Information on how to terminate your National Australia Bank account.

One of the "Big Four" banks in Australia is National Australia Bank, which is also known simply as NAB. Millions of people have chosen to keep their money with them, but one constant in life is that things are always subject to change. It's possible that you'll decide you want to close your NAB accounts due to the fees, a move to a different country, or a switch to a different service. These are all valid reasons.

In this article, we will discuss the steps you need to take in order to properly close your NAB accounts, as well as the information you need to know in order to do so.

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How to terminate your account with NAB: the steps involved

It is not difficult to close your accounts with National Australia Bank; however, before you get started, there are a few things that you should make sure you have taken care of.

  • If there is still money in your account, you will be required to spend it all. This can be accomplished by taking the money out of the account, moving it to a different bank account in Australia, or transferring it to a bank account in another country. If you need to transfer money to a foreign bank, using Wise is one of the simplest and most cost-effective ways to do so.
  • There are additional services connected to your accounts that need to be terminated or moved. This includes overdrafts on credit cards, personal loans, and mortgage loans, as well as credit card payments and scheduled direct debit payments.
  • Before a NAB Classic Banking Account that is linked to an NAB iSaver account can be closed, the NAB iSaver account must first be closed.

Another thing to keep in mind is that if you close all of your accounts, you will no longer have access to the online versions of your bank statements and your banking history. Downloading a copy of any information that you want to keep using your NAB Internet Banking portal is something you should consider doing for the sake of convenience.

When you are ready to close your accounts, you have the option of doing so in person at a branch, over the phone, via the website or app, or via the telephone.

How to cancel your NAB account using the online banking system

You have the ability to close your account online using the safe platform provided by NAB Internet Banking1.

  • Sign in to your Internet Banking account with NAB.
  • To begin a private conversation, select the "Chat" icon from the toolbar.
  • In the conversation box, type "Close account."
  • Choose the option to "Talk to an Expert."

After that, you'll be connected to NAB customer service, where an agent will help you close your account if you so desire.

How to terminate your National Australia Bank account using the NAB mobile app

If you have the NAB app installed on your mobile device, you can close your account by following the steps outlined in this procedure1.

  • Launch the NAB app and sign in.
  • Proceed to the screen labeled "Accounts."
  • To use the encrypted chat service, you must first select the "Chat" icon from the menu.
  • In the conversation box, type "Close account."
  • Choose the option to "Talk to an Expert."

You will be connected with a consultant as soon as one becomes available, and that consultant will assist you in closing your account.

Telephone instructions on how to close your NAB account.

You can call National Australia Bank on 13 22 65 between certain hours Monday through Sunday to cancel your account over the phone. The hours of operation are as follows: Be sure to have your bank documents and identification ready, as the consultant will first check that you are the owner of the account. This is the first step in the verification process. After they have identified you, they will be able to offer you assistance throughout the process.

How to close your National Australia Bank account at a branch location

You are able to close your account by going into any NAB branch during the relevant business hours. First, you'll need to present some form of identification to the teller, and then they'll inquire as to the reason you're closing the account. They are also able to assist you in transferring funds to another account; however, you should be aware that there is a fee of $30 for their assistance if you are sending money to an account located outside of the country.5

How to cancel a transaction or savings account with the National Australia Bank

Any one of the aforementioned options can be utilized to successfully close both transaction and savings accounts.

How to terminate your joint account with the National Australia Bank

It is possible to close a joint account in person or over the phone, but doing so requires the approval of all account holders. This holds true even if the account was initially created as a "One-to-sign" account. The one and only exception to this rule is when the owner of the account is a minor.

Find out how to cancel your NAB credit card here.

You are able to cancel any attached NAB credit cards by calling the customer service number, going into a branch, using NAB Internet Banking, or downloading the NAB app3.

NAB Internet Banking

  • Sign in to the Internet Banking portal provided by NAB.
  • To access the encrypted chat feature, select the "Chat" icon from the menu.
  • In the chat, type "Close credit card" and hit enter.
  • Choose the option to "Talk to an Expert."


  • Sign in to the NAB app with the details you provided.
  • Proceed to the screen labeled "Accounts."
  • To access the encrypted chat feature, select the "Chat" icon from the menu.
  • In the chat, type "Close credit card" and hit enter.
  • Choose the option to "Talk to an Expert."

If you wish to cancel your credit card, you will be required to pay the outstanding balance as quickly as possible3. Up until such time as you do so, the terms and conditions of your NAB Credit Card will continue to apply. Remember that the amount that is due may include the balance on your card, any pending transactions, interest, fees, or other charges.

Do I need to go to a bank branch, or can I handle this transaction from outside the country?

To close your NAB accounts, it is not necessary for you to visit a branch in person. You are able to close your account from outside of the country. You can instead call them, use the NAB app, or access your account via NAB Internet Banking.

You can use the app or online banking if you are traveling outside of Australia, or you can call the NAB international phone number, which is 61 3 8641 9083.

Remember that the times that the NAB is open are listed in Australian Eastern Standard Time (GMT 11), which changes to Australian Eastern Daylight Time (GMT 10) when daylight savings time is in effect.

What else do I have to be aware of?

Your NAB cards will be rendered inactive as soon as your accounts have been successfully closed, at which point you are free to dispose of them.

Contacting NAB through this page will provide you with additional details.

You can receive assistance from NAB staff by getting in touch with them as follows:

  • While at a branch
  • Utilizing the private chat function available through your NAB Internet Banking
  • 24-hours a day, seven days a week on Facebook Messenger, Twitter, or WhatsApp.
  • If you are calling from outside of Australia, please dial 61 3 8641 9083. Within Australia, the number to call is 13 22 65.

Do you have to pay anything to NAB to close this account, or can you do it for free?

When you close your personal bank account with NAB, you won't be charged any of the fees that are listed in the fees schedule. If you want to transfer your funds to another account, depending on the type of account package you have, you might be required to pay a bank transfer fee.

Banks and financial services of a different variety

When you stop banking with National Australia Bank, you'll have to find a new financial institution to work with. You could consider using one of the more traditional financial institutions, such as the other three of the Big Four banks, Westpac, ANZ, or Commbank. You could also go with Wise, which is a new kind of banking that is adaptable, productive, and hassle-free all at the same time.

Create an account with Wise in a matter of minutes.

Have a look at Wise.

A multi-currency account that is both affordable and simple to operate is available through Wise. You will be provided with the details of your very own Australian Dollar account, which can be used to send money directly from your closing NAB account using a straightforward local transfer.

In addition, if you are moving to another country, already living in another country, or are making plans to travel internationally, you can use Wise to transfer Australian dollars to your new location while taking advantage of the real exchange rate and paying only a small fee.

You can determine how much you can save by sending your NAB balance overseas with Wise by using the pricing calculator that is provided below.


This publication is being made available solely for the purpose of providing information that is general in nature, and it is not intended to cover every facet of the subjects that it discusses. This is not meant to be taken as advice on which you should base your decisions. Before taking any action or deciding not to take any action on the basis of the content in this publication, you are required to seek the advice of a professional or a specialist. This publication does not constitute legal, tax, or any other kind of professional advice from TransferWise Limited or any of its affiliates. Prior results do not guarantee a similar outcome We do not represent, warrant, or guarantee, either expressly or implicitly, that the information contained in the publication is accurate, complete, or up to date.

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