Indicator rates - deposit products

Monday, 14 January 2019

Indicator rates - personal deposits

NAB Reward Saver *
Base interest	0.50% p.a.
Bonus interest	1.90% p.a.

NAB Cash Manager ^~~
Base interest	1.00% p.a.

NAB Investments Lending
Base interest	0.90% p.a.

NAB iSaver *
Standard variable rate	0.50% p.a.
Introductory rate (First NAB iSaver accounts from 09/08/18**)	2.55% p.a.

NAB Retirement Account */ NAB Retirement Passbook Account ^~ (not for sale)
$1 - $9,999	0.40% p.a. ^‡
$10,000 - $49,999	1.00% p.a. ^‡
$50,000 - $249,999	1.50% p.a. ^‡
$250,000 plus	1.70% p.a. ^‡

NAB Portfolio Facility / NAB Private Portfolio Facility ^¶/ NAB FlexiPlus Mortgage Facility *
$1 - $19,999	n/a ^{^^}
$20,000 - $49,999	0.01% p.a.
$50,000 - $99,999	0.01% p.a.
$100,000 plus	0.10% p.a.

NAB Classic Banking Account *	0.01% p.a.
NAB Gold Banking Account - Private * (not for sale)	0.01% p.a.

NAB Gold Banking Account *^# (not for sale)	0.01% p.a.
NAB Passbook Account^ǿ (not for sale)	0.01% p.a.


Personal accounts	15.41% p.a.

Indicator rates - business deposits

NAB Business Cash Maximiser Account ^{^}
$10,000 plus	0.40% p.a.

NAB Business Cash Maximiser (SMSF) Account ^{^ ##}
$10,000 plus	1.55% p.a.

NAB Farm Management Account ^{^} (including Farmer's Choice Package^{^})
$1 - $19,999	0.01% p.a.
$20,000 - $49,999	0.10% p.a.
$50,000 - $99,999	0.10% p.a.
$100,000 plus	0.25% p.a.

NAB Business Management Account (not for sale) ^{^}
$5,000 - $19,999	0.01% p.a.^†
$20,000 - $49,999	0.05% p.a.^†
$50,000 - $99,999	0.05% p.a.^†
$100,000 - $249,999	0.05% p.a.^†
$250,000 - $499,999	0.10% p.a.^†
$500,000 plus	0.10% p.a.^†

NAB Business Interest Account ^
$1 - $49,999	0.10% p.a.
$50,000 - $99,999	0.30% p.a.
$100,000 plus	0.40% p.a.

NAB Community Group Management Account (Accounts not for sale)
$1 plus	0.01% p.a.

$1 plus

1.00% p.a.

$1 plus

1.50% p.a.

Default rates ^§§
Business accounts	16.37% p.a.
Farm management accounts ^††	13.27% p.a.
Statutory trust accounts	16.37% p.a.
Victorian Retail Lease Account	16.37% p.a.

Important information

For simplicity cents have not been shown in the product interest tiers above. All tiers include 99 cents as their cut-off e.g. where we have listed $49,999 the cut-off is $49,999.99.

Unless otherwise specified, this document forms part of the product disclosure statement and/or terms and conditions for each of the accounts above along with Personal banking fees and charges (for products marked *, ~, ~~, ǿ or §) or Interest rates, fees and charges (for business banking products marked ^) and:
Personal transaction and savings products Terms and Conditions (for products marked *)
Personal transaction and savings products (off sale) Terms and Conditions (for products marked ~, ǿ)
NAB Cash Manager Terms and Conditions (for product marked ~~)
NAB Business Products Terms and Conditions (for products marked ^)

If you would like a copy of these documents, contact NAB as explained below.

** For accounts opened from 09/08/2018 - NAB iSaver introductory rate is comprised of the current standard variable interest rate and a fixed bonus margin. This fixed bonus margin is only available on the first NAB iSaver account opened by customers who have not held a NAB iSaver in the last 12 months. In the case of multiple account holders, the bonus margin will only be received if all customers are eligible. The fixed bonus margin of 2.05% p.a. applies to balances up to $20 million. After four months accounts will receive the standard variable NAB iSaver interest rate.

## By applying for a NAB SMSF Cash Maximiser account, you will receive a NAB Business Cash Maximiser account and the ordinary indicator rate for that product will be replaced by the NAB Business Cash Maximiser (SMSF) rate.

§§ Applicable to accounts overdrawn without an approved overdraft limit.
¶ A Product Disclosure Statement is not available for NAB Portfolio Facility/ NAB Private Portfolio Facility - please refer to the NAB Portfolio Package/ NAB Private Portfolio Package General Terms and Conditions.

# Including Gold Banking accounts that form part of NAB Choice Package.

ǂ 0.40% p.a. on the first $9,999, then 1.00% p.a. on that part of the balance between $10,000 and $49,999, then 1.50% p.a. on that part of the balance between $50,000 and $249,999 then 1.70% p.a. on that part of the balance $250,000 plus.

^^ 0.01% p.a. for NAB FlexiPlus Mortgage Facility credit balances below $20,000.

† Paid on balance over $5,000. The first $5,000 earns no interest.

†† For accounts opened from 10/9/07. For accounts opened earlier, please contact your banker or call NAB on 13 10 12.

+This rate is a base rate set by NAB applicable to Corporate and Institutional products.

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 11 January 2019.

All rates are effective, 14 January 2019, 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.