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BSB 806 015

Everyday bank accounts

Our range of everyday transaction accounts have no monthly fees, which means you get to keep more of your money for the things that matter.

Easily access your everyday account with a Visa Debit card and Visa payWave. Keep track of your spending too, with Internet Banking and Mobile App access.

Everyday accounts to suit everyone

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Product name

Overview

Monthly fee

Card access

Fee free transactions

Special requirements

 

An everyday bank account packed with a range of features to suit the way you spend. Get an instant digital card, faster payments and much more.

Monthly fee

Nil

Card access

Fee free transactions

Special requirements

None

Learn more

Apply
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Manage your money effectively by putting aside funds for regular expenses

Monthly fee

Nil

Card access

Fee free transactions

Special requirements

A P&N Bank everyday account is also required if you require card access.

Learn more

Apply
Remove

An account for the over 55's with a competitive variable interest rate and convenient card access. Plus the benefits of the optional & Retirement Rewards products.

Monthly fee

Nil

Card access

Fee free transactions

Special requirements

*One of the account holders must be at least 55 years of age to open. Members may hold a maximum of one single account and one joint account.

Learn more

Apply
Remove

A fee free transaction account for those with an eligible Commonwealth Government concession card.

Monthly fee

Nil

Card access

Fee free transactions

Special requirements

Must hold an eligible Commonwealth Government concession card.

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More reasons to choose a P&N Bank everyday account

Added security

With a Visa Debit card you have the option of pressing credit instead of savings while making your purchases, so you'll be covered by Visa's Zero Liability Policy and Verified by Visa fraud monitoring service.

ATM network

Enjoy free and convenient access to your money at all major bank ATMs across Australia, including the atmx by Armaguard network.

Save faster

If you have a goal in mind such as saving for a holiday, a separate savings account can benefit you with competitive interest rates that will help you get there faster. Find out more about our savings accounts and make the comparