Maximise your offset account
Whether you already have a property portfolio or you’re looking to extend, an offset account can help you save money and reduce the life of your loan.
An offset account links a transaction account to your variable rate home loan, reducing the interest you pay. The more money in your offset account, the less interest you pay on your home loan. It also provides flexibility, with access to your money at any time, just like a transaction account.
By keeping as much money as possible in your offset account, such as depositing your salary and leveraging your NAB credit card's interest-free days, you can maximise your savings. Plus, you could get even more back by using credit cards with rewards points that you redeem for gift cards, cashback and more.
To get started, your dedicated team of Premier Banking experts are here to help.
We know your time is valuable, so we’ve made it easier to contact us using the safe and secure ‘Call us’ feature in the NAB mobile app.
What is an offset account?
Learn what an offset account is and how you can get the most out of it.
The difference between redraw and offset
Compare a redraw facility with an offset account and find out what sets them apart.
Add, change or remove offset accounts
Follow these simple instructions to add an account or change your offset account using the NAB app.
Boost your savings
Saving is easier when you have a goal in mind. It might be a holiday, an investment property, or extra funds.
Tools like My Goals in the NAB app and bucketing – where you set up multiple bank accounts for specific purposes, like that summer getaway – can be great ways to track your progress.
Take some of the stress away by automating your savings with regular transfers to your savings account. That way, you consistently put money aside without thinking about it. Pair this with a NAB bonus interest account to really boost your savings.
To free up extra money, track your spending, cancel any unnecessary subscriptions, and look for discounts, deals and specials on everyday expenses.
As an NAB Premier Banking customer, our expert team of bankers can help you get the most out of your banking.
Small changes can make a big difference in reaching your savings goals.
How to bucket your money and save
Bucketing is a smart way to manage your money and help you reach your financial goals.
Money saving tips to reach your goals
From budgets and bills to credit cards with rewards, these are our tips to help you save.
Set and track your savings goals online
Spending is a free online expense tracker that helps you to better manage your money.
Invest and trade
Smart strategies and making the most of your investments are the key to growing your wealth.
Equities and investment lending may offer strong growth potential, making them ideal for investors seeking higher returns. They provide liquidity and may give you a tax advantage. While they carry more risk, they could help maximise long-term gains.
For wholesaler investors, Capital Raising and Tailored Equity Solutions can give you an edge with flexibility and greater portfolio diversity. Wholesale investors also gain a strategic advantage with access to more sophisticated investment solutions, insights and specialist support.
If you’re looking for a tax-effective investment , negative gearing is a popular strategy for people wanting to invest in property while reducing tax. It can be more expensive than other investment strategies at the start, but the idea is that property values will rise over time, resulting in capital gains.
And don’t forget your super fund – it can be a simple way to take advantage of tax benefits while building your retirement savings.
Before investing, you should seek expert advice to help create a plan that fits your goals. NAB Private Wealth can help you make the most of your investment with market insights, dedicated specialists to help support your decisions, and exception service that adapts to you.
nabtrade investments , opens in new window
NAB's online trading platform. With one account, you can access a world of investment opportunities, including shares, ETFs and bonds.
Investment solutions
Whether you’re planning to invest or already have a diverse portfolio, enhance your wealth, preserve your future and make your mark.
Tax-effective investment ideas
Learn about investment options to help you at tax time.
Contact us
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Book an appointment
You can also use the NAB Premier booking tool to make an appointment to speak to a specialist when it’s convenient for you.
Terms and Conditions
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Target Market Determinations for these products are available at nab.com.au/TMD.
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 services. 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. Services issued by NAB.
nabtrade is the information, trading and settlement service provided by WealthHub Securities Limited (ABN 83 089 718 249, AFSL No. 230704). WealthHub Securities is a Market Participant of under the ASIC Market Integrity Rules and a wholly owned subsidiary of National Australia Bank Limited (ABN 12 004 044 937, AFSL No. 230686 (NAB)). NAB doesn’t guarantee its subsidiaries’ obligations or performance, or the products or services its subsidiaries offer.