National Australia Bank
Every product National Australia Bank publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 13 Oct 2026.
- Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder, one cap shared with UBank under the same banking licence. Who shares a cap
- Australian credit licence and AFS licence 230686, held by National Australia Bank Limited; credit licence since 1 January 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
35 products in 8 categories
National Australia Bank's rates today
National Australia Bank's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.
Where National Australia Bank sits among every institution's best
| Rate | National Australia Bank | Best anywhere | Typical institution |
|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.44%NAB Tailored Home Loan | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.92%NAB Tailored Home Loan | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions |
| Savings accountBase plus any bonus, when its conditions are met | 5.50%NAB iSaver | 5.75%Defence Bank Limited's iSaver | 4.85%of 73 institutions |
| 12-month term depositBest rate for a 12-month term | 5.30%NAB Term Deposit | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| Personal loanLowest advertised rate, fixed or variable, leaving out car loans | 7.50%NAB Personal Loan | 5.80%Plenti Personal Loan | 7.96%of 68 institutions |
| Credit card purchase rateOngoing purchase rate, not introductory offers | 13.99%NAB Low Rate Card | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions |
| Business savings accountEach institution's best interest-paying business account, base plus any bonus | 0.05%NAB Business Interest Account | 5.40%Great Southern Bank Business+'s Business+ Saver | 0.55%of 34 institutions |
| Business overdraftLowest advertised rate; most are variable | 10.97%NAB Business Overdraft | 8.24%IMB Bank's Commercial Credit line | 10.06%of 12 institutions |
| Business loanLowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower | 8.10%NAB Business Options Loan | 6.33%SCCU's BUSINESS LOAN | 7.89%of 47 institutions |
| Business credit card purchase rateOngoing purchase rate, not introductory offers | 13.99%NAB Low Rate Business Card | 6.96%Greater Bank's Business Visa Credit Card | 13.49%of 14 institutions |
National Australia Bank home loan repayments
Repayments at National Australia Bank's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.
- VariableNAB Tailored Home Loan6.44%6.57% comparison$3,769a month
$756,755 in interest, $1,356,755 repaid in all
- 1-year fixedNAB Tailored Home Loan6.79%7.32% comparison$3,908a month
$806,720 in interest, $1,406,720 repaid in all
- 2-year fixedNAB Tailored Home Loan6.81%7.28% comparison$3,916a month
$809,598 in interest, $1,409,598 repaid in all
- 3-year fixedNAB Tailored Home Loan6.92%7.27% comparison$3,960a month
$825,467 in interest, $1,425,467 repaid in all
- 5-year fixedNAB Tailored Home Loan6.94%7.23% comparison$3,968a month
$828,360 in interest, $1,428,360 repaid in all
- Investor variableNAB Tailored Home Loan6.55%6.68% comparison$3,812a month
$772,377 in interest, $1,372,377 repaid in all
Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not National Australia Bank's own calculator: confirm the rate with National Australia Bank before you apply.
National Australia Bank home loan rates
Compare across banks4 products
Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.44%, with a comparison rate of 6.57%, on its NAB Tailored Home Loan: 60th lowest of 104 lenders, level with 5 others.
- NAB Base Variable Rate Home Loan
- Variable (owner occ. P&I)
- 6.69%, 6.69% comparison
- Variable (investor P&I)
- 7.21%
- Max LVR
- 95%
- NAB Defence Force Home Loan
- Variable (owner occ. P&I)
- 6.29%, 6.42% comparison
- Fixed
- 1 yr 6.79%, 2 yrs 6.81%, 3 yrs 6.92%, 4 yrs 6.92%, 5 yrs 6.94%
- Max LVR
- 95%
- NAB FlexiPlus Mortgage
- Max LVR
- 80%
- NAB Tailored Home Loan
- Variable (owner occ. P&I)
- 6.29%, 6.42% comparison
- Variable (investor P&I)
- 6.45%
- Fixed
- 1 yr 6.79%, 2 yrs 6.81%, 3 yrs 6.92%, 4 yrs 6.92%, 5 yrs 6.94%
National Australia Bank savings and transaction account rates
Compare across banks11 products
Its highest savings rate is up to 5.50% (1.85% base plus a 3.65% bonus when its conditions are met), on its NAB iSaver: 7th highest of 84 institutions, level with 2 others.
- NAB Business Cash Maximiser
- Base rate
- 0.00%
- NAB Business Everyday Account ($0 Monthly Fee Option)
- NAB Business Everyday Account ($10 Monthly Fee Option)
- Monthly fee
- $10
- NAB Business Interest Account
- Base rate
- 0.05%
- Monthly fee
- $10
- NAB Cash Manager
- Base rate
- 0.50%
- NAB Classic Banking
- Base rate
- 0.00%
- Monthly fee
- $0
- NAB Community Fee Saver
- NAB iSaver
- Base rate
- 1.85%
- Bonus rate
- 3.65%
- Up to
- 5.50%
- NAB Queensland Project Trust AccountsPriced on application
- Pricing
- Rates on application
- NAB Retirement Account
- Base rate
- 0.15%
- Monthly fee
- $0
- NAB Reward Saver
- Base rate
- 0.01%
- Bonus rate
- 5.24%
- Up to
- 5.25%
National Australia Bank term deposit rates
Compare across banks2 products
Its highest 12-month term deposit rate is 5.30%, on its NAB Term Deposit: 28th highest of 65 institutions, level with 14 others.
