BSB 806 015

To give you the best possible experience, this site uses cookies. Learn more about cookies.

BSB 806 015

Frequently Asked Questions



  • How do I manage a deceased estate?

    When someone close to you passes away, it is a difficult time. If they named you in their Will as the executor of their estate, you may also have the added stress of managing a complex list of tasks. With so much to do, it's hard to know where to start. 

    One of the first things to do is to let us know as soon as possible so we can start to assist in organising the accounts of the deceased’s estate. You can notify us by calling our contact centre on 13 25 77 or you may prefer to visit your local branch.

    You will be required to provide original or certified copies of the following documents; 

    • Death Certificate 
    • Will (if applicable)
    • Identification of the administrator/s or executor/s.

    Once you have been identified as the appropriate person to administer the deceased’s estate, we will provide you further information on what is required in order to settle the accounts.

    Further information on how to manage a deceased estate is available on our website.


  • Where do I find the Terms and Conditions on your website?

    Our Terms and Conditions can be found here.

  • Who does the Foreign Account Tax Compliance Act (FATCA) apply to?

    FATCA applies to any US citizen or resident of the US for tax purposes. These include:

    • Anyone born in the US (who has not renounced their US citizenship)
    • A US citizen (including persons with dual or multiple citizenships)
    • US lawful permanent residents (e.g. green card holders).

    If you are unsure whether this applies to you we recommend you seek professional advice from a qualified tax professional or if you would like more information, please refer to the ATO website.


  • What is a credit report and how does this impact me as a member?

    A credit report will provide us with information about you that is held by the Credit Reporting Bodies (CRB) and which has any bearing on your creditworthiness. We may use this information to arrive at our own assessment of your creditworthiness.

    Further, to enable us to verify your identity, we may disclose your name, date of birth and residential address to a CRB for the purpose of obtaining an assessment of whether that personal information matches information held by the CRB.

    We may disclose to a CRB any failure by you to meet your payment obligations in relation to consumer credit and the fact that you have committed fraud or other serious credit infringement.

    You can read more about how we exchange information with CRB in our Privacy Policy.

  • If I want a copy of all personal information you hold on me, how can I get this?

    You may request access to the information we hold about you at any time by contacting the Member Advocate on 13 25 77 or at [email protected]. We will respond to your request within a reasonable time. 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 will 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.

  • How do I get a copy of P&N's Privacy Policy?

    Our Privacy Policy is available here.

    Alternatively, please call 13 25 77 or visit your local branch and one of our friendly team will be happy to assist.

  • What information is gathered for the Foreign Account Tax Compliance Act (FATCA)?

    P&N Bank is obligated to report information about U.S taxpayers to the Australian Taxation Office (ATO), who will pass this information onto the U.S Internal Revenue Service (IRS). The information reported to the ATO will typically be of a personal nature (e.g. name, address, U.S taxpayer identification number(TIN)) and of a financial nature (e.g. account number, account balance, amounts paid into the account).

    If any account meets the relevant FATCA US indicators P&N Bank will attempt to contact them to update their details accordingly. Members who do not provide the requested tax information will be counted as a U.S taxpayer and their details will then be sent to the ATO to be passed onto the IRS.

    If you would like more information, please refer to the ATO website.

  • What is the Foreign Account Tax Compliance Act (FATCA)?

    The Foreign Account Tax Compliance Act (FATCA) is a piece of legislation introduced by the United States Government which introduces a reporting regime for tax purposes for financial institutions with respect to certain accounts.  In Australia, the principles of FATCA have been introduced by an agreement between the Australian and US Governments.

    FATCA legislation affects both personal and non-personal deposit account customers with links to the US. Existing members will be required to “self-certify” their status for FATCA purposes and new members will have their information taken at the time of application.  If any account meets the relevant FATCA US indicators P&N Bank is required to report this information to the ATO.

    If you would like more information, please refer to the ATO website.

We'd like to use your current location

For a more localised experience please enter your location below...


Set your location for a more localised experience.