General help & support

For security reasons, we’ll need to speak with you to verify your identity if you need to update the mobile phone number recorded on your account.

You can contact us on 13 25 77 during business hours or visit your nearest branch to do this.

You can change a home or work phone number using digital banking at any time. In the mobile app go to My details > Update contact details and in internet banking go to Settings > Contact details.

You can easily update your address in internet banking or the mobile app. 

In internet banking go to Settings > Address details and in the mobile app go to My details > Update address details.

You will be shown the current residential and mailing address that we have recorded for you. If these details are no longer correct, you can simply update with your new address and save.

We are required by AML/CTF legislation to maintain an up-to-date residential address for you.

If you wish to add a mailing address, please contact us on 13 25 77 or via Secure Mail.

It's important we can reach you if we need to – so please remember to keep your contact details up to date.

You can update your email address, residential or mailing address, and home or work phone number at any time via internet banking or the mobile app:

Using the mobile app:

1. Log in to the P&N Bank mobile app
2. Tap My details in the main menu (  )
3. Select Update contact details or Update address details

Using internet banking:

1. Log in to internet banking
2. Go to Settings in the main menu
3. Select Contact details or Address details

 

Need to update your mobile number?
If your mobile is linked to Secure SMS codes, you'll need to call us on 13 25 77 during business hours or visit your nearest branch.

If you've officially changed your name, you'll need to visit your nearest branch so we can update your account details. 

To update your name, you'll need to provide:

• A completed Change Account Name/Title of Account Authority form, and
• Your official name change documentation, such as:
  • An updated driver's licence or passport
  • A change of name certificate
  • A marriage certificate (non-decorative versions only)
  • A birth certificate if reverting to your birth name (non-decorative versions only)

 

Note: You can print and fill out the Change Account Name/Title of Account Authority form beforehand, or complete it in person when you visit a branch.

If you can't get to a branch

If you can't make it to a branch during business hours, you can complete a certification form instead, have your documents certified by an acceptable referee, and return both the form and certified copies to us.

Need more information?

Please call us on 13 25 77, message us via secure mail in the mobile app or internet banking, or visit your nearest branch.

You can request access to the information we hold about you at any time by contacting the Member Advocate on 13 25 77 or at info@pnbank.com.au. 

There is no fee for making a request but we may charge you the reasonable costs of providing our response to a request for access to personal information. 

If we refuse to give you access to any of your personal information, we'll provide you with reasons for the refusal and the relevant provisions of the Privacy Act on which we rely to refuse access.

You can read more in our Privacy Policy.

As a customer-owned bank P&N Bank is owned by its members.

Our members and our owners are one and the same, so there’s no natural conflict with shareholders like the listed banks. We reinvest our profits back into the bank - for the benefit of everyone who chooses to bank with us.

Find out about P&N Bank

The P&N Bank BSB number is 806-015

Top tip! You can easily find the BSB number whenever you need it as it's listed with each of your account numbers displayed in internet banking and the mobile app.

Your P&N Bank member number can be found on your Visa debit or credit card, rediATM card and on your statements.

Digital letters allow you to receive communications from P&N Bank via email, instead of traditional post. To keep your information safe and secure, the PDF will be password-protected. You’ll receive the password instructions in the email containing your digital letter.

Most service letters can be sent digitally. This includes notifications about missed payments, overdrawn accounts, changes to credit card or home loan accounts, and other service letters. In rare cases, we may need to send certain letters via post.

How to set up digital letters

If you don’t have eStatements set up yet, you’ll need to register through one of the following methods:

Internet banking:

1. Go to Services > Manage eStatements.
2. Select Register for eStatements.
3. Review and accept the terms and conditions.

Mobile app:

1. Go to the menu and select Accounts > Manage eStatements.
2. Select Register for eStatements.
3. Review and accept the terms and conditions.

Once set up, you’ll start receiving eStatements and digital letters via your nominated email address.

For joint accounts, only the primary account holder will receive digital letters. You can opt to switch back to paper-based letters at any time, but keep in mind that opting out of paper-based letters also means opting out of eStatements.

To learn more about the benefits of digital letters or for help setting them up, call our friendly team on 13 25 77 or visit your nearest branch.

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

• Everyday & savings accounts
• Credit cards
• Personal loans
• Home loans

 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

We understand that sometimes seeing a friendly face and doing your banking in person can be nice. And we welcome you at our branches located throughout the Perth metropolitan area from Ocean Keys to Mandurah, and down south in Bunbury.

Use our Branch Locator to find your nearest P&N Bank branch. 

Remember, there are a wide range of actions you can undertake in the mobile app or internet banking for your convenience. 

Please contact us on 13 25 77 if you'd like to speak to a team member.

Completed forms can be returned to us in the following ways:

• By Secure Mail. If you're an existing customer you can use Secure Mail, accessed via internet banking, Services > Secure Mail.
• By post: Send them to PO Box 8609, Perth BC WA 6849.
• In person at one of our branches.

Find my nearest branch

You can use Bank@Post at participating Australia Post offices across the country to deposit cash or cheques or withdraw from your account.

To use this service, you'll need a P&N Bank Visa Debit card. Please note that fees and charges may apply to certain transactions.

If you have any feedback or a complaint about the Bank@Post service, we’re here to help. You can let us know what you think through our feedback page.

P&N Bank is committed to fair and responsible banking. You can learn more by reading the Customer Owned Banking Code of Practice.

P&N Bank Txtlink SMS banking is a convenient way to keep track of your money while you’re on the move.

Using SMS on your mobile phone you can send requests to receive balances and other updates, or schedule alerts for Debit and Credits to your account, including when your pay comes in.

