Indicator rates - personal deposits
| Variable base rate | Variable bonus rate | Total interest rate | |
|---|---|---|---|
| $1 - $49,999 |
Variable base rate
0.10% p.a.
|
Variable bonus rate
4.25% p.a.
|
Total interest rate
4.35% p.a.
|
| $50,000 - $249,999 |
Variable base rate
0.10% p.a.
|
Variable bonus rate
4.25% p.a.
|
Total interest rate
4.35% p.a.
|
| $250,000 - $999,999 |
Variable base rate
0.10% p.a.
|
Variable bonus rate
4.25% p.a.
|
Total interest rate
4.35% p.a.
|
| $1,000,000 plus |
Variable base rate
0.10% p.a.
|
Variable bonus rate
4.25% p.a.
|
Total interest rate
4.35% p.a.
|
| Base interest | 0.30% p.a. |
|---|
| Base interest | 2.30% p.a |
|---|
The total introductory rate is made up of the standard variable rate plus the fixed bonus margin. This is what you will earn on your NAB iSaver account for the first 4 months if you have not held a NAB iSaver in the last 12 months (on balances up to $20 million). After the first 4 months, you will earn interest at the standard variable rate. If there are multiple account holders, the fixed bonus margin will only be earned if all customers are eligible.
| Standard variable rate | 1.50% p.a |
|---|---|
| Fixed bonus margin | 3.15% p.a |
| Total introductory rate | 4.65% p.a |
NAB Retirement Account or NAB Retirement Passbook Account (not for sale)
| $1 - $9,999 | 0.15% p.a. |
|---|---|
| $10,000 - $49,999 | 1.15% p.a. |
| $50,000 - $249,999 | 1.65% p.a. |
| $250,000 plus | 1.80% p.a. |
NAB Private Portfolio Facility
NAB Private Portfolio Facility, NAB Portfolio Facility (no longer for sale to personal banking customers), or NAB FlexiPlus Mortgage Facility (new lending restricted to bridging purposes only)
| $1 - $19,999 | n/a |
|---|---|
| $20,000 - $49,999 | 0.01% p.a. |
| $50,000 - $99,999 | 0.01% p.a. |
| $100,000 plus | 0.05% p.a. |
Transaction accounts
| NAB Classic Banking Account | 0.00% p.a. |
|---|---|
| NAB Gold Banking Account - Private (not for sale) | 0.00% p.a. |
| NAB Gold Banking Account (not for sale) | 0.01% p.a. |
| NAB Passbook Account (not for sale) | 0.01% p.a. |
Debit interest rate
Applicable to accounts overdrawn without an approved overdraft limit.
| Personal accounts | 15.41% p.a. |
|---|
Indicator rates - business deposits
| NAB Business Cash Maximiser Account | |
|---|---|
| $10,000 plus | 0.70% p.a. |
NAB Business Cash Maximiser (SMSF) Account (not for sale) (Only applicable for accounts opened prior to 20 July 2020) |
|
|---|---|
| $10,000 plus | 0.05% p.a. |
NAB Farm Management Account (no longer for sale)
(including Farmer's Choice Package – no longer for sale)
| $1 - $19,999 | 0.05% p.a. |
|---|---|
| $20,000 - $49,999 | 0.05% p.a. |
| $50,000 - $99,999 | 0.05% p.a. |
| $100,000 plus | 0.05% p.a. |
| $1 - $49,999 | 0.05% p.a. |
|---|---|
| $50,000 - $99,999 | 0.40% p.a. |
| $100,000 plus | 0.55% p.a. |
Victorian Retail Lease Account
| $1 plus | 0.05% p.a. |
|---|
NAB Deposit Reference Rate
| $1 plus | 3.35% p.a. |
|---|
Overdrawn Debit Interest Rates
| Business accounts | 14.91% p.a. |
|---|---|
| Farm management accounts (no longer for sale) | 14.91% p.a. |
| Statutory trust accounts | 14.91% p.a. |
| Victorian Retail Lease Account | 14.91% p.a. |
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Terms and Conditions
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Any advice in this document has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice on this document, National Australia Bank Limited recommends that you consider whether it is appropriate for your circumstances. Before making any decisions regarding any of the products covered by this document, NAB recommends you consider the applicable Product Disclosure Statement or other disclosure document, available from NAB. The products covered by this document are issued by National Australia Bank Limited ABN 12 004 044 937 AFSL 230686.
This information was prepared on 4 July 2025.
All rates are effective, 7 July 2025, and are subject to change at any time. Fees and Charges apply. To find out more, visit nab.com.au, call into a NAB branch, or call 13 13 12 for information on personal rates or 13 10 12 for information on business rates.
Target Market Determinations for these products are available at nab.com.au/TMD.