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Open a Savvy Saver Account
  • Roy Morgan Bank of the Year for Customer Satisfaction, three years running
  • WA based, community-focused, and customer-owned for over 50 years

Want to double your dollars?

It's easy! Meet the monthly eligibility criteria using your Savvy Saver Account in December, January, and February. Just deposit $500 or more into your eligible & Transaction Account and make at least five card purchases each month using your linked account.

Do that, and you'll go in the draw to have your savings matched, dollar-for-dollar, up to $25,000! 

Open an account online

Save the savvy way for a chance to double your savings

Open your accounts

You’ll need a Savvy Saver Account and a linked & Transaction Account.

Meet the eligibility criteria

Deposit at least $500 into your & Transaction Account and make five or more card purchases each month in December, January, and February.

Build your balance

The more you save, the more you could win! And if you win, we'll match your Savvy Saver Account balance on 28 February 2026 – up to $25k.

Ready to reach your savings goals sooner?

You’ve got to be in it to win it. Open a Savvy Saver Account today to go in the draw for a chance to double your savings balance!

New customer

If you’re not already banking with us, getting started is quick and easy. You can open a both the Savvy Saver and & Trasaction Account online at the same time, and it'll only take you a few minutes!
Open your accounts online

Existing customer

If you already bank with us, you can open a Savvy Saver Account through internet banking or the mobile app.
Login to internet banking

Interest rates & fees

Earn a great rate and enjoy no monthly or standard transaction fees. Just more ways to make your money go further!

Interest rates

Rate type Tier Variable rate
Standard rate $0 + 0.20% p.a.
Bonus rate* Up to $100,000 5.05% p.a.
Total maximum rate (standard + bonus) Up to $100,000 5.25% p.a.

Fees & charges

Our Savvy Saver Account has no monthly or standard transaction fees. 

Other fees and charges that may apply can be found on our account fees and charges page.

We're here to help

Open an account

You can open a Savvy Saver Account online, and you'll have access to your new account in a matter of minutes.
Get started

Get in touch

Call us on 13 25 77, pop into your nearest branch, or chat to us online.
Contact us

Get answers online

Got a question? Our help centre is the ideal place to start.
Visit our help centre

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. Eligibility criteria, terms & conditions, fees & charges apply. 

Read the relevant product terms and conditions before deciding if a product is right for you. 

*Bonus interest payable on balances up to $100,000 when during the calendar month:

  1. at least $500 from an external account is deposited (excluding ATM withdrawals, balance enquiries and transfers, direct debits, Bank@Post™ transactions, BPAY payments and uncleared transactions) into your P&N & Transaction Account(s); and
  2. you make at least 5 eligible Visa card transactions (excluding ATM withdrawals, balance enquiries and transfers, direct debits, Bank@Post™ transactions, BPAY payments and uncleared transactions) from a linked P&N & Transaction Account.

Standard rate applies if conditions not met. Interest applies to Savvy Saver Account balance only, & Transaction Account balance not included.

You may hold a maximum of one Savvy Saver Account only, either as a single account holder or joint account holder.