The basics of internet banking

Posted in Banking tips

There are so many things that you can do with NAB Internet Banking that you might not know where to start. This is a quick look at the most common ways people manage their money online.

Update, December 2011: This post was updated to fit in with NAB Internet Banking’s new look.

If you’re logging in for the first time, you might want to read about setting up your NAB Internet Banking first.

See where your money comes from, and where it goes

When you login to check your account balance, a common follow-up question is: “What? Where did all my money go?”. (If you’re lucky it might be, “What? Where did all that money come from?”)

This is when you need your Transaction history, which lists each transaction in and out of your accounts. Today’s transactions are at the top of the list, which gets older as you scroll down.

The easiest way to open an account’s history is to click on the account in your main Account summary, or to open the Accounts menu and select Transaction history.

Once you’re in the Transaction history screen, you can choose a new account to look at . Look for the drop-down list above the list of transactions.



Finding specific transactions

Say you find a three-month-old power bill for $83.56 under the couch and can’t remember if you’ve paid it yet. It would take a long time to scroll through 90 days of transactions looking for it, and there’s a good chance you’d miss it if you tried.

Instead, use the Show filter button above the list of transactions (it’s to the right of the drop-down list that you use to select accounts). This lets you search for a particular transaction or to limit the listed transactions.



Use the Transaction type and Amount filters to only see debits of $80-$85. If you still have a lot of payments listed, you could add a date range, too.



Pay bills with BPAY®

Alright, you’ve filtered your transactions and double-checked the list but you definitely haven’t paid that power bill. So do it now, before you lose the notice again!

Open the Bill payment menu and select New bill payment. Use the BPAY® information printed on your bill to find the company (or biller) to pay, and to identify yourself with your “customer number”.

Once you’re done you can save the biller details. This means that next time you’re paying an electricity bill the company’s details and your customer number are ready to go. All you’ll have to enter is the amount.

Transfer money to anyone else in Australia

What’s the easiest way to pay your workmate back $16.30 for lunch? Do you just give them a twenty and hope that they buy you a coffee some time, or do you mess around with awkward amounts of change?

And what can you do if your children need a few extra dollars while they’re having a “study break” on the Gold Coast? You need a better plan than hoping that your broke teenager knows a few good busking tunes.

This is when NAB Internet Banking funds transfers are so useful. So long as you know someone’s account number and BSB you can transfer money straight into their bank account. You choose the exact amount (although if you’re trying to move thousands of dollars, you’ll run into daily limits) and can even add in a fee-free SMS to the person as well.

Start by opening the Fund transfer menu and selecting New funds transfer. Once you’ve made the transfer, you can save the person’s details so it’s faster next time. To do that, choose Add payee.

Set up payments for later

Maybe you pay your workmate back for lunch every Wednesday, or you know that by the time your kids phone home for holiday money you’ll be away on a break of your own. This is when you can use NAB Internet Banking to plan ahead, rather than having to login on the day of every payment you make.

When you set up a funds transfer or bill payment we give you two scheduling options:

  • choose a future date for the payment – any day in the next 18 months

Internet Banking future-dated payment

  • make the payment periodic, so you pay the same amount to same person every week, fortnight, month or quarter.

Internet Banking period payment

You can schedule bill payments like this, too
Periodic bill payments are perfect for those bills that don’t change, like rent. You already know the exact amount you owe, and the day it’s due, so why not set up a repeating bill payment now and never have to remember again?

Give your money time to get where it’s going

It pays to keep in mind that bill payments and fund transfers – especially transfers that have to go through the BPAY® system or between two different banks – can take a few days to go through. You’ll probably find that your transfers normally move overnight on weekdays, but this isn’t always guaranteed.

Whenever you can, give your payments and transfers two or three “banking days” to arrive. A banking day is a day when banks are open – so don’t count weekends, public holidays or bank holidays. (Remember that holidays outside of your state can slow your payment down by a day, too.)

So if your power bill’s due on Friday the 20th, make your payment by Tuesday the 17th.

Further information

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158 Responses to The basics of internet banking

  1. HTIN KYAW says:

    Hi there,
    This is Tim. I want to know that how long it going take to transfer money from nab to other nationl bank like Commonwealth and ANZ.

