Receiving Money From Overseas Into a NAB Account

What to give the person sending you money

NAB's receive-money-from-overseas page lists exactly what the sender needs: "The BSB and bank account number you want the money sent to. (Australian banks don't use IBANs). The full legal name on your bank account ... The street address (home or business) linked to your account. The NAB branch address where you opened your account. Our BIC or SWIFT code NATAAU3303M." Give the sender:

1. Your BSB and account number.
2. Your full legal name on the account.
3. Your street address (home or business) linked to the account.
4. The NAB branch address where you opened your account.
5. NAB's SWIFT/BIC code: NATAAU3303M.

If you hold a NAB Foreign Currency Account rather than a standard account, NAB's page states: "A NAB Foreign Currency Account doesn't need a BSB, only an account number. If asked for one, you can use 082-039" as a placeholder if a sending form insists on a BSB field. NAB's page also warns that it processes transfers based on the BSB and account number, not on the name given, so double-check every digit before sending this block on.

NAB's fee to receive an international transfer

As published on nab.com.au (checked September 2026), NAB's fee table lists "Transfers to a NAB account in any currency — Up to $15" — that's the figure that applies if you're a NAB customer receiving into your own NAB account. The same table lists higher fees for cases where NAB is only forwarding a payment on to somewhere else (up to $30 or $35), which don't apply to a transfer credited directly to your NAB account.

NAB's page adds: "Sometimes the sender may tell us to charge our fee to them. If this happens, we won't charge you and may charge the sending bank a higher amount" — worth the sender checking with their own bank whether they can elect to cover NAB's fee. Our guide to NAB international transfer fees how it works covers NAB's sending fees, its $0-surprise-fees guarantee on outgoing transfers, and its published cut-off-time table in full.

NAB acting as an intermediary — and what that means for deductions

NAB's page discloses its own role in the wider payments system directly: "We act as a go-between (or 'intermediary') for many overseas banks so they can send payments to other Australian banks. When this happens, we may first change the payment into AUD before sending the funds to another bank. If we convert your funds, we'll let your bank know the foreign exchange rate we've used and the amount of fees we've taken out, if any."

That means a payment can pass through NAB's systems even when neither the sender nor the final recipient banks with NAB — and, as with any bank in a payment chain, an intermediary can deduct its own fee before passing a payment on. If you're trying to reconcile a shortfall between what the sender says they sent and what actually arrived in your NAB account, ask the sender's bank which correspondent banks the payment passed through. Our guide to why did I receive less money than sent international transfer covers how this layered fee structure works generally.

How long it takes, and NAB's own process for locating a missing transfer

NAB's page states, under "Payment timeframes": "We generally process on the same business day if we receive the payment instruction before cut-off times. We may not be able to notify you of delays in processing payments."

If the money hasn't shown up, NAB's page names a specific process, under "Locating payments": "If you haven't received an expected international transfer, you can ask the sender for the exact amount and currency that has been transferred along with either: the SWIFT GPI tracking number of the transfer (which consists of numbers and letters), the name of the bank the sender has used to initiate the transfer, and any payment reference number from the sending bank. Contact our International Help Desk on 1300 888 413 with this information to locate your payment." NAB's page adds that if NAB can't locate it with those details, "the sender will need to address this with their transferring bank directly."

Why PayID won't work for this

A NAB PayID only resolves inside Australia's own domestic payments system, so an overseas sender's bank has no way to use it — there's no PayID field on an international wire transfer form. Give the sender your BSB and account number (or just your account number for a Foreign Currency Account), your name and address, the NAB branch address, and NAB's SWIFT code instead, as set out above. See our can I use PayID for an international transfer for why PayID and the NPP don't extend to cross-border transfers.

If Citi used to be your bank

If your account was originally with Citibank Australia, it's now a NAB account and everything above applies directly to you. Citigroup's own press release confirms Citi completed the sale of its Australian consumer banking business — deposits, mortgages, cards — to NAB on 1 June 2022, and NAB's own variation-notice document fixes the date the last Citi-branded transaction account closed: "On 24 February 2024 the Citibank Plus Transaction Account and Citi Debit Mastercard will be closed and the funds transferred to the NAB Classic Banking account." There's no remaining Citi-branded retail account in Australia today — a former Citi customer receiving money from overseas now does so through NAB, using the SWIFT code, fee and process set out above.

What's NAB's SWIFT/BIC code?

NATAAU3303M, as published on NAB's receive-money-from-overseas page.

How much does NAB charge to receive money from overseas?

Up to $15 for a transfer credited to a NAB account in any currency, as published on nab.com.au (checked September 2026). Higher figures on NAB's fee table apply only where NAB is forwarding a payment on to another bank rather than crediting your own NAB account.

My transfer hasn't arrived — what does NAB want me to do?

NAB's own page asks you to get the sender's SWIFT GPI tracking number, or the sending bank's name and payment reference, and call NAB's International Help Desk on 1300 888 413. If NAB can't locate it with those details, the sender needs to raise it with their own bank directly.

Can someone overseas send money to my NAB PayID?

No. PayID only works within Australia's domestic payments system. Give the sender your BSB, account number and NAB's SWIFT/BIC code (NATAAU3303M) instead.

My account used to be with Citibank — has anything changed for receiving money?

Your account is now a NAB account — the last Citi-branded account closed and moved to NAB on 24 February 2024 — so NAB's SWIFT code, fee and process apply, and there's no remaining Citi-branded retail banking product in Australia.

Will I pay tax on money sent to me from overseas?

Not automatically — it depends on why the money was sent, not on receiving it. See our receiving money from overseas in Australia and our guide to bringing money to Australia tax implicationss.