Why NAB Now Pay Later is great
No interest. No fees.
Pay zero interest, late fees, Australian account or international transaction fees. NAB Now Pay Later has no hidden fees that you need to worry about.
Shop safely anywhere
Enjoy the convenience and ease of making secure online and in-store purchases with the NAB Now Pay Later card and its dynamic CVV. No minimum purchase amount.
Get your NAB Goodies
Get access to personalised cashback offers with NAB Goodies and make qualifying purchases with NAB Now Pay Later. It’s our way of saying thank you for banking with us.
Thanks to NAB Goodies
Your chance to win $3,000 cashback
Make an online eligible payment for a utilities or insurance bill and you will automatically go into the draw to win $3,000 cashback.
Competition period: Wednesday 4 December 2024 to Wednesday 12 February 2025.
Terms and conditions apply.
Existing customers
Apply directly in the NAB app. Scan the QR code to open the app and apply for NAB Now Pay Later.
Having trouble with the QR code? Make sure your NAB app is up to date, then search 'NAB Now' to get started.
New to NAB
Start your NAB Now Pay later journey by opening a NAB Classic Banking account solely in your name.
Existing customers
Open the app to apply for NAB Now Pay Later now.
Make sure you have the NAB app downloaded on your device and it's up to date
Having trouble with the app link? If your app is up to date, just search 'NAB Now' in the NAB app to get started.
New to NAB
Start your NAB Now Pay Later journey by opening a no-fee NAB Classic Banking account solely in your name.
How it works
NAB Now Pay Later is our new buy now pay later account. It's a simple way to split your everyday purchases into four instalments so you can stay in control of your cash flow.
Pay anywhere online or in-store with your digital card
To shop in-store, simply tap to pay with your digital wallet. To pay online, securely access your digital card details in the NAB app.
Get notified when it's time to make a repayment
To keep you on track, we'll send you a notification the day before your instalment is due.
Manage your repayments in the NAB app
Simply open your NAB Now Pay Later account to view and pay your instalments. We make life easy by highlighting repayments as they approach.
Make the most of NAB Now Pay Later
Manage expenses with NAB Now Pay Later
Learn how you can manage your expected and unexpected expenses with NAB Now Pay Later.
NAB Now Pay Later for travel and holidays
Find out how you can use NAB Now Pay Later for purchases when you’re travelling or on holiday.
Manage school expenses with NAB Now Pay Later
Learn how you can split school and university expenses into four simple repayments with buy now pay later.
Related products and services
Explore other options to help you with your everyday banking needs.
Savings accounts
Whatever you're saving for, our savings accounts can help get you there sooner.
Credit cards
Compare between our credit cards to find the right one for you.
Personal loans
You can use our personal loan to get the car you want, consolidate your debts or for something else, like a new motorbike, boat, or renovation.
Terms and Conditions
Apologies but the Important Information section you are trying to view is not displaying properly at the moment. Please refresh the page or try again later.
ACT Permit number TP22/00009
Full terms and conditions will be available in the NAB app when applying for NAB Now Pay Later.
Target Market Determinations for these products are available at nab.com.au/TMD.