P&N Bank is a WA-based, customer-owned bank with deep roots in policing and nursing. For decades, we’ve stood alongside essential service workers, recognising your contribution to Western Australia.
Our exclusive benefits are built for the way you work. From cashback offers to home loans that take overtime into account, we’re here to help you get ahead financially while you focus on the job. Because serving the community shouldn’t cost you opportunities.
What does the essential services offer get you?
Exclusive offer
Tailored banking benefits, available only to WA essential workers.
Banking that works as hard as you do
Flexible lending that recognises shift work, rosters, and overtime income.
Proudly WA
Locally-based, customer-owned, supporting the people who keep our communities running.
Recognising your service with real financial benefits
- $1,500 cashback on eligible home loans* – that’s money back in your pocket when you need it most.
- 100% balance interest offset facility on eligible home loans – every dollar in your account works harder to save you.
- Overtime income recognised – we take 100% of your overtime into consideration when assessing your loan.
- Lenders Mortgage Insurance waived – save on upfront costs and interest when borrowing up to 90% LVR.
We’ll work around your roster
Life on the frontline is busy. That’s why our mobile lenders work flexibly around your schedule – at your home, on shift breaks, over coffee or via video call. Morning, afternoon or evening, we’ll find a time that suits you.
Who is eligible?
If you work in one of the following essential services roles, you may qualify for this offer*:
- State or federal police
- Police staff – including auxiliary officers and employees
- Nurse – clinical, registered, and travel
- Doctor
- Firefighter (salaried non-volunteer)
- Paramedics
- Ambulance Emergency Medical Dispatchers
- Prison Officers
- Teachers – primary, secondary, and specialist (e.g. language)
- University lecturers
Simple, flexible banking
Your time is valuable. That’s why we offer instant digital cards, mobile apps and internet banking, plus digital wallets like Apple Pay, Samsung Pay and Google Pay™ – so you can bank your way, anytime.
Opening a new account is just as quick. In only a few minutes, you can start enjoying the benefits of banking with a WA-based, customer-owned bank.
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.
*$1,500 cashback is not available with any other offer.
^View P&N Bank Essential Services Offer Terms and Conditions for full eligibility details.