Nano metakaolin (NMK) has attracted considerable interest for its potential to improve the durability of cementitious materials. However, the effect of NMK on the splitting tensile performance of concrete has not been systematically investigated. This study investigates the splitting tensile performance of NMK concrete and analyzes its failure behavior under splitting load. Different NMK dosages (0%, 1%, 3%, 5%, and 7%) were considered, and splitting tensile tests were conducted. The crack propagation process, crack width, and crack growth rate on the surface of NMK concrete during the splitting tensile test are analyzed using the Digital Image Correlation (DIC) method. The mechanisms by which NMK affects the splitting tensile performance of concrete were examined using X-ray Diffraction (XRD), Fourier Transform Infrared Spectroscopy (FT-IR), Scanning Electron Microscopy/Energy Dispersive Spectroscopy (SEM/EDS), and Thermogravimetric Analysis (TG). The results indicate that the incorporation of NMK enhances the splitting tensile performance of concrete. Concrete with 5% NMK addition exhibited the highest splitting tensile strength, with an increase of 17.4% compared to ordinary concrete. NMK improved the cracking resistance and overall integrity under splitting tensile load. With 5% NMK addition, the surface crack length, width, and main crack propagation rate of the concrete decreased by 4.5%, 35.3%, and 29.6%, respectively. NMK contributed to a denser internal structure of the concrete, promoted the formation of C-S-H gel, and increased the degree of cement hydration. Moreover, a lower thickness and Ca/Si ratio of interfacial transition zone (ITZ) were observed in NMK concrete. The ITZ thickness and Ca/Si ratio of concrete with 5% NMK were reduced by 64.4% and 85.4%, respectively, compared to ordinary concrete. In summary, the influence mechanism of NMK addition on the splitting tensile strength and failure behavior of concrete is explored in this study, providing experimental data to support the application of NMK concrete in practical engineering.