BSB 806 015

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BSB 806 015

Corporate Details

Registered address details

Police & Nurses Limited
Level 6, 556 Wellington Street
Perth WA 6000
Phone: 13 25 77
Email: [email protected]
ABN 69 087 651 876
AFSL 240701
Australian Credit License 240701

Auditor details

P&N Bank use the services of Grant Thornton Audit as an external auditor.

Grant Thornton Audit Pty Ltd
Collins Square, Tower 5
727 Collins Street
Melbourne VIC 3008

Regulatory disclosures

The Australian Prudential Regulation Authority (APRA) commenced operation in 1999 following recognition by the Federal Government of a need to establish a stronger regulatory regime in Australian financial services. As a prudential regulator, APRA sets standards for the prudent management of financial institutions in Australia, to ensure adequate financial and managerial capability.

P&N Bank, like all Australian banks and credit unions, is categorised and licensed by APRA as an Authorised Deposit-Taking Institution (ADI). All financial institutions are subject to the same prudential standards, regulations and supervision.

Current disclosure

Previous disclosure

Workplace Gender Equality Act

In accordance with the requirements of the Workplace Gender Equality Act 2012 (Act), P&N Group lodged its Workplace Gender Equality Agency Annual Compliance Report on 20 June 2022. The report is available for download:

Further information about the compliance report can be found on the Workplace Gender Equality Agency website.

Whistleblower Protection Policy

Police & Nurses Limited (PNL) is committed to a culture of corporate compliance and ethical behaviour, and our Whistleblower Protection Policy aims to preserve and protect an ethical working environment. This policy details the procedures to follow to protect the identity of a whistleblower, information on the types of Disclosures that qualify for protection under the Corporations Act (Whistleblower Protection Scheme), who those Disclosures can be made to and how those Disclosures will be investigated.

Industry associations

We are members of the following industry associations who advocate on behalf of the customer-owned banking sector and in turn help us provide a banking service that focuses on you, the customer.

Customer Owned Banking Association logo

COBA - Customer Owned Banking Association

COBA is the industry advocate for Australia’s customer-owned banking sector. It represents credit unions, mutual banks and building societies which combined, are the fifth largest holder of deposits outside Australia’s ‘big four’ banks.

As a member of COBA, P&N Bank follows the Customer Owned Banking Code of Practice, which clearly and transparently outlines what a customer can expect when dealing with us.


Business Council of Co-operatives and mutuals logo

BCCM - Business Council of Cooperatives and Mutuals

BCCM is the national peak body representing the co-operative and mutual models of enterprise in Australia. It is the only organisation uniting the entire range of diverse member-owned businesses that operate around the country.

Climate change

Our Board and Executive recognise that climate change has the potential to impact our organisation, our members and the communities in which we operate. As stated on the Market Forces website, "P&N Bank primarily lends for residential and investment housing/property/land, personal loans and credit cards. P&N Bank’s business lending excludes large-scale activities, projects and industries involved in exploration, extraction or production of fossil fuels or in electricity generation from fossil fuels.

Even though we do not directly finance initiatives in the areas mentioned above we acknowledge that, currently, the use of fossil fuel energy is critical to the socio-economic sustainability of many individuals, businesses and communities who are still dependent on non-renewable energy. We will continue offering such individuals, businesses and communities financing and other services that they need for core business activities in areas other than the ones mentioned above.

In accordance with our values of partnering and supporting our members and their communities, we will continue to support our members and develop and improve our lending policies, procedures and products that would help us, our members and their communities to sustainably transition to a low-carbon future."

If you have any queries please contact us by emailing [email protected].

A brief history of P&N Bank

1969 – The Western Australian Police Union Cooperative Credit Union Society Limited is established.

1972 – The WA Nurses Credit Society Limited is established.

1981 – MTT Salaried Officers Association Credit Union merges with the Police Credit Society and membership is extended to members of the Army, Navy and Air Force.

1990 – The Police Credit Society and the Nurses Credit Society merges to create the Police & Nurses Credit Society.

2001 - Energy Credit Union merges into Police & Nurses Credit Society.

2013 – After a customer vote, Police & Nurses Credit Union is rebranded to P&N Bank.

2019 – East coast-based BCU Bank joins with P&N Bank to establish a national organisation.

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