NAB Mobile Banking app
Indicator rates - personal deposits
| Variable base rate | Variable bonus rate | Total interest rate | |
|---|---|---|---|
| $1 - $49,999 |
Variable base rate
0.10% p.a.
|
Variable bonus rate
4.00% p.a.
|
Total interest rate
4.10% p.a.
|
| $50,000 - $249,999 |
Variable base rate
0.10% p.a.
|
Variable bonus rate
4.00% p.a.
|
Total interest rate
4.10% p.a.
|
| $250,000 - $999,999 |
Variable base rate
0.10% p.a.
|
Variable bonus rate
4.00% p.a.
|
Total interest rate
4.10% p.a.
|
| $1,000,000 plus |
Variable base rate
0.10% p.a.
|
Variable bonus rate
4.00% p.a.
|
Total interest rate
4.10% p.a.
|
| Base interest | 0.20% p.a. |
|---|
| Base interest | 2.30% p.a |
|---|
The total introductory rate is made up of the standard variable rate plus the fixed bonus margin. This is what you will earn on your NAB iSaver account for the first 4 months if you have not held a NAB iSaver in the last 12 months (on balances up to $20 million). After the first 4 months, you will earn interest at the standard variable rate. If there are multiple account holders, the fixed bonus margin will only be earned if all customers are eligible.
| Standard variable rate | 1.25% p.a |
|---|---|
| Fixed bonus margin | 3.15% p.a |
| Total introductory rate | 4.40% p.a |
NAB Retirement Account or NAB Retirement Passbook Account (not for sale)
| $1 - $9,999 | 0.15% p.a.View Disclaimer 2 |
|---|---|
| $10,000 - $49,999 | 0.95% p.a.View Disclaimer 2 |
| $50,000 - $249,999 | 1.45% p.a.View Disclaimer 2 |
| $250,000 plus | 1.60% p.a.View Disclaimer 2 |
NAB Private Portfolio Facility
NAB Private Portfolio Facility, NAB Portfolio FacilityView Disclaimer 3 (no longer for sale to personal banking customers), or NAB FlexiPlus Mortgage Facility (new lending restricted to bridging purposes only)
| $1 - $19,999 | n/aView Disclaimer 4 |
|---|---|
| $20,000 - $49,999 | 0.01% p.a. |
| $50,000 - $99,999 | 0.01% p.a. |
| $100,000 plus | 0.05% p.a. |
Transaction accounts
| NAB Classic Banking Account | 0.00% p.a. |
|---|---|
| NAB Gold Banking Account - Private (not for sale) | 0.00% p.a. |
| NAB Gold Banking AccountView Disclaimer 5(not for sale) | 0.01% p.a. |
| NAB Passbook Account (not for sale) | 0.01% p.a. |
Debit interest rate
Applicable to accounts overdrawn without an approved overdraft limit.
| Personal accounts | 15.41% p.a. |
|---|
Indicator rates - business deposits
| NAB Business Cash Maximiser Account | |
|---|---|
| $10,000 plus | 0.50% p.a. |
NAB Business Cash Maximiser (SMSF) AccountView Disclaimer 6 (not for sale) (Only applicable for accounts opened prior to 20 July 2020) |
|
|---|---|
| $10,000 plus | 0.05% p.a. |
NAB Farm Management Account (no longer for sale)
(including Farmer's Choice Package – no longer for sale)
| $1 - $19,999 | 0.05% p.a. |
|---|---|
| $20,000 - $49,999 | 0.05% p.a. |
| $50,000 - $99,999 | 0.05% p.a. |
| $100,000 plus | 0.05% p.a. |
| $1 - $49,999 | 0.05% p.a. |
|---|---|
| $50,000 - $99,999 | 0.20% p.a. |
| $100,000 plus | 0.35% p.a. |
Victorian Retail Lease Account
| $1 plus | 0.05% p.a. |
|---|
NAB Deposit Reference RateView Disclaimer 7
| $1 plus | 3.10% p.a. |
|---|
Overdrawn Debit Interest Rates View Disclaimer 8, View Disclaimer 9
| Business accounts | 14.91% p.a. |
|---|---|
| Farm management accounts (no longer for sale)View Disclaimer 10 | 14.91% p.a. |
| Statutory trust accounts | 14.91% p.a. |
| Victorian Retail Lease Account | 14.91% p.a. |
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