NAB Classic Banking account | Citi customers - NAB

Citi branded accounts

The following Citi branded accounts will be migrated to a NAB Classic Banking account:

  • Citibank Plus Transaction Account
  • Citicheque Account
  • Business Cheque Account
  • Citibank Relationship Banking Account
  • Citicash Account
  • Personal Banking Account
  • Citibank Offset Savings Account

Your NAB Classic Banking account fees and charges

Personal banking fees and charges will apply to your NAB Classic Banking account which includes the following overseas access fees:

Overseas access 

 NAB Visa Debit card
ATM cash withdrawal$5 per withdrawal2
Balance enquiry$1 per enquiry2
International transaction fee13.5% of the Australian dollar amount is charged when the international transaction is posted (completed) to your account2

1 International transactions refer to using your card overseas including overseas ATM cash withdrawals or, using your account in Australia but the goods or service provider (commonly referred to as a ‘merchant’), financial institution or entity processing the transaction is located outside Australia.

International transactions are either: 

– Single-currency international transaction: where the transaction is made in Australian dollars (AUD)

– Multi-currency international transaction: where the transaction is made in a currency other than Australian dollars (AUD)

2 This fee was previously waived before changes made effective 5 November 2025.

Credit interest rate on your NAB Classic Banking account

View the current applicable credit interest rates on your NAB Classic Banking account.

Your Debit interest rate

The current 'Debit interest rate', applicable to accounts overdrawn without an approved overdraft limit is 20.00%3 p.a. on your NAB Classic Banking account.

3 A Debit interest rate of 0.00% p.a. previously applied before changes were made effective 5 November 2025.

Previous variation notices about the migration to NAB

Notice of changes to your Citi branded transaction account, setting out the changes to the terms and conditions which will apply to your account.

Online banking comparison table

View key differences between Citi Online and Citi Mobile App, and NAB Internet Banking and the NAB app (PDF, 108KB).

Comparison table between Citi Mastercard and NAB Visa Debit card

View the key differences between Citi Mastercard and NAB Visa Debit card (PDF, 106KB).

View more information about your new Visa Debit card.

Important information