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Start saving the savvy way
Get paid, get spending, and get bonus interest. Now that's savvy.
Standard + bonus variable rate
We're Bank of the Year!
Thanks to our customers, we've been named Bank of the Year in the 2025 Roy Morgan Customer Satisfaction Awards – for the third year in a row.+
Whether you bank with us in branch, through our contact centre, or online – thank you for putting your trust in us.
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Important information
Banking and Credit products issued by Police & Nurses Limited (P&N Bank).
Any information on this website is general in nature and does not consider your personal needs, objectives or financial situation. Our rates are current as of today and can change at any time. Credit eligibility criteria, terms & conditions, fees & charges apply.
*Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. For variable Interest Only loans, comparison rates are based on an initial 3 year Interest Only period. For fixed Interest Only loans, comparison rates are based on an initial Interest Only period equal in length to the fixed period. During an Interest Only period, your Interest Only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
^Bonus interest payable on balances up to $100,000 when during the calendar month:
1. at least $500 from an external account is deposited (excluding ATM withdrawals, balance enquiries and transfers, direct debits, Bank@Post™ transactions and BPAY payments and uncleared transactions) into your P&N & Transaction Account(s); and
2. you make at least 5 Visa card transactions (excluding ATM withdrawals, balance enquiries and transfers, direct debits, Bank@Post™ transactions and BPAY payments and uncleared transactions) from a linked P&N & Transaction Account. Standard rate applies if conditions not met. Interest applies to Savvy Saver Account balance only, & Transaction Account balance not included.
You may hold a maximum of one Savvy Saver Account only, either as a single account holder or joint account holder.
BPAY® is registered to BPAY Pty Ltd ABN 69 079 137 518.
Bank@Post is an agency service provided by Australia Post on behalf of over 80 financial institutions.
Bank@Post™ deposits and withdrawals are available only with a P&N VISA Card. Cheques must be made out in the name of the cardholder to be accepted at Bank@Post™ and require a minimum of 7 business days for clearance.
+Award is based on Roy Morgan customer satisfaction research. Visit our awards page for more details. Names used are illustrative only.