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For everyone

Wherever you are on your financial journey, we’ve got you covered.

For you

A range of accounts and products to choose from. Competitive rates. Low (or no!) fees.

For life

Call us. Chat online. Visit a branch. Our home lending team will even come to you.

For good

We use our profits to improve our services and benefit the WA community.

Doing more for the WA community. Together.

We’ve been committed to the WA community for more than 50 years, since starting out back in 1969 as the Western Australian Police Union Cooperative Credit Union Society Limited (quite the mouthful). Through community initiatives, sponsorships and grants we’ve helped countless West Aussies and community groups over the years.

Today, with a much snappier name, we offer a broad range of banking products and services that are open to everyone. And we mean everyone. Whatever your age, background, or financial goals, as a customer-owned bank we’re here to make it as easy as possible for you to do all the things you want in life.

And that’s why our customers love us. So much so, we recently won “Best Customer Service” and “Most Recommended Customer-Owned Bank” DBM awards. So, we know we’re doing something right!

Learn more about us

Why join P&N Bank?

As Western Australia's largest customer-owned bank, our primary focus is on you. We’re committed to making it easier for you to reach your financial goals, and that’s why we reinvest our profits back into our products and services. But it’s not just about your banking; it’s about empowering you to take control of your finances.

With local branches spread across WA – and yes, some of them are even open on Saturdays – plus our Perth-based contact centre that’s open six days a week, we’re available to support you both in person and over the phone.

We’re a community-focused, customer-centric bank. And we just wouldn’t be the same without you.

Join us – it's easy!

Ask us about us. We’re an open book.

You can join P&N Bank in a matter of minutes by opening an everyday account or savings account online. Alternatively, you can visit us in-branch.

You can also join P&N Bank by applying for and taking out a personal loan, credit card or home loan. More details about How to apply are available on our product pages.

Learn more about Joining P&N Bank

You can easily open an account online in a matter of minutes, even if you’re not already a P&N customer.

If you’re new to P&N, you’ll need to be at least 18 years old and have two forms of ID to open your account online. You can open most everyday or 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 online by going to ‘Apply’ in internet banking or ‘Open account’ in the mobile app.

Open an account online

P&N Bank is a 'customer owned' bank which 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.

P&N Bank, a division of Police & Nurses Limited is an authorised deposit-taking institution (ADI) and regulated to the same high standards as the major banks by such government agencies as APRA, ASIC, AUSTRAC and the ACCC.

The Financial Claims Scheme (FCS) is an Australian government scheme that provides protection and quick access to deposits in banks, building societies and credit unions in the unlikely event that one of these financial institutions fails.

Under the FCS, certain deposits are protected up to a limit of $250,000 for each account holder at any bank, building society, credit union or other ADI that is incorporated in Australia and authorised by the Australian Prudential Regulation Authority (APRA).

Find out when the FCS would come into effect

More information on the Financial Claims Scheme is available on the FCS website.



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