Using your credit card to get to all your accounts

If you have a NAB credit card and a NAB everyday account, you’ve got more than one NAB card. Add in a joint account (which comes with a card of its own), home loan, or an investment account and you can have a lot of banking to manage, and to fit into your wallet.

Right now your credit card probably only lets you use the “credit” button when you’re shopping or using an ATM. Did you know that you can link your other accounts to your credit card, and get to them through the “cheque” and “savings” options?

By making your accounts and cards work together you can reduce the number of cards you carry around, have fewer PINs to remember, survive more easily if you lose a card, and access more of your money each day.

Similarly, you can also use your debit card to access multiple accounts.

Choose your own PINs

The first way to make your cards easier to use is to choose your own four-digit PIN. You can do this at any NAB ATM. (This has to be a NAB ATM, not an ATM from another bank or network.)

Use your credit card and PIN to get to your everyday account

Let’s start with the two cards you’re most likely to keep side-by-side. Your debit card lets you into your everyday account to spend your own money, while your credit card gives you access to more credit on top of that.

On a day out shopping you might put a new TV on your credit card in the morning, get cash out from an ATM to pick up some lunch after that, and then use EFTPOS to grab a few groceries on your way home. You’re using both your cards during the day, and choosing to use either credit or your own money however suits you.

But rather than shuffling cards while you shop, linking your everyday account to your credit card lets you use the same card and the same PIN for all of this. The “savings” or “cheque” buttons let you into your everyday account through EFTPOS or ATMs so you can spend or withdraw your own money. And when you press “credit” you’re still using your credit card as usual.

It can be a good idea to leave your debit card at home as a back-up in case you ever lose your credit card or wallet. When you do use it, it will work just like it always has.

To link your everyday account to your credit card, contact NAB.

Access more of your money each day

When you use your card to access your everyday account, there’s a daily limit that restricts the amount you can spend or withdraw. But by linking your everyday account to another card, you give yourself another daily limit. See our post about daily limits, and ways to get around them.

Still like your Visa Debit card? It works just like it always has

A Visa Debit card still uses your own money from your everyday bank account just like a debit card. When you shop with it the “credit” button works wherever Visa is accepted.

If you have a Visa Debit card, there could be some times when you still want to shop with it. That’s no problem: even though you’ve linked your everyday account to your credit card, you can still use your debit card just like you always have.

Maybe you’re in the habit of pressing “credit” with your Visa Debit card and getting purchase protection insurance¹  for your new TV, or using the “credit” button to get around your usual daily limit. These are times when you need your actual Visa Debit card with you.

You might find, though, that your credit card can do similar things (but of course you won’t be using your own money). Our credit card comparison table shows you the extras that you can get with your card.

Link up to six accounts to your credit card

It’s useful having access to two accounts through your credit card, but you can do even more. Depending on the exact accounts you have, you can get as many as six accounts linked to it.

One card, one PIN, three EFTPOS options

Depending on what you’re buying, you might want to use your credit card – say, for a big purchase that you want to earn rewards on – your own money, or money from a joint account.

With the “cheque”, “savings” and “credit” options on EFTPOS machines, you can use a single credit card to choose between three different accounts. It’s the same PIN for whichever account you use.

All you need to do is call us and link these accounts to your card.

You can even pay off your home loan at NAB ATMs

While EFTPOS limits you to three account options on a single card, you can add another three accounts to access through NAB ATMs. This gives you a total of six accounts on one card with one PIN. (At non-NAB ATMs you’ll only have access to the three options that you have at EFTPOS machines.)

There are some accounts that you probably don’t want to get to while you’re shopping, but do want to see at an ATM. How about seeing your home loan balance, for example, and being able to transfer money into it?

When you’re at any NAB ATM you’ll see all six accounts and be able to transfer funds between all of them. You can also take your choice when you withdraw cash, too. (Remember that some transfers and withdrawals, like taking money out from your credit card, can cost you fees or interest.)

Lost your wallet or debit card? Linking accounts can help

It can be surprising how frustrating it is to lose your card or wallet. You might not even realise how much you use your card until you have to go a few days without it. Tell us as soon as possible, and we’ll cancel your lost card and get a replacement out to you as fast as we can.

With your everyday account linked to your credit card, you can stop carrying your debit card with you every day. Leave it at home, separate from your wallet, and it can be your emergency back-up when you need it. While you’re waiting for your replacement credit card to arrive you’ll at least have access to your everyday account.

You can even set up new links between your cards and accounts after you’ve lost a card. If you know where your credit card is, but not your debit card, ask us to link your everyday account to your credit card when you call us about your lost card.

When would you want all your accounts on one card?

Some people love seeing all their accounts on one ATM screen, and some prefer being able to shop from three different accounts with only one card and PIN. What would you find most useful about having all your accounts on a single card? Leave us a comment and let us know.

Related links:

Credit card finder

1. This is only a brief summary of the benefits and exclusions may apply. Purchase Protection Insurance for NAB Visa Debit card is issued by Chubb Insurance Company of Australia Limited (Chubb), ABN 69 003 710 647, AFSL No. 239778 of Level 29, Citigroup Centre, Park Street, Sydney, New South Wales 2000. The terms, conditions and exclusions of Purchase Protection Insurance are specified in the NAB Purchase Protection Insurance policy document information booklet and may be amended.

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debit card January 21, 2012 at 8:59 pm

NAB card is very useful for easy, time saving and safe accessing of multiple accounts in a simple way.


david March 5, 2012 at 9:24 pm

received visa debit, how do I put this card on my internet list, with other accounts
no where on the help section


NAB March 6, 2012 at 2:24 pm

Hi David, you can modify your account access within internet banking. I’ll also send an email from and have our team follow up directly, thanks! ^AB


kath May 4, 2012 at 7:49 am

can we use our 55 day low fee credit card overseas, we do not have another account with nab


NAB May 4, 2012 at 3:08 pm

Hi Kath, you can use your Low Fee Credit Card anywhere MasterCard® or Visa is accepted globally. We also have travel tips available and more suggestions online for customers accessing their cash when travelling. Hope that helps! ^AB


Wal June 14, 2012 at 8:40 pm

My visa card does not work with any other option besides credit, I only found out today at woolworths because they do not have a credit option for my card. What a pain, if the lazy teller would have told me a week ago when I opened my account I would have never switched banks. I had specifically told him I wanted a chequeing account. I know mine isn’t because even the atm says no chequeing accounts are linked. Horrible service, I would avoid the Fremantle branch.


Zeb June 17, 2012 at 10:29 am

if i have a credit card which is also linked to one other everyday transaction account and i use my card over the Internet for purchase, which account the money is going to be deducted from????


NAB June 18, 2012 at 11:36 am

Hi Zeb, if your card is issued as a Visa Credit Card then the Credit account will be the default account accessed when entering the details online. If I can help further, feel free to email us at, thanks! ^AB


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