The following fees and charges may apply to everyday and savings accounts.
These should be read in conjunction with the fees and charges specified for the product on their individual product pages.
Bank services fees
| Fee type | Fee amount |
|---|---|
| Coin Deposit Fee Available at P&N branches. These fees are applicable to all accounts. Coin deposits must be counted and bagged by member or will be charged 5% of the coin amount. |
5% of the coin amount |
| External Auto Transfer Fee Staff assisted creation of a recurring auto transfer payment to another organisation. (Unlimited fee free on Easy Living Savings, Easy Living Deeming and Concession Account.) |
$5.00 per payment |
| Manual External Transfer Fee Staff assisted manual transfer to another organisation. |
$2.50 per payment |
Card fees
| Fee type | Fee amount |
|---|---|
| Card Replacement Fee For the replacement of a lost or damaged Visa Debit card. |
|
| Standard replacement | $10.00 |
| Urgent replacement | $50.00 |
| Emergency Card Replacement Fee For the issue of a temporary emergency Visa Debit card, to temporarily replace a lost, stolen or damaged Visa Debit card. |
|
| Declined | $70.00 |
| Approved | $320.00 |
| Overseas Withdrawal Fee When you use your Visa Debit card overseas to withdraw cash. |
$5.00 |
| Visa Chargeback Request Fee When a cardholder raises a dispute relating to a card transaction. |
$25.00 |
Real Time Gross Settlement (RTGS) and foreign currency fees
| Fee type | Fee amount |
|---|---|
| Cash Passport | |
| Initial activation | $10.00 |
| Reload | $10.00 |
| Foreign Cheque Deposits | |
| Foreign Cheque deposits up to $25,000 AUD | $10.00 |
| Foreign Cheque deposits over $25,000 AUD | $60.00 |
| International Transfers | |
| Telegraphic transfer foreign currency | $30.00 |
| Telegraphic transfer AUD | $45.00 |
| Online International Transfer (Internet Banking) | $15.00 |
| RTGS To cover the cost of processing ‘SWIFT’ payments from overseas and same day local payments through ‘RTGS’ (Real Time Gross Settlement) systems. |
|
| RTGS from another bank | $5.00 |
| RTGS to another bank | $15.00 |
|
Visa Foreign Currency Conversion
|
3% of the transaction’s value in AUD |
Dishonour fees
| Fee type | Fee amount |
|---|---|
| Auto Transfer Dishonour Fee Charged where there are insufficient funds in your account when an internal or external auto transfer or BPAY payment is due to be made. |
$6.00 |
| Dishonour Fee Where a direct debit or cheque is dishonoured due to insufficient funds. |
$6.00 |
| Overdrawn Account Management Fee Applied in relation to any month where we allow the approved credit limit on your 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. |
$10.00 |
| 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. |
$3.50 |
Other fees
| Fee type | Fee amount |
|---|---|
| Audit Certificate Fee | $25.00 |
| Bank@Post Withdrawal Fee | $3.00 |
| Manual Trace Fee | $40.00 |
| Statement Retrieval Fee Statement retrieval more than 12 months old. |
|
| First page | $6.00 |
| Each subsequent page | $1.50 |
Important information
P&N can change the standard fees and charges that apply to accounts from time to time. Please refer to the terms and conditions for notification requirements.
This document should be read in conjunction with Savings Accounts & Account Access Channels Terms and Conditions and the Interest Rate Schedule applicable to the account. Together they form your Terms and Conditions.
The Terms and Conditions relate to P&N Bank savings accounts, transaction accounts (including the Business Transaction and Business Saver Accounts) and associated non-cash payment services.
Copies of these documents are available from any P&N Bank branch, on our website, or by calling us on 13 25 77.