    • NAB says:

      Hi Tim, it does depend on when the transfer is sent. Usually, from NAB to other major banks, transfers are processed overnight (between business days). If however, a transfer is sent late on Friday it may not be processed until overnight the following Monday. Let’s chat via email ( so we can chat further, thanks! ^AB

  2. Melissa says:

    Hi, was wondering how I change the ‘nickname’ of all my accounts?

  3. Leeann says:

    Hi, I’m considering changes banks. I’m currently with Commonwealth bank and I like that their online banking is (mostly) in real time (unlike my old bank ANZ that used to take days for an eftpos purchase or ATM withdrawal to show). Can you tell me if NAB internet banking is also in real time? Or is there a delay in showing transaction credits/debits?

    • NAB says:

      Hi Leeann, our Internet banking displays balances and transactions in real time – debit transactions will appear as soon as they are made, with further information added once they are fully processed. Sometimes some transactions (example, a credit transaction at a restaurant) may take a day or two to appear – this may be due to the merchant (the restaurant) choosing to send their payments in bulk to their bank, which is then passed to us to fully process. Hope that helps – I’ve sent an email also (from and can have our team follow up to chat further if you like – speak soon! ^AB

  4. Pandi says:

    I’ve just set up a new account, I transferred money into the account and I can see the new balance, but it says there is no ‘available balance’ and now I cannot even transfer the money back into my old account for use. What does this mean?

    • NAB says:

      Hi Pandi, let’s chat via email ( and I’ll have our Internet Banking team follow up directly for you, thanks! ^AB

  5. Trent says:

    Just wondering what time my money would be available in my account if I got payed from a westpac account yesterday early afternoon. I have had money transferred to my account from the westpac account before was just wondering if there’s a specific time they go through e.g 12am, 1am..

  6. Ros says:

    I want to know that if I transfer money from nab to other nationl bank like Commonwealth and ANZ.
    Is there any transfer fee? or cost to me.


  7. Manli says:

    I just want to check how long does it take to tasfer fund between two different nab bank accounts?

  8. Mandy says:

    Just wondering if there is any extra charge if you are transferring money from the NAB account to Commonwealth online.

  9. Ajay says:


    Is there any way of transferring funds from my NAB account to a credit card through Internet banking.


    • NAB says:

      Hi Ajay, there certainly is. Completing a funds transfer will allow you to do this. Click here for instructions on how to perform a funds transfer. ^AS

  10. Paul says:

    Hi, I am a NAB customer and would like to know how much is the fee every time my periodic payments are made to another bank. Thanks

  11. Jude says:

    Hi. I was just wondering how long a transfer would take from a NAB account to my commonwealth account. It’s the first time I am receiving a transfer from that account. Thanks!

    • NAB says:

      Hi Jude,
      If transferring to another financial institution within Australia, before 6pm AEST the funds will appear in the account within one business day. If transferring funds after 6pm AEST then funds will appear within two business days ^JP

  12. Brendan says:

    Hi, i am thinking of opening a NAB account to put my wages in when i start my employment. When i open the account do i have to put money in straight away and if so how much?

    • NAB says:

      Sorry for not getting back to you sooner Brendan, when opening a NAB account you don’t need to deposit funds straight away, if it’s one of our transaction accounts (i.e. NAB Classic Banking). If you need any more info or have any other q’s send through a message to! ^JP

  13. Anna says:

    Hi. Do I lose interest every time I transfer money from my savings account into my main account? Thank you.

    • NAB says:

      Is this from your iSaver account, Anna? If so interest is calculated on a daily basis. It works this way:
      (Interest Rate / Days in the year) * (Current daily balance/100) = Daily Interest. I hope this info clarifies it for you :) ^LB

  14. Bill says:

    How much would the actual transaction fee be for transferring funds from nab to Commonwealth bank via online (also from Commonwealth bank to nab online, or is it the same fee, what other fees are included?)

  15. Reno says:

    I transferred money 8pm Thursday via nab internet banking to cba account holder. When should he receive funds in there account.
    And can I show them proof

  16. Kerrie says:

    what is the cut off time for internet banking transactions?

