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Fee-free banking

Save money with no monthly or transaction fees.

100% offset

Save money on home loan interest with an offset account.

Bank online, 24/7

Easily transfer money and pay bills using internet banking or our mobile app.

Visa Debit card

Use your card around the world, or just around the corner.


Maximise savings, minimise interest!

The & Access Account isn't just a transaction account… it’s so much more! Linked to your eligible home loan, every dollar in it will reduce the interest you pay on your home loan balance. Plus, you can use it for your everyday banking. What’s not to love?

And we know that every dollar counts, so there’s no monthly or standard transaction fees. Which means more money to put towards your loan!

More than your standard everyday bank account

  • 100% of the money in your account counts towards reducing the interest on your linked eligible home loan, so you could pay off your loan sooner.
  • 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).

Ready to open your & Access Account?

To be eligible for the & Access offset account, you’ll need to have a P&N Bank home loan with an offset facility available. 

Once you’ve found a home loan that takes your fancy, you’ve got a couple of options options:

  • You can request an appointment at one of our branches, virtually, or a mobile lender can come to you, or
  • you can enquire online and request a call back from one of our lending specialists.

If you already have your home loan with us and want to speak to a lender about switching loans so you can benefit from the & Access Account, please contact us on 13 25 77 or visit your nearest branch.

Book an appointment Request a callback

Your home lender will confirm the identification documents we'll need to open your & Access Account.

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 when you meet with us.

Don't have your photo ID? A list of alternative identification documents is available for anyone who is a non-resident or doesn't have an Australian photo identity document.

Rates & fees

Your everyday bank account offsetting your home loan. It’s smart, it’s simple, and it just makes sense.

Interest rates

Balance Interest rate Interest calculated Interest credited
Any balance 100% offset against linked home loan Daily 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.

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.

All your offset account questions answered

An offset account is a bank account that is linked to your home loan. The balance of the account is used to offset the balance of your home loan and reduces the amount of interest you get charged. This means every dollar you keep in your offset account can help you save money on your home loan.

For example, if you have a $400,000 home loan and $20,000 in your offset account, you'll only be charged interest on your home loan on a balance of $380,000.

Most of our existing home loan customers can switch to another of our home loans, however there are some exceptions.  

To confirm your eligibility, please call us on 13 25 77 and speak with one of our experienced home loan specialists.

An offset account is a bank account linked to your home loan. The balance in your account is used to offset the outstanding balance of your loan, which reduces the amount of interest you’re charged. You can use your offset account the same way you would a transaction account, so it’s a great option to deposit your salary and manage your everyday banking.

A redraw facility is a feature available on some variable rate home loans, and isn't a separate bank account. It allows you to withdraw any extra money you've paid towards your home loan over and above your minimum required repayments.

Both offset accounts and redraw facilities can help reduce the amount of interest you pay on your home loan, which could mean you pay your loan off sooner. 

One of our experienced home loan specialists can assist you with switching your home loan.  We can meet with you at one of our branches, at your home or workplace, or even via video appointment.   

Request an appointment

You can also call us on 13 25 77 to make an appointment to speak one of our experienced home loan specialists.

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. 

The & Access Account is only available to members who have acquired an & Home Loan after October 2015, & Home Loan Intro Rate, Simple Home Loan, Offset Home Loan or & Investor Home Loan.

100% of deposit balance is offset against the balance of the linked home loan.

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.