NAB (National Australia Bank)

NAB, personal and business banking in Australia

NAB (National Australia Bank) is a banking institution that offers financial solutions for both individuals and businesses. Its range covers bank accounts, credit cards, home loans and personal loans, as well as online banking and investment management services.

Personal banking

On the personal side, the institution offers transaction accounts, savings accounts, Visa debit cards, term deposits and joint accounts. The NAB Classic Banking account is presented with no monthly account fee, although other fees and charges apply. For those seeking financing, it offers home loans with a basic variable rate, a tailored variable rate with offset and a tailored fixed rate, along with tools and calculators to estimate repayments, borrowing power, stamp duty and available equity.

The credit card range includes products with rewards programs, such as NAB Qantas Rewards and NAB Rewards cards, as well as low-interest and low-fee options. Personal loans cover purposes such as buying a car, consolidating debts, renovating your home, weddings, holidays and making a major purchase. It also has calculators for borrowing power, personal loan repayment and debt consolidation.

NAB Premier Banking, investments and wealth

NAB Premier Banking, online banking, digital payments and the NAB app are part of the services for personal customers. In the investment area, the institution offers nabtrade for online investing, investment lending, cash management and self-managed super funds (SMSF), along with financial advice and private banking solutions. The Private Wealth section includes banking, investment and advice solutions, with access to insights on markets and wealth.

Insurance and international services

The institution offers home and contents insurance, landlord insurance, car insurance and caravan and trailer insurance, as well as complimentary card insurances. For international transactions, it offers overseas transfers, an explanation of international transaction fees, a foreign exchange calculator and international banking for businesses. International transfers in foreign currency through NAB Internet Banking or the NAB app are advertised with a $0 transfer fee.

Business banking

For the business segment, NAB has transaction accounts, savings accounts and specialised accounts. The NAB Business Transaction Account is presented with a $0 monthly fee. In financing, it offers sustainable finance for business, business loans, overdrafts, car and equipment finance, trade and invoice finance, and bank guarantees. The NAB QuickBiz unsecured business overdraft allows access to up to $50,000 in flexible funds. It also offers calculators and the option to book a business loan appointment.

Business credit cards include the NAB Rewards Business Signature Card, NAB Qantas Business Signature Card, NAB Low Rate Business Card and NAB Business Card, as well as corporate and purchasing cards. A promotion indicated that when applying for a new NAB Qantas Business Signature Card you could get up to 200,000 bonus Qantas Points, subject to eligibility criteria and terms and conditions.

Payments, merchants and online banking

In payment acceptance, NAB offers solutions for in-person payments, e-commerce and online payments, invoicing and recurring payments, making payments and a merchant support centre. An offer indicated a one-off $300 refund to cover 12 months of terminal rental when signing up for a new NAB EFTPOS terminal before 30 November 2026 and settling the first transaction in a NAB Business Transaction Account before 31 December 2026, for eligible new and existing customers.

Online business banking includes NAB Connect, NAB Direct Link, NAB Internet Banking and the business mobile app. The NAB Connect platform is presented as award-winning and number 1 in overall features and functionality for 8 consecutive years, according to the Coalition Greenwich Voice of Client 2026 Australia Large Corporate Transactional Banking Study, compared with four major domestic banks.

Specialist services, sustainability and community

NAB has dedicated banking for small businesses, resources for self-employed workers and the NAB Business Benefits program. In the corporate segment, it offers global relationships, industry expertise and specialist solutions such as specialist finance, working capital value creation, transactional banking, market risk management, investor collaboration and global infrastructure. It also addresses climate and environment within its corporate offering.

The institution publishes research and analysis, such as the NAB Morning Call podcast with economic and market information. On security, it shares alerts about scams, phishing messages and fraud, and offers cybersecurity training and security centres for individuals and businesses. NAB’s Big Scam Education Conversation was held on 26 August 2025. In addition, NAB Careers offers information on employment, business areas and graduate and First Nations career programs. On sustainability, the institution mentions disaster relief and support, the NAB Foundation, the environment and support for customers and communities. Corporate governance includes collecting your tax information, managing financial crime, the Code of Conduct and the Banking Code of Practice. The Shareholder Centre brings together information on dividends, financial calendar, reports, annual general meeting and general shareholding enquiries.