What are Card Controls?
NAB cardholders can set Card Controls for eligible cards in the NAB app. Card Controls give you options to switch transaction controls on and off.
You can block or enable the following payments:
- online transactions
- contactless payments
- overseas card use
- ATM cash advances
- gambling transactions.
NAB Visa cards eligible for Card Control
You can apply Card Controls on any personal or commercial NAB Visa Debit or Credit card.
Card Controls are card specific to individual cards and settings options vary.
How to block and enable payments using Card Controls
Simply, log into the NAB app, go to Cards and select Usage Controls on your compatible Android™ or Apple™ mobile device.
You can also set up Card Controls on your desktop.
Note: We make all reasonable efforts to decline a transaction that you have authorised as a Card Control on your account.
Types of transactions you can enable and block
Block and enable online transactions
You can use Card Controls to block card transactions where your card is not present. This includes shopping online and over the phone and includes international and foreign currency transactions.
Once you’ve activated these controls they may also block your regular payments to businesses you subscribe to if the business hasn't set up a recurring payment.
If this happens, your regular payments may not be processed while the block is activated, and you will need to pay another way.
Block and enable contactless purchases
Use this control to block contactless purchases including domestic and overseas contactless purchases. This includes contactless purchases using digital wallets including NAB Pay or Apple Pay.
This block does not stop you using a contactless enabled ATM with 'Tap and PIN' as they are not purchases or payments and always require a PIN.
What you need to know about contactless payments
Some contactless payments for purchases may not be blocked.
Contactless payment control may interfere with the use of public transport where travellers can use their credit or debit card to directly ‘tap on’ or ‘tap off’ public transport such as trains, trams, buses, and ferries.
If you experience issues after turning the control off, speak to public transport staff for assistance as there may be unpaid fares associated with your card.
Block overseas card use
Block foreign currency transactions on your card when you are outside Australia.
You can block:
- A purchase transaction where a card is required to be present at a merchant terminal. This includes contactless purchases with or without a PIN.
- ATM withdrawals (ATM cash advances).
Block ATM cash advances
Use this control to block domestic or international cash advances from a NAB Visa credit card.
This ATM block applies to contactless ‘Tap and PIN’ and ‘Enter and PIN’ transactions.
You cannot set a Card Control for cash advances on NAB Visa Debit card, NAB Business Payments Card or NAB Business Card.
Transactions that can't be blocked using Card Controls
Card Controls excluding the card feature may not block:
- transactions that are made when a merchant's systems is offline
- money transfers and online gambling transactions unless you have enabled restricted gambling
- any transactions we get that don’t match the exact criteria used to define your controls
- transactions made using linked cheque or savings accounts.
Notifications for changes to Card Controls
Changes and declined transaction notifications
If a Card Control setting to block and enable payment options is changed or a transaction is declined due to Card Control you will not be notified.
Lost or stolen cards
If you report your card as lost or stolen and you had previously set Card Controls to block or enable payment options, these settings will not automatically carry over to your replacement card.
You'll need to reset the Card Controls by selecting your replacement card from the Cards menu in the NAB app.
If you have used Card Controls to set gambling restrictions, these will remain in place.
If your card expires and you had previously set Card Controls to block or enable payment options, these settings will automatically carry over to your new card.
Multiple NAB Visa cards
Card Control settings are specific to your card, so you can have different settings applied to different cards.
When you change a Card Control setting for one card, the change doesn't apply to any other cards.
Who can block or enable card payments?
For Personal NAB Visa Credit cards, only the primary cardholder can block and enable payment options for primary and additional cards.
An additional cardholder can view but not block or enable payment options for their card.
For commercial NAB Visa Credit cards, any cardholder can block and enable payment options.
Primary NAB Visa credit cardholders
As a primary cardholder, the control you set to block or enable payment options, only applies to the NAB Visa credit card you have selected.
Additional NAB Visa credit cardholders
If you share a card number with an additional cardholder, the control you set to block or enable payment options for your card will automatically apply to the additional cardholder's NAB Visa Credit card.
If your card number is different to the additional cardholder's card number, the control you set to block or enable payment options for your card will not apply to the additional cardholder's NAB Visa Credit card.
You can block or enable payment options for the additional cardholder's NAB Visa credit card by selecting it from the Cards menu.
If you’re a NAB Visa debit cardholder or commercial NAB Visa credit cardholder, the control you set to block or enable payment options will only apply to the NAB Visa card you select.
Notifications for additional cardholders
It's your responsibility as the primary cardholder to notify the additional cardholder of any controls set on their card.
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