Take control of your money

Financial independence can be really freeing, despite how daunting it might seem at first.

As you enter this new period in your life, you might be starting to earn your own money, finishing your studies or planning to travel. Add on having to learn about superannuation, paying tax, rent, bills and other everyday expenses – not including that unexpected parking ticket, vet bell or surging ride share charge – and it can start to feel a little overwhelming.

But we’re here to help. Here are some products that might suit your needs and put you on the path to financial independence. You can also browse other resources and advice for young adults learning to manage their money.

Easy to understand products

Spend or save your money in a way that suits you with our transaction and savings accounts. The best part? You can manage all of this inside the NAB app.

NAB Classic Banking account

Your everyday bank account allows you to access your money easily, with no monthly account fees.

NAB iSaver

Your online savings account linked directly to your transaction account so you can earn interest and still make withdrawals.

Use NAB Now Pay Later to split your payments in four

Link your NAB Classic Banking account to NAB Now Pay Later to buy now and split your payments into four equal instalments.

You won’t pay interest or fees and you can use it to shop anywhere VISA is accepted, online and instore (gambling transactions and cash advances aren’t allowed).

The NAB StraightUp Card, our no interest credit card

The NAB StraightUp Card is a simple and easy to use credit card. It has no interest, no late payment fees or international transaction fees.

Depending on the credit limit you choose, you’ll have a fixed minimum monthly repayment and a fixed monthly fee instead of an annual fee.

Terms and Conditions

Full terms and conditions will be available in the NAB app when applying for NAB Now Pay Later.

NAB StraightUp Card Terms and Conditions apply. Monthly fee may be payable. Approval and credit limit are subject to NAB's credit assessment criteria. Information, including fees are subject to change.

NAB StraightUp Card, NAB Internet Banking and NAB App issued by National Australia Bank Limited.

Any advice has been prepared without considering your objectives, financial situation or needs. Before acting on any advice, you should consider whether it is appropriate for your circumstances and view the Personal Transaction and Savings Products Terms and Conditions (PDF, 627KB), opens in new window. Target Market Determinations for these products are available at nab.com.au/TMD. NAB products issued by NAB.

See our personal banking fees and charges and indicator rates for deposit products.