Benefits and features

Save time

Use your smartphone to deposit cheques (up to $5,000 every 7 days) without needing to travel to a branch.

Convenient and easy to use

With the latest version of the NAB app and an eligible NAB transaction account, deposit cheques quickly and easily.

Deposit cheques as you need

Deposit up to $5,000 in cheques over 7 days at no charge for personal customers. Fees may apply for deposits made to business accounts.* Funds will usually clear and be in your account after 3 business days.

How to deposit a cheque

  • 1

    Step 1

    1. Open the NAB app and tap Cheque Deposit from the More menu.

  • 2

    Step 2

    2. Select your transaction account and enter the cheque deposit amount.

  • 3

    Step 3

    3. Scan the front and back of the cheque.

  • Complete

    4. Validate the deposit details and tap Confirm cheque deposit. Once you receive a receipt you’re done. Remember to hold onto your cheque for 10 business days.

Frequently Asked Questions

  • Any of your transaction accounts that appear when you select the Cheque Deposit feature are eligible for deposits.

  • You’re required to keep the physical cheque in a safe place for 10 business days. During this time, if we request the physical cheque, you’ll need to return it to us promptly. After 10 business days, you must securely destroy the cheque. You can do this by shredding the cheque so that the details on the cheque can no longer be read or reconstructed.

  • Usually 3 business days. It will take a further business day if you submit a cheque after 10pm (AEST/AEDT) or on a day that is not a business 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).

  • No. At this stage, the deposit limit of $5,000 can’t be increased. You’ll need to visit a NAB branch to deposit cheques over this limit. 

    • Ensure you’ve downloaded the latest version of the NAB app.
    • Check that you’ve allowed camera permissions with the NAB app.
    • Re-scan the cheque and make sure it’s within the border of the scanning frame.
  • Try depositing the cheque again. If the deposit was successful the first time, you’ll receive a message advising that the cheque has already been deposited and no further action is required. 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.

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Terms and Conditions

Mobile cheque deposits are available on eligible transaction accounts. Not available on certain personal and business accounts including savings, credit card and term deposit accounts. You may submit a total of $5,000 worth of Australian dollar cheques within any 7 day period. Third party cheques are not accepted. An internet connection is needed to access the NAB App and mobile cheque deposits.

Physical cheques must be kept in a safe place for 10 business days. Funds will usually clear and be in your account within three business days unless you submit a cheque after 10PM AEST or on a non-business day. Please read the full NAB Mobile Cheque Deposit terms and conditions.

NAB app

NAB App - NAB recommends you consider the Internet Banking terms and conditions document before making any decisions regarding this product. This product is issued by National Australia Bank Limited. The NAB Mobile Banking app is compatible with Android and iOS, minimum platform requirements apply.

Apple, iPhone, iPad, Touch ID, Face ID and the Apple logo are trademarks of Apple Inc., registered in the U.S and other countries. App Store is a service mark of Apple Inc. Google Play and the Google Play Logo are registered trademarks of Google LLC.

Android is a trademark of Google LLC.

iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license.