Before you start

There’s just one thing to be aware of – you’ll need to be registered for SMS Security to activate your card and set your PIN via the NAB app and NAB Internet Banking.

The easiest way to activate and set your PIN

You can easily activate your new card in the NAB app or NAB Internet Banking. Learn how to activate a card and set your PIN using our handy guide.

Find easy ways to manage your cards online. 

Frequently asked questions

  • It only takes a few minutes to activate your card and set your PIN. Once you’ve completed the process, you can start using your card straight away.

  • You should activate your card as soon as you receive it, even if you don’t use it very often.

  • At the end of the activation process, you’ll receive a message, ‘Your card has been successfully activated’, which means your card is ready to go. If you don’t receive this message, please call 13 22 65  or visit your nearest NAB branch.

  • To change your PIN on any personal or business NAB debit card or NAB credit card, simply login to the NAB app or NAB Internet Banking. Go to Cards, select the relevant card then select Change your PIN. To use this option, you’ll need to be registered for NAB SMS Security. You can also call us on 13 22 65 or visit your nearest NAB branch for more options.  

  • So far, we have introduced this enhanced security functionality to personal NAB debit cards, NAB Platinum debit cards and NAB credit cards. In future this functionality may also be extended to our other NAB cards.

  • Yes, you can use the NAB app or NAB Internet banking. To use these options, you will need to be able to receive a security code on your mobile phone so you will need to be registered for NAB SMS Security. For this, you will need to have your phone on global roaming while overseas. If you can’t activate using these channels, you can call us on  +61 3 8641 9083. 

  • If you don’t activate your card, you won’t be able to use it. However, if you have a compatible iPhone or Android™ phone and want to make contactless payments using your NAB credit or NAB debit card, you can use your mobile device to make contactless payments. Read more about Digital Payments. For payments $100 or over, you'll need to enter your PIN. If you don’t have a PIN, you can set one by going to the NAB app or NAB Internet Banking Cards > Select your card > Change your PIN. You will need to have SMS Security set up before you do this.

  • You can activate your NAB credit or debit cards via SMS if it’s new, a replacement card or if you’ve moved to another type of card.

  • Yes, additional cardholders will need to activate their own card.

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Terms and Conditions

Consider the NAB Internet Banking terms and conditions which apply when using NAB Internet Banking and the NAB app, before making any decisions regarding these products. The NAB app is compatible with Android™ and iOS, minimum platform requirements apply. Android is a trademark of Google LLC. IOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license. Products issued by NAB.