BSB 806 015

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BSB 806 015

Frequently Asked Questions

Internet Banking

Questions...

  • What is the BPAY transfer limit?
    The minimum and maximum BPAY limits are as follows; 
     
    Minimum  BPAY Amount
    Each BPAY biller defines their own minimum amount. If you receive the following error through Internet banking "The amount specified is less than the allowed biller minimum" please contact the biller to enquire about alternative options for your payment. 
     
    Maximum BPAY Amount
    The maximum BPAY amount is $10,000.00 per day. 
     
     
     
     
     
     
     
     
     
     
     
     
     
  • How do I send money to an external account?

    You can send money to another Bank or Financial Institution in Australia via our Mobile Banking App or Internet Banking. 

    Mobile Banking App
    Log in to our Mobile Banking App and select the "Pay Anyone" option from the "Pay" menu 

    Internet banking
    Log in to Internet Banking and go to Transfer/Pay > Pay Anyone
     
    To transfer funds to a customer of another financial institution, you will need:

    • The recipient bank’s BSB number
    • The recipient’s account number
    • The recipient’s account name (the name of the person or business you are transferring to) 

    Remember, all transfers between different financial institutions take between 24-48 business hours. Make sure you allow enough time for the funds to arrive when the recipient needs them.

    For more information please read our Internet Banking User Guide

  • Where is my transaction history?

    Your transaction history is available in both our mobile banking app and internet banking service.

    Mobile Banking App
    In the Mobile Banking App your account transactions are found under the 'Accounts' option. Use the drop down list to change your accounts and view the account transaction history. 

    Internet Banking
    In Internet Banking your account transactions are found under the Accounts > Transaction History option.  Use the drop down list to change your accounts and view the account transaction history. By default the last 30 days of transactions are displayed. To view more transactions use the 'Show' drop down options and select the required number of days.

    Please see our Internet Banking Guide.

  • Can I open an account online?

    Yes, a number of our accounts can be opened online. 

    If you are an existing member, you can open a select number accounts and term deposits via our App or Internet Banking, simply Log In and select Apply from the menu option.  

    Otherwise, head over to our Products & Services page and click on a product with an 'Apply now' button and you will be guided through the process. 

    For accounts that can't be opened online,  please call 13 25 77 or visit your local branch and one of our friendly team will be happy to assist.

  • Can I redraw from my loan using Internet Banking?

    Yes, you can redraw up to the amount you are in advance, however we recommend that you keep at least one month’s minimum home loan repayment available. For example if your home loan repayment is $1,500 a month and you are ‘in-advance’ $9,000. You could redraw that full amount but we recommend to only redraw up to $7,500 so that you maintain a balance in case of emergencies. 

    To enable redraw using our Internet banking service, you'll need to return a completed Redraw Authority Nomination Form. Once we have received this, we will set up your Loan Redraw service in Internet banking. 

    You may be interested in;

    Internet Banking User Guide

    Making extra repayments

     

  • Where can I find my interest details?

    You can easily find out how much interest you have paid or earned via our Mobile Banking App or Internet Banking Banking Service. The amount of interest for the previous and current financial year will be displayed as well as any Tax withheld.

    Mobile Banking App
    Navigate to Accounts and select the account you want the information for, then select the info 'i' icon. 

    Internet banking
    Log in to Internet banking and go to Account > Interest details.  

    For more information please read our Internet Banking User Guide.

  • I have forgotten my security password?

    We strongly recommend to all our members that have a mobile phone to use our Secure SMS  service as second factor authentication for Internet Banking. To register for Secure SMS go to Services > Register Secure SMS.

    If you have a Security Password set up, due to reasons such as International travel or a lost mobile phone, and you have forgotten it, please call 13 25 77 (+61 8 9219 7609 from overseas) between 8am and 6pm WST Monday to Friday and 9am and 5pm WST Saturdays.

    You may also be interested in: 
    What is a Security Password 
    Why do I need to use Secure SMS

  • How do I rename my account?

