P&N Budgeting Account

Ensure your lights stay on with an account that keeps your monthly expense needs separate from your daily spending money.

With the P&N Budgeting account, you can gain better management of your monthly finances. Use it to store money on the side earmarked to take care of your monthly expenses, keeping it separate from your everyday transaction account. This can help you stay on budget and always pay your bills on time.


Account keeping fee


ATM withdrawal fee


Overseas ATM withdrawal fee


Overseas transaction fee

of transaction value

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Product NameP&N Budgeting Account
Monthly account fee$0
Card accessVisa
ATM Withdrawal Fee$0
International ATM Fee$5 + 3%
International transaction fee3%
Monthly deposit required to waive account feeN/A
Contactless PaymentsGoogle Pay, Apple Pay, Samsung Pay

Key features

Monthly maintenance fee

There are no account keeping or maintenance fees charged to the Budgeting Account.

Unlimited free transactions

You are able to keep your balance and pay your expenses with any of the following methods without charge; payroll and direct credits, Bank@Post deposits, internet and phone transfers, cheque and cash deposits, BPAY, cash withdrawal and electronic transfers.

How to apply


If you like the idea of holding some of your funds separate for your regular payments you can apply for the Budgeting Account over the phone or in person at a P&N branch. Alternatively, you can visit P&N website and fill out an enquiry form to schedule an appointment. You will first be asked about the following to make sure that you are eligible for this account:

  • Minimum age. The minimum age required to open the Budgeting Account is 18 years of age.
  • Residency requirements. You must be an Australian resident and have an Australian residential address in order to be eligible for this account.

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