    • NAB says:

      Hi Kerrie,

      it all depends on the type of Internet Banking transaction you’d be performing.

      Find more detailed information for each one here. ^SN

  17. Shari says:


    Just had a further query regarding the Internet banking displaying balances and transactions in real time – above it was said that debit transactions will appear as soon as they are made, with further information added once they are fully processed – how long does it usually take for the transaction to be fully processed? What type of further information is added?

    • NAB says:

      Hi Shari, once the merchant completes the transaction on their side – further information may be added; eg; merchant name ^LB

  18. Ajit says:

    Hi there,

    I want to know if iSaver account is requred to operate a NAB Classic Banking account online. Currently I have both but woul like to close iSaver and keep NAB Classic Banking account.

  19. Charlene says:

    Hi,I have a nab debit card and I was wondering if I debit cash from a non nab atm machine when should it show on my account summary and does it go by eastern state time?


  20. Joshua Whelan says:

    Hi, when doing a funds transfer to a friend, I accidentally misspelled their surname. Assuming account number and BSB were both correct, should it still go through fine?

    • NAB says:

      Hi Joshua, your funds transfer should still go through as we do not check whether the account name matches the BSB and/or account number ^DH

  21. Sam says:


    I have a transaction account and an iSaver account, and I have a periodic funds transfer set up to go from the saver to the transaction account fortnightly. I was wondering how I go about cancelling that periodic transfer – I can’t seem to find an obvious solution online!


    • NAB says:

      Hi Sam, you can cancel a periodic payment by locating the payment in your Payment List and clicking on the Cancel button ^DH

      • Cheryl says:

        Hi I’ve tried to cancel my periodic rent payments and cancelled the next one showing on the Payment List, but does that cancel all future payments?
        I’ve spent 3/4 hour trying to find where i can totally cancel any further payments and nowhere is it clear how to do this! I can modify the payment schedule but cant delete the schedule anywhere.
        I would suggest there should be a way to access the payment schedule setup and cancel that and know that no further payments will be made.

        Please advise ASAP!

        • NAB says:

          Hi Cheryl, to cancel periodic payments via internet banking. Simply select ‘Payment list’ under the ‘Funds transfer tab’, search for the period payment you want to cancel. To the far right side you’ll see a section for ‘Action’, you can either Modify or Cancel the payment. If you select ‘Cancel’ this will terminate the periodic payment completely ^VN

  22. Sally^ says:

    I just wanted to know how I can move money from my iSaver to my Classic account?

    • NAB says:

      Hi Sally,

      You can transfer funds between your accounts via Telephone or Internet Banking and in person at a branch.

      If you know your NAB ID number (usually located at the back of any of your NAB cards), you can call us on 132265 Mon-Fri 8am-7pm and Sat-Sun 9am-6pm AEDT/AEST and we’ll be able to set you up with both!

      If you need further assistance, please send us an email at and we’ll be in touch ^SN

  23. Vanessa Hernandez says:

    Hi there,

    I just wanted to know how long will the money be transferred from a NAB BUSINESS ACCOUNT to another bank in Australia?



  24. Mary says:

    I was just enquiring are your account numbers only one digit different at the same branch ? I have transferred money where the last number of the account number is incorrect . I am wondering if the payment will be automatically returned?

    • NAB says:

      Hi Mary, if a payment is made to an account number that doesn’t exist or is a closed account the funds will return to the sender in 24 – 48hrs. If the funds aren’t credit back to the account within this time we can lodge a dispute on your behalf – if you need to do this just give us a call on 132265 ^TC

  25. Petra kaa says:

    Hi there I am getting paid from my work for the first time into my nab account how long will it take to go into my account thanks

    • NAB says:

      Hi Petra. It will depend on who your employer banks with as to when you will receive your pay into your account. If they bank with NAB and process payroll before 6pm on a business day, you should receive funds the next business day. Otherwise you will need to contact your employer.^MP

    • NAB says:

      Hi Petra,

      It depends on a couple of factors such as which financial institution your employer does their banking with.

      If your employer banks with NAB also, the time the transfers were submitted and whether your pay was processed as a single transfer or part of a multiple transfer will also play a role.

      See here for NAB’s cut off times.

