Using your credit card to get to all your accounts

Posted in Banking tips


If you have a NAB credit card and a NAB everyday account, you’ve got more than one NAB card. Add in a joint account (which comes with a card of its own), home loan, or an investment account and you can have a lot of banking to manage, and to fit into your wallet.

Right now your credit card probably only lets you use the “credit” button when you’re shopping or using an ATM. Did you know that you can link your other accounts to your credit card, and get to them through the “cheque” and “savings” options?

By making your accounts and cards work together you can reduce the number of cards you carry around, have fewer PINs to remember, survive more easily if you lose a card, and access more of your money each day.

Similarly, you can also use your debit card to access multiple accounts.

Choose your own PINs

The first way to make your cards easier to use is to choose your own four-digit PIN. You can do this at any NAB ATM. (This has to be a NAB ATM, not an ATM from another bank or network.)

Use your credit card and PIN to get to your everyday account

Let’s start with the two cards you’re most likely to keep side-by-side. Your debit card lets you into your everyday account to spend your own money, while your credit card gives you access to more credit on top of that.

On a day out shopping you might put a new TV on your credit card in the morning, get cash out from an ATM to pick up some lunch after that, and then use EFTPOS to grab a few groceries on your way home. You’re using both your cards during the day, and choosing to use either credit or your own money however suits you.

But rather than shuffling cards while you shop, linking your everyday account to your credit card lets you use the same card and the same PIN for all of this. The “savings” or “cheque” buttons let you into your everyday account through EFTPOS or ATMs so you can spend or withdraw your own money. And when you press “credit” you’re still using your credit card as usual.

It can be a good idea to leave your debit card at home as a back-up in case you ever lose your credit card or wallet. When you do use it, it will work just like it always has.

To link your everyday account to your credit card, contact NAB.

Access more of your money each day

When you use your card to access your everyday account, there’s a daily limit that restricts the amount you can spend or withdraw. But by linking your everyday account to another card, you give yourself another daily limit. See our post about daily limits, and ways to get around them.

Still like your Visa Debit card? It works just like it always has

A Visa Debit card still uses your own money from your everyday bank account just like a debit card. When you shop with it the “credit” button works wherever Visa is accepted.

If you have a Visa Debit card, there could be some times when you still want to shop with it. That’s no problem: even though you’ve linked your everyday account to your credit card, you can still use your debit card just like you always have.

Maybe you’re in the habit of pressing “credit” with your Visa Debit card and getting purchase protection insurance¹  for your new TV, or using the “credit” button to get around your usual daily limit. These are times when you need your actual Visa Debit card with you.

You might find, though, that your credit card can do similar things (but of course you won’t be using your own money). Our credit card comparison table shows you the extras that you can get with your card.

Link up to six accounts to your credit card

It’s useful having access to two accounts through your credit card, but you can do even more. Depending on the exact accounts you have, you can get as many as six accounts linked to it.

One card, one PIN, three EFTPOS options

Depending on what you’re buying, you might want to use your credit card – say, for a big purchase that you want to earn rewards on – your own money, or money from a joint account.

With the “cheque”, “savings” and “credit” options on EFTPOS machines, you can use a single credit card to choose between three different accounts. It’s the same PIN for whichever account you use.

All you need to do is call us and link these accounts to your card.

You can even pay off your home loan at NAB ATMs

While EFTPOS limits you to three account options on a single card, you can add another three accounts to access through NAB ATMs. This gives you a total of six accounts on one card with one PIN. (At non-NAB ATMs you’ll only have access to the three options that you have at EFTPOS machines.)

There are some accounts that you probably don’t want to get to while you’re shopping, but do want to see at an ATM. How about seeing your home loan balance, for example, and being able to transfer money into it?

When you’re at any NAB ATM you’ll see all six accounts and be able to transfer funds between all of them. You can also take your choice when you withdraw cash, too. (Remember that some transfers and withdrawals, like taking money out from your credit card, can cost you fees or interest.)

Lost your wallet or debit card? Linking accounts can help

It can be surprising how frustrating it is to lose your card or wallet. You might not even realise how much you use your card until you have to go a few days without it. Tell us as soon as possible, and we’ll cancel your lost card and get a replacement out to you as fast as we can.

