Standard Daily ATM Limits
For most personal NAB Visa Debit and credit card holders, the standard daily cash withdrawal limit at an ATM is $2,000 per card. This limit is designed to help protect your accounts from unauthorized access and covers both cash taken out at an ATM and any extra cash requested during an EFTPOS transaction.
This $2,000 daily limit is a standard security measure across most NAB card products. Because this limit is in place to safeguard your funds, it cannot be increased. If you require a larger amount of cash than the daily limit allows, you may need to visit a branch during business hours to make a withdrawal over the counter.
Key Information and Requirements
| Category | Details |
|---|---|
| Standard ATM Limit | $2,000 per card, per day. |
| What it covers | ATM withdrawals and extra cash taken via EFTPOS. |
| Increasing the Limit | Not possible; the $2,000 limit is fixed for security. |
| Requirements | Active NAB card and your current Personal Identification Number (PIN). |
Step-by-Step Guide to Withdrawing Cash
Withdrawing cash from a NAB ATM is a straightforward process. Here is the typical flow to follow.
- Insert your physical NAB card into the ATM or tap your card or digital wallet on the contactless reader.
- Enter your four-digit PIN when prompted on the screen.
- Select your preferred account type—usually 'Savings' or 'Cheque'. Choosing 'Credit' may incur additional fees depending on your card type.
- Enter the amount you wish to withdraw, ensuring it is within your daily $2,000 limit.
- Collect your cash and your card once the transaction is complete.
Troubleshooting Withdrawal Issues
If you are unable to withdraw the cash you need, consider these common issues and how to resolve them.
MFA / Login Issues
- Cause: If you are using a digital wallet to withdraw cash, you may be failing authentication if your device's security or app is not updated.
- Simple Fix: Ensure your digital wallet is correctly linked to your NAB card and your device has a working screen lock/biometric authentication.
- Fallback Action: If you cannot use your digital wallet, use your physical card and PIN at the ATM.
Browser or App Errors
- Cause: While ATM withdrawals don't use browsers, the "Card Controls" in your app might be blocking cash withdrawals.
- Simple Fix: Log into the NAB app, go to 'Cards', and check 'Usage controls' to ensure ATM withdrawals are enabled.
- Fallback Action: If you cannot change settings, call the support line to have a consultant check for any blocks on your card.
Locked Account / ID / Access Issues
- Cause: Entering an incorrect PIN three times will automatically lock your card to prevent potential fraudulent use.
- Simple Fix: Log into the NAB app or internet banking and reset your card PIN under the 'Cards' menu.
- Fallback Action: If the card remains locked or is retained by the ATM, contact NAB on 1800 036 066 immediately for assistance.
Pro-Tip: If you know you will need more than $2,000 in cash, consider visiting a local branch during operating hours. A banker can assist with larger, secure withdrawals over the counter, provided you have valid identification and sufficient funds in your account.
Frequently Asked Questions
Q: Can I change my daily ATM withdrawal limit?
No, the $2,000 daily withdrawal limit is a fixed security feature on NAB cards and cannot be modified. The bank's system logic maintains this cap to limit potential losses if a card is lost or stolen. One exception is that you can still access larger sums of money by visiting a branch to make an over-the-counter withdrawal. Your practical next step is to use the branch locator on the NAB website to find a location where you can access your funds in person.
Q: I need more cash for a large purchase; what are my options?
If your purchase amount exceeds the $2,000 daily limit, an ATM withdrawal is not the most efficient or secure method. In practice, most large merchants and property settlements prefer direct electronic transfers or bank cheques, which do not carry the same risks as carrying large volumes of physical cash. One limitation is that a teller withdrawal may also have specific transaction limits depending on branch cash availability. Your practical next step is to call your local branch 24 hours in advance to request a large cash withdrawal, or ask the recipient if they accept a bank cheque or electronic transfer.
