The smart way to spend with an 86 400 Spend account

• fee-free banking, including no international transaction fees

• instant access to Google Pay™

• a bright, aqua Visa Debit card in the mail

• fee-free ATM withdrawals at over 10,000 ATMs in Australia

• access to BPAY, Samsung Pay, Fitbit Pay and Garmin Pay

• transfer money instantly using PayID and Osko

• set up regular payments

For full product info, check out 86400.com.au/spend/

The smart way to save with an 86 400 Save account

• easily earn great base and bonus interest rates on up to three Save accounts

• withdraw money at any time without affecting your bonus rate

• pay or set up direct debits straight from your Save account.

For full product info check out 86400.com.au/save/

Got a partner-in-finance? Check out our shared Spend and Save accounts after you've both signed up to 86 400!

Total visibility of your money and simple insights to stay in control

• stay on top of your bills and avoid late fees with automatic predictions of your regular payments and reminders for infrequent bills

• easily visualise your money in and out along with your total savings growth

• keep up to date with push notifications for money in and out as well as other handy banking insights

• connect your accounts from over 100 other banks and providers to view your balances and transactions, and even search across your connected accounts in the 86 400 app.

Own your home sooner

• get competitive interest rates and low fees on purchases and refinances

• enjoy fast decisions and a stress-free application process with almost no paperwork

• make the most of great features across fixed and variable loans, including fee-free redraws and 100% interest offset (variable only)

Find the home loan that's right for you at 86400.com.au/home-loans

Pretty smart, right? And that's just the beginning. Check out our public roadmap at 86400.com.au/roadmap for what's coming next.

Start taking control of your money. Download the app now and get started in under 2 minutes.

Products are operated by 86 400 and issued by NAB.

As part of the NAB Group and with state of the art security and technology, your money is safe with us.

We’re open to all Australian citizens and permanent residents aged 16 or older, with at least one form of ID (Australian driver licence, passport, Medicare card or birth certificate).

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This is general info and doesn't take your personal situation into account, so please take the time to make sure it’s right for you.

Find the 86 400 General Terms at 86400.com.au/static/86-400-General-Terms.pdf

Find the 86 400 Target Market Determinations at 86400.com.au/target-market-determinations

Credit criteria, fees and charges apply. Based on 86 400's credit criteria, residential lending is not available for non-Australian resident borrowers.

86 400 Ltd ABN 13 621 804 813, part of the NAB Group (National Australia Bank Ltd ABN 12 004 044 937 AFSL and Australian credit licence 230686).