• Txtlink alerts will be available between the hours of 8am and 9pm (Western Standard Time) 7 days a week.
• Txtlink requests will be available 24 hours a day, 7 days a week. P&N cannot guarantee the timely delivery of messages.
• Txtlink will only be available to the mobile phone number nominated by you.
• Txtlink messages will notify you as to the status of your account at a given point in time.
• A Txtlink message may not take account as to amounts deposited (or withdrawn) but not credited (or debited) to your accounts

View SMS Banking Terms & Conditions

P&N Bank is a 'customer owned' bank which means our customers and our owners are one and the same.

So there’s no natural conflict with shareholders like at the listed banks. 

Our customers own our bank, and that’s a good thing. It means any profits we make are used to improve our services, and provide benefits to our customers and the broader WA community. 

Find out more about what being a customer-owned bank means.

If you’re new to P&N Bank you can easily open an account online in a matter of minutes.

You’ll need to:

• be at least 18 years old
• have a current Australian driver’s licence or Australian passport document
• have access to your mobile phone with a camera

You can open most of our everyday and 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 in your name online by going to ‘Apply’ in internet banking or ‘Open account’ in the mobile app.

Open an account online

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 to receive your funds, which is quick and easy. Once your funds have landed in your account, you can open a term deposit using internet banking or the mobile app. 

Open a term deposit online

New customers

You can open a new joint account at your nearest P&N Bank branch. 

You'll both need to confirm your identity using one (1) of the following identity documents:

• Australian driver's licence
• Australian passport

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.

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.

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

If you're new to P&N Bank, you’ll need to have valid identification – and in some cases, extra supporting documents – before you can open an account.

Opening an account online

If you’re opening an account online, you’ll need to provide two forms of ID from the following:

 Western Australian driver’s licence

 Australian passport

 Green Medicare card

You’ll also need access to a mobile phone with a camera so we can verify your identity.

Opening an account in a branch

If you're opening an account in person, one form of photo ID can be used. You can use either:

 An Australian driver's licence

 An Australian or foreign passport

Alternative ID options

If you’re not a permanent resident or just don’t have photo ID, you can still open an account in a branch by providing:

 One primary document, and

 One secondary document

Accepted primary and secondary ID documents

 

Please note: If your documents are in a language other than English, you’ll also need to provide an English translation. The translation must be prepared by an accredited translator. You can find one on the NAATI website.

Temporary residents

If you’re a temporary resident (such as on a student or working visa), you may still be able to open an account. Your visa must have at least 12 months remaining at the time you apply, and we’ll need to verify your visa details. Applications are assessed on a case-by-case basis.

Children under 18

If a child doesn’t have photo ID, we can also accept the following (in addition to a birth certificate):

• A letter from a school principal (issued within the last 3 months, confirming the child’s full name and date of birth)
• A current student ID card (showing full name, photo, and date of birth)

Need help?

We accept either original documents or certified copies. If you’re unsure of what documents to bring, get in touch – we’re happy to guide you through it.

Contact us

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

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

A Power of Attorney (POA) is a legal document that gives a trusted person legal authority to act on your behalf, and make financial/or legal decisions.

This can be in the form of:

• General Power of Attorney - which lets someone temporarily manage your affairs, such as if you're going away.
• Enduring Power of Attorney (EPOA) - which lets someone manage your affairs on a longer term basis.

Read more information about setting up an Enduring Power of Attorney with P&N Bank.

This information is to be used as a guide only. You should obtain independent legal advice if you are considering appointing an attorney or accepting an appointment as an attorney.

What is an Enduring Power of Attorney?

An Enduring Power of Attorney (EPOA) is a type of power of attorney which authorises a named person to make financial decisions on behalf of a donor. This continues even if the donor loses capacity. In other words, if the donor is no longer capable of making their own financial decisions, the EPOA will continue to operate to allow the attorney to make those decisions. 

An EPOA is no longer valid if the donor passes away, and can only be revoked while the donor has capacity to make financial decisions. A donor can decide that the EPOA only comes into effect after they lose their capacity to make decisions and manage their own financial affairs.

What can an Enduring Power of Attorney do on a donor’s behalf?

An attorney has the ability to do anything in relation to the donor’s financial affairs that the donor could lawfully do themselves. For example, an attorney can:

•  open, operate (including transferring money), or close bank accounts held in the donor’s name; and/or
•  buy and sell property in the donor’s name.

It’s worth noting that there are risks and limitations to consider with powers of attorney.

Lodging an Enduring Power of Attorney document with P&N Bank

If you need to lodge an enduring power of attorney with us, use this checklist to make the process as easy as possible.

• Original document - we’re required to sight the original enduring power of attorney document. We are unable to accept photocopies. If you have an original certified copy, this may be acceptable, provided it has been certified by an authorised person and contains the certifier’s original signature.

• Fully completed and executed EPOA - ensure that the enduring power of attorney document has been completed in full. Check that all parties (donor and attorney) have signed, and that the document has been dated and witnessed as required.

• Photo identification - when attending a branch, the donor and attorney will each need to be identified using photo identification (a driver’s licence, passport or photo ID card). If the donor is unable to attend the branch, we can accept certified copies of their identification. Alternatively, please contact us to discuss other acceptable options.
• The attorney will need to create a profile with P&N Bank so we can provide access to the donor’s accounts and identify them when they contact us.

Reviewing and lodging an enduring power of attorney document can take some time, so we recommend allowing for this when coming to see us.

Please note that P&N Bank team members cannot provide advice on how the document should be completed, they cannot complete any part of the document on your behalf and cannot witness the document.

Where can I go for additional information?

If you require additional information or guidance on setting up a power of attorney, you should seek legal advice. The Western Australian government website contains further information on powers of attorney and enduring powers of attorney. 

The government agencies listed below may also be able to assist:

• Office of the Public Advocate: 1300 858 455
• Public Trustee: 1300 746 116