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P&N SwiftSaver Account

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An account that rewards you with bonus interest every month you increase your balance.

When you invest your savings in the P&N Bank SwiftSaver Account you can see a rapid increase. By meeting the terms each month, you are eligible to receive a high bonus rate on top of the standard, pushing your savings growth forward. This is an account to consider if you want to see a high rate of growth, but still need to be able to access your money when needed.

1.1% p.a.

Maximum variable rate

0.1% p.a.

Base interest rate

1% p.a.

Bonus interest rate


Minimum deposit

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Product NameP&N SwiftSaver Account
Maximum Variable Rate1.1% p.a.
Standard Variable Rate0.10%
Bonus Variable Rate1.00%
Monthly Account Fee$0
Minimum Opening Deposit$0
Minimum Age18

Key features


P&N is a mutual bank and only provides the SwiftSaver Account for their members. There is no special terms to meet in order to become a member other than paying a $10 shareholder fee, and you can find the application online.

Monthly fee

You will pay no monthly account keeping fees for the SwiftSaver.

How to apply


Whether or not you are an existing member of P&N Bank, you can apply for this account online. You are also permitted to apply in person or over the phone if that is more convenient for you. No matter which method you choose, you will still be asked if you meet the following eligibility requirements before proceeding with the application:

  • Minimum age. You must be at least 18 years of age in order for your application to be accepted.
  • Residency requirements. Only Australian residents with an Australian mailing and residential address are permitted to open this savings account.

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