BSB 806 015

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BSB 806 015

Fees & Charges

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
1% retained by Cuscal
1% paid to Visa International

Payable when you make a transaction using your Visa Credit or Visa Debit card:

  • in a foreign currency using either online or at a merchant point of sale (irrespective of where the transaction occurs); or
  • in Australian Dollars when either the merchant or its financial institution/ payment processor is located overseas.

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

Download a copy of our Fees and Charges

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.

The following fees and charges apply to all Home Loans.

These should be read in conjunction with the fees and charges specified for the product on their individual product pages.

View our Home Loans

Administration charges

Valuation fee First valuation is free, additional valuations at cost to P&N*
Lenders Mortgage Insurance At cost to P&N*
Legal fee At cost to P&N*
Production fee for a third party to produce a document At cost to P&N*
Bank cheques At cost to P&N*
Title consent fee $105
Title search administration fee (per loan) $25
Discharge of mortgage
- Without settlement (per document) $350
- With settlement (per document) $395
Withdrawal of caveat
- Without settlement (per document) $55
- With settlement (per document) $160

Construction Loan charges

Construction progress payments fee
(per drawdown)
$50
Progress payment inspection fee (per inspection) $99

* At cost to P&N refers to costs incurred by P&N Bank resulting from the provision of a product or service requested by the member, which will be passed on to the member.

Variation to Home Loan contract

Partial Security release $105
Transfer of Security $105
Loan account switch fee $300

General Fees

Over limit Management Fee

During the month an Overdraft or Line of Credit Account exceeds the approved limit by more than $50, a $10 fee will be charged.

Late Payment Notification Fee

When payment to a Home Loan becomes overdue by 11 days and 30 days, we reserve the right to charge a $5 fee.

Management Administration Fee

When payment to a Home Loan becomes overdue by more than 90 days, we reserve the right to charge a $50 monthly fee

Collection Agent Administration Fee

Payable when you are in arrears for more than 90 days and we choose to engage an external collection agent, we reserve the right to charge a $100 fee

Statement of account reissue fee

Payable on request to issue a copy of a previously issued statement

1st page $6.00
Each subsequent page $1.50

External dishonour fee

Direct debit $6
Electronic payment return fee $0
Manual Trace $40

Government Charges

State and Federal Governments apply various charges relating to the loan amount, Security, purchase of Property and Property Settlement, for example:

  • Stamp duty
  • Registration/discharge of Securities
  • Duty on duplicate documents
  • Searches of land titles

Where applicable these fees and charges are payable by yourself in addition to those shown above.

Further details of applicable government charges are available upon request at any P&N branch.

P&N can change the standard fees and charges that apply to Loan Accounts from time to time. Please refer to the terms of your credit contract.

The following fees and charges apply to all Personal Loans.

These should be read in conjunction with the fees and charges specified for the product on their individual product pages.

View our Personal Loans

Administration charges

Loan establishment fee $199
Goods security administration fee (per vehicle) $20
Monthly maintenance fee $5

General Fees

Late Payment Notification Fee

When payment to a Personal Loan becomes overdue by 11 days and 30 days, we reserve the right to charge a $5 fee.

Notice of Demand Fee

When payment to a Personal Loan becomes overdue by 46 days, we reserve the right to charge a $75 fee.

Management Administration Fee

When payment to a Personal Loan becomes overdue by more than 90 days, we reserve the right to charge a $50 monthly fee

Collection Agent Administration Fee

Payable when you are in arrears for more than 90 days and we choose to engage an external collection agent, we reserve the right to charge a $100 fee

Statement of account reissue fee

Payable on request to issue a copy of a previously issued statement

1st page $6.00
Each subsequent page $1.50

External dishonour fee

Direct debit $6
Manual Trace $40

Government Charges

State and Federal Governments apply various charges relating to the loan amount, Security, purchase of Property and Property Settlement, for example:

  • Stamp duty
  • Registration/discharge of Securities
  • Duty on duplicate documents
  • Searches of land titles

Where applicable these fees and charges are payable by yourself in addition to those shown above.

Further details of applicable government charges are available upon request at any P&N branch.

