Compare P&N Bank products

P&N Bank is an Australian financial institution comprised of the merger of various credit unions. In 2013 they obtained regulator approval and became a mutual bank and are now able to provide you with the same products and security that the big banks can, including being a part of the Australian Government Guarantee of deposits up to $250,000.

• Savings Accounts Interest Rates
• Transaction Accounts
• Term Deposits Interest Rates

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Finder Score (low-high)Finder Score (high-low)Maximum Variable Rate p.a. (low-high)Maximum Variable Rate p.a. (high-low)Base interest rate (low-high)Base interest rate (high-low)Intro/Ongoing (low-high)Intro/Ongoing (high-low)

Product AUFSA	Finder Score	Maximum Variable Rate p.a.	Base interest rate	Intro/Ongoing	Government Guarantee	Monthly Max Rate Conditions
P&N Bank Savvy Saver	Finder score 9 Excellent	Maximum Variable Rate p.a. 5.10%	Standard Variable Rate p.a. 0.55%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions Deposit $500 5 Access Account debit card purchases Balance under $100,000	Get 5.1% p.a. ongoing when you deposit $500 and make 5 debit card purchases per month. Make withdrawals and still earn bonus interest.	Go to siteView details Compare	loading Fetching your data...
P&N Bank Hi Saver Account	Finder score 2.2 Basic	Maximum Variable Rate p.a. 4.75%	Standard Variable Rate p.a. 0.25%	Intro/Ongoing 4 months	Government Guarantee	Monthly Max Rate Conditions N/A	ContinueView details Compare	loading Fetching your data...
P&N Bank SwiftSaver Account	Finder score 7.5 Great	Maximum Variable Rate p.a. 4.25%	Standard Variable Rate p.a. 0.05%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions Deposit $10 No withdrawals Deposit up to $250,000	ContinueView details Compare	loading Fetching your data...
P&N Bank Way Cool Saver	Finder score 2.2 Basic	Maximum Variable Rate p.a. 2.80%	Standard Variable Rate p.a. 2.80%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	ContinueView details Compare	loading Fetching your data...
P&N Bank & Retirement Account	Finder score 3.5 Basic	Maximum Variable Rate p.a. 1.55%	Standard Variable Rate p.a. 1.55%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	ContinueView details Compare	loading Fetching your data...
P&N Bank Business Saver	Finder score 2.9 Basic	Maximum Variable Rate p.a. 1.25%	Standard Variable Rate p.a. 1.25%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	ContinueView details Compare	loading Fetching your data...

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How the Finder Score helps you find a better savings account

The Finder Score is a simple score out of 10. The higher a savings account's score, the better we think it is for the average customer.

We score each savings account in our database of hundreds based on a data-driven methodology with 2 main criteria: Does the account offer a high interest rate? And is it easy for savers to actually earn that rate?

Read the full Finder Score breakdown

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Name	Monthly fee	Govt. Guarantee	Own network ATM fee	Card type
P&N Bank & Transaction Account Apple Pay Google Pay Samsung Pay	Monthly fee $0	Government Guarantee	Own network ATM fee $0	Card type Visa	ContinueMore Info Compare
P&N Bank Easypay Plus Access Account Apple Pay Google Pay Samsung Pay	Monthly fee $0	Government Guarantee	Own network ATM fee $0	Card type Visa	ContinueMore Info Compare
P&N Bank Budgeting Account Apple Pay Google Pay Samsung Pay	Monthly fee $0	Government Guarantee	Own network ATM fee $0	Card type Visa	ContinueMore Info Compare
P&N Bank Concession Account Apple Pay Google Pay Samsung Pay	Monthly fee $0	Government Guarantee	Own network ATM fee $0	Card type Visa	Continue Compare
P&N Bank Business Account Apple Pay Google Pay Samsung Pay	Monthly fee $0	Government Guarantee	Own network ATM fee $0	Card type Visa	Continue Compare
P&N Bank Community Account Apple Pay Google Pay Samsung Pay	Monthly fee $0	Government Guarantee	Own network ATM fee $0	Card type Visa	Continue Compare
P&N Bank & Access Account	Monthly fee $0	Government Guarantee	Own network ATM fee $0	Card type Visa	Continue Compare