      If your employers banks with a different financial institutions, you’ll need to direct your enquiry to them ^SM

  26. Achmad Hambali says:

    Hi, my friend has transferred money from him account in Commonwealth to my NAB savings account. Is that transfer will be successful?? If fail, what happen with that money, it will return to my friend account or not ??

    • NAB says:

      If he inputted the correct BSB and account number, then the funds will be successful. Usually funds transfers to take 2-3 business days to process. If an incorrect account number or BSB was used, the money might return to his account or credit someone else’s account. In this case, he will need to contact his bank to lodge a dispute ^LB

  27. jesse says:

    I filled out a web form for an eft cash back, it wouldnt submit with the ’0′ at the beginning of my bsb number. I dropped the ’0′ and it accepted and form submitted, is this normal and correct or?? Thanks

  28. Ncik says:

    Hi. An organisation overseas has asked me if my account INAB Gold banking) will accept payments in USD. How do I find this out? Thanks.

    • NAB says:

      Hi Nick, the Gold Banking account can definitely receive funds from overseas, however these will need to be sent through via International Funds Transfer (or Telegraphic Transfer). You can also open a Foreign Currency account if you’d like – here’s for more info: ^DH

  29. Neneh says:

    I was just wondering, if you deposit money in a NAB account, does the person receive it straight away or will it still take days for them to receive it?

    • NAB says:

      Hi Neneh, if the deposit is made through a NAB Branch – it goes into their NAB account immediately. If you’re transferring it from another bank to a NAB account via internet banking, then it can take 3 business days ^LB

  30. Yudha says:

    I would like to ask you about when I can recieve money from indonesia which sent last friday around 4.00PM?

  31. hamish k says:

    I accidentally transfer money to my old cba account, which no longer exists. Will this automatically return to my nab account?

    • NAB says:

      Hi Hamish, if the account with CBA has been closed, it should return within 3-5 business days. If the funds haven’t returned in that time, you can lodge a dispute for the transfer – see here for more details on how to lodge a dispute. It might also be a good idea to speak to CBA just to check the transfer would be rejected by them, if it won’t you should lodge the dispute right away :) ^BH

  32. Chloe says:


    I was just wondering, if I close an account and someone does not realise I have changed account numbers and BSBs, and they transfer money using my old BSB and Acct number, what happens to the money?


    • NAB says:

      Hi Chloe,

      If the funds transfer is sent to a closed NAB account, we’d expect the funds to be reversed to the sender account within 3-5 business days ^SN

  33. Warwick says:

    I changed from the Bank of Qld as I was under the impression NAB gave better service to business accounts. When I was with BOQ I could transfer money instantly between my account and my sons BOQ account. 24/7. I just tried to transfer money ($1000) from my NAB to his NAB account. (same branch) it left my account but didnt reach his. I phone NAB and was told it takes 24 hours. That really sucks, It is a complete ripoff it is my money how dare they. Am I being naive here. The transfer was even during business hours. Looks like all my money goes back to Bank of Qld.

    • NAB says:

      Hi Warwick, I apologise for the frustration- unfortunately we don’t have a guaranteed immediate transfer between NAB accounts if they are not directly linked or accessible as third party. You can use the NAB Flik app which is generally a instant transfer (max $1000) ^NJ

  34. Sam says:

    i have NAB classic banking account, and my question is if i transfer my money to other bank is there any fees that i have to pay?

    • NAB says:

      Hi Sam,

      You may transfer funds from your NAB Classic Banking account via your Internet Banking for free to any other financial institution.

      International funds transfers submitted via your Internet Banking, incur a fee of $22.00 each ^SN

  35. Shrey says:

    If I don’t have a NAB account, can I still go to NAB branch and submit CBA cheque?

  36. Simon says:

    Hi, I have a direct payment fortnightly for my rent I’ve been getting a few calls saying payments are over due I was wondering if it has anything to do with the extra ’0′ that’s being added to the account number when I submit the payment

    • NAB says:

      Hi Simon, are you making the payments on the day that they are due? Please keep in mind that there are processing times – especially if you are paying from a different bank. If you need further help or us to look into it, give us a call on 13 22 65 ^DK

  37. Alexandrea Ramos says:

    I’ve just set up a new account, I transferred money into the account and I can see the new balance, but it says there is no ‘available balance’. Help me please

    • NAB says:

      Your account may not be activated for debit transactions Alexandrea, in that case, the fastest way to get your account up and running is to visit your nearest branch ^BH

  38. Ruby says:


    I try to transfer the money from my NAB acc to other Australia account but they said the other side account is incorrect … What can I do?

