Personal Banking

Banking built around you.

Whether you're saving for the future, buying your first home, or growing your business, Nobil Trust Bank is built around your goals.

Savings Accounts

Save smarter, earn more.

Competitive rates on every account. No hidden fees, and tools that help your money work harder every day.

Mobile Banking

Your bank, in your pocket.

Move money instantly, freeze cards in a tap, and stay on top of every transaction wherever you are.

Parent and child reviewing a savings jar at home

Build the financial future your family deserves

From teaching children to save to planning your own retirement, Nobil Trust Bank has the tools, guidance and products to support every stage of your financial journey.

Our free financial wellbeing guides cover budgeting, saving, borrowing responsibly and planning for the long term.

Explore our guides

Financial confidence that actually works for you.

We are not a bank that treats you like a number. Every product, rate and decision we make starts with one question: is this good for our members?

Our story

Deposits protected

Eligible balances are covered up to the applicable limit, so your money is always safe.

No hidden fees

No bait and switch rates, no small print surprises. Products that grow with you from day one.

Decisions in minutes

Loan and mortgage decisions faster than a branch visit, with a real person available when you need one.

Banking in your pocket

Full account control in the app: freeze cards, set savings goals, and track every transaction instantly.

Everything in one place

Fee-free everyday accounts

Open a current account in minutes with no monthly fee, no minimum balance and real-time spending notifications the moment your card is used.

  • No monthly maintenance fee
  • Instant spend notifications
  • Freeze and unfreeze your card in the app
  • Free cash withdrawals worldwide
Compare accounts
Everyday Current Account
$4,218.50
Available balance
Coffee Republic-$4.80
Payroll deposit+$2,400.00
Rent payment-$1,200.00

Personal loans from $1,000

Borrow from $1,000 to $50,000 with a fixed monthly repayment you can plan around. Get an initial decision in minutes with no impact on your credit score.

  • Representative 6.9% APR (sample rate)
  • Terms from 12 to 84 months
  • No early repayment charge
  • Funds in your account within one business day
Check your rate
Loan repayment snapshot
$15,000
Loan amount over 36 months
Monthly payment$462
Interest rate6.9% APR
14 of 36 months completed

Mortgages built around your goals

Whether you are buying your first home, remortgaging for a better rate or growing a property portfolio, our mortgage advisors are here to guide you through every step.

  • First time buyer rates from 4.89%
  • Decisions in principle within 24 hours
  • Dedicated case manager from application to completion
  • Overpay up to 10% per year with no penalty
Start your mortgage journey
Mortgage summary
$320,000
Property value: $400,000 (80% LTV)
Fixed rate4.89%
Monthly$1,691
6 of 25 years remaining

Cards that reward every spend

Choose from a rewards card that earns points on every purchase, a low rate card for flexibility or a balance transfer card to consolidate existing debt at 0%.

  • Up to 1.5% cashback on all purchases
  • 0% on balance transfers for 18 months
  • Contactless and Apple Pay ready
  • Instant freeze and unfreeze in the app
Compare cards
•••• •••• •••• 4821
Nobil Trust Bank Rewards 08/29
Cashback earned this month $18.42

Savings that actually grow

Put your money to work with rates that beat the high street. Choose easy access for flexibility, a fixed term for a higher return or a goal saver to build toward something specific.

  • Easy access at 3.20% AER (sample rate)
  • 1 year fixed at 4.50% AER
  • Goal Saver with visual progress tracking
  • Protected up to applicable limits
Open a savings account
Goal Saver
$3,640
Goal: $5,000 by December 2027
73% of goal reached
Interest earned$164.20
Rate4.50% AER

Grow your wealth with confidence

From hands-off managed portfolios to self-directed investing, we give you the tools and guidance to put your long term savings to work in a way that suits your risk appetite.

  • Managed portfolios from $500
  • Risk profiles from cautious to adventurous
  • ISA and pension wrappers available
  • No exit fees
Explore investments
Managed Growth Portfolio
$12,480
+$1,240 (11.0%) since inception
Risk levelBalanced
Term5+ years
50k+ Members served
Member reviewing finances on a laptop at home
4.8★ App store rating
Person using mobile banking on a smartphone
$2.1B In deposits protected
98% Member satisfaction

Instant notifications

Know the moment money moves in or out of your account, every time.

Full card controls

Freeze, unfreeze and set spending limits directly from the app.

Built in fraud protection

Continuous monitoring and instant alerts help keep your money safe.

Unlock priority banking with Nobil Trust Bank Select

Dedicated relationship manager, exclusive rates and a premium debit card for members who maintain a qualifying balance. Find out if you are eligible today.

Find out more

We believe banking should be honest and open

Our service quality reporting

We publish regular data on how well we serve our members, including complaint volumes and resolution times, so you can hold us accountable.

Read our service reports

Fraud and scam awareness

We will never ask you for your full PIN, password or to transfer money to a safe account. If you receive a request like this, it is not from us.

Read our security tips

Your money is protected

Eligible deposits are protected up to applicable limits under the relevant deposit protection scheme. See our Important Information pages for full details.

Important information

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