In 2022, NAB purchased Citibank’s multi-brand business. This added more than a million customers and made us Australia’s biggest credit card provider. With this responsibility came the opportunity to design a credit card experience that helps support our customers’ financial wellbeing.

Managing household bills shouldn’t be a source of tension — but it often is. Billy is the world’s first bill companion for housemates. It splits and pays utility bills automatically, upfront, and on time, helping people share homes more harmoniously. No more awkward reminders. No more IOUS. Just living, better.