Interest rates for business banking
Fees and charges for business banking
Questions, feedback and disputes about fees
Indicator rates for business lending
Business finance
Customer Margin may apply.
| Business options prime | 7.60% p.a. |
|---|---|
| Business overdraft prime | 10.47% p.a. |
| QuickBiz overdraft prime | 8.87% p.a. |
| Farmer's choice prime | 9.47% p.a. |
| Farm Prime | 9.47% p.a. |
| Benchmark rate | 10.47% p.a. |
| Base rate | 10.47% p.a. |
Business lending rate View Disclaimer 1
| 30 day rate | 6.26% p.a. |
|---|---|
| 60 day rate | 6.12% p.a. |
| 90 day rate | 6.03% p.a. |
| 180 day rate |
5.99% p.a. |
Invoice Finance and Corporate Receivable Finance facilities indicator rates
Monday, 3 March 2025
| Invoice Finance Indicator rate | 9.64% p.a.View Disclaimer 2 |
|---|---|
| Receivable Finance Indicator rate | 6.29% p.a.View Disclaimer 2 |
Corporate Markets Loan Reset Margin
| Pricing Periods of less than 3 months | 0.10%View Disclaimer 3 |
|---|---|
| Pricing Periods of 3 months or greater | 0.00%View Disclaimer 3 |
Equipment finance
| Equipment finance margin | 0.49% p.aView Disclaimer 4 |
|---|
Business credit cards
| NAB Rewards Business Signature Card | Purchase 18.50% p.a. Cash advance 21.74% p.a. |
|---|---|
| NAB Qantas Business Signature Card | Purchase 18.50% p.a. Cash advance 21.74% p.a |
| Purchasing / Corporate Card | 12.65% p.a. |
| Business Card | Purchase 15.50% p.a. Cash advance 15.50% p.a. |
| NAB Low Rate Business Card | Facilities established after 28/03/2014 Purchase 13.25% p.a. |
Interest rates for products no longer for sale
Business mortgage
| Instalment loan / fully drawn advanceView Disclaimer 5 | 8.88% p.a. |
|---|---|
| OverdraftView Disclaimer 5 | 10.47% p.a. |
Commercial mortgage
| Farmer's Choice Variable Rate | 9.47% p.a. |
|---|---|
| Business Options Residential | 8.95% p.a. |
| Business Options Commercial | 9.90% p.a. |
| Business Overdraft Residential |
10.47% p.a. |
| Business Overdraft Commercial |
10.47% p.a. |
| Term base rate |
10.73% p.a. |
Commercial cards
| Velocity NAB Business American Express ® Card | Purchase 18.50% p.a. Cash advance 21.74% p.a |
|---|---|
| NAB Qantas Business Card | Purchase 18.50% p.a. Cash advance 21.74% p.a. |
| NAB Business Payments Card | Purchase 15.50% p.a. Cash advance 15.50% p.a. |
Get in touch
Contact us
Explore our business banking contact information and get support with a wide range of products, services and topics.
Visit a NAB branch
Our business bankers are located all around Australia.
Terms and Conditions
- Disclaimer 1
Customer Margin may apply.
These interest rates are indicative and are subject to change on a daily basis. Rates are linked to the “bid rate” quoted on the “BBSY” page of the Thomson Reuters Screen (or any replacement Thomson Reuters page which displays that rate) on 21 March 2025 and NAB's minimum return margin for the tenor of the Pricing Period. Different minimum return margins apply to different Pricing Periods. Details of current rates available on request. These rates are current as of 21 March 2025. For details of rates that apply on any other date please contact NAB.
- Disclaimer 2
These rates are current as at the 1st of every month for that month. For full pricing details, please consult your invoice finance or corporate receivable finance facility agreement.
- Disclaimer 3
Reset Margins effective as at Wednesday, 1 February 2023.
- Disclaimer 4
This margin is effective Monday, 11 November 2019 and is subject to change. Full details and relevant terms and conditions are available on application.
- Disclaimer 5
Rates apply whilst qualifying criteria met otherwise Base Rate/Term Base Rate is the applicable indicator rate.
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® Registered Trade Mark of American Express Company.
All rates and underwriting fees are effective, 24 March 2025 and are subject to change at any time.
To find out more, visit nab.com.au, call into a NAB branch, or call 13 10 12. Fees and charges apply.
Full details of these and relevant terms and conditions are available on application.