NAB Limits 2026: Guide
If you need to send a payment locally or internationally, you’ll need to know the NAB transfer limit that’ll apply to make sure your transaction can go through smoothly.
This guide walks through the NAB daily transfer limit for different payment types, how you can alter your limits, and some smart alternatives, like Wise and OFX if you need to send a payment overseas which exceeds the NAB transfer limit for your account.
Quick summary: NAB limits
- NAB has various limits depending on the payment type – limits for PayID, BPAY, OSKO and Fast Payments are different to international transfer limits
- NAB limits are set to a default amount which you can often adjust if you need to, up to a maximum limit which is decided by the bank
- For overseas payments, the maximum digital limit for NAB Internet Banking is 300,000 AUD, and you can send 20,000 AUD through the NAB App. Higher payments may be available in a branch
- International transfers with NAB have no fee for digital payments, or 30 AUD for transfers you arrange in a branch – exchange rate markup fees may also apply
- You can track international payments easily in the NAB app to keep an eye on your money as it moves
NAB limits
NAB transfer money limits vary depending on the payment type, how you arrange it, and what security features you’ve enabled on your account. Here’s a summary of the key NAB limits which apply to the most common transfers you may want to make.
NAB transfer limits
| Payment type | Default limit | Maximum possible limit |
|---|---|---|
| PayID, BPAY, OSKO and Fast Payments | 2,500 AUD if you’re not registered for or exempt from SMS security
5,000 AUD with SMS security |
100,000 AUD with SMS security |
| International transfer | 5,000 AUD – registration for SMS security is mandatory | 300,000 AUD using NAB Internet Banking
20,000 through the NAB App
Higher payments may be available in branch |
*Details correct at the time of research – 12th April 2026
NAB account and card limits
There’s not usually an upper limit on the amount you can hold in a NAB account, but it’s worth checking with the bank if you’re expecting a large transfer or if you have any concerns about the balance of your account.
If you have a personal NAB Visa Debit card or an NAB Business Visa Debit card there’s a cash withdrawal limit of 2,000 AUD per card, per day which you can not increase. This is set for security reasons.
Alternatives to NAB with high limits
While NAB may allow high value payments in a branch, there are fairly low limits on digital payments. In branch payments are more costly, and can be inconvenient. This might mean you’re better off picking a different provider to manage your transfer digitally if you exceed the NAB limit for your payment type.
Here are NAB alternatives to consider, which offer high value digital payments you can send in a broad selection of currencies. Here’s a summary:
| Providers | International transfer limits | Account holding limits | Card usage limits | Withdrawing limits |
|---|---|---|---|---|
| NAB | 20,000 through the NAB App
300,000 AUD using NAB Internet Banking |
Usually unlimited | Limits may apply, depending on account type | 2,000 AUD per card, per day |
| OFX | Usually unlimited | Usually unlimited | Account owners can set card limits | Not available |
| Revolut | Limits depend on payment type and are shown in app
Wire transfers: 25,000 GBP or equivalent per 7 days |
Usually unlimited | Set a monthly limit in the Revolut app | 3,000 GBP or equivalent per day |
| Wise | Up to 5 million AUD or more depending on payment method | Usually unlimited | Limits available in app | Limits available in app |
*Details correct at the time of research – 12th April 2026
OFX
OFX is a specialist provider which offers a 24/7 phone contact option. You can send payments to 170+ countries, and there’s not usually any OFX limit on the amount you can transfer. OFX waives its transfer fee on personal payments of 10,000 AUD or more, with a fee of 15 AUD for personal payments under this amount. Business services vary, and depend on the package you sign up for.
- OFX supports personal and business payments to 170+ countries
- High value personal transfers over 10,000 AUD have no transfer fee
- Arrange your payment online, in app or by phone
| Service | Limits and fees |
|---|---|
| Outgoing international transfer limit | Usually unlimited |
| Outgoing international transfer fee | 15 AUD for personal transfers under 10,000 AUD in value
10 AUD for business payments |
| Exchange rate | OFX rate – may include a small markup |
| Incoming international transfer limit | Usually unlimited. Service available for business customers only |
| Incoming international transfer fee | 0 AUD – 5 AUD. Service available for business customers only |
*Details correct at the time of research – 12th April 2026
Revolut
Revolut Australia has several different account tiers which include personal plans with no monthly fees, and some with ongoing charges which unlock additional features. You can send payments which have variable fees depending on your plan type, and all accounts qualify for some weekday currency conversion which uses the Revolut rate without additional fees. If you convert currencies beyond your plan limit you may pay a 0.5% fair usage fee, and out of hours conversions attract a fee of 1%.
