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NAB PERSONAL BANKING


ENJOY FEE FREE INTERNATIONAL PAYMENTS

Make the most of $0 transfer fee when sending money in foreign currencies using
the NAB App or Internet Banking.

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POPULAR BANKING SOLUTIONS

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offers and helpful calculators.


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    * View all personal loans


OUR HOME LOAN VARIABLE RATES ARE CHANGING

Let us show you ways you can prepare for interest rate changes, manage your
repayments or get support. Learn how.

How to manage your home loan


OFFER
NAB BASE VARIABLE RATE HOME LOAN

Save money with a low rate, no application or ongoing fees.

Variable rate


4.99 % p.a.







Comparison rate *View Disclaimer 1

5.03 % p.a.







Offer available to new owner-occupier, principal and interest home loans where
the customer takes a NAB Base Variable Rate Home Loan and has a deposit of 20%
or more of the property value. *View Disclaimer 2

Book an appointment
View NAB variable rate details


START YOUR BANKING EDUCATION EARLY

Learn how to open an account as a child, teenager, or young adult.

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REACH YOUR MONEY GOALS

No matter what stage of life you’re in, we have information to help manage your
money and set good savings habits.


SPRIGGY – MONEY SKILLS FOR KIDS

Learn more about how Spriggy can help kids with their financial literacy.


SAVINGS ACCOUNTS

Whatever you're saving for, our savings accounts can help get you there sooner.


MONEY AND BANKING BASICS

Information, tools and tips to help you learn and understand money and banking
basics.

View all life moments


ONLINE BANKING WAYS TO BANK

Banking online means you can bank anywhere, anytime. It’s secure and convenient,
so get started today.


NAB INTERNET BANKING

Do everyday banking tasks and keep track of your finances with internet banking
on your computer or tablet.


THE NAB APP

Manage your banking on the go with our mobile banking app for your smartphone or
tablet.


HOW TO USE NAB ONLINE BANKING

Learn how to do simple banking tasks online using NAB Internet Banking or the
NAB app.

View all online banking

--------------------------------------------------------------------------------


REPORT A FRAUD OR SCAM

Learn what to do in the event of fraud or scams, and how to identify if you’ve
been impacted.

Report a fraud or scam




MANAGE YOUR PERSONAL BANKING

Use our personal banking calculators and tools to help you choose the right
product and view the latest interest rates and fees for our personal banking
products.

View interest rates and fees


HELP AND SUPPORT SERVICES

Need some help with your banking? Explore the services and expertise we offer
customers.


FINANCIAL HARDSHIP

If you’re experiencing financial difficulty, there are some ways we can help.


ACCESSIBILITY

Find out what we’re doing to become a more accessible and inclusive
organisation.


SECURITY AT NAB

Learn how to stay safe online with our security tips or contact us to report
fraud and scams.


CUSTOMER SUPPORT

Discover how we can provide support for our customers in times of need.

View all help and support

--------------------------------------------------------------------------------


HOW TO CONTACT US


PERSONAL BANKING CONTACTS

Visit our personal banking contact page for FAQ’s and how-to-guides, help from
our virtual assistant and contact numbers.

View all personal banking contacts


CUSTOMER ASSISTANCE DIRECTORY

Solve problems quickly online with our easy-to-follow guides. Simply select a
topic and we’ll direct you to the information you need.

Use our Customer Assistance Directory


VISIT A NAB BRANCH

Visit us in person at your nearest NAB branch or business banking centre.

Find a NAB branch


FEEDBACK

Suggestions, compliments and complaints

Provide feedback


INTERPRETERS AVAILABLE

Do you have limited English? We have interpreter services that can help. When
you call us, just say “I need an interpreter” and we’ll arrange for someone to
help with your banking enquiries.
 

 * 普通话
 * 한국어

 * Italiano
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View all languages


IMPORTANT INFORMATION


TERMS AND CONDITIONS

 * Disclaimer 1
   
   Comparison rates are based on a secured loan of $150,000 over a term of 25
   years
   
   WARNING: This comparison rate applies only to the example or examples given.
   Different amounts and terms will result in different comparison rates. Costs
   such as redraw fees or early repayment fees, and cost savings such as fee
   waivers, are not included in the comparison rate but may influence the cost
   of the loan.

 * Disclaimer 2
   
   Discount Offer Terms and Conditions
   
   This Base Variable Rate Discount Offer ("Offer") replaces the previous Base
   Variable Rate discount offer dated 12 August 2022. Under the Offer, eligible
   residential investor customers may benefit from a discount.
   
   For owner occupier borrowers making principal and interest repayments, the
   discount off the advertised Base Variable Rate for Home Loans indicator rate
   is:
   
    * 2.40% p.a. where Loan to Value Ratio (LVR) ≤80%
    * 1.40% p.a. where Loan to Value Ratio (LVR) >80%
   
   For residential investor borrowers making principal and interest repayments,
   the discount off the advertised Base Variable Rate for Residential Investment
   Home Loans indicator rate is:
   
    * 2.42% p.a. where Loan to Value Ratio (LVR) ≤80%
    * 1.57% p.a. where Loan to Value Ratio (LVR) >80%
   
   For residential investor borrowers making interest only repayments, the
   discount off the advertised Base Variable Rate for Interest Only Residential
   Investment Home Loans indicator rate is:
   
    * 1.82% p.a. where Loan to Value Ratio (LVR) ≤80%.
   
   For the purpose of the Offer, LVR or Loan to Value Ratio means the value of
   the customer’s total NAB home lending divided by the total value of secured
   property.
   
   The Offer is available from 16 December 2022 until withdrawn by NAB. NAB may
   vary or end this offer at any time without notice. To be eligible for the
   Offer, an application must be submitted during the period that the offer is
   available and then approved, and drawn down within the time period set out in
   the applicant’s loan offer.
   
   The Offer is available on a new Base Variable Rate Home Loan of $20,000 or
   more.
   
   The Offer is available for new lending only including refinances. The Offer
   is not available for any variation or change of loan purpose of any existing
   NAB home loan where a new application is not required, except existing NAB
   borrowers who apply for an increase in their NAB Base Variable Home Loan of
   $20,000 or more.
   
   The Offer will permanently cease to apply to any otherwise eligible NAB Base
   Variable Rate Home Loan on the earlier of:
   
    * any change to loan purpose or repayment type; or
    * loan ceases to be a NAB Base Variable Rate Home Loan
   
   The Offer is not available in conjunction with any other discount offer that
   may apply to NAB Home Loans from time to time.

This section contains Important Information relevant to the page you are
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.

Apologies but the Important Information section you are trying to view is not
displaying properly at the moment. Please refresh the page or try again later.

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 terms and conditions or
product disclosure statement for the product available in the important
information section of the product page. Products issued by NAB unless stated
otherwise.

Target Market Determinations for these products are available at nab.com.au/TMD.

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