P&N can change the standard fees and charges that apply to Loan Accounts from time to time. Please refer to the terms of your credit contract.

The following fees and charges apply to all Credit Cards.

These should be read in conjunction with the fees and charges specified for the product on their individual product pages.

View our Credit Cards

Card Fees

Cash advance fee (domestic and overseas) $5
Foreign currency conversion fee (payable for all transactions made in a foreign currency) 3% of value of transaction
Replacement of lost or damaged card (in Australia) - Standard $10
Replacement of lost, stolen or damaged card (in Australia) - Urgent $50
Emergency replacement of lost, stolen or damaged Visa credit card while Overseas - Approved (free for Platinum Card Holders)  $320
Emergency replacement of lost, stolen or damaged Visa credit card while Overseas - Declined (free for Platinum Card Holders)  $70
Bank@post withdrawal fee $3
VISA voucher retrieval $20

General Fees

Late Payment Notification Fee

When payment to a Credit Card becomes overdue by 11 days and 30 days, we reserve the right to charge a $5 fee.

Notice of Demand Fee

When payment to a Credit Card becomes overdue by 46 days, we reserve the right to charge a $75 fee.

Management Administration Fee

When payment to a Credit Card becomes overdue by more than 90 days, we reserve the right to charge a $50 monthly fee

Collection Agent Administration Fee

Payable when you are in arrears for more than 90 days and we choose to engage an external collection agent, we reserve the right to charge a $100 fee

Statement of account reissue fee

Payable on request to issue a copy of a previously issued statement

1st page $6.00
Each subsequent page $1.50

Other account fees and charges

VISA chargeback $25
Duplicate statement
- First page $6
- Every page thereafter $1.50
VISA voucher retrieval $20

 

P&N can change the standard fees and charges that apply to Loan Accounts from time to time. Please refer to the terms of your credit contract.

The following fees and charges apply to P&N Bank business loans.

These should be read in conjunction with the fees and charges specified for the product in your agreement schedule.

Administration charges

Establishment fees
- Application fee Negotiated
- Solicitor's fee At cost to P&N Bank*
- Valuation fee At cost to P&N Bank*
- Production fee for a third party to produce a document At cost to P&N Bank*
- Bank cheques At cost to P&N Bank*
Administration fees
- Commercial loan administration fee $75 per month
- Annual review fee $250
- Line fee Negotiated
- Title consent fee $105
Construction loan fees
- Construction progress payments fee (per claim) $150
- Total progress payment inspection fees At cost to P&N Bank*
Variation of contract fees
- Top up fee Negotiated
- Partial security release Negotiated
Discharge of mortgage
- Without settlement $350
- With settlement $395
Withdrawal of caveat
- Without settlement $55
- With settlement $160

*At cost to P&N refers to costs incurred by P&N Bank resulting from the provision of a product or service requested by the member and are not ascertainable before application, which will be passed on to the member.

General Fees

Overlimit management fee

If an overdraft or line of credit account exceeds the approved limit by more than $50 within the month, a $10 fee will be charged at the end of the month.

Late payment notification fee

When payment to a commercial loan becomes overdue by 11 days and 30 days, we reserve the right to charge a $5 fee.

Management administration fee

When payment to a commercial loan becomes overdue by more than 90 days, we reserve the right to charge a $50 monthly fee

Collection Agent administration fee

Payable when you are in arrears for more than 90 days and we choose to engage an external collection agent, we reserve the right to charge a $100 fee.

Statement of account reissue fee

Payable on request to issue a copy of a previously issued statement

1st page $6.00
Each subsequent page $1.50

External dishonour fee

Direct debit $6
Electronic payment return fee $0
Manual trace $40

Government charges

State and federal governments apply various charges relating to the loan amount, security, purchase of property and property settlement, for example:

  • Stamp duty
  • Registration/discharge of securities
  • Duty on duplicate documents
  • Searches of land titles

Where applicable these fees and charges are payable by yourself in addition to those shown above.

Further details of applicable government charges are available upon request at any P&N branch or from your Relationship Manager.

P&N can change the standard fees and charges that apply to Loan Accounts from time to time. Please refer to the terms of your credit contract.

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