- Choose from different plans, including some which offer a discount on Revolut transfer fees
- Send to 160+ countries in 40+ currencies
- Usually no limits apply on incoming transfers
| Service | Limits and fees |
|---|---|
| Outgoing international transfer limit | Transfer limits depend on payment type
Wire transfers have a weekly limit of 25,000 GBP or the equivalent in another currency |
| Outgoing international transfer fee | When sending payments in the local currency of the country:
0.15% – variable minimum fee applies, maximum fee of 500 AUD
When sending in a currency other than the currency of the country:
Maximum charge of 4 AUD – 8 AUD flat fee
Some plans offer discounts on transfer fees |
| Exchange rate | Standard plans – weekday conversion uses the Revolut rate to plan limit, then a fair usage fee of 0.5% begins
1% out of hours fee applies |
| Incoming international transfer limit | Usually unlimited – if a limit applies based on your account type and the currency involved, you’ll see it in the app |
| Incoming international transfer fee | No Revolut fee |
*Details correct at the time of research – 12th April 2026
Wise
Wise is a provider specialist in sending international payments, and also offers ways to receive incoming payments in a selection of foreign currencies. Wise has high limits which allow you to send up to 5 million AUD per transfer, and converts your AUD to the currency required for deposit using the mid-market rate.
There’s a dedicated Wise large transfer support team on hand if you need help sending a larger payment, and you can get an automatic discount on payments of 40,000 AUD or more.
- Mid-market exchange rates and low fees for overseas payments to 140+ countries
- Discounts available when sending 40,000 AUD or more over the course of a month
- High payment limits up to 5 million AUD+ per transfer
| Service | Limits and fees |
|---|---|
| Outgoing international transfer limit | Bank transfers – up to 1.8 million AUD
Card – up to 18,000 AUD
PayID – up to 50,000 AUD
RTGS – no limit
Wise account – up to 5 million AUD |
| Outgoing international transfer fee | From [NumberWiseFee] with discounts on payments over 40,000 AUD |
| Exchange rate | Mid-market rate |
| Incoming international transfer limit | Usually unlimited – receive with local details in 8+, and with SWIFT details in 20+ currencies |
| Incoming international transfer fee | No fee to receive with local currencies
Low, fixed fees apply to receive SWIFT payments and USD wires |
*Details correct at the time of research – 12th April 2026. Check our Wise limits guide for more information
How long do large transfers take with NAB?
NAB Fast Payments to another Australian financial institution usually arrive in seconds, while standard payments not using the Fast Payments network may arrive the next day after the transfer is initiated.
NAB international transfer times are usually around 72 hours from the point of payment, but delivery times ultimately depend on a range of factors which may not be in the direct control of the bank. The recipient’s own bank processes, for example, or public holidays in the recipient’s country, may slow deliveries.
If you send your payment on a National public holiday, NSW public holiday, or a weekend it won’t start to be processed until the next working day. You can track your payment in the NAB app once it’s sent.
NAB customer support for high amount transfers
The quickest way to get help from NAB is using the NAB app. Logging into the app and following the contact process there lets you skip additional identification checks and get connected to the right team to deal with your issue quickly.
Otherwise, the general number for personal banking queries is as follows:
- Within Australia – call 13 22 65
- From overseas – call +61 3 8641 9083
NAB business limits
The limits which apply to your NAB business account may depend on the specific account type you have. You’ll have the option to set payment limits for some account users, and to increase default limits by registering for additional security steps. To learn more about the limits which are applied to your specific NAB business account, log into the NAB app or visit a branch to talk through your options in person.
Conclusion: Does NAB have limits?
NAB daily transfer limits are set to default levels for digital payments, which you may be able to increase by signing up for SMS security features. For overseas payments, the maximum digital limit for NAB Internet Banking is 300,000 AUD, and you can send 20,000 AUD through the NAB App. Higher payments may be available in a branch – but in this case you might also pay a higher overall fee.
If you need to send a high value international transfer and want to avoid needing to visit a bank branch, digital first providers like Wise and OFX can offer a streamlined, secure and easy to use service, with low fees and competitive exchange rates. Compare your options before you send your next NAB payment to see which works best for your specific needs.
NAB international transfer limits FAQs
How much can I transfer with NAB internationally online?
The maximum you can transfer with NAB internationally online using NAB Internet Banking is 300,000 AUD. You can send 20,000 AUD through the NAB App. In both cases you’ll need to register for SMS security to send your payment.
What is the maximum amount you can transfer abroad with NAB?
Digital payments with NAB are capped at 300,000 AUD. However, higher payments may be available in a branch with an extra fee.
How can I increase the NAB maximum transfer limit?
To increase the NAB maximum transfer limit you need to register for SMS security with the bank, to keep your account and transactions safe. You can then adjust your digital limits online or in the NAB app.
