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Getting started

You can easily open an account online in a matter of minutes, even if you’re not already a P&N customer.

If you’re new to P&N, you’ll need to be at least 18 years old and have two forms of ID to open your account online. You can open most everyday or savings accounts online, and from there you'll also be able to open a term deposit from internet banking or the mobile app.

If you already bank with us – great choice! You can open most deposit accounts online by going to ‘Apply’ in internet banking or ‘Open account’ in the mobile app.

Open an account online

To have your salary credited to your P&N Bank account, you simply need to give your BSB number and account number to your employer or payroll officer.

Your account will need to be an everyday transaction account or savings account to receive your pay directly. 

Whether you're a new customer or already bank with P&N, you can open a new account online in minutes. 

Find out more about opening an account

You should receive your physical Visa Debit card by mail within 7-10 business days.

If you've recently opened a new account online, you can set up your digital card straight away and use it with the digital wallet on your smartphone.

Find out more about digital cards

Switching to a customer-owned bank based right here in WA (us!) is easy. 

We can guide you through the the steps to open your account, set up new payment arrangements with your new account or card and provide tips for a smooth changeover.

Show me the steps to switch

If you're new to P&N Bank you'll need to have at least one photo identity document to open your account with us.

Opening your account online?

If you're opening a new bank account, or applying for a personal loan or credit card online, you'll need to confirm your identity using any two of the following documents:

  • Australian driver's licence
  • Australian passport
  • green Medicare card

Opening your account in branch?

If you're opening your account at one of our branches you need to bring one of the following photo identity documents:

  • Australian driver's licence
  • Australian passport

Don't have your photo ID?

If you're under 18, not an Australian citizen or simply don't have an Australian photo identity document, you can use a combination of primary and secondary documents to open your account at one of our branches. 

You can use one form of primary ID (eg. your birth certificate, overseas driver's licence or citizenship papers) with one form of secondary ID (eg. a Medicare card, Senior's card, Australian Marriage Certificate, Utility bill).

Primary documents with a photograph ​

  • Australian passport (current or expired within 2 years)
  • Current foreign passport
  • Current Australian driver's licence
  • Proof of age card (issued under law of Australian State or Territory)
  • Current Australian ImmiCard​

Primary documents without a photograph ​

  • Australian birth certificate or birth extract
  • Foreign birth certificate
  • Australian citizenship certificate

Secondary documents

  • Current Centrelink card
  • Notice to the individual from the Australian Taxation Office (less than 12 months old)
  • Notice to the individual from a local government or utilities provider
  • Children (less than 18 years) – educational institution statement specifying the name of the child and confirming attendance of the child at the institution and signed by a specified officer of the institution

We accept original and certified copies of documents.

Find out who can certify a document

New customers

If you're both new customers and looking for an account where either person can authorise transactions, the easiest and quickest way to apply for a joint account is to open an account online.

You'll both need to confirm your identity using two of the following identity documents:

  • Australian driver's licence
  • Australian passport
  • green Medicare card

Remember to have your Tax File Numbers handy if you want to avoid being charged general withholding tax on any interest you earn over a certain threshold.

You can also open your new joint account at your nearest P&N branch. You’ll need to bring your Australian driver's licence or a valid passport.

Find out what other identification documents you can use to open an account.

Existing customers

If you both already bank with us then you can open your joint account by calling 13 25 77, or by visiting your nearest branch.

And if you'd like to set up your account so that both account holders need to jointly approve transactions, we'll need to see you in branch to sign an Authority to Operate Form.

To use our digital banking services you’ll first need to register for internet banking.

If you joined P&N Bank online you will be registered already and should have received your password.

If you joined in branch you can register there, and our team will help you do that. Alternatively, a quick call to our friendly team on 13 25 77 can get you registered.

After you’ve registered you'll be able to login to internet banking from the website, or download the mobile app from your app store and use your internet banking credentials to login.

You can register a PayID in internet banking or the mobile app. 

A PayID is a unique identifier – a mobile phone number or email address – connected to your account. You can receive instant and secure payments direct to your account using your PayID. 

In internet banking go to Accounts > Register PayID and in the mobile app go to Pay > Manage PayID and follow the prompts.

If the PayID is available to link to your account, then you need to: 

    • Select the account you would like to connect to the PayID.
    • Select the account name from the options provided.
    • Review and accept the Terms and Conditions.
    • Enter the secure code sent to your PayID to validate ownership.

Note: If you're setting up a PayID on an email address, the code will be sent to that email address and not via SMS.

