BSB 806 015

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BSB 806 015

Fees & Charges

The following fees and charges apply to all Everyday and Savings accounts.

These should be read in conjunction with the fees and charges specified for the product on their individual product pages.

View our Everyday Accounts View our Savings Accounts

Coin Deposits

Available at P&N branches. These fees are applicable to all accounts. Coin deposits must be counted and bagged by the member or they will be charged 5% of the coin amount.

The following fees will be debited at the end of the month:

Overdrawn Account Management Fee

A fee of $10 payble in relation to any month where we allow the approved credit limit on your savings account to be exceeded by more than $50 or, if your account does not have an approved credit limit, if we allow you to overdraw your account by more than $50.

Payment Service Fees

Auto transfers to another organisation * $5 per payment
Bank cheques * $10 per cheque
Manual staff assisted transfer to another organisation $2.50 per payment

* Excludes Easy Living Savings Account (Product is no longer available)

SMS Banking Fee

Fee per message received $0.20

Member Chequing

Member cheque book *
$6
Stop payment placed on a P&N cheque $15

* Excludes Easy Living Savings Account (Product is no longer available)

Card Fees

Overseas ATM withdrawal $5
Replacement of lost card, stolen or damaged card $10
Urgent card order $50
Emergency replacement of lost, stolen or damaged VISA debit card while overseas
- Approved $320
- Declined $70
VISA chargeback $25

Additional Statement and Storage Retrieval

Statement retrieval if more than 12 months old
- 1st page $6
- Each subsequent page $1.50
Cheque or Voucher retrieval
- Per item $25
- If off site storage (additional) $25 per box
- EFT/VISA voucher retrieval $20

Dormancy

Administration fee where account has been transferred to dormancy status $10 per annum

Dishonour Fees

Member Cheque (Outward) $12
Member Cheque (Inward) $12
Foreign Cheque $50
Direct Debit $12
Auto Transfers $12
BPay future dated payment $12
Electronic payment return fee $5

Referral Fee

Where an account has insufficient available funds to cover a cheque, auto transfer or direct debit transaction, and the transaction is honoured by P&N $12

Foreign Exchange Services

Draft - Foreign currency $20
Bill for collection (Foreign cheque deposits over $25,000 AUD) $60
Telegraphic transfer - Foreign currency $30
Telegraphic transfer - AUD $45
Foreign cheque deposit $10
Encashment - Cash and travellers cheques $10
Foreign cash sale (members) 1.1% commission,
(eg. 1.1% x $2,000 = $22)
minimum $15
Cash Passport
- Initial activation $10
- Reload $10

Bank Transactions

Special clearance on cheque $25
Real Time Gross Settlement Payment from another bank $10
Real Time Gross Settlement Payment to another bank $35

Requests

Audit Certificate $50
Manual Trace $40

P&N can change the standard fees and charges that apply to accounts from time to time. Please refer to the Everyday and Savings Accounts Terms & Conditions for notification requirements.

The following fees and charges apply to all Home Loans.

These should be read in conjunction with the fees and charges specified for the product on their individual product pages.

View our Home Loans

Administration charges

Top up fee $395
Valuation fee At cost to P&N*
Lenders Mortgage Insurance At cost to P&N*
Legal fee At cost to P&N*
Production fee for a third party to produce a document At cost to P&N*
Bank cheques At cost to P&N*
Title production fee $105
Title search administration fee (per loan) $25
Discharge of mortgage
- Without settlement (per document) $350
- With settlement (per document) $395
Withdrawal of caveat
- Without settlement (per document) $55
- With settlement (per document) $160

Construction Loan charges

Construction progress payments fee
(per drawdown)
$50
Total Progress payment Inspection fees $198

* At cost to P&N refers to costs incurred by P&N Bank resulting from the provision of a product or service requested by the member, which will be passed on to the member.

Variation to Home Loan contract

Partial Security release $105
Transfer of Security $105

General Fees

Over limit Management Fee

During the month an Overdraft or Line of Credit Account exceeds the approved limit by more than $50, a $10 fee will be charged.

Late Payment Notification Fee

When payment to a Home Loan becomes overdue by 11 days and 30 days, we reserve the right to charge a $5 fee.