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Name	3 Mths p.a.	4 Mths p.a.	5 Mths p.a.	6 Mths p.a.	7 Mths p.a.	11 Mths p.a.	12 Mths p.a.	24 Mths p.a.
P&N Bank Term Deposit $5,000 min. deposit$1,000,000 max. deposit	3 Mths p.a. 4.00%	4 Mths p.a. 4.00%	5 Mths p.a. 4.65%	6 Mths p.a. 4.45%	7 Mths p.a. 3.85%	11 Mths p.a. 3.70%	12 Mths p.a. 4.40%	24 Mths p.a. 3.60%	ContinueMore Info Compare

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Who is P&N Bank?

As a mutual bank P&N is able to offer their members savings accounts that cover all of your financial plans. Not only will you find accounts that reward you for saving by paying out higher rates of interest, they also have accounts geared towards younger Australians. There are no monthly fees to concern yourself with, and free transactions when you choose to take advantage of electronic banking through their online platform.

What about the mobile app?

Manage Cards	Card Details

What transaction accounts are offered by P&N?

• Easypay Access Account. A monthly fee applies for the use of this account which you can have waived by meeting their conditions. You are also provided with multiple ways of accessing your money including a linked Visa debit card that can make withdrawals at over 3,000 ATMs countrywide for free.

• Student Account. Australian students aged 16 to 25 get the advantage of no monthly fees despite what your account balance is along with a choice in debit cards to make your withdrawals and purchases with. You can also earn a nominal interest rate on your balance that is paid to you quarterly.
• Budgeting Account. With this account you can keep your expense money separate from your everyday cash, ensuring that all of your bills are being paid on time. The same debit card is used to access money at ATMs as your transaction account or you can use internet banking to take care of your needs.

What high interest savings accounts are offered by P&N Bank?

• Hi Saver. Designed for accounts with balances of over $0, you will earn a bonus rate on top of the already competitive rate for the first four months after the account has been opened. There are no terms or regular deposit conditions to meet, and you are able to access your money at call through internet banking.
• SwiftSaver Account. Earn bonus interest for your smart savings habits by meeting a deposit requirement with no withdrawals each month. There are no monthly fees to pay with this savings account plus you have a number of ways to access your money without having to pay any additional charges.
• Way Cool Saver. For Australian children up to 15 years old, this account pays a competitive rate of interest on balances less than $5,000 without any strings attached. Once the child hits 12, they can begin accessing their savings on their own with a linked RediCard.

What term deposits are offered by P&N Bank?

The term deposits offered by P&N provide you with flexible terms and payment options. Your savings of at least $5,000+ is locked into the account at a fixed interest rate for a term that you choose. Depending on how often you want to receive interest payments, which are deposited into a separate account or issued by cheque, you can choose terms starting at two months for up to five years.

What are the pros and cons of banking with P&N Bank?

How do I apply for a P&N account?

The way in which you apply for a savings account with P&N will depend heavily on the type you choose. While most can be applied for online, with others you will need to fill out an enquiry form first. Age restrictions will vary depending on the details of the account, but you do have to be at least 18 to fill out the forms online. You must also be an Australian resident and have an Australian residential and mailing address. Have ready your tax file number (TFN) or exemption code along with your government issued photo identification in order to help complete your application.

Compare other products from P&N Bank

• P&N Bank credit cards
• P&N Bank home loans
• P&N Bank term deposits

Written by

Shirley Liu

Publisher

Shirley Liu is Finder's global program manager. She was previously the publisher for banking and investments and has also written comparisons for energy, money transfers, Uber Eats and many other topics. Shirley has a Master of Commerce and a Bachelor of Media, Journalism and Communications from the University of New South Wales. She is passionate about helping people find the best deal for their needs. See full bio