Why choose an & Transaction Account?
Visa Debit card
Make purchases online or in-store using your Visa Debit card.
Peace of mind
Restrict or block certain transactions using card controls.
Pay with your phone
Pay securely by adding your card to your digital wallet.
You can bank on simplicity
- Tap and pay securely with your smartphone using Apple Pay, Google Pay™ or Samsung Pay.
- Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.
- Free cash withdrawals at atmx terminals and all major bank ATMs across Australia.
- Link an eligible savings account in the app and save on autopilot with Pay&Save.
- Lost your card? Lock it temporarily while you look for it, or cancel it and request a new one (you’ll get a new digital card instantly).
Rates & fees
Daily banking without any nasties, so you can do life. Simple.
Interest rates
| Interest rate | Interest calculated | Interest credited |
|---|---|---|
| 0.00% p.a. | N/A | N/A |
| The basics | |
|---|---|
| Monthly fee | $0 |
| Minimum monthly balance | No |
| Everyday transactions | |
|---|---|
| EFTPOS and Visa purchase | Free |
| Withdrawal at atmx and major bank ATMs in Australia | Free |
| Internet banking & mobile app transfer | Free |
| BPAY® transaction | Free |
| Direct debits and direct credits | Free |
| Non-standard transactions | |
|---|---|
| Bank@Post™ withdrawal | $3.00 |
| Bank@Post™ deposit | Free |
| Card replacement - standard | $10.00 |
Other fees and charges may apply. For more information, please read the full list of account fees and charges.
Open a bank account online in minutes
To open an account online, you'll need to be:
New customer
You can open an & Transaction Account online in just a few minutes – no queues, no paperwork, just a few clicks and you're good to go.
Existing customer
It's quick and easy to open a new account anytime using internet banking or the mobile app.
Already bank with us?
You can open a new account through the mobile app or internet banking – no additional ID required.
Open an account online
To open an account online, you’ll need to:
- Be at least 18 years old
- Live in Australia with a current residential address
- Be applying as an individual (not a business or association)
- Have two forms of ID from the following:
- Western Australian driver’s licence
- Australian passport
- Green Medicare card
We also recommend having your tax file number (TFN) ready. If you earn more interest than the limit set by the ATO and you haven’t provided us with your TFN, withholding tax may be deducted from the interest you earn.
If you don’t meet the eligibility requirements to open an account online, you can still open an account at one of our branches.
Open an account in a branch
If you’d rather see a friendly face in person, or don’t meet the eligibility requirements to open an account online, drop into one of our branches. Make sure you bring the required documents with you so we can set up your account.
Budget like a boss with mymo
mymo is your personal banking buddy. It’s an app you can use with your P&N Bank accounts to help you budget like a boss.
Link up all your bank accounts to see all your income and expenses at a glance, track your spending, and set up bill reminders. Budget smarter, save more, and waste less.
Got a question about transaction accounts?
If you’re new to P&N Bank you can easily open an account online in a matter of minutes.
You’ll need to:
- be at least 18 years old
- have a current Australian driver’s licence or Australian passport document
- have access to your mobile phone with a camera
You can open most of our everyday and savings accounts online, and from there you'll also be able to open a term deposit from internet banking or the mobile app.
If you already bank with us – great choice! You can open most deposit accounts in your name online by going to ‘Apply’ in internet banking or ‘Open account’ in the mobile app.
You can have as many & Transaction accounts as you need to manage your banking.
You can open your first & Transaction Account online or in branch.
To open an additional & Transaction accounts you can call us on 13 25 77, message us, or or visit your nearest branch.
You should receive your physical Visa Debit card by mail within 7-10 business days.
If you've recently opened a new account online, you can set up your digital card straight away and use it with the digital wallet on your smartphone.
We're here to help
Open an account
You can open an & Transaction Account online – it only takes a few minutes!
Get answers online
Got a question? Our help centre is the ideal place to start.
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.
Read the relevant product terms and conditions before deciding if a product is right for you.
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.
BPAY® is registered to BPAY Pty Ltd ABN 69 079 137 518.