Reasons to open an everyday & Transaction Account:
Instant Visa Debit card
No need to wait for the postie to drop off your physical card, you can start shopping right away.
Save as you spend
Save on autopilot with Pay&Save. Open a savings account as well and link them together in the app – easy!
No monthly fees
Daily banking without any nasties, so you can keep your money where it belongs – in your account.
Digital banking
Whether you’re a mobile app or internet banking kind of person, your money will be at your fingertips.
A simple bank account for the day-to-day
Our & Transaction Account is your perfect match for everyday banking. With no transaction fees or minimum balance requirements, a range of payment options, and quick and easy online account opening, it’s the smart choice for modern-day, hassle-free spending. You can bank on it.
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.
Join us – it’s quick and easy
Apply online
It only takes around five minutes, and all you’ll need is an Australian drivers licence or passport.
Check your inbox
We’ll send you an email confirming all the basics, including your member number.
Log in
Log in to the mobile app or internet banking using the temporary password we’ve sent to you by text.
You're done!
You’re good to go. You can use your instant digital card and start spending straight away!
Why choose P&N Bank?
Unlike the bigger banks, our customers and owners are one and the same, so there’s no conflict with shareholders. P&N Bank is all about you.
Our mission is to offer West Aussies a refreshing banking choice. And as WA's largest locally-based customer-owned bank, we make achieving your financial goals easier by reinvesting our profits back into our products and services. We help you take control of your finances and give you a hand with your banking when you need it.
When you choose to bank with us, you’re not just another customer; you’re an important piece of the puzzle that makes us who we are.
We're here to help
Talk to us
Whether you’d prefer to chat to us over the phone, in person, or online, you can get in touch.
Get answers online
We’ve got heaps of info and answers to your questions in our comprehensive help centre.
You may also be interested in:
Everyday bank accounts
With our range of transaction accounts, we have options available to suit your daily spending. You can put your money on it (or in it)!
Savings accounts
Whether you’re saving for a holiday or a rainy day, P&N Bank has savings account options to help you reach your goals.
