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What NAB really charges to exchange money

NAB's applied rates and published fees, verified against its own public sources and regenerated daily. Updated: 2026-08-28.

Applied rates

NAB has no live verifiable rates in our sources right now; its published pricing is below.

Published card fee

3.50%
Foreign-transaction fee · visa card · verified 2026-07-23
Banks here price cards at the Visa/Mastercard scheme rate. We do not publish a figure until the schemes issue us production credentials.

By published card fee, NAB ranks #14 of 14 banks open to new customers that we track in Australia today.

Today's cheapest alternative

AMP Bank publishes the lowest card fee in Australia today: 0% (vs NAB's 3.5%). See its page →

Where these numbers come from

Card: the ECB reference rate plus the bank's published margin. Transfers: no published data.

Compare NAB with every bank in the country on the daily Australia table, check what each card charges, or price what your money is worth abroad.

Frequently asked questions

What exchange rate does NAB use?

NAB prices card payments via the ECB reference rate plus the bank's published margin. Rates on this page are indicative, derived from published data, and regenerate daily.

What does NAB charge for card payments abroad?

NAB publishes a 3.5% foreign-transaction fee on card payments, verified 2026-07-23.

Is there a cheaper bank than NAB in Australia?

Yes — as of today, AMP Bank publishes the lowest card fee (0%) among banks open to new customers that we track in Australia.

Rates shown are indicative, derived from each bank's publicly published data, and may differ from the final rate applied at transaction time. MyRate FX is independent and not affiliated with any listed bank. No bank pays for position; sponsored links are labeled and never alter ordering.