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.
View our everyday accounts View our savings accounts
Bank Services |
Fee |
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 |
Cards |
Fee |
Card Replacement Fee For the replacement of 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 |
RTGS and Foreign Currency |
Fee |
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 Collected by Cuscal Limited and distributed as follows: 1% paid to Police and Nurses Limited Payable when you make a transaction using your Visa Credit or Visa Debit card:
Please note: It may also not always be clear that the merchant or its financial/ payment processor is located or registered outside Australia. |
3% of the transaction’s value in AUD |
Dishonour fees |
Fee |
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 |
Audit Certificate Fee |
$25.00 |
Bank@Post Withdrawal Fee |
$3.00 |
Manual Trace Fee |
$40.00 |
Statement Retrieval Fee Statement retrieval if more than 12 months old. |
|
1st page |
$6.00 |
Each subsequent page |
$1.50 |
P&N can change the standard fees and charges that apply to accounts from time to time. Please refer to the Everyday and Savings Accounts Terms & Conditions for notification requirements.