Personal Accounts
NBS Access Account
Open one or multiple Access accounts to manage other income or expenses.
Pictured: Max and Ruby | Nourish Nook, Westport | NBS business banking clients
In need of more accounts? Add NBS Access to manage your money
- Open one or multiple NBS Access accounts to manage other income or expenses.
- Access your funds via NBS Internet banking, the NBS Mobile Banking app or in branch.
- Enjoy the convenience of an NBS Debit Mastercard.
- Overdraft option available (subject to NBS lending criteria).
- Transactional fee exemptions may apply when depositing income.
- Transactional fee exemptions apply for clients with a NBS home loan or term investment.
- This account is eligible as part of the Depositor Compensation Scheme (DCS). Learn what other NBS accounts are eligible.
Rates and fees
| NBS Access rates | |
|---|---|
| Interest paid on credit balances under $10,000 | 0.00% p.a. |
| Interest paid on credit balances over $10,000 | 0.05% p.a. |
|
Interest rates are subject to change. |
|
| NBS Access fees | |
|---|---|
| NBS Mobile Banking app and NBS Internet Banking fee | None |
| EFTPOS withdrawal | $0.50 |
| Other bank ATM transaction fee | $1.50 |
| Electronic transactions | $0.20 |
| Staff assisted transactions | $0.50 |
|
Fees are subject to change. |
|
| NBS overdraft facility interest rates | |
|---|---|
| NBS Personal Banking interest rate | 7.59% p.a. |
| NBS Business Banking interest rate | 9.59% p.a. |
| NBS Rural Banking interest rate | 9.59% p.a. |
|
Interest rates are subject to change. |
|
| NBS overdraft fees | |
|---|---|
| Overdraft establishment fee - arranged | $100.00 |
| Overdraft facility fee (service commitment) | 0.13% of the limit per month (minimum charge $5.00) |
| Unarranged excess fee | $25.00 |
| Default interest rate | 15.50% p.a. above annual interest rate |
| Default administration fee | $45.00 per event |
| Insurance arrears payment fee | $25.00 |
| Rates arrears payment fee | $25.00 |
| Motor vehicle security variation or security swap fee | $30.00 |
|
Fees are subject to change. |
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Terms and Conditions
NBS General Terms and Conditions apply. NBS’ current Product Disclosure Statement is available free of charge at any NBS branch. Service fees may apply.