NAB Personal Overdrafts Review & Information | Finder

NAB Personal Overdraft

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A NAB Personal Overdraft is a line of credit attached to your everyday NAB bank account.

A NAB Personal Overdraft gives you more money when you need it for everyday purchases and personal investments. An overdraft facility is linked to your NAB transaction account and can give you automatic access to credit to prevent you overdrawing your account.


Account keeping fee


ATM withdrawal fee


Overseas transaction fee

of transaction value

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Product NameNAB Personal Overdrafts
Monthly account fee$0
Card accessVisa
ATM Withdrawal Fee$0
International transaction fee3%
Monthly deposit required to waive account feeN/A
Contactless PaymentsGoogle Pay, Apple Pay, Samsung Pay, Fitbit Pay, Garmin Pay

Expert review


Review by

Alison Banney is the banking and investments editor at Finder. She has written about finance for over six years with her work featured on sites including Yahoo Finance, Money Magazine and Dynamic Business.

Expert review

This feature is ideal if you’re a freelancer or contract worker with an inconsistent pay cycle. Simply repay the funds you draw on when you do get paid.

Key features

Personal use

The NAB Personal Overdraft can be used for everyday personal expenses, it's not restricted for business use.

Unsecured credit

A NAB Personal Overdraft is an unsecured line of credit.

How to apply

Click 'apply' to start the online application for a NAB Personal Overdraft account. When you click 'apply' you will be directed to the NAB website. The application can be completed in 10 minutes. Before you apply, check your eligibility for a NAB Personal Overdraft below.


  • Minimum age. You must be 18 years of age or older.
  • Personal applications. You can not apply for this account in the name of a company, business or a trust.

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    Default Gravatar
    October 2, 2017

    Can I get a overstuft can being on a life pension and Bank with nab for over 15 years and have no regular payment only permanent and have had small over drafts before that were repaid I have assets in the value of possibly hundreds off thousands dollars that i can deposit into nab Bank staff for safety

      Default Gravatar
      October 3, 2017


      Thank you for reaching out to finder.

      Yes, you may apply for a NAB Personal Overdraft.

      Please note that among the eligibility requirements are the following:

      – Eligible account. You must already hold a NAB Classic Banking, Retirement, Investment Cash Manager or Gold Banking — Private account to apply for a NAB Personal Overdraft.
      – Assets and liabilities. You may enter information about your assets such as your home or vehicles and any liabilities you hold like non-NAB loans or credit cards.

      Once you submit an application, NAB will contact you on the email you provided soon after you submit your application for this account. If you are approved for a Personal Overdraft, the funds will become available within 3 – 4 business days.

      Hope this helped.


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