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Product Comparison Table - Features and Benefits

This table is a summary of key features and benefits of NAB Personal Transaction and Savings accounts listed in this document . Additional information about the features and benefits is set out in the terms and conditions in each part of this document.

Key Information

NAB eBanking

NAB Classic Banking

NAB Gold Banking¹

NAB Concession Card Account

NAB Clear Banking

NAB Retirement Account

NAB Smart Junior Saver

NAB Smart Reward Saver

NAB iSaver²

NAB Passbook Account

NAB Passbook No-Interest Account

NAB FlexiPlus Mortgage Account

NAB Home Equity Line of Credit Account

Account Access

At call

yes

yes

yes

yes

yes

yes

yes

yes

yes

yes

yes

yes

yes

ATM

yes

yes

yes

yes

yes

yes

X

X

X

X

X

yes

yes

EFTPOS

yes

yes

yes

yes

yes

yes

X

X

X

X

X

yes

yes

Visa Debit

yes

yes

yes

X

X

yes

X

X

X

X

X

X

X

Internet Banking

yes

yes

yes

yes

yes

yes

yes

yes

yes

³

yes

⁴

yes

⁴

yes

yes

Telephone Banking

yes

yes

yes

yes

yes

yes

yes

yes

yes

³

yes

⁴

yes

⁴

yes

yes

Periodical Payments

yes

yes

yes

yes

yes

yes

yes

yes

X

yes

yes

yes

yes

Direct Debit (Refer to Part A clause 7.2)

yes

yes

yes

yes

yes

yes

yes

yes

X

yes

yes

yes

yes

Chequebook option (Refer to Part A clause 1.7)

yes

yes

yes

X

X

yes

X

X

X

X

X

yes

X

Returns

Interest Calculated

Daily

Daily

Daily

X

X

Daily

Daily

Daily

Daily

Daily

X

Daily

Daily

Paid

Quarterly

Quarterly

Quarterly

X

X

Quarterly

Monthly

Monthly

Monthly

Quarterly

X

Quarterly

Quarterly

Fee Structure

See NAB’s brochure ‘A Guide to Fees and Charges – Personal Banking Fees’ for full details of the fee structure for each account

Account Features

Minimum account balance

X

X

X

X

X

X

X

X

X

X

X

X

X

Eligibility criteria

X

X

X

yes

X

yes

yes

X

X

X

X

yes

yes

Statements

yes

yes

yes

yes

yes

yes

yes

yes

yes

X

X

yes

yes

Passbook

X

X

X

X

X

X

X

X

X

yes

yes

X

X

Link to NAB Loan Trimmer (Refer to Part A clause 6)

X

X

X

X

X

X

X

X

X

yes

yes

X

X

Link to NAB 100% Offset Arrangement (Refer to Part A clause 6)

yes

yes

yes

X

X

yes

X

yes

X

yes

X

X

X

Link to overdraft facility

yes

yes

yes

X

X

yes

X

X

X

X

X

X

X

For further information refer to Part A Account terms and conditions clause No:

1

1

1

1

1

1

2

2

2

1

1

1

1

NAB Visa Debit card⁵

yes

yes

yes

X

X

yes

X

X

X

X

X

X

X

NAB Debit card

yes

yes

yes

yes

yes

yes

X

X

X

X

X

yes

yes

NAB Personal Credit Card / Velocity NAB Business Card / NAB Business Access Card

yes

yes

yes

yes

yes

yes

X

X

X

X

X

yes

yes

This includes transaction accounts that form part of a NAB Choice or NAB Private Tailored package
Only available to customers with an eligible NAB transaction account as specified in clause 2.4 of the terms and conditions in Part A
Transactions only available to and from an eligible NAB account. Refer to clause 2.4 of these terms and conditions.
Limited use: balance enquiry, transaction history and deposit transactions only.
Refer to Part C – NAB Visa Debit card terms and conditions.