Things to know about depositing cheques with your phone

  • Ensure you’ve downloaded the latest version of the NAB app.
  • Check that you’ve allowed camera permissions with the NAB app.
  • You can deposit up to $5,000 in cheques every seven days using your smartphone. If you need to deposit more than this, you’ll need to visit a branch.
  • Any of your transaction accounts are eligible for mobile cheque deposits.
  • If you deposit a cheque before 10pm (AEST/AEDT) on a business day, the cheque will usually clear within three business days from that time. Before the cheque has cleared however, you’ll be able to see a record of the transaction in your account history the next day.
  • Before the cheque has cleared, you’ll be able to see a record of the transaction in your account history the next business day (or the business day after that if you submit a cheque after 10pm, or on a day that is not a business day).
  • After depositing the cheque, you must keep the physical cheque for 10 business days. We may request the physical check during this time.

Steps to deposit a cheque with your smartphone

Use the NAB app on your preferred device.

  1. Log into the NAB on your device.

  2. If using iOS, tap More in the menu. If using Android tap the Menu icon.

  3. Tap Cheque deposit from the menu list.

  4. Read the terms of use, then tap Accept.

  5. Choose the account to receive the cheque deposit.

  6. In the Cheque details field, enter the Amount of the cheque and Description (optional).

  7. Tap Scan the front of the cheque making sure the cheque is within the border of the scanning frame.

  8. A message will appear requesting access to your camera. Tap Ok, got it to proceed.

  9. Hold your phone above the front of the cheque to auto scan.

  10. Tap Scan back of cheque.

  11. Hold your phone above the back of the cheque to auto scan.

  12. Tap Next.

  13. Review the details and tap Confirm cheque deposit.

  14. Your cheque deposit has now been complete. You’ll receive a message advising the cheque has been deposited.

  15. Funds may take up to three business days to clear.

If the deposit wasn’t successful the first time, go through the steps of depositing the cheque again. If this fails, call us on 13 22 65 or visit your nearest NAB Branch for assistance.

Don’t have the NAB app?

Download the app today for a more convenient banking experience.

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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.