P&N Bank has announced interest rate changes following the Reserve Bank of Australia’s (RBA) decision to increase the official cash rate by 0.25% p.a. to 3.85% on 3 February 2026.
As a customer-owned bank our customers are our priority, so we strive to achieve the right balance between the needs of borrowers and depositors when reviewing interest rates.
Home loans and personal loans
P&N Bank will increase all our variable home loan and variable personal loan interest rates by 0.25% p.a., effective 18 February 2026. Customers will receive communications with details relating to their specific loans in the coming weeks.
Deposits customers
We are currently reviewing the interest rates for our savings products and will provide an update shortly.
Our aim is to keep our rates as competitive as possible to benefit all customers, and offer support when it comes to their finances. If you require assistance with your home loan repayments, please contact us to learn about the options available to you.
We’re here to help
If you have any questions or need more information, please contact us via live chat on the P&N website, log in to internet banking to send us a secure message, call us on 13 25 77, or email us at info@pnbank.com.au (general enquiries only).