    You can personalise the the name of your account to appear in Internet Banking and the Mobile App which can help with budgeting and managing your expenses. e.g. Holiday account, Rent or Bills.

    Log in to Internet Banking and go to Settings then Account preferences. Under Preferred account name select the account you wish to change, update the account to a name that suits and remember to save your changes. 

    To revert a customised account name simply delete the set preferred account name and it will default back to the original product name.

  • How do I register for Internet Banking?

    To register for Internet Banking, please call 13 25 77 or visit your local branch and one of our friendly team will be happy to assist.

    For more information please read our Internet Banking User Guide

  • How do I delete a saved payee?

    You can delete a saved payee or favourite when you log in to Internet Banking and go to Transfer/Pay section. Find the payee or biller in your list, click on the ellipsis (...) and then click on delete.

    For more information please read our Internet Banking User Guide.

  • What is the maximum Pay Anyone limit?

    The maximum you can transfer to an External Financial Institution (also known as Pay Anyone) via our Mobile Banking App or Internet banking is $5,000.00 per day. 

    To increase your Internet Banking Transfer/Pay limit, log in to Internet banking and go to  Settings > Transaction Limits

  • What are On Hold transactions?

    When making purchases with your P&N Visa Credit or Debit card, the transaction will not appear in your account straight away. The purchase amount is put "on hold" and the amount is subtracted from your available balance. You will notice that your available balance and account balance will vary whilst the transaction is being processed. Also, this is why the date of a transaction on your statement differs to the date you actually performed the transaction.

    You can view On hold transactions or Uncleared funds via our Mobile Banking App or Internet Banking. 

    Mobile Banking App
    Navigate through to the accounts section and click on the Info 'i' icon to view the uncleared funds for that particular account.

    Internet banking
    Navigate to the accounts section and select the ellipsis (...). Any uncleared funds will display in the summary information for your account. 

    For more information please read our Internet Banking User Guide.

     

     
     
     
     
  • How do I reset my Internet Banking password?

    If you have forgotten your Internet Banking password, you can reset it by going to the Login page > Reset Your Password

    You will need to enter the personal details we have on record for you, then we will send you a temporary password your registered mobile number. You will need to change the temporary password upon first logging in. 

    If you need more help, please call 13 25 77 or visit your local branch and one of our friendly team will be happy to assist.

    You may also be interested in : 

    How do I change my Internet Banking Password

    Internet Banking User Guide

  • How do I increase my Internet Banking transfer limit?

    To increase your Internet Banking Transfer/Pay limit, log in to Internet banking and go to  Settings > Transaction Limits.  Your request will be sent to our consultants who will process your request within 4 working hours and then send you a notification when your increase has been processed.

  • How do I print my transaction history?

    You can print your transaction history by clicking on the print icon at the bottom of the transaction listing of the balances screen. You will be offered a variety of standard digital formats additionally by clicking the printer icon you can either print or save the document in PDF format by changing the printer destination setting.

    For more information read our Internet Banking User guide.

  • How can I search for a transaction type in Internet Banking?

    To search for a specific transaction type in Internet Banking;

    • Go to Accounts > Transaction history.
    • Select the Advanced Search icon to see all the available search options.  
    • Select Filter by and choose from the drop down the type of transaction you are searching for.
    • You can also search by date and amount to refine your search.

    For more information read our Internet Banking User guide.

  • How do I change my Internet Banking password?

    If you know your existing your existing Internet Banking password you can change it via Internet banking, go to Settings > Change Password.

    If you have forgotten your password you can reset it online. Please see How do I reset my Internet banking password. 

    If you need more help, please call 13 25 77 or visit your local branch and one of our friendly team will be happy to assist.

     

  • Why do I need to use Secure SMS?

    Our Internet Banking has a range of security measures in place including, but not limited to Secure SMS, which is our preferred second factor authentication method.

    Secure SMS sends a one off security code to your registered mobile phone number to ensure you have requested and can validate certain transactions out of your accounts.

     

  • What is a Security Password?

    A security password is an alpha-numeric code that you use to authorise Internet banking transactions when Secure SMS is not an option. This may be if you are travelling overseas or have lost your mobile phone and unable to receive SMS messages. 