Management Administration Fee

When payment to a Home Loan becomes overdue by more than 90 days, we reserve the right to charge a $50 monthly fee

Collection Agent Administration Fee

Payable when you are in arrears for more than 90 days and we choose to enage an external collection agent, we reserve the right to charge a $100 fee

External dishonour fee

Direct debit $12
Electronic payment return fee $5
Manual Trace $40

Government Charges

State and Federal Governments apply various charges relating to the loan amount, Security, purchase of Property and Property Settlement, for example:

  • Stamp duty
  • Registration/discharge of Securities
  • Duty on duplicate documents
  • Searches of land titles

Where applicable these fees and charges are payable by yourself in addition to those shown above.

Further details of applicable government charges are available upon request at any P&N branch.

P&N can change the standard fees and charges that apply to Loan Accounts from time to time. Please refer to the terms of your credit contract.

The following fees and charges apply to all Personal Loans.

These should be read in conjunction with the fees and charges specified for the product on their individual product pages.

View our Personal Loans

Administration charges

Loan establishment fee $199
Goods security administration fee (per vehicle) $20
Monthly maintenance fee $10

General Fees

Late Payment Notification Fee

When payment to a Personal Loan becomes overdue by 11 days and 30 days, we reserve the right to charge a $5 fee.

Notice of Demand Fee

When payment to a Personal Loan becomes overdue by 46 days, we reserve the right to charge a $75 fee.

Management Administration Fee

When payment to a Personal Loan becomes overdue by more than 90 days, we reserve the right to charge a $50 monthly fee

Collection Agent Administration Fee

Payable when you are in arrears for more than 90 days and we choose to enage an external collection agent, we reserve the right to charge a $100 fee

External dishonour fee

Direct debit $12
Manual Trace $40

Government Charges

State and Federal Governments apply various charges relating to the loan amount, Security, purchase of Property and Property Settlement, for example:

  • Stamp duty
  • Registration/discharge of Securities
  • Duty on duplicate documents
  • Searches of land titles

Where applicable these fees and charges are payable by yourself in addition to those shown above.

Further details of applicable government charges are available upon request at any P&N branch.

P&N can change the standard fees and charges that apply to Loan Accounts from time to time. Please refer to the terms of your credit contract.

The following fees and charges apply to all Credit Cards.

These should be read in conjunction with the fees and charges specified for the product on their individual product pages.

View our Credit Cards

Card Fees

VISA chargeback $5
Foreign currency conversion fee (payable for all transaction made in a foreign currency 3% of value of transaction

Replacement of lost, stolen or damaged card (in Australia) - Standard

$10
Replacement of lost, stolen or damanged card (in Australia) - Urgent $50
Emergency replacement of lost, stolen or damaged Visa debit card while Overseas - Approved  $320
Emergency replacement of lost, stolen or damaged Visa debit card while Overseas - Declined  $70
VISA voucher retrieval $20

General Fees

Late Payment Notification Fee

When payment to a Credit Card becomes overdue by 11 days and 30 days, we reserve the right to charge a $5 fee.

Notice of Demand Fee

When payment to a Credit Card becomes overdue by 46 days, we reserve the right to charge a $75 fee.

Management Administration Fee

When payment to a Credit Card becomes overdue by more than 90 days, we reserve the right to charge a $50 monthly fee

Collection Agent Administration Fee

Payable when you are in arrears for more than 90 days and we choose to engage an external collection agent, we reserve the right to charge a $100 fee

Other account fees and charges

VISA chargeback $25
Duplicate statement
- First page $6
- Every page thereafter $1.50
VISA voucher retrieval $20

Government Charges

State and Federal Governments apply various charges relating to the loan amount, Security, purchase of Property and Property Settlement, for example:

  • Stamp duty
  • Registration/discharge of Securities
  • Duty on duplicate documents
  • Searches of land titles

Where applicable these fees and charges are payable by yourself in addition to those shown above.

Further details of applicable government charges are available upon request at any P&N branch.

P&N can change the standard fees and charges that apply to Loan Accounts from time to time. Please refer to the terms of your credit contract.

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