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Following the Reserve Bank of Australia's announcement on Tuesday 3 May, we have released information on interest rate changes. View details

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BSB 806 015


It takes many hands to make life work. And no one gets that more than P&N.

With P&N’s award-winning app, you can transfer money to your mate's mobile number in an instant.

Made possible with Osko

Osko by BPAY is a fast, simple way to pay or get paid more conveniently. It enables you to pay in real-time with funds available almost immediately, regardless of financial institution and time of day. 

No more BSB or account numbers

With a PayID your mobile phone number or email address is registered to your bank account so it can be used to receive funds. When a family member, friend or colleague needs to pay you, instead of giving them your BSB and account number, simply ask them to to send it your PayID e.g. your mobile phone number.

Say more with character! 😋

Osko instant transfers enable you to send a 280-character description with your payment - including emojis, making it easier for both parties to know what the money is for.

Smartest banking, digitally

Mobile app

Award-winning mobile app

All your banking needs from the palm of your hand.

Instant digital cards

Instant card, instant spending

When you sign up for a P&N transaction account, you can use your digital card straight away.

Faster payments

Faster payments

The days of waiting up to three days for your funds are over, you can now transfer money in an instant.

Award winning banking

Mozo Experts Choice 2019 Excellent Banking App award badge

Over the years P&N has been recognised for our commitment to providing excellent service, including the 2019 Mozo Awards Experts choice for Excellent Banking App.

We're pleased to offer a range of options to help you transact and manage your accounts. From instant digital cards, Mobile Apps and Internet Banking to digital wallets including Apple Pay, Samsung Pay and Google Pay™ you'll be spoilt for choice in how you access your accounts.


Our & Transaction account includes our best digital and account features to make your banking life easier. 

No monthly fees
Keep your hard-earned money in your pocket (or account).
Access your accounts anytime, anywhere
use your Visa Debit card, our award winning Mobile App or Internet Banking to access your accounts when it suits you.
Faster payments
Send and receive money in near real time between participating banks, or set-up your PayID on your account for easier, faster payments.

Pay ID logo    Osko logo
Tap and pay with your mobile phone
Leave your wallet at home and use Apple PayGoogle PayTM or Samsung Pay to make transactions.
Free ATM access
Convenient access to your money at all major bank ATMs across Australia.
Card Controls
Easily turn on or off features like Visa payWave and online transactions, or put a temporary lock on your card if you've misplaced it while you look for it.
Automatically save with Pay&Save
When you use your & Transaction account, you can round up your purchases to the nearest dollar and save the difference into an eligible P&N savings account.

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Important information

Canstar’s Innovation Excellence Award was awarded on 4 April 2019 for our Instant card provisioning/Virtual Card Controls. Please read and consider the Terms and Conditions including Interest Rates, Fees & Charges. Any advice given is general only, and does not take into account your personal objectives, financial situation or needs. Please therefore consider whether it is appropriate for you.

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