{
  "source": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/f5fe3ee4-b6c0-4419-975f-8ce5469f2ba3",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "f5fe3ee4-b6c0-4419-975f-8ce5469f2ba3",
    "lastUpdated": "2026-01-06T13:59:59Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "NAB Classic Banking",
    "description": "Meet your everyday bank account. Easy access to your money everyday with no monthly account or overdrawn fee.",
    "brand": "NAB",
    "applicationUri": "https://www.nab.com.au/common/forms/account-card-application#?products=nab-classic-banking-account&own_cid=18152-1",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.nab.com.au/personal/accounts/transaction-accounts/nab-classic-banking",
      "termsUri": "https://www.nab.com.au/personal/help-and-guidance/terms-and-conditions-for-personal-products/personal-transaction-and-savings-products",
      "eligibilityUri": "https://www.nab.com.au/personal/help-and-guidance/terms-and-conditions-for-personal-products/personal-transaction-and-savings-products#parta4",
      "feesAndPricingUri": "https://www.nab.com.au/personal/help-and-guidance/terms-and-conditions-for-personal-products/personal-transaction-and-savings-products#parta12"
    },
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "imageUri": "https://share.google/images/6TnXKbyjA2NmZ6iRJ"
      }
    ],
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "NAB Visa Debit Card; NAB Platinum Visa Debit Card",
        "additionalInfoUri": "https://www.nab.com.au/important-information/personal/transaction-savings-terms-conditions"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfoUri": "https://www.nab.com.au/important-information/personal/transaction-savings-terms-conditions"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfoUri": "https://www.nab.com.au/important-information/personal/transaction-savings-terms-conditions"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay",
        "additionalInfoUri": "https://www.nab.com.au/important-information/personal/transaction-savings-terms-conditions"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Garmin Pay",
        "additionalInfoUri": "https://www.nab.com.au/important-information/personal/transaction-savings-terms-conditions"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfoUri": "https://www.nab.com.au/important-information/personal/transaction-savings-terms-conditions"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfoUri": "https://www.nab.com.au/important-information/personal/transaction-savings-terms-conditions"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfoUri": "https://www.nab.com.au/important-information/personal/transaction-savings-terms-conditions"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfoUri": "https://www.nab.com.au/important-information/personal/transaction-savings-terms-conditions"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "Bpay",
        "additionalInfoUri": "https://www.nab.com.au/important-information/personal/transaction-savings-terms-conditions"
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalInfoUri": "https://www.nab.com.au/important-information/personal/transaction-savings-terms-conditions"
      },
      {
        "featureType": "CASHBACK_OFFER",
        "additionalInfoUri": "https://www.nab.com.au/important-information/personal/transaction-savings-terms-conditions"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfoUri": "https://www.nab.com.au/important-information/personal/transaction-savings-terms-conditions"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "If a NAB Visa Debit card is linked, purchase protection insurance is available. \r\nIf a NAB Platinum Visa Debit card is linked, complimentary insurance is available.",
        "additionalInfoUri": "https://www.nab.com.au/important-information/personal/transaction-savings-terms-conditions"
      },
      {
        "featureType": "FUNDS_AVAILABLE_AFTER",
        "additionalValue": "P12M"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "A copy of your Visa or VEVO printout evidencing Visa entitlement and status required for all non-resident customers"
      }
    ],
    "fees": [
      {
        "name": "Monthly Account Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfoUri": "https://www.nab.com.au/personal/accounts/transaction-accounts/nab-classic-banking"
      },
      {
        "name": "Overdrawn Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.nab.com.au/personal/accounts/transaction-accounts/nab-classic-banking"
      },
      {
        "name": "Monthly Card Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "if platinum debit card active",
        "additionalInfoUri": "https://www.nab.com.au/important-information/personal/fees-charges"
      },
      {
        "name": "International transaction single currency",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.035"
        },
        "currency": "AUD",
        "additionalInfo": "Yes, if a standard visa debit card is linked\r\nIf a platinum visa debit card is linked - fee is charged for ATM cash withdrawals only",
        "additionalInfoUri": "https://www.nab.com.au/important-information/personal/fees-charges"
      },
      {
        "name": "International transaction multi currency",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.035"
        },
        "currency": "AUD",
        "additionalInfo": "Yes, if a standard visa debit card is linked\r\nIf a platinum visa debit card is linked - fee is charged for ATM cash withdrawals only",
        "additionalInfoUri": "https://www.nab.com.au/important-information/personal/fees-charges"
      },
      {
        "name": "Balance enquiry (Overseas ATM)",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "currency": "AUD",
        "additionalInfo": "Section 2 - Service Fees\r\nAccount Related Services\r\nOverseas access",
        "additionalInfoUri": "https://www.nab.com.au/important-information/personal/fees-charges"
      },
      {
        "name": "ATM cash withdrawal fee (Overseas)",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Section 2 - Service Fees\r\nAccount Related Services\r\nOverseas access",
        "additionalInfoUri": "https://www.nab.com.au/important-information/personal/fees-charges"
      },
      {
        "name": "Transaction fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.nab.com.au/personal/accounts/transaction-accounts/nab-classic-banking"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1Y",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P3M",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalValue": "N/A",
            "additionalInfo": "Not applicable"
          }
        ],
        "additionalInfoUri": "https://www.nab.com.au/personal/interest-rates-fees-and-charges/indicator-rates-deposit-products"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "PENALTY",
        "rate": "0.2",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalValue": "N/A",
            "additionalInfo": "Not applicable"
          }
        ],
        "additionalValue": "Not applicable of repaymentType and loanPurpose",
        "additionalInfo": "Default interest"
      }
    ]
  }
}