who are 18 years or older.

Check your details

Ensure your contact details, such as address, phone number and email, are updated and accurate.

Consider potential issues on your profile

Think about anything that might stop you from being approved for NAB Now Pay Later, such as an alert on your credit file or defaulting on other products.

Download the latest version of the NAB app

NAB Now Pay Later is available in the latest version of the NAB app.

How NAB Now Pay Later works

Here's how to enjoy paying securely with NAB Now Pay Later.

1. Pay anywhere online or in-store with your digital card

To shop in-store, simply tap to pay with your digital wallet. To pay online or over the phone, securely access your digital card details in the NAB app. The CVV of your digital card, also known as a dynamic CVV, regularly updates to keep your card details extra safe and secure online. This helps lower the risk of fraud and protects against scamming.

2. Get notified when it's time to make a repayment

To keep you on track, we'll send you a notification the day before your instalment is due.

3. Manage your repayments in the NAB app

Simply open your NAB Now Pay Later account to view and pay your instalments. We make life easy by highlighting repayments as they approach.

Learn more about NAB Now Pay Later

Read our easy guide to using and managing NAB Now Pay Later.

Making the most of NAB Now Pay Later

Other accounts and offers to consider

Explore other options to help you with your everyday banking needs.

Contact us

Online support

Let us help you with your personal banking needs.

Chat online

Our virtual assistant can help with most enquiries, or point you in the right direction if you need to contact us.

Terms and Conditions

ACT Permit number TP22/00009

Full terms and conditions will be available in the NAB app when applying for NAB Now Pay Later.

Target Market Determinations for these products are available at