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About P&N Bank

P&N Bank is a division of Police & Nurses Limited. Operating under a customer-owned or mutual model, we are a bank for everyone. Our members come from all walks of life and are at the heart of everything we do.

In fact, our very purpose is to enrich the lives of our members and their communities.

P&N provides a genuine banking alternative for people who value competitive and convenient retail banking products, outstanding customer service and a community spirit that works to provide a helping hand to those in need.

At P&N, we operate as a collective, using the power and strength of our organisation to enhance the value of our individual members, staff and those in the community who are important to us.

Our team strive to create exceptional member experiences for our existing members while educating more people about the benefits of customer-owned banking.

Benefits of customer-owned banking

Why choose P&N Bank

As a customer-owned bank, P&N's business model is quite different to the major or listed banks. Our members and shareholders are one and the same. P&N doesn't have to choose between those who bank with us and third party shareholders. That's why our members are, and always will be, our sole focus.

Just some of the reasons you should choose to bank with us:

  • & Transaction Account with fee free banking
  • Optional Pay&Save - to help you save without even trying
  • Visa Debit card - access your own funds online and in store
  • Digital Wallets - Apple Pay and Google Pay and Samsung Pay for payments on the go
  • Digital Banking - around the clock banking via Mobile App & Internet Banking
  • Great value home loans, personal loans and credit cards
  • ATM's  - you can now withdraw cash from all major Australian Banks' fee free 
  • Access to a WA contact centre that works WA business hours Monday to Saturday.
  • 15 branches across WA to assist members with banking queries.
  • Helping &nds community program - members can nominate local charities and groups, as well as needy individuals, for our financial assistance
  • Perth Wildcats partner - access discounted memberships and tickets

P&N Bank app

P&N Bank Members

Perth Wildcats

Customer-Owned Banking Sector

Australia's thriving $110 billion customer-owned banking sector represents over 4 million Australians. Operating under APRA supervision, and backed by the RBA, our sector has an exceptional track record of stability and customer satisfaction.

Learn more here or watch this video for more information about Customer Owned Banking.

P&N is an Approved Deposit Taking Institution (ADI) regulated by such government agencies as APRA, ASIC, AUSTRAC, OAIC and the ACCC.

P&N Bank is governed by a Board of six member elected Directors and three Board appointed Directors. All shareholding members can vote at the Annual General Meeting and Special General Meetings.

Our History

1969 - Western Australian Police Union Cooperative Credit Union Society Limited established
1972 - WA Nurses Credit Society Limited established
1981 - MTT Salaried Officers Association Credit Union merged with the Police Credit Society and membership was extended to members of the Army, Navy and Air Force
1990 - Merger of the Police Credit Society and the Nurses Credit Society to Police & Nurses Credit Society
2001 - Energy Credit Union merged into Police & Nurses Credit Society
2007/08 - Best Credit Union - Australian Banking & Finance Magazine Awards
2013 - Members vote to rebrand Police & Nurses Credit Union to P&N Bank
2014 - P&N Bank Best Bank - Roy Morgan Customer Satisfaction Awards
2017 - P&N Bank Best Mutual Lender - ABF Lending Awards
2018 - P&N Bank Best Mutual Lender - ABF Lending Awards
2019 - Mozo Experts Choice Awards - Excellent Banking App
2019 - AIM WA Pinnacle  Awards - Innovation Excellence
2019 - bcu became a division of Police & Nurses Limited, establishing a national multi-brand organisation with P&N Bank operating in Western Australia and bcu operating in NSW and south eastern Queensland

Contact us or call 13 25 77 to find out more about why you should choose to bank with WA's largest member owned bank.

& Transaction Account

An everyday bank account packed with a range of features to suit the way you spend. Get an instant digital card, faster payments and much more.

Internet Banking

Mobile Apps, internet banking, digital wallets and everything you need to know about accessing your account and banking online.

Ways to pay

P&N Bank offers many was to pay, like Visa Debit & Credit card, Digital wallets, Mobile app, fee free ATMs, PayID and payments overseas. Find out more today!

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