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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.

Join us – it’s quick and easy

Apply online

It only takes around five minutes, and all you’ll need is two forms of ID.

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!

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 in minutes. You’ll become a customer and enjoy all of the benefits of banking with P&N. 

Open an account

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

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. 

Discover the P&N difference

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.

Find a branch

We’ve got branches all over the Perth region, and as far south as Bunbury.

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.

Digital banking

All you need to know about P&N Bank's digital banking services, such as internet banking, mobile app, mymo budgeting app, instant digital cards and more.