What is SMS Security?

SMS Security is our free online security service that provides extra protection when you use NAB Internet Banking or the NAB app.

Why is SMS Security important?

SMS Security gives you more security, safety and confidence to bank online.

Get more protection online for:

  • updating your personal details
  • transacting with other financial institutions
  • external transactions to non-linked accounts
  • authorising new billers and payees
  • activating your NAB Visa Debit card
  • set and reset your NAB Visa Debit or credit card PIN
  • reset your password
  • confirmation of:

How SMS Security works

Once you’re registered for SMS Security, you’ll receive a unique authorisation code on your mobile when banking online. Simply, enter the code and you're done!

Using SMS Security means your online accounts stay secure even if your NAB ID and password fall into the wrong hands. If someone attempts an unauthorised payment from your account, we'll alert you via SMS.

If you don't own a mobile phone, live in a mobile service area or you experience accessibility problems, please call our Internet Banking Support team on 1300 651 656 to discuss your options.

SMS codes

If you receive an SMS code and you’re not logged into online banking, call our security specialists on 1300 651 656 and we'll take care of it.

How to register for SMS Security

If your mobile number is registered with us, you’ll be registered for SMS Security when you set up Internet Banking. Otherwise, follow these steps below.

If your NAB ID was set up under a business profile you can only register for SMS Security through Internet Banking.

If your mobile number is not registered yet, here’s how to get started. 

Register using NAB Internet Banking

  1. Log into Internet Banking.
  2. Go to Profile & Settings and select the ‘Security & Password’. 
  3. Click Register Now.
  4. Choose to set up SMS security with your mobile phone, home or work number, and click on Next.
  5. Enter the code sent directly to your phone into the SMS code field.
  6. Click Next to receive confirmation your registration is successful.

Helpful hint: If you don’t want to receive SMS messages from NAB about other offers and opportunities, select the checkbox.

If no mobile number is registered, or it’s incorrect, call us on 1300 651 656 or international on +61 3 8641 9886 (select option 1 after entering your NAB ID and telephone banking password).

Register using the NAB app

  1. Log into the NAB app.
  2. Go to More then select Profile.
  3. Under My details check your mobile number is correct in the ‘SMS Security’ field.
  4. You’re ready to go.

If no mobile number is registered, or it’s incorrect, call us on 1300 651 656 or international on +61 3 8641 9886 (select option 1 after entering your NAB ID and telephone banking password).

Help and support

  • When you make a payment to a biller or payee for the first time, you will need an SMS code.

    You can pre-authenticate regular payees and billers you’ve saved in NAB Internet Banking, so you’ll only need your password or passcode to make a payment.

    If you’re using a different device, you may still need to enter an SMS code.

  • To protect your account from fraud, your daily transfer limit is $5,000 if you’re registered for SMS security.

    If you’re not registered it is $2,500.

    The daily limit of $2,500 applies to BPAY® Bill payments  except payments made to NAB authorised billers.

  • If you don’t have a mobile phone and your landline can accept SMS messages, you can register your landline instead of a mobile number.

    If you’re travelling within Australia, SMS Security will be available in a mobile coverage area.

    If you’re overseas, you can send and receive SMS if your handset and SIM card allow global roaming and the country you are in operates via a compatible network. Please check with your mobile phone service provider.

  • To protect you when you make Pay anyone payments, you may be asked to confirm a transaction with a SMS Security Code – even if you’ve paid that payee before.

    You may get a request for a SMS Security Code the first time you make a payment on a specific device including the first time you make a payment to a previous payee.

  • You can call the Internet Banking Support team to change your mobile number.

    Inside Australia

    Call 1300 651 656, Monday to Friday, 7:00am to 9:00pm (AEST/AEDT) and Saturday to Sunday, 9:00am to 6:00pm (AEST/AEDT).

    Outside Australia

    Call 1300 651 656, Monday to Friday, 7:00am to 9:00pm (AEST/AEDT) and Saturday to Sunday, 9:00am to 6:00pm (AEST/AEDT).

  • SMS Security provides an additional layer of security for you when you bank online. We recommend SMS Security to all NAB Internet Banking customers in addition to following general security guidelines including security software and good password management.

    If you want to cancel or disable SMS Security, call our Internet Banking Support team on  1300 651 656.

Contact us

Visit a NAB branch

Visit your nearest NAB branch to speak to us in person.

Call us

Let us help you with your personal banking needs.

Important information