    • NAB says:

      Hi Ruby, if the account number you tried to transfer funds to is invalid, the funds will be returned to your account automatically in 5 business days, you’ll just need to transfer the funds again. If the funds don’t get returned, you’ll need to lodge a dispute, you can do this via Internet Banking by creating a secure message, see here for more details ^BH

  39. Nic says:

    If transferring funds between institutions will it take the same amount of time to clear if I transfer funds in person at a branch as it would via internet banking, or is it quicker?

    Thank you!

    • NAB says:

      Hi Nic, if you transfer the funds via internet banking, there’s no fee but it can take up to 48 hours for the funds to be received by the recipient. It is faster if you do it at a branch, but there are fee’s involved. See here for the fees (you’ll need to refer to section 5, Teletransfers in AUST.) ^BH

  40. Upendra says:


    I have made a transaction from NAB to Westpac with below information –

    Name – Wrong, say in place of abc I typed xyz
    BSB and A/C Number – Correct of abc account holder

    Question is – Whether transaction will successful or rejected ? If its successful then will Westpac reject the payment to abc ? What will happen ?

    Please let me know.

    Best Regards,

    • NAB says:

      Hi Upendra,

      As long as the BSB and account numbers provided on the transfer are correct, we’d generally expect the transfer to be completed ^SN

  41. Emma Lee says:

    Ive been advised that NAB ATMs and internet banking will be unavailable tomorrow morning. How am I suppose to withdraw my cash??

    • NAB says:

      Sorry for the inconvenience Emma Lee, you can either get cash out prior to the maintenance taking place, non-NAB ATM’s (which I’m sure you’d rather avoid due to fees) or you can withdraw cash with purchases ^BH

  42. Rahul says:

    Hello, I have accidentally sent payment to 8 digit account , I forgot to put last digit when I was entering recipient’s account number. what do i do now ?

    • NAB says:

      Oops, that’s no good Rahul – if the recipient bank does not have an account held with the same number, they will reject the payment and the money will be returned to you, if this hasn’t happened already, give us a call on 132265 to lodge a dispute ^JM

  43. Akhil Naseem says:

    I have just opened a basic account at NAB. I want to add a payee, but it gives me an error saying I do not have authorisation for the requested resource. How would I go about this?


    • NAB says:

      Hi Akhil,

      What type of account have you opened?

      Is it a personal account or a business account?

      I’d suggest you send through a Secure Message and the Team will investigate further for you ^SN

  44. rhie87 says:

    Hi i was wondering why when my partner transfers funds to me, even though he has a 2,500 transfer limit if he sends me any more than 300 dollars from any device it doesnt matter, it takes atleast 24 hours, and if its a friday i wont get it till the monday. It happens every time.

    • NAB says:

      Hi Rhie,

      I’m not sure if your account is also with NAB?

      Please see our cut off times here for an indication of timeframes.

      Please note there is no processing over the weekend so funds transfer submitted on a Friday, with a timeframe of 24 business hours, we’d expect they’d clear by Monday ^SN

  45. marine menage says:

    i had a commonwealth travel money card, i call to transfer my money to my nab account.
    The problem is that i send it to my previous account which i dont have anymore….

    how can i see where my money is? i received a mail saying that the transaction is succefully processed…

    Please help me

    • NAB says:

      Hi Marine, if your account has been closed the funds should bounce back to your NAB account – it’s best to contact your other financial institution to find out what will happen. If the funds haven’t been returned and haven’t arrived at the other financial institution, we can lodge a dispute and request the funds be returned ^BH

  46. Shahram says:

    Hi, I have classic banking and saver reward accounts and I just wonder how I can transfer fund from my saver reward to classic banking trough internet banking.

  47. Justin says:

    I have a NAB Buisness Card: Salary Packaging Card, how can gain my NAB ID has the card does not have the 8 to 10 numbers as other cards on the back.

