How to transfer money to someone as a one-off payment - NAB

Things to know about transferring money online

  • To transfer funds, you’ll need to be set up for SMS security.
  • You can send someone money fast when you select ‘Pay Anyone’ using either a PayID (mobile number, email or other) or BSB and account number.
  • You can also use your PayID to set up a PayTo agreement to pay bills and more.
  • Processing times for transfers will differ depending on the type of funds transfer you make.
  • Daily limits apply to some online payments and transfers.
  • Information you enter in the Description field (optional) will appear on both your statement and the payee’s statement so you can both identify what the transaction was for.
  • Be aware of scams and fraud and online safety when transferring money.
  • If you make a payment to the wrong payee, you can lodge a transaction dispute.

How to pay to a PayID

Making a one-off payment to someone using a PayID is fast and easy. Their PayID is a unique identifier, which could be their mobile number, email address or ABN.

NAB app

Instructions for mobile devices

  1. Log into the NAB app.

  2. Tap Pay.

  3. Tap Pay anyone.

  4. Tap Add new payee.

  5. Tap PayID.

  6. Choose the PayID type: Mobile, Email, ABN/ACN, Organisation ID.

  7. Enter the PayID details. 

  8. Tap Check PayID.

  9. Check the PayID name that appears to make sure you're paying the right person or business. If it’s correct, tap Next.

  10. If you plan to use this PayID again, tap Save payee.

  11. Tap Next.

  12. Enter the payment amount. Choose which account to pay from and add a reference or description if needed. Tap Next.

  13. You might get a protect yourself from scams message if your payment looks suspicious. You can review the details before you change or cancel your payment. To go ahead with your payment, tick the box to acknowledge the fraud message.

  14. Check all payment details are correct.

  15. Tap Pay now.

  16. An SMS security code will be sent to your mobile number. Enter the security code and tap Verify.

  17. Your payment has been sent. Tap Share to send the payee a copy of the receipt.

NAB Internet Banking

Instructions for web browsers

  1. Log into NAB Internet Banking with your 8 to 10-digit NAB ID and password.

  2. Select Transfer & Pay then ‘Pay anyone’ from the drop-down menu.

  3. Select the account to transfer from in the drop-down menu.

  4. Select New payee to make a payment to a PayID.

  5. Select PayID type, such as mobile, email, ABN/ACN or Org ID.

  6. Enter the relevant payment details and verify the PayID to continue.

  7. Enter the Amount, Reference (optional) and Description (optional).

  8. Select Next.

  9. You may receive a ‘protect yourself from fraud’ message if your payment has indications of a potential scam. You can review the details before you change or cancel your payment. To continue with your payment, you need to tick the box to acknowledge the fraud message.

  10. Check the funds transfer details are correct.

  11. Select Pay now.

  12. You may receive a security code via SMS or push notification.

  13. Select Submit.

  14. You have now transferred money within Australia.

  15. Save and share your payment receipt by tapping the printer icon.

Important information: Saving PayID details is only available in the NAB app. Any payees saved with PayID in the app will not sync with Internet Banking until 2027.

How to pay using a BSB and account number

If you don’t have someone’s PayID, you can still make fast and secure payments. You have the option to use a ‘saved payee’, ‘create a new payee’ or enter a BSB and account number without saving as a payee for future payments.

NAB app

Instructions for mobile devices

  1. Log into the NAB app.

  2. Tap Pay.

  3. Tap Pay anyone.

  4. Select a saved payee or tap + New payee if it’s your first time paying someone.

  5. Tap Bank account, then enter the Account name, BSB and Account number.

  6. Tap Verify account details. If the account details match, tap Next.

  7. If the account details don't match, an alert will appear. Check the details before deciding whether to cancel or continue with the payment.

  8. You can Save payee and add a nickname to make future payments quicker.

  9. Enter the payment amount. Choose which account to pay from and add a reference or description if needed.

  10. Pay when is set to today by default. To schedule a later payment, tap Pay when. Tap Next to continue.

  11. You might get a protect yourself from scams message if your payment looks suspicious. You can review the details before you change or cancel your payment. To go ahead with your payment, tick the box to acknowledge the fraud message, then tap Continue.

  12. Check all payment details are correct, then tap Pay now.

  13. An SMS security code will be sent to your mobile number. Enter the security code and tap Verify.

  14. Your payment has been sent. Tap Share to send the payee a copy of the receipt.

NAB Internet Banking

Instructions for web browsers

  1. Log into NAB Internet Banking with your 8 to 10-digit NAB ID and password.

  2. Select Transfer & Pay, then 'Pay anyone' from the drop-down menu.

  3. Select the account to transfer from in the drop-down menu.

  4. Select either Saved payee or New payee to make a payment to someone.

  5. When making a payment to a Saved payee, select a previously saved payee in the drop-down list.

  6. When making a payment to a New payee, select ‘BSB & Acc’ as the Payment type.

  7. Enter the relevant payment details and ensure the BSB is validated.

  8. Select ‘Today’ as the Pay when option.

  9. Enter the Amount, Reference (optional) and Description (optional).

  10. Select Next.

  11. You may receive a ‘protect yourself from fraud’ message if your payment has indications of a potential scam. You can review the details before you change or cancel your payment. To continue with your payment, you need to tick the box to acknowledge the fraud message.

  12. Check the funds transfer details are correct.

  13. Select Pay now.

  14. You may receive a security code via SMS or push notification.

  15. Select Submit.

  16. You have now transferred money within Australia.

  17. Save and share your payment receipt by tapping the printer icon.

Don’t have the NAB app?

Download the app today for a more convenient banking experience.

NAB Internet Banking and NAB app

PayID is a registered trademark of NPP Australia Limited.

These products are issued by National Australia Bank Limited.

NAB recommends you consider the NAB Internet Banking terms and conditions document, before making any decisions regarding this product.

The NAB Mobile Banking app is compatible with Android and iOS, minimum platform requirements apply. Android is a trademark of Google LLC. The Google Logo is a registered trademark of Google Inc. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license.