Understanding your business credit card statements

Business credit card statements explained

NAB will provide you with three distinct types of statements each month to help you reconcile all purchases and activity from your business credit card facility. Understanding these statements is key to maintaining accurate financial records and managing your business expenses.

Facility statement

Your facility statement summarises any amounts owing, the payment due date, including any minimum required amount, as well as any fees and charges incurred (if any) at a facility level. It will also summarise each cardholders card activity, including cardholder limit, credits (payments), debits (purchases or cash advances), and any interest or other charges. 

Cardholder summary statement

You’ll also receive a cardholder summary statement, which provides a brief summary of each cardholder’s transaction history so you can easily identify and reconcile cardholder spend against your facility statement.

Cardholder statement

This statement includes detailed purchase information, payment information, and any fees or interest charged to a specific cardholder. It provides valuable insight into spending patterns, identifying any unauthorised transactions that may be associated with it.

Learn more about managing your business credit card (PDF, 683KB), opens in new window.