    • NAB says:

      Hi Justin, the NAB ID isn’t listed on the back of the NAB Business Card – if you’re unsure of your NAB ID you will need to visit a NAB Branch to obtain one or set one up if you don’t have one at all ^TC

  48. Cindy Newsome says:

    I realise alot of people are asking how long it takes to transfer to other banking groups my mother in law sent me a transaction not yesterday but wednesday before and it still has yet to come into my commonwealth bank =/ i will be going to see my bank tomorrow but i dont know whats the hold up.

  49. Cody fenton says:

    Hi nab i would like to know how long it takes to get your money if someone tranfers it like 8pm on a Friday night

    • NAB says:

      Hi Cody,

      There are a few factors to consider.

      If the funds are being send from a NAB account, these timeframes will apply.

      If the funds are being transferred from another financial institution, you may contact them directly for their timeframes ^SN

  50. Tulips says:


    I changed my bank details with my work. I gave them the correct BSB, Account number and account name but instead of typing NAB, I accidentally typed Westpac.

    Will my pay still go through my NAB account?



  51. Kaz says:

    I’m transferring money over to a friend and although I have added her correct BSB and ACC. an extra 0 is being automatically added at the beginning of her account number, making it a total of 9 digits instead of her actual 8. Would this still be her account?

  52. William Wilkinson says:

    i made a new bank account on your app and iv transferred money into the account and it wont let me transfer the money back out? it says current balance is $**** but available says nothing?
    please help.

    • NAB says:

      Hi William,

      Did you present yourself at a NAB Branch with 100 points of ID since opening this new account?

      If not, you’ll need to do so before the new account debit block is removed ^SN

  53. Hannah says:

    Hi.. I wondered if you could help me in anyway. I recently transferred money from my English account to my nab Australian account using transfer wise but the money is not in my account and I hade proof that it has been transferred by transfer wise. I think I used my nab Id on the back of my card thinking it was my account number. If I call the bank up can this money be found?

    • NAB says:

      Hi Hannah,

      I’m sorry to hear you have not received the funds.

      You’ll need to contact Transfer Wise in relation to a funds transfer initiated on their platform ^SN

  54. Steve Joslyn says:

    I cannot see anything in the balances* column. Only in my credit card account can I see this. All of my other accounts have repeating entries of 0.00, 0.00, 0.00……. all the way down. My accounts have various amounts available, all in the black ;), and I can see the debited/credited amounts, but the balances still say 0.00

    This is a little bit annoying, and strange because when I export them to a finance manager software, it has the info. So why won’t it display all the balances?



  55. Amanda says:

    I stayed at a hotel on Saturday and they took money as a bond as said it will be returned to my account when I check out. I rang them Tuesday and they said that they had reversed the money but it hasn’t shown up in my account, how long till it will show up?

    • NAB says:

      Hi Amanda, generally when a hold is put on the funds it can take up to 5 business days for a credit card or up to 10 business days for the funds to be returned to a Visa debit card ^TC


    Sunday 6/12/2015 I transferred $660.00 into ACCOUNTN NAME A and S HUNTER BSB NO 082 710
    ACCOUNT NO 593 663 896. Left off 896 . Will this amount still go in to right account.

    • NAB says:

      Hi Maree, if the account number is incorrect two things can happen, it can bounce back to you within 24 – 48 hours or if the acc number entered does exist it will credit the account – if the funds don’t bounce back get in touch with us on 132265 and we can lodge a dispute on your behalf ^TC

  57. James says:

    When i try to transfer currency i get this message: Important Information
    You are not authorised to access the requested resource.