With your everyday account linked to your credit card, you can stop carrying your debit card with you every day. Leave it at home, separate from your wallet, and it can be your emergency back-up when you need it. While you’re waiting for your replacement credit card to arrive you’ll at least have access to your everyday account.

You can even set up new links between your cards and accounts after you’ve lost a card. If you know where your credit card is, but not your debit card, ask us to link your everyday account to your credit card when you call us about your lost card.

When would you want all your accounts on one card?

Some people love seeing all their accounts on one ATM screen, and some prefer being able to shop from three different accounts with only one card and PIN. What would you find most useful about having all your accounts on a single card? Leave us a comment and let us know.

Related links:

Credit card selector

1. This is only a brief summary of the benefits and exclusions may apply. Purchase Protection Insurance for NAB Visa Debit card is issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 to NAB. Access to the benefit of cover under the Purchase Protection Insurance is provided to eligible NAB cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth).   The terms, conditions and exclusions are specified in the NAB Purchase Protection Insurance Policy Information booklet and may be amended.

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44 Responses to Using your credit card to get to all your accounts

  1. debit card says:

    NAB card is very useful for easy, time saving and safe accessing of multiple accounts in a simple way.

  2. david says:

    received visa debit, how do I put this card on my internet list, with other accounts
    no where on the help section

  3. kath says:

    can we use our 55 day low fee credit card overseas, we do not have another account with nab

  4. Wal says:

    My visa card does not work with any other option besides credit, I only found out today at woolworths because they do not have a credit option for my card. What a pain, if the lazy teller would have told me a week ago when I opened my account I would have never switched banks. I had specifically told him I wanted a chequeing account. I know mine isn’t because even the atm says no chequeing accounts are linked. Horrible service, I would avoid the Fremantle branch.

  5. Zeb says:

    if i have a credit card which is also linked to one other everyday transaction account and i use my card over the Internet for purchase, which account the money is going to be deducted from????

    • NAB says:

      Hi Zeb, if your card is issued as a Visa Credit Card then the Credit account will be the default account accessed when entering the details online. If I can help further, feel free to email us at, thanks! ^AB

  6. auto title loans says:

    I just read your article on Using your credit card to get to all your accounts and want to thank you for it.

  7. Nami says:

    How should I apply for a new visa debit card as I lost mine?

  8. Brenda says:

    if my credit card account is in credit and I withdraw funds, still keeping it in credit, do fees/interest charges apply?

    • NAB says:

      Hi Brenda, in this case interest wouldn’t apply, however the minimum fee of $1.75 would (rather than the full cash advance fee of 1.75% of the transaction amount).

      To transfer any credit balance out of your credit card account, you will need to follow the instructions below to ensure you are only charged the minimum fee:

      1. You must initiate the transfer at least one business day after you have transferred funds into your credit card, placing your account in credit

      2. The day you transfer the credit balance out of your credit card, you must leave a credit balance of at least $1.75 (to cover the minimum fee)

      3. If you have any transactions in the ‘Purchase Authorisation’ stage on your credit card, you must leave your account in credit by the Purchase Authorisation amount plus $1.75 (in case the purchase authorisation is processed that night)

      4. You can not make any other transactions on the day you transfer the credit balance out of your credit card

      5. You must ensure all transactions that you are expecting to be charged on your account have been processed (so you can be sure the merchant will not process your transaction that evening)

      If you have any further questions, please feel free to send them to ^AS

      • Sunil says:


        Regarding ‘credit card account is in credit and I withdraw funds, still keeping it in credit’, you have mentioned ‘minimum fee of $1.75′. So how does this fee vary and on what basis? Does this fee go up depending on the amount that I transfer? May I get the details please?

