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 1. About us
    
 2. Corporate Governance
    
 3. Identity verification and protection


IDENTITY VERIFICATION AND PROTECTION

Learn about what identity verification entails, why it’s important and how we
protect you.





WHAT IS NAB IDENTITY PROTECT?

NAB Identity Protect is our specialised team that contacts customers to perform
identity verification. This is required to meet our obligations under Anti Money
Laundering (AML) and Counter Terrorist Financing (CTF) Act 2006 and the
Anti-Money Laundering and Counter-Terrorism Financing Rules Instrument 2007.


WHY WE CONTACT YOU

Anti-money laundering regulations have strengthened protections against
financial crime. We contact customers as part of our review process to ensure we
have the most correct and up to date customer identity data. This data includes
both personal details of individuals as well as business/organisation details.


THIS IS NOT A SCAM

 To validate the legitimacy of our formal communications we provide the
following protections:

 * ability to validate the phone number and email address contained within your
   letter or email using the contact details on this page
 * ability to walk into a NAB branch with the communications you’ve received
   from us to confirm their legitimacy.
 * absence of hyperlinks within emails or SMS messages from NAB
 * absence of phone numbers in SMS messages from NAB.

Note: Even if you don’t have your own NAB account, we may need information from
you if you are connected to a NAB business customer or NAB account. For example,
you may be a signatory, beneficial owner, director and we’ll still need to
verify your identity.

Learn more about AML/CTF legislation, opens in new window


CONSEQUENCES OF NOT VERIFYING YOUR IDENTITY

If your identity details have not been verified, to meet our regulatory
obligations, we may be required to suspend transactions for accounts held in
your name, including any joint account(s). This means that you won’t be able to
withdraw or send money from these accounts, and any recurring or automatic
payments (for example, direct debits) will stop.

If you’re connected to a business customer as a primary contact relating to a
business requiring verification, such as a beneficiary, partner, signatory, or
director, you are considered a related party, and may, therefore, be required to
verify your identity. If related parties are not successfully verified, this may
result in the suspension of transactions for accounts held by in the name of the
business entity. To prevent account suspension, follow the instructions in the
communication we sent to verify your identity. 

If you think you’ll be unable to verify your identity by the required timeframe
(e.g. you’re overseas), it’s important for you to get in touch with us to avoid
account suspension or possible disruption to your account. 

Alternatively, if you have a banking relationship manager, they can work with
you to verify your identity and assist you in resolving this matter.

If your account has already been suspended or closed, call the number listed on
your email or letter and quote your reference number. Any suspensions placed on
your account will be lifted once the required information is received.


HOW WE PROTECT YOU AND YOUR ACCOUNTS

We take the privacy and the protection of customer information seriously. Our
team of experts continually monitor accounts and cards 24 hours, seven days a
week to help protect you from suspicious activity. We have put extra controls in
place to monitor and prevent unauthorised access.

NAB ensures that third parties we appoint as our contractors or agents,
including those located overseas, meet the NAB Group’s privacy policies and
obligations. We use up-to-date electronic security systems such as firewalls and
data encryption to protect our websites and online platforms from potential
security breaches.

Learn how we handle your personal information

Learn more about data breach support




IDENTITY VERIFICATION SUPPORT

Explore our resources for more information about NAB Identity Protect.


HOW TO VERIFY YOUR IDENTITY

In this detailed guide, learn about how our identity verification process varies
by customer, including individuals, businesses, those overseas and more.


CONTACT INFORMATION FOR NAB IDENTITY PROTECT

Learn how the team will contact you and how you can verify if the phone, email
and SMS details you’ve received are genuine.


GUIDES, FORMS AND TEMPLATES FOR NAB IDENTITY PROTECT

Explore all the guides, forms and templates you need to complete the identity
verification process.


IMPORTANT INFORMATION

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viewing, but you can't see it because you have JavaScript disabled on your
browser. Please enable JavaScript and come back so you can see the complete
page. It's important that you read the Important Information in this section
before acting on any information on this page.

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Any advice on our website has been prepared without considering your objectives,
financial situation or needs. Before acting on any advice, consider whether it
is appropriate for your circumstances and view the Product Disclosure Statement
or Terms and Conditions available online or by contacting us. Credit
applications are subject to credit assessment criteria. Interest rates, fees and
charges are subject to change. Target Market Determinations for our products are
available at nab.com.au/TMD. Products issued by NAB unless stated otherwise.

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