Compare P&N Bank products

Put your savings plan into effect with a high interest earning account from P&N Bank.

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P&N Bank

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.

P&N Bank savings accounts, bank accounts and term deposits

P&N Bank savings accounts

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Finder Score Maximum interest rate Base interest rate Max rate type & duration Monthly max rate conditions
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Maximum Variable Rate p.a.
4.45%
Standard Variable Rate p.a.
0.50%
Intro/Ongoing
Ongoing rate
(conditions apply)
Deposit $100
No withdrawals
Balance up to $250,000
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P&N Bank logo
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Maximum Variable Rate p.a.
4.65%
Standard Variable Rate p.a.
0.20%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance under $100,000
Deposit $500
5 Access Account debit card purchases
Get 4.65% p.a. ongoing when you deposit $500 and make 5 debit card purchases per month. Make withdrawals and still earn bonus interest.
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Maximum Variable Rate p.a.
4.25%
Standard Variable Rate p.a.
0.05%
Intro/Ongoing
4 month intro rate
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Finder score
Maximum Variable Rate p.a.
2.80%
Standard Variable Rate p.a.
2.80%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance $0 to $4,999
Aged under 15
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P&N Bank logo
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P&N Bank & Retirement Account
Finder score
Maximum Variable Rate p.a.
1.05%
Standard Variable Rate p.a.
1.05%
Intro/Ongoing
Ongoing rate
(conditions apply)
Aged 55+
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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 breakdown

Want more interest on your savings?

Compare now and find a better rate.

P&N Bank bank accounts

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Finder Score Monthly fee Govt. Guarantee Own network ATM fee Card type
P&N Bank logo
Finder score
P&N Bank & Transaction Account
Apple Pay Google Pay Samsung Pay
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Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
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P&N Bank logo
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P&N Bank Easypay Plus Access Account
Apple Pay Google Pay Samsung Pay
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Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
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P&N Bank logo
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P&N Bank Budgeting Account
Apple Pay Google Pay Samsung Pay
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Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
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P&N Bank logo
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P&N Bank Concession Account
Apple Pay Google Pay Samsung Pay
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Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
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P&N Bank logo
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P&N Bank Business Account
Apple Pay Google Pay Samsung Pay
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Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
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P&N Bank logo
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P&N Bank Community Account
Apple Pay Google Pay Samsung Pay
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Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
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P&N Bank logo
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P&N Bank & Access Account
Finder score
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
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Finder Score for bank accounts

We assess multiple product features for transaction accounts from over 100 providers and assign each product a score out of 10.

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Looking for a better bank account?

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P&N Bank term deposits

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Finder Score 3 Mths p.a. 6 Mths p.a. 10 Mths p.a. 12 Mths p.a. 24 Mths p.a.
Finder Score
3 Mths p.a.
4.00%
6 Mths p.a.
3.90%
10 Mths p.a.
3.45%
12 Mths p.a.
3.70%
24 Mths p.a.
3.40%
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Finder Score
P&N Bank & Retirement Term Deposit
$5,000 min. deposit
$1,000,000 max. deposit
Finder Score
3 Mths p.a.
4.10%
6 Mths p.a.
-
10 Mths p.a.
-
12 Mths p.a.
-
24 Mths p.a.
-
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Finder Score for term deposits

Finder Score assigns Term Deposit products a score out of 10, comparing interest rates and features, to make comparison easier. We assess over 150 products from more than 90 providers, assessing products across different terms to determine an average score per product.

Read the full methodology

Lock in a great rate

Compare term deposits to grow your savings with confidence.

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

Pros

  • Online banking
  • You can access your money at over 3,000 ATMs in Australia via atmx, NAB, and Bank of Queensland networks with a linked debit card

Cons

  • You will be charged when using certain transaction methods.

How to apply for a P&N Bank savings account

Applying online for a new bank account is fast and easy. You'll need identity documents such as your driving licence or passport. For more about the process, check out our full guide to opening an account online.

Sources

Shirley Liu's headshot
Written by

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

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Read more on P&N Bank Accounts

  • P&N Bank Smart Saver Account

    The P&N Bank Smart Saver account offers an ongoing bonus interest rate with minimal conditions to meet.

  • P&N Bank Savvy Saver account

    The P&N Bank Savvy Saver account allows you to earn an ongoing bonus interest rate of up to 4.65% on balances up to $100,000.

  • P&N Term Deposit

    A variety of terms to choose from along with interest payment options make the P&N Bank Term Deposits worth a closer look.

  • P&N Way Cool Saver

    Saving can be "way cool" when your child is being paid a competitive rate of interest while not being charged any fees.

  • P&N Hi Saver

    Watch how quickly your savings grow with an introductory bonus rate paid on every dollar in your account.

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