Tap into more with NAB Pay

Make contactless payments

Make contactless payments

Using your smart phone whilst shopping with Visa payWave.

Shop locally and overseas

Shop locally and overseas

At Visa payWave enabled terminals.

Your protection against fraud

Your protection against fraud

100% peace of mind with all your purchases protected with the same security and fraud protection services as your physical card.

Here's what you need to get started

paying fast and easy

Paying is fast and easy

To make a payment, place the back of your phone against the reader until it beeps. For payments $100 or over, you'll need to enter your card PIN.

You can choose from three different ways to pay

From the home screen
Simply unlock your phone and tap

From inside any app
Whether you're on the phone, sending a message or browsing the web, just tap your phone against the terminal to pay.

From the NAB app
Click on the NAB Pay button at the bottom of the app. If you've selected the Passcode to Pay option, you'll need to enter your passcode.

Download the NAB app

Android tap and pay

How secure is NAB PAY?

NAB Pay is a secure and convenient way to make contactless purchases. Transactions made through NAB Pay include the same fraud protection as your NAB credit or debit card.

More about NAB Pay security features

When using NAB Pay, you are protected by NAB Defence, our security promise to you. Just as a card, NAB Pay allows you to make contactless payments for purchases under $100. If your purchase is $100 or more you will be prompted to enter your PIN. You can also add to your protection by setting up your own security settings - such as a passcode on your mobile device to access NAB Pay. Learn more about NAB Defence.

Available security options

There are two security options available with NAB Pay:

  • Quick Pay - You won't require a password to make purchases with NAB Pay.
  • Passcode to Pay - You'll need to enter a NAB Pay passcode (a four digit pin set up specifically for mobile purchases) to make purchases with NAB Pay. You're then ready to make your purchase.


  • For purchases of $100 or more, you will also need to enter in your PIN on the merchant terminal.
  • As part of the security option on NAB Pay you can choose to create an additional NAB Pay passcode. You'll be asked for this passcode each time you want to access NAB Pay. It is always a good idea to select a different passcode from your NAB app passcode.

Authenticating yourself during the NAB Pay registration process

NAB Pay will use existing identification and authentication steps established as part of your NAB app. You will only need to create your NAB Pay access code once at initial set up, and you can change in your security settings at any time.

Important information

Google Play, the Google Play logo and Android are trademarks of Google Inc. Visa payWave® is a registered trademark of Visa Worldwide Pty Limited

The Android robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License.

© National Australia Bank Limited. Use of the information contained on this page is governed by Australian law and is subject to the disclaimers which can be read on the disclaimer page. View the NAB privacy policy.