        • NAB says:

          Hi Sunil, just like spending on your credit card account, you can also use your credit card to get a cash advance. There are several ways you can do this, each with different fees:

          - NAB Internet Banking (1.75% of cash advance amount, Minimum Fee $1.75)
          - NAB Telephone Banking (1.75% of cash advance amount, Minimum Fee $1.75)
          - NAB ATM
          - Non-NAB ATMs (within Australia)
          - Overseas ATMs
          - NAB Branch
          - Travelex/ Australia Post (Bank@Post) outlets
          - Non-NAB branches

          You’ll be charged a percentage of the Cash Advance (in Australian dollars) or the minimum fee ($1.75), whichever is greater ^LB

  9. Stuart says:

    Can I use my Visa credit card which has my cheque account linked to it to withdraw funds from overseas ATMs. In particular I am traveling to Japan shortly

    • NAB says:

      Hi Stuart,

      if your cheque account is linked to your Visa card at the moment, it remains linked when you’re overseas.

      Note however, that ATMs in some countries will not give you the option to select “savings” or “cheque”and will default instead to withdraw funds from your credit card. Then your attempted withdrawal is actually a cash advance. Cash advances are quite expensive as they incur a fee and the interest rate applied to them is most often higher than the interest rate applied to purchases. And, unlike purchase interest, there’s usually no interest-free period. The interest starts being calculated from the day you make a cash advance.

      You might be best to purchase a NAB Traveller Card and pre-load it with Japanese Yen. This way, there will be no further fees from NAB when using your card overseas. Also,have a read through our suggestions on ways to access your money when travelling by clicking here.

      If you plan to use your Visa, or any of your NAB cards, whilst overseas it is best to notify us by lodging an overseas travel notification. Best way to do that would be to send through a secure message via your Internet Banking advising of your departure and arrival dates, the countries you will be visiting and of a valid contact number for yourself.

      Alternatively, send through an email to and I’ll have the team follow through ^SN

  10. Jinny says:

    can I get my new debit card in other country?
    My card will expire on this month.

    • NAB says:

      Hi Jinny, if your current location is listed as your mailing address on file then a replacement card will be automatically sent to this address close to expiry. However if your mailing address does not reflect your current location overseas you will need to update this by giving us a call on +61 3 86419083 Mon-Fri 8am-7pm (AEST/AEDT) , Sat-Sun 9am-6pm (AEST/AEDT). Please note that you will need to remain at that address for the next 15-20 business days for the delivery of the card ^TC

  11. mohammad reza says:

    hi, can you help me?
    i’m from persia. me & my co-worker wants to present this card to many people in persia
    i searching about that but i can’t find anything bout price of one card!
    can you tell me price of that?
    (really i’m sorry, i cant speak & write english well)

    • NAB says:

      Hi Mohammad, each card has a yearly annual card fee which differs card to card – you can find all the details on our website for different credit card types and the fees involved, I’ve included this link for you ^TC

  12. Jaroslav says:

    Can I use my Visa debit card to withdraw money overseas? In the case I can, do I need to tell the bank that I will be withdrawing money overseas, so my account is not locked (a suspicious activity)?

    • NAB says:

      Hi Jaroslav, you can definitely use your visa debit card whilst overseas. It would be best if you can notify us of your travel details, to do this. Please contact us on 13 22 65 from 8am-7pm Mon-Fri, or 9am-6pm on weekends (AEST/AEDT) ^VN

  13. Katie says:

    I am required to be overseas for work purposes at short notice, I was not able to get in contact with NAB before I arrive to notify them. Will my NAB Visa card still work for me overseas without notifying NAB? Is there an email address I can contact, as I have no phone access?

    • NAB says:

      Hi Katie,

      Thanks for getting in touch with your enquiry.

      Please send a Secure Message via your Internet Banking with the following information:

      - Your ‘from’ and ‘to’ dates of travel
      - The names of all the countries you might be using your NAB card(s) in
      - A number you can be reached on whilst overseas
      - If you plan to use your NAB card(s) for any large (> $500.00) transactions on non-travel related expenses.

