How do I activate my new debit card online?

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• 1CommBank rewards are only eligible at participating store locations. Check the ‘participating stores’ section of your reward on the app for more information. You must spend the required minimum amount in one transaction to be eligible for cashback.
  

  2We'll show you rewards if you have an eligible CBA credit Mastercard or debit Mastercard, Business credit Mastercards or StepPay digital card, are over 18 and have an Australian home address. We’ll stop sending you rewards if you opt out in the feature.

  3Samsung Pay and Google Pay are free to download however your mobile network provider may charge you for accessing data on your phone. 

  The target market for these products will be found within the product’s Target Market Determination, available here.

  Google Pay is currently available for Android running 5.0 (Lollipop) or higher with a Near Field Communication (NFC) antenna and Host Card Emulation (HCE) support. Full terms and conditions available on the Google Pay app. Google Pay is a trademark of Google LLC.

  Samsung Pay is available on Samsung Galaxy S6 and above, Note5, Note8, A5, A7, J5 Pro and J7 Pro phones and Samsung Gear S2 and above and Sport wearables. Full terms and conditions available on the Samsung Pay app. Samsung Pay is a trademark of Samsung Inc.

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  The advice on this website has been prepared without considering your objectives, financial situation or needs. Because of that, you should, before acting on the advice, consider its appropriateness to your circumstances. Please read our Financial Services Guide (PDF). Full terms and conditions for the transaction and savings accounts (PDF) mentioned are available here or from any CommBank branch. Full terms and conditions for Electronic Banking are available here.

  Mastercard, the Mastercard brand mark and Tap & go are registered trademarks of Mastercard International Incorporated. 

How long will it take to activate my card and when can I start using it once it’s activated?

It only takes a few minutes to activate your card and set your PIN. Once you have completed the process, you can start using your card straight away.

How much time do I have to activate my card once I’ve received it?

You should activate your card as soon as you receive it, even if you don’t use it very often.

How do I check to confirm my card has been activated?

At the end of the activation process, you’ll receive a message, ‘Your card has been successfully activated’, which means your card is ready to go. If you don’t receive this message, please call 13 22 65 or visit your nearest NAB branch.

I’ve forgotten my PIN. How quickly can I get a new one?

To change your PIN on any personal or business NAB Debit card or NAB Credit card, simply login to the NAB app or NAB Internet Banking, head to Cards, click on the relevant card then click on Change your PIN. To use this option, you’ll need to be registered for NAB SMS Security. You can also call us on 13 22 65 or visit your nearest NAB branch for more options.

Why do I need to activate my personal NAB credit card and NAB Debit card and not my other NAB cards?

So far, we have introduced this enhanced security functionality to personal NAB Debit cards, NAB Platinum Debit cards and NAB Credit cards. In future this functionality may also be extended to our other NAB cards.

Can I activate my card or change my PIN while I’m overseas?

Yes, you can use the NAB app or NAB Internet banking. To use these options, you will need to be able to receive a security code on your mobile phone so you will need to be registered for NAB SMS Security. For this, you will need to have your phone on global roaming whilst overseas. If you can’t activate using these channels, you can call us on +61 3 8641 9083.

What happens if I don't activate my card?

If you don’t activate your card you won’t be able to use it. However, if you have an Android™ phone and want to make contactless payments using your NAB Credit or NAB Debit card, you can use NAB Pay - NAB Pay lets you tap and pay on the go so you don’t have to carry cards. For payments $100 or over, you'll need to enter your PIN. If you don’t have a PIN you can set one by going to the NAB app or NAB Internet Banking Cards > Select your card > Change your PIN. You will need to have SMS Security set up before you do this.

Which cards can I activate via SMS?

You can activate your NAB Credit or Debit cards via SMS if it’s new, a replacement card or if you’ve moved to another type of card.

Will I have to activate my card if I'm an additional cardholder?

Yes, additional cardholders will need to activate their own card.

How can I activate my debit card online?

Can I activate my debit card at home?

Do I have to activate my debit card immediately?

How do I make sure my debit card is activated?