What is ‘Spending’?

Spending is a new function in NAB Internet Banking to help you keep track of your expenses and manage your money.

It can help you understand where your money is going, making it easier to set up a budget and savings plan. It’s available by logging into your NAB Internet Banking only (not through the NAB app).

How we’ll use the information in Spending

‘Spending’ is a tool to help you manage your personal finances only. We won’t use this information for an assessment of any credit application you make. Read our Privacy Policy to learn more about how we use your information.

When will Spending be available?

Spending is available now through your desktop Internet Banking.


You can now set up savings goals in the NAB app. Read our savings goals article for more information.

We’ll be working hard over the next few months to introduce new tool features and continue improving the current ones. We welcome your feedback while we’re in this initial phase. You can provide feedback through NAB Internet Banking when you use the tool.

How Spending works

Spending uses 3 key sections of information to help you manage your money.


This is your high-level cashflow information for the selected account(s). It includes money coming into the account and all expenses for the selected period.


Expenses coming out of the account are displayed. They’ll be automatically categorised as explained below.


This displays a list of transactions similar to NAB Internet Banking’s Transaction History.

The transactions will be listed under their expense category.

Each transaction is automatically categorised using our pre-defined category types. You can filter and search for your transactions within each category to make it easier to manage your money.

Here are some of the things Spending allows you to do.

Categorise transactions

We’ll automatically categorise your transactions based on certain transaction information, like merchant type.

The merchant details we use to categorise your transactions are provided by Look Who’s Charging. While every effort is made to ensure they’re correct, we can’t guarantee it.

If you find any of the merchant details against your transaction are incorrect, use the ‘wrong merchant information’ link on the page to have it reviewed.

Here are some of the common categories we use:

  • utility bills like gas and electricity will go under ‘Bills’
  • clothing and shoes will go under ‘Shopping’
  • school fees will go under ‘Education’
  • doctor’s fees will go under ‘Health’ and so on.

Adding or changing categories

Some transactions might not have enough information for us to categorise properly at the start.

We understand the way people think about their money is very personal, so we’ve included categories we think will work for most people.

If you find the categories don’t work for you, you can change the categorised transaction using another option in the categories list, but you can’t yet add a customised one.

If you think we’ve missed some useful categories, we’d love to hear your suggestions so we can continue to make improvements. You’ll be given an opportunity to give feedback when you use the tool in NAB Internet Banking.

Using the Spending tool

Spending is live and available for your use.

If you’re new to NAB, register for NAB Internet Banking then follow these steps:

  1. Login to NAB Internet Banking using your NAB Identification Number (NIN) and password.
  2. Select Spending from the menu.
  3. You’ll see a categorised view of your expenses to use.
  4. To change accounts, use the filter in the top right-hand corner.
  5. Start categorising your expenses.

Selecting an account

At the moment, you can only select one account to track at a time. Soon, you’ll be able to select multiple, or all, accounts. You can use a filter to change the account you want to use.

Select a date range

You can choose the date range you want to track from a dropdown list. You can select ‘From the last 7 days’ to ‘The last financial year’ and lots of options in between.

Changing a category

You can change the category of a transaction by selecting the transaction and clicking on ‘change category’ option.

You will then be prompted to apply the change to a single transaction or all transactions for this merchant.

All future transactions for this merchant will be categorised under the new category.

Export data

You can export the data from Spending to make it easier for you to do a more personalised analysis and set up a budget or savings plan.

How to save and budget

We'll help you do the numbers so you can budget your income.

How to save money for beginners

Our guide to creating and sticking to good saving habits.

A guide to saving money

We offer a variety of simple ideas to get your bank balance rising.

Important information

The NAB Internet Banking terms and conditions apply when using NAB Internet Banking.