| Rate | National Australia Bank | Best anywhere | Typical institution |
|---|---|---|---|
| 6-month term depositBest rate for 6 months | 4.80%NAB Farm Management Deposit | 5.47%Heartland Bank's Broker Term Deposit | 5.10%of 63 institutions |
| 12-month term depositBest rate for 12 months | 5.30%NAB Term Deposit | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| 2-year term depositBest rate for 2 years | 5.00%NAB Farm Management Deposit | 5.60%Judo Bank's Personal Term Deposits | 4.90%of 55 institutions |
| 3-year term depositBest rate for 3 years | 3.80%NAB Term Deposit | 5.60%Judo Bank's Personal Term Deposits | 4.25%of 44 institutions |
| 5-year term depositBest rate for 5 years | 3.80%NAB Term Deposit | 5.65%Judo Bank's Personal Term Deposits | 4.00%of 27 institutions |
National Australia Bank credit card rates
Compare across banks10 products
Its lowest credit card purchase rate is 13.99%, on its NAB Low Rate Card: 35th lowest of 51 card issuers, level with 5 others.
- NAB Business Card
- Purchase rate
- 16.50%
- Cash advance
- 16.50%
- Interest-free days
- 35
- NAB Low Fee Card
- Purchase rate
- 22.49%
- Cash advance
- 22.99%
- Interest-free days
- 44
- NAB Low Rate Business Card
- Purchase rate
- 13.99%
- Cash advance
- 13.99%
- Interest-free days
- 55
- NAB Low Rate Card
- Purchase rate
- 13.99%
- Cash advance
- 22.99%
- Interest-free days
- 55
- NAB Qantas Business Signature Card
- Purchase rate
- 19.50%
- Cash advance
- 21.74%
- Interest-free days
- 44
- NAB Qantas Rewards Premium Card
- Purchase rate
- 22.49%
- Cash advance
- 22.99%
- Interest-free days
- 44
- NAB Qantas Rewards Signature Card
- Purchase rate
- 22.49%
- Cash advance
- 22.99%
- Interest-free days
- 44
- NAB Rewards Business Signature Card
- Purchase rate
- 19.50%
- Cash advance
- 21.74%
- Interest-free days
- 44
- NAB Rewards Card
- Purchase rate
- 22.49%
- Cash advance
- 22.99%
- Interest-free days
- 44
- NAB Travel Card
- Purchase rate
- 22.49%
- Cash advance
- 22.99%
- Interest-free days
- 44
National Australia Bank personal loan rates
Compare across banks2 products
Its lowest advertised personal loan rate is 7.50% fixed, with a comparison rate of 8.41%, on its NAB Personal Loan: 44th lowest of 69 lenders.
National Australia Bank business loan rates
Compare across banks2 products
Its lowest advertised business loan rate is 8.10% variable, on its NAB Business Options Loan: 33rd lowest of 49 lenders.
National Australia Bank overdraft rates
Compare across banks2 products
Its lowest advertised overdraft rate is 10.97% variable, on its NAB Business Overdraft: 19th lowest of 23 lenders.
National Australia Bank trust accounts
Compare across banks2 products
Has NAB passed on the RBA's November 2026 rate rise?
NAB hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.
Its published savings rates haven't moved since the RBA's 4 Nov 2026 rise.
Sat 10 Oct
NAB lifted 5 variable home loan rates by 0.25 percentage points.
0.25- NAB FlexiPlus Mortgage (1 rate)
- NAB Base Variable Rate Home Loan (4 rates)
NAB lifted 9 savings rates by 0.05 to 0.25 percentage points.
0.05 to 0.25- NAB Retirement Account (3 rates)
- NAB Business Interest Account (2 rates)
- NAB Reward Saver (1 rate)
- NAB iSaver (2 rates)
- NAB Business Cash Maximiser (1 rate)
Sat 3 Oct
NAB lifted 45 fixed home loan rates by 0.15 to 0.32 percentage points.
0.15 to 0.32- NAB Tailored Home Loan (40 rates)
- NAB Defence Force Home Loan (5 rates)
Fri 2 Oct
NAB lifted 6 credit card purchase rates by 0.50 to 1.50 percentage points.
0.50 to 1.50- NAB Low Rate Card (1 rate)
- NAB Qantas Rewards Premium Card (1 rate)
- NAB Qantas Rewards Signature Card (1 rate)
- NAB Rewards Card (1 rate)
- NAB Travel Card (1 rate)
- NAB Low Fee Card (1 rate)
Tue 22 Sep
NAB lifted 8 term deposit rates by 0.05 to 0.15 percentage points.
0.05 to 0.15
Fri 18 Sep
NAB lifted 45 fixed home loan rates by 0.15 percentage points.
0.15- NAB Tailored Home Loan (40 rates)
- NAB Defence Force Home Loan (5 rates)
Published by National Australia Bank under the Consumer Data Right, last changed by them on 13 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.