    To set up a security password, first you'll need to deregister from Secure SMS by going to Services > Deregister Secure SMS. Next go to Services > Register Security Password to create your new Security Password.

    If you would like assistance to set up your Security Password please call 13 25 77 (+61 8 9219 7609 from overseas) between 8am and 6pm WST Monday to Friday and 9am and 5pm WST Saturdays.

    You may also be interested in: 
    I have forgotten my security password
    Why do I need to use Secure SMS
     

  • Where do I find my saved payees?

    You can find your saved payees or favourites in both our Mobile Banking App and Internet banking service. 

    Mobile Banking App
    Navigate to Pay Member or Pay Anyone or BPAY and click the "contact card" icon to reveal your saved payees

    Internet Banking
    Navigate to Transfer / Pay and select either Pay Member or Pay Anyone or BPAY. Your saved payees or favourites are displayed in the panel on the right. 

    For more information please read our Internet Banking User Guide.

  • Can I reorder the way my accounts are presented?

    Yes, you can reorder the way your accounts are presented in both our Mobile App and Internet Banking. 

    Mobile Banking App
    Within the accounts page select Edit on top of the page and then you can drag and drop accounts in order of preference.

    Internet Banking
    Go to Settings > Reorder accounts. Drag and drop your accounts to how you would like them displayed then Save your changes.

    For more information please read our Internet Banking User Guide.

  • Can I export my transaction history?

    To export your Transaction History using Internet Banking go to Accounts > Transaction History.

    Search for and display your required transaction history and then click on the download icon at the bottom of your screen.

    Transaction history is able to be exported through the following formats:  Excel (XLS), Comma Separated Value (CSV) Open Financial eXchange (OFS) and Quicken Interchange.  Additionally by clicking the printer icon you can either print or save the document in PDF format by changing the printer destination setting.

    For more information read our Internet Banking User guide.

  • What do the different options to transfer funds within Internet Banking and the Mobile App mean?

    There are only two options for transfers, being the option to Transfer or Pay Someone. 

    If you wish to transfer funds between your own accounts, please select the transfer option.

    If you want to send money to any other account, you now select Pay Someone. If you wish to pay someone that also banks with P&N (previously done via Pay Member) please use the P&N Bank BSB 806-015. The payment will be transferred immediately.

    Our Internet Banking or Mobile App will automatically work out whether the payment can go by Osko, arriving faster. 
     

  • What are the minimum system requirements to use internet banking?

    The minimum system requirements for the safe use of internet banking are updated regularly and are available on our system requirements.

  • How do I set up a PayID?

    If you wish to register a PayID, this can be done through your Internet Banking under Accounts > Manage Pay IDs or in the Mobile App under Pay > Manage PayID.

    More information on making faster payments through Osko.

  • What are eStatements?

    e-Statements are a PDF version of your bank account statement, accessed via through Internet banking.  Once registered for e-statements you will no longer receive paper statements, however you can change your preferences anytime. 
     
    e-Statements are provided for free and we will send you an email when a new e-statement is available for viewing.

  • Can I create account nicknames in Internet Banking?

    You can personalise the names of your accounts to appear in Internet Banking. They are helpful to budget and keep track of your finances, especially when you have a lot of accounts.

    Log in to Internet Banking, go to Settings > Account preferences. Select the account you wish to change and enter the preferred account name.

    These changes will also display if you are using the Mobile Banking App but will not appear on your statements.  

    For more information please read our Internet Banking User Guide.

  • How do I register for eStatements?

    To register for eStatements, log in to Internet Banking and go to Services > Manage eStatements. Select the option Register for eStatements, review and accept the terms and conditions.
     
    To view your current and all previous statements go to Services > View eStatements. 

    For more information read our Internet Banking User guide.

  • How can I change or remove the name I've set up for my account?

    Log in to Internet Banking and go to Settings then Account preferences. Under Preferred account name select the account you wish to change, to revert the account name back to the orginally set default account product type simply delete the custom name set and save.

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