About the PayTo service

PayTo is a fast, efficient, and secure way to digitally pre-authorise payments from your eligible bank account. PayTo functionality is currently only available on some account types. However, we’re working on rolling out PayTo functionality to other NAB accounts that are enabled for Fast Payments including certain business accounts.

As we continue to extend PayTo access to other accounts and services, you can check this page for updates.

The PayTo service for existing eligible NAB Connect customers is coming towards the end of 2025. We’ll let NAB Connect users know when this service is available in advance of those changes.

Account eligibility

Accounts currently eligible for PayTo

The following list is a guide only. You can continue to check this page for further updates on our PayTo functionality roll out.

  • NAB Classic Banking account
  • NAB Gold Banking – Private
  • NAB Retirement Account
  • NAB Reward Saver

Accounts eligible soon

  • NAB Business Everyday Account
  • NAB Business Interest Account
  • NAB Cash Manager Account
  • NAB Community Fee Saver Account
  • NAB Corporate Cheque Account
  • NAB Farm Management Account
  • NAB GST Business Offset Account (Farmer) (no longer for sale)
  • NAB Professional Funds Account

When PayTo isn’t available

PayTo is not currently available when:

  • Your account isn’t enabled for Fast Payments.
  • Your account is a NAB credit card.
  • Your account is a NAB Statutory Trust Account.
  • You’re set up as a third party on an eligible account.
  • Your account requires one or more account holders or signatories to authorise withdrawals.
  • Your NAB Connect profile has not yet been enabled with PayTo (coming soon).

Explore more about PayTo

Manage bills and payments with PayTo

Easily see how much you owe and when a bill is due, authorise new agreements and manage existing ones with PayTo.

Authorise, decline or cancel a PayTo agreement

Our simple instruction guide shows you how to easily manage a PayTo agreement using the NAB app or NAB Internet Banking.

Terms and Conditions

While NAB has taken reasonable care to prepare this webpage and keep it up to date, the information contained in it, in relation to the availability of PayTo on certain types of accounts and situations, may not be complete or up to date.  You may contact NAB if you would like to confirm PayTo availability on your accounts or require further information.

For more information and full terms and conditions about PayTo, Fast Payments, PayIDs and Osko Payments please refer to your eligible account and channel terms and conditions:

NAB Internet Banking and NAB app

These products are issued by National Australia Bank Limited.

NAB recommends you consider the  NAB Internet Banking terms and conditions document, before making any decisions regarding this product.

The NAB Mobile Banking app is compatible with Android and iOS, minimum platform requirements apply. Android is a trademark of Google LLC. The Google Logo is a registered trademark of Google Inc. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license.

NAB Connect

Please read the NAB Digital Channel Terms and Conditions and NAB Connect Fees and Charges (PDF, 90KB), opens in new window.

BPAY® and Osko® are registered trademarks of BPAY Pty Ltd ABN 69 079 137 518

PayID® and PayTo® are registered trademarks of NPP Australia Limited.