    • NAB says:

      Sounds odd James, without an error code I’m unable to provide specific info – if you’re doing an international transfer you’ll need to be registered for SMS Security, if you still face this issue send your details to and the team can follow up for you ^TC

  58. Dave says:

    Hi, my son transferred money from his nab account to my nab account but has put in the bsb for the Hobart branch not my local nab nab where my account was opened, all other details were correct including account number etc. Will the money go into my account or bounce back to his and how long roughly should it take? Any help would be greatly appreciated. TIA

    • NAB says:

      Hi Dave, majority of the time if it’s just the BSB that is incorrect the funds should still go through – if they bounce back it can take 1 – 3 days, if you don’t see the funds during this time get your son to call us on 132265 ^TC

  59. Adam K says:

    Hi – I’ve just sent money to my sisters St George bank everything else was correct only the BSB was 1 digit incorrect – (correct BSB was 121879) I’ve used 121789 – the NAB application on my mobile still recognised it as ST George when I entered it the first time. Will this mean that the money will still be sent successfully? or will it bounce back? Looking forward to your response. Thanks

    • NAB says:

      Hi Adam,

      You’re best to contact St George and enquire as to whether the BSB/Account number combination you’ve entered is a valid destination account at St George.

      If not, we’d expect the funds to bounce back into your account.

      If it is, the funds will clear although I cannot advise if this will be to your sister’s account or not ^SN

  60. Sophie says:

    I’ve had the same issue, just curious to know what’s happening.

  61. Raj says:


    I want to set periodic BPAY payments using my NAB Credit Card.
    Does setting BPAY payments via credit card incurs any charges ?

    • NAB says:

      Hi Raj, there is no fee for using a Bpay – it’s best to check with the company you’re paying to see if it will be considered a cash advance or purchase on your card ^TC

  62. Rita says:

    Is there any limit if I want to transfer funds via internet banking from my account to a joint account I set up with my dad ? (Both are NAB accounts)

  63. Rita says:

    I will like to transfer some funds via NAB internet banking from my personal account to my joint account I set up with my dad. Both are NaB accounts. Is there any limit? Thanks

    • NAB says:

      Hi Rita, if the account is linked in your internet banking then there is no limit – if it’s set up as 3rd party your daily transfer limit will apply ^TC

  64. Kayla says:

    I made a transfer yesterday of $150.80 and it didn’t show up in my saver account and now that $150.80 is gone
    I have canceled the transaction as the money has dissapered completely .
    What happened to my $150.80 ?

    • NAB says:

      Hi Kayla, if the account and BSB are correct the funds should appear in the account – you can view all funds transfers in your payments list on internet banking, it would be best to give us a call on 132265 so the team can look into your accounts and clarify things for you ^TC

  65. Yi says:

    Hi, I had two online transactions were failed while I purchasing online with my direct debit card, but the amount in my account was debited. I am wondering since they were failed transactions, will the money be reverted into my account?
    Thank you.

    • NAB says:

      Hi Yi, the funds can be held up to 10 business days – if the merchant don’t process the transaction within that time the funds will be released back to you ^TC

  66. Zara says:

    Hi, I transferred money into my everyday account to then transfer onto my credit card, But its saying my balance is $245 but then my available balance is $0?? and i just transferred the money. I moved overseas so I am unable to call or come into a NAB branch?
    Is the money just still pending to clear?

  67. Karol says:

    I have transferred money to an NAB account that I have just found out may be closed. How do I get the money back so I can send it to a different one?

    • NAB says:

      Hi Karol, if the funds haven’t already been returned to your account, you’ll need to lodge a dispute to recall the funds ^BH

  68. Storm Ha says:

    Hi I transferred money to someone with a wrong NAB numbers,and I’m not in Australia now,what can I do?

    • NAB says:

      Hi Storm, hopefully the funds have been returned to your your account by now but if they haven’t been you’ll need to lodge a dispute for the transaction. You can do that on internet banking, just go to ‘Settings/Mailbox’ then ‘Create secure message’ from the topic box there, there’s the option for an electronic transaction dispute ^BH

  69. Nathaniel says:

    Someone tried removing money from my account but nothing has come out. I try and see who and it says outstanding transactions. When can I see who it is. (Can you send an email to me for my reply)

    • NAB says:

      Hi Nathaniel, if you’d like to know who’s attempted to withdraw funds from your account and the transaction says ‘Outstanding Authorisation’ please give the team a call on 13 22 65 and they can look into it for you ^BH

  70. Meredith says:


    I had a bond for a holiday rental put on hold March 18th and it still hasn’t been released. Do you know when this will happen? Does it matter about the public Easter holidays?


  71. ji says:

    Where can I find the past payment, I can see the history but I want to check that which account number I ve sent to. Because, I might sent to the wrong account number. Where can i check thw details on the online banking?

