It’s banking, with a little dash of human
We’ve always been a customer-owned bank – which means we put customers before shareholders, and build products and services around your needs.
And we think that's important. Because, while the world of banking has never been more convenient, it can sometimes feel like all that progress has got in the way of the relationship. Making customers feel like just another number – not a person with individual needs.
At P&N Bank, we believe banking should put the customer first, with you at the heart of it.
That’s why we’re putting the heart back into banking, giving hard-working Australians a banking experience that's designed to be safe and secure, and feels a little more human in the moments that matter.
A bank that’s on your side. We call it banking with heart.
People looking after people
It’s the idea P&N Bank began with in 1969. Banking has changed. The reason we do what we do hasn’t.
We began as a credit union for Western Australian police officers. Nurses joined us next, followed by more West Australians over the decades.
But a lot has changed since our early days. Banking went online, then onto our phones. Everything got faster.
Today, we’re WA’s largest locally based, customer-owned bank. We exist to enrich the lives of our customers and their communities.
And as banking continues to evolve, we'll still be here making sure there’s enough 'human' in the system. Because customers will always be at the heart of what we do.
What banking with heart means
Safe hands for a modern world
Your money matters, and you want to know it’s with a bank you can rely on.
We're an Authorised Deposit-taking Institution, regulated to the same high standards as the major banks with oversight from APRA. Unlike them, we aren't in this to make stakeholders wealthy. It’s all about you.
Behind that are security-focused systems, dependable products, and people ready to help when something doesn’t feel right.
Learn about the Financial Claims SchemeHuman when you need it
An app is great when you want to check your balance or pay a bill. But sometimes you need an actual person to talk to.
At P&N Bank, you can bank digitally when it suits you, chat with us online, visit a branch, or talk to our local contact centre. Too easy.
Clear answers. Real people. Help when it matters.
Find out how you can contact us
Built for customers and community
We're customer-owned. That means we're owned by our customers, not external shareholders.
Our decisions are guided by our customers’ best interests, helping us deliver fair value, personal service, and products designed with customer needs in mind – while supporting the communities they call home.
Learn about customer-owned banking
All your banking needs, from people who are on your side
Want to talk banking with a real human who cares? Let’s chat. We’re all ears.
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Supporting our community
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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. Eligibility criteria, terms & conditions, fees & charges apply.
*Award is based on Roy Morgan customer satisfaction research. Visit our awards page for more details.