To use this website you are required to read the Financial Services Guide (which you agree to be provided by accessing this link) and the Credit Guide (which you agree to be provided by accessing this link).
Any advice given is general only and does not take into account your personal objectives, financial situation or needs. Please therefore consider whether it is appropriate for you. Please read the relevant Terms and Conditions (T&Cs) when considering whether a product is right for you.
Unless otherwise stated P&N Bank is the product issuer. Rates stated are subject to change without notice. Fees and charges are payable. Lending Criteria applies to the approval of credit products and Terms and Conditions are applicable which are available on request.
The Design and Distribution Obligations (DDO) require issuers and distributors of financial products including accounts, home loans, personal loans, credit cards, and insurance to have a customer centric approach to the design and distribution of their products, to help customers obtain financial products that are appropriate for their needs.
P&N Bank is the issuer and distributor of our banking products. We also distribute some products in partnership with other issuers for the benefit of our members – such as the insurance products we provide.
DDO requires a Target Market Determination (TMD) for all of our Consumer products. A TMD is a document which describes who a product is likely appropriate for, and how the product may be distributed. A copy of any of our TMDs is available on request. To obtain a TMD for a product you can message or email us, call 13 25 77, or visit your local branch.
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