      Once the Team receives your message, an overseas travel notification will be lodged on your behalf thus alerting our Card Security Team that you will be using your cards overseas ^SN

  14. Anita V says:

    I have a visa debit card linked to my everyday savings account and have recently had fraudulent transactions on it. I’ve got a replacement card, but in worried it can happen again as the card is linked to my savings. Is there a way that if it ever happened again they cannot access the funds from the linked account? Can I unlink the account but still transfer between accounts? Thanks

    • NAB says:

      Hi Anita, sorry to hear someone used your card fraudulently – as the Visa Debit card is used to access your savings account, you would need to visit your branch to cancel the card if you no longer wish to have it ^RG

  15. Anthony says:

    I have a question: can I access /view my current credit card statement anytime online (not my previous credit card statement)or do I need to wait till the monthly statement is mailed to my home address?

    • NAB says:

      Hi Anthony, you won’t be able to view a ‘statement’ as it won’t be finalised until your last statement date – however, you can view your transaction history for the account within your Internet Banking – for further help give the team a call on 13 22 65 ^DK

  16. Jackie mcKay says:

    Hi NAB,

    I am overseas (USA) and wish to use my NAB Visa card.
    One purchase I tried to make was declined.

    • NAB says:

      Hi Jackie,

      I’m sorry to hear your transaction was declined.

      It could simply be failed communications between the banks.

      Did you advise NAB of you overseas travels and intention to use your NAB cards overseas?

      If not, your card might have been blocked because of that.

      Please contact us on +61 3 8641 9083 Mon-Fri 8am-7pm and Sat-Sun 9am-6pm (Sydney/Melbourne times) for further assistance ^SN

  17. pipi says:

    Hi, I’m wondering with my visa debit, usually I can “owe” the bank maximum of $50 if I’m out of money in my savings account (I only have savings account). But just few weeks now that I can’t sort of “debit” this $50 anymore. I’m a student and sometimes I ran out of money and it was sooo awesome that I can at least get a “loan” of $50 from NAB. Although the $50 maximum is only if I use internet/paywave transaction. I can’t withdraw from ATM.
    Can you please tell me what’s going on? I mean the $50 is a lifesaver for me each week. Please help me

    • NAB says:

      Hi Pipi,

      When a transaction is initiated, NAB will make a decision as to whether to allow the transaction to go through. In most situations, the system will allow the account to be overdrawn. Over time, ie if your account is overdrawn often, this function may be removed. It’s a system generated decision.

      If you find you need to, you may want to consider applying for an overdraft on your account. You can do this by calling us on 13 13 12 Mon-Fri 8am-8pm and Sat- Sun 9am-6pm AEST ^SN

      • meg says:

        Hi, also in regards to this situation – when the account linked to the Visa debit card is in debit (overdrawn) is there a time limit to how long it can be in debit before interest is charged? If so, how long and at what interest rate will it be charged? Thank you

        • NAB says:

          Hi Meg, interest is calculated daily and charged to a Classic Banking account every quarter. Rates are indicative and subject to change but as at 18/01/2016 the debit interest rate on a Classic Banking account is 15.76%pa ^BH

  18. tan says:

    Hi, I have a visa debit card if I preas savings and withdraw $1000 can I then withdraw another $1000 by pressing credit?

    • NAB says:

      Hi Tan,

      If your card’s daily limit is $1,000.00, this limit applies to ATM withdrawals whichever option you select.

      You may still access your funds for purchases however by selecting ‘Savings’ or ‘Credit’ as there is no daily limit for Point of Sale transactions ^SN

  19. mercy says:

    Hi,just want to ask a question, can someone use her Access credit card to withdraw form the ATM?

    • NAB says:

      Hi Mercy, yes they can – if they’re having trouble using the card, it’s best to call the team on 13 22 65 and they can look in to it ^BH

  20. NED says:

    I may have to put a block on my atm card as the newly issued one has not arrived in the mail. I am currently overseas and will therefore not have access to money. Can I still transfer funds to my credit card by phone or internet banking if the account is blocked so that I can get money at the atm with my credit card until my new card arrives?

    • NAB says:

      You can still transfer the money Ned, but if you’re withdrawing the funds from a credit card, cash advance fees may apply – if you haven’t spoken with anyone about this yet, please send an email through to and I’ll see how I can help ^BH

  21. NED says:

    Can i still transfer funds within internet banking from an account that has been blocked due to lost card?

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