You will be advised if the PayID you’ve entered is not available, or if it is already being used. You can dispute ownership of the PayID by clicking on Dispute.

 

You can personalise the names of your accounts that appear in the mobile app and internet banking. This can be helpful when you’re saving for different goals or opening accounts for specific purposes e.g. My home deposit, New car account, Takeaway fund.

    • In the mobile app select the account you wish to personalise. Tap the three dots in the top right-hand corner, and then select Rename account > Personalised account name > Update.
    • In internet banking, go to Settings > Account preferences > Preferred account name > Update and save.

You can change or remove your personalised account name any time. To revert the account name back to display its original name, simply delete the custom name you have loaded and save your change.

Everyday & savings accounts

The interest on our savings accounts is calculated on the daily balance and credited on the last day of every month. This means that every deposit you make throughout the month will earn interest from that day onwards.

Bonus interest, if applicable to your account, will also be calculated on your daily balance in line with the bonus interest conditions for your account.

That means by the end of the month, you might have earned a little extra money to treat yourself or give your savings a boost. A mini reward for being a savvy saver!

You can easily find out how much interest you have earned (or paid) in our mobile app or internet banking. The amount of interest for the previous and current financial year will be displayed as well as any tax that has been withheld.

    • In the mobile app go to Menu > Accounts > Interest.
    • In internet banking go to Accounts > Interest details.

You can also find the interest on individual accounts by selecting the account you want the information for on the Accounts screen and selecting the ‘i’ info icon.

You can find information about the fees and charges applicable to your P&N Bank account on our fees and charges pages:

 These should be read in conjunction with the fees and charges specified for the product outlined on the product page in the relevant Terms and Conditions document.

View all fees and charges

You can make a cash or cheque deposit at one of our conveniently located branches (not our Kings Square Service Hub). 

We accept bank cheques or a cheque drawn on another financial institution.

If you can't get to a branch you can also deposit cash and cheques at participating Post Offices using Bank@Post. Limits may apply. 

 

Typically, it takes four working days for a cheque deposited to your P&N Bank account to clear, and the funds should be available on the fifth working day.

With the increase in popularity of digital payments and the move towards instant payments, we have stopped issuing cheque books for both personal and business banking accounts.

Other payment options include online transfers to a BSB & account number or to a PayID. You can also pay bills using BPAY® or PayTo.

If you've been asked to pay for something by cheque, you can request a bank cheque by calling us on 13 25 77.

 

If you withdraw money from your SwiftSaver Account, you'll earn the standard interest rate for the month, but you won't be eligible to score the bonus interest payment. Don't worry though – there's always next month to try and earn that extra interest!

When the bonus interest term of your HiSaver Account ends, your interest rate will revert to the standard variable rate.

You can open a new savings account online at any time in internet banking or the mobile app.

Term deposits

You can open a P&N Bank term deposit with just $5,000 and invest up to $1 million. Up to $250,000 of your total deposit is protected by the government’s Financial Claims Scheme.
 

You can add money to your Term Deposit on the day you open the account, or when it matures if you choose to roll over your investment.
 
You can manage your maturity instructions, including adding new funds to the account in internet banking or the mobile app.
 
 

If you already have a transaction or savings account with us you can log in to internet banking or the mobile app and open up a Money Maker term deposit account online in a matter of minutes.

To open a Regular Income Term Deposit, you can contact us via secure mail, call 13 25 77 or visit your nearest branch.

New customer?

If you’re new to P&N, you can easily open a transaction or savings account online, and then open your Term Deposit account via internet banking or the mobile app. 

Open a term deposit online

 

 

You can close your term deposit account early at any time, but doing so will likely affect the amount of interest you receive.
 
Further information is available in our Term Deposit Account Terms & Conditions.

At the time of opening your term deposit account, you set instructions for what you would like us to do at the maturity of the term deposit. This can include

  • closing the account and transferring funds to another nominated account, 
  • renewing the term deposit for a further period
  • or a combination of these options.

These instructions can be amended any time up to your term deposit maturity or within the grace period following the account maturity. 

When your fixed term deposit matures you can choose to leave your money - and the interest you've earned - in a term deposit (it’s what we call a rollover) or you can withdraw your money. 

View the Term Deposit Account Terms & Conditions for more information about rollovers.

 

Account access

If you've misplaced your card or left it somewhere by mistake you can place a temporary lock on your card while you look for it.

The temporary lock can be applied in internet banking or the mobile app and will restrict all transactions on your card. This does not include regular recurring withdrawals such as direct debits or digital wallet transactions made using your mobile phone.

