Things to know about PayTo

  • PayTo is built into the NAB app and NAB Internet Banking. There’s no need to download or sign up for any additional apps.
  • To use PayTo, you'll need an eligible account. You can set up PayTo agreements with your BSB and account number or PayID ®.
  • You can only authorise agreements to be debited from eligible NAB everyday personal transaction or savings accounts.

How to authorise a PayTo agreement

NAB app

Instructions for mobile devices

  1. Log into the NAB app and tap More for iOS (or the Menu icon if using Android).

  2. Tap Payments.

  3. Tap PayTo Agreements.

  4. In the list, select the applicable PayTo agreement.

  5. Review the particulars of the agreement.

  6. Navigate to the bottom of the Agreement details to find the two options, Decline or Authorise.

  7. Tap Authorise if you agree with the terms of the agreement.

  8. In the pop up, tap Authorise to reconfirm.

  9. If asked, enter the verification code sent to your mobile device.

  10. Your PayTo agreement is now active.

NAB Internet Banking

Instructions for web browsers

  1. Log into NAB Internet Banking with your 8 to 10-digit NAB ID and password.

  2. Select Transfer & Pay in the top menu.

  3. Select PayTo Agreements.

  4. In the list, select the applicable PayTo agreement.

  5. Review the particulars of the agreement.

  6. Navigate to the bottom of the Agreement details to find the two options, Decline or Authorise.

  7. Tap Authorise if you agree with the terms of the agreement.

  8. In the pop up, tap Authorise to reconfirm.

  9. If asked, enter the verification code sent to your mobile device.

  10. Your PayTo agreement is now active.

How to decline your PayTo agreement

NAB app

Instructions for mobile devices

  1. Log into the NAB app and tap More for iOS (or the Menu icon if using Android).

  2. Tap Payments.

  3. Tap PayTo Agreements.

  4. In the list, select the applicable PayTo agreement.

  5. Review the particulars of the agreement.

  6. Navigate to the bottom of the Agreement details to find the two options, Decline or Authorise.

  7. Tap Decline.

  8. Review the Decline information presented in the pop up.

  9. If you’re sure, select a reason for declining from the drop-down list.

  10. Tap Decline.

  11. Your PayTo agreement has been declined and will show a status of Cancelled.

NAB Internet Banking

Instructions for web browsers

  1. Log into NAB Internet Banking with your 8 to 10-digit NAB ID and password.

  2. Select Transfer & Pay in the top menu.

  3. Select PayTo Agreements.

  4. In the list, select the applicable PayTo agreement.

  5. Review the particulars of the agreement.

  6. Navigate to the bottom of the Agreement details to find the two options, Decline or Authorise.

  7. Tap Decline.

  8. Review the Decline information presented in the pop up.

  9. If you’re sure, select a reason for declining from the drop-down list.

  10. Tap Decline.

  11. Your PayTo agreement has been declined and will show a status of Cancelled.

How to cancel your PayTo agreement

NAB app

Instructions for mobile devices

  1. Log into the NAB app and tap More for iOS (or the Menu icon if using Android).

  2. Tap Payments.

  3. Tap PayTo Agreements.

  4. In the list, select the applicable PayTo agreement.

  5. Navigate to the bottom of the Agreement details.

  6. Tap Cancel PayTo Agreement.

  7. Review Things to Consider and What happens if I cancel.

  8. If you’re sure, tap I understand.

  9. In the pop up, tap Cancel Agreement.

  10. Your PayTo agreement has been cancelled.

NAB Internet Banking

Instructions for web browsers

  1. Log into NAB Internet Banking with your 8 to 10-digit NAB ID and password.

  2. Select Transfer & Pay in the top menu.

  3. Select PayTo Agreements.

  4. In the list, select the applicable PayTo agreement.

  5. Navigate to the bottom of the Agreement details.

  6. Tap Cancel PayTo Agreement.

  7. Review Things to Consider and What happens if I cancel.

  8. If you’re sure, tick I understand.

  9. In the pop up, tap Cancel Agreement.

  10. Your PayTo agreement has been cancelled.

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Terms and Conditions

These products are issued by National Australia Bank Limited.

NAB recommends you consider the  NAB Internet Banking terms and conditions document, before making any decisions regarding this product.

The NAB Mobile Banking app is compatible with Android and iOS, minimum platform requirements apply. Android is a trademark of Google LLC. The Google Logo is a registered trademark of Google Inc. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license.

PayID® is a registered trademark of NPP Australia Limited.