    • NAB says:

      Hi Ji, you can find the details for transfers in the past 90 days on your internet banking. Just go to the ‘Payment list’ in the ‘Funds transfer’ menu ^BH

  72. Katie says:

    In payment List it shows one of my scheduled payments as “Bank to represent”. What does that mean?

  73. Courtney says:

    How do you delete a payee you don’t use anymore?

    • NAB says:

      Hi Courtney, just go to your ‘Payee list’ in the ‘Funds transfer’ menu and from there you can delete the payee ^BH

  74. Montana says:

    im using a nab debit card to recharge my phone credit but it doesn’t have the three digit number in the back. is there a number for the debit card or do they not have it

    • NAB says:

      Hi Montana, you won’t be able to use a NAB Debit card online or over the phone as it doesn’t have a CVV number – you can open a Visa Debit card and link it to your current account which will allow you to do this, to apply you can visit our website, a NAB Branch or call 132265 ^TC

  75. Bek says:

    Hi there,
    so I’ve just opened a premium credit card account and I would like to set up my internet banking so I can transfer funds from My Bank of Melbourne account into this credit account. The system is prompting me for a BSB number and account number etc. I have no details for the BSB number. I applied for the account online and therefor cannot search for the appropriate number either as I do not have details of where the account is being held? please help!!

    • NAB says:

      Hi Bek, to set up Internet Banking please click on the register button (green button on the right hand side of the page) at the following link: In regards to paying off your NAB credit card from your Bank of Melbourne account, you’ll need to use BPAY by entering biller code 1008 and your NAB credit card number as the customer reference number. If you need further assistance, please contact us on 13 22 65 from 8am-7pm Mon-Fri, or 9am-6pm on weekends (AEST/AEDT). If you’re overseas, the number to call is +61 3 8641 9083 ^DH

  76. thuc doan says:

    i’m move house i wanna know how to change the new home address online….

    • NAB says:

      Hi Thuc, to update your address you need to be registered for SMS Security and it can only be changed to an Australian address – if you go into the Settings/Mailbox tab on the full website and follow the prompts in the My Details section, if you need to ad a PO Box or overseas address you’ll need to call us on +61 3 8641 9121 ^TC

  77. thuc doan says:

    Hi..i wanna know how to change the home address online because i’m move house

    • NAB says:

      Hi Thuc, to update your address you need to be registered for SMS Security and it can only be changed to an Australian address – if you go into the Settings/Mailbox tab on the full website and follow the prompts in the My Details section, if you need to ad a PO Box or overseas address you’ll need to call us on +61 3 8641 9121 ^TC

  78. Katrina basargin says:

    My real estate banks with NAB and I need to pay a rent deposit but I only have all the card details & n umbers as my ex husband has offered to pay this one off payment

    • NAB says:

      Hi Katrina, if your real estate agent is with NAB and require a deposit, you will need to contact them to get the account number and BSB so you can do a funds transfer from your ex-husband’s account. This may also be displayed on their website – I hope this helps ^DH

  79. Laetitia says:

    hi if funds where transfered 10am friday from another babk to my nab which has been done before will it be in my bank saturday morning? thanks

    • NAB says:

      Hi Laetitia, fund transfers made between different financial institutions usually take up to 2 business days to clear – I hope this helps ^DH

  80. sacha Bricard says:

    I left australia one week ago and I transfered my money by transferwise, but I did a mistake about the payment reference and now they ask me a proof that the account of the transfer is mine. So I just need a paper or anything with my number account and my full name on the same page. But I closed my Nab account last week and I cannot acces to my account. How can I do?
    Thank you for your answer.

    • NAB says:

      Hi Sacha, do you still have access to Internet Banking? If so, please send us a secure message and we’ll provide you with a statement of the closed account with the details that you require. Here’s how use this channel: Feel free to email us at if you need further assistance ^DH

  81. Charlize says:

    Hi I just took money out but wanna put cash in but don’t have time can I send someone else to do it for me and if so want info do they need and also just say I took $1300 out but want to put $800 back in can you change it to I took $500 out not $1300. Also If I took it out from a nab arm does it show that I took money out or no

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