& Transaction Account
The fee-free everyday bank account you didn’t know you needed.
Until now!
Visa Debit card
Use your card around the world, or just around the corner.
Peace of mind
Restrict or block certain transactions using card controls.
Save as you spend
Pay&Save is like saving on autopilot.
Pay with your phone
Pay securely by adding your card to your digital wallet.
Meet your new everyday bank account
We know that every dollar counts, so with our & Transaction Account there's no monthly or standard transaction fees. Plus, you can get a digital bank card instantly and start using it straight away.
If you prefer a physical card, don't worry – we'll send you one of those too. And if you lose it, you can sleep easy knowing you can lock it in an instant, 24/7.
You can bank on simplicity
- Make purchases online or in-store using your Visa Debit card, including payWave.
- 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.
- Use card controls to block transactions such as online, overseas or Visa payWave.
- 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).
Save as easily as you spend with Pay&Save
Pay&Save is like saving on autopilot
You can automatically round up every purchase you make with your & Transaction Account to the nearest $1, $5 or $10. It’s your choice. Pay&Save then sweeps the difference into your savings account when you pay for something.
Coffee. Fuel. Cake. Don’t forget the cake. All those rounded-up purchases will soon add up with Pay&Save – so you get extra Ker-chang with your Ka-ching!
What are you waiting for?
It's easy – open a savings account alongside your & Transaction account and link them together in the app. Ka-ching!
Discover Pay&Save
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.
Open your & Transaction Account online in minutes
Existing customers
Already bank with P&N? Great choice - simply login to internet banking or go to the mobile app to open your new account.
New customers
If you’re over 18 years of age, you can open your account online in minutes. You’ll become a customer and enjoy all of the benefits of banking with P&N.
Open your account in a branch
We're happy to meet you if you choose to open your account at your nearest branch.
New customers
To open your account online you will need to be:
- over 18 years of age
- an individual (not a business or association)
- an Australian resident with a current Australian residential address.
And you’ll need to provide two of the following:
- a valid Australian driver's licence;
- an Australian passport;
- a Medicare card (green).
Handy hint: Have your tax file number ready. If you earn more interest than the limit set by the ATO, you need to pay tax. To avoid this, provide your tax file number when applying.
Open your account in a branch
If you don’t already bank with us you’ll need to bring your Australian driver's licence or a valid Australian passport for ID.
A list of alternative identification documents is available for anyone who:
- is under 18 years of age
- is a non-resident
- doesn't have an Australian photo identity document
Existing customers
Already bank with P&N? Great choice - simply login to internet banking or go to the mobile app to open your new account.
New customers
If you’re over 18 years of age, you can open your account online in minutes. You’ll become a customer and enjoy all of the benefits of banking with P&N.
Open your account in a branch
We're happy to meet you if you choose to open your account at your nearest branch.
New customers
To open your account online you will need to be:
- over 18 years of age
- an individual (not a business or association)
- an Australian resident with a current Australian residential address.
And you’ll need to provide two of the following:
- a valid Australian driver's licence;
- an Australian passport;
- a Medicare card (green).
Handy hint: Have your tax file number ready. If you earn more interest than the limit set by the ATO, you need to pay tax. To avoid this, provide your tax file number when applying.
Open your account in a branch
If you don’t already bank with us you’ll need to bring your Australian driver's licence or a valid Australian passport for ID.
A list of alternative identification documents is available for anyone who:
- is under 18 years of age
- is a non-resident
- doesn't have an Australian photo identity document
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.
Save seamlessly
With Pay&Save, just link a savings account to your & Transaction Account.
You’ve got questions. We've got answers
You can easily open an account online in a matter of minutes, even if you’re not already a P&N customer.
If you’re new to P&N, you’ll need to be at least 18 years old and have two forms of ID to open your account online. You can open most everyday or 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 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.
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 ATM Card or VISA Card. Cheques must be made out in the name of the cardholder to be accepted at Bank@Post™ and are subject to 4 working days clearance.
BPAY® is registered to BPAY Pty Ltd ABN 69 079 137 518.