To put a temporary lock on your card, go to Manage Cards > Card controls.

Permanently lost your card?

You can report your card as lost or stolen and reorder a new card using our digital channels, or by calling us on 13 25 77 during business hours. To report a card as lost or stolen outside of business hours, please call 1800 648 027.

To report your card lost or stolen using internet banking or the mobile app, log in and go to Manage Cards. Select the card you need to report as lost or stolen and then follow the prompts to cancel your card and order a new one.

Alternatively, you can visit your nearest branch and we'll be happy to help.

You can send money to another bank or financial institution in Australia using the Pay someone function in internet banking or the mobile app.  

From the main menu go to Transfer/Pay > Pay someone. You can send money to a:

  • Saved payee (a payee you have sent money to and saved previously).
  • New payee using a BSB and account number.
  • New payee using a PayID.
  • Another P&N account using the PayID or BSB and account number.

Payee Nickname - by ticking 'Add to Favourites', the payee’s details will be saved to use in the future. This is an optional field and can be used to provide a nickname for your saved payee.

Description - this can be added to your payment so you can easily identify the payment on your statement. 

Reference - this is an optional field and will display on the payees statement.

Saved payees

To transfer funds to a saved payee, simply select their name in your Favourite payees list. You can sort the favourites list by Payee Name, Account Name or the Last Payment Date. You can also search for a previous payee by selecting the Search icon in the top right hand corner of the list and typing in your search criteria.

Remember, transfers between different financial institutions can take up to 48 business hours, so make sure you allow enough time for your funds to arrive as required. If the receiving bank is a participant in NPP the funds may be sent via Osko and could be received in minutes.

To protect your funds, there is a limit on how much you can pay each day using digital banking.

When you first open your account with P&N your transfer limits using internet banking or the mobile app are:

  • $5,000 per day to another P&N Bank account.
  • $5,000 per day to an account held with another bank.
  • $10,000 per day for BPAY payments.
  • For international payments, you'll need to register first and request your limit.

Your limits are a combined daily limit that apply to all accounts within your membership, using internet banking or the mobile app.

Can I set even lower daily transaction limits?

Your limits can managed using the Transaction Limits section of internet banking or the mobile app. You can bring your daily limits down to  $2000, $1000 or even as low as $0.00, and you can manage you own limit changes up to $5000. 

We recommend you keep your daily limits set at the minimum you need for your regular banking to reduce the risk of fraudulent activity. And if we feel your account may be at risk of fraudulent activity we may reduce these limits without notice.

Your daily ATM withdrawal limit is $1,000. 

To increase your limit, please call 13 25 77 or visit your nearest branch and one of our friendly team will be happy to assist.

Please note, limits can only be increased for 24 hours and then will revert back to the standard amount.

To have an account in two names, you'll need to apply for a new joint account together.

Alternatively, you can authorise another person to access and use your existing account. This is called an authority to operate, however the account ownership will remain unchanged in your name.

If you'd like more information about joint accounts, you can message us, call us on 13 25 77 or visit your nearest branch, and one of our friendly team will be happy to assist.

Download Authority to Operate Form

You can allow another person (known as a third party) to access and use your bank account. This is called an authority to operate. 

If your chosen person is not a P&N Bank customer they will need to confirm their identity and open a membership with us first.

To authorise a third party to operate on your account, you'll need to complete the Authority to Operate Form and return it to us.

Forms can be returned in the following ways:

  • Secure Mail – if you're an existing P&N customer you can log in to internet banking and go to Services > Secure Mail
  • In the post, returned to: P&N Bank, PO Box 8609, Perth BC WA 6849
  • In person at your nearest branch

Remember, all transactions on your account that are authorised by the third party will be treated as having been authorised by you. 

Download the Authority to Operate Form

You can close your P&N Bank account by contacting us in any of the following ways:

  • Call during business hours on 13 25 77, or +61 8 9219 7609 if you’re overseas.
  • Send us a secure mail from internet banking or the mobile app.
  • Get in touch via webchat after logging into your internet banking, so that we can confirm your identity.
  • Visit your nearest branch with your photo ID.

If the account requires two signatures to authorise transactions, we'll need to speak with both account holders before we can close your account.

And remember, before closing your account, make sure that all recurring payments and direct debits set up from the account are cancelled, and any overdrawn balance is cleared in full.

If you want to close your membership with P&N Bank in full you can download and complete the Resignation of Membership Form. 

Download the Resignation of Membership Form

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