Offer
Earn $50 cashback with NAB Now Pay Later
Offer ends 12 January 2024. See important information.
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 equal repayments 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 repayments 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.
Apply in the NAB app now
Open the app via the QR code to apply for NAB Now Pay Later now.
Having trouble with the QR code? If your app is up to date, just search 'NAB Now' in the NAB app to get started.
Open the app to apply for NAB Now Pay Later now.
Having trouble with the app link? If your app is up to date, just search 'NAB Now' in the NAB app to get started.
The features of NAB Now Pay Later
Here’s what you get when you buy now and pay 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 make NAB Now Pay Later repayments 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 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 shop 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, 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 protect 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 repayment is due.
3. Manage your repayments in the NAB app
Simply open your NAB Now Pay Later account to see all your repayment plans and scheduled repayments. 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.
Explore buy now pay later
Find out more about NAB Now Pay Later, including how to use it for travel expenses.
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
Apologies but the Important Information section you are trying to view is not displaying properly at the moment. Please refresh the page or try again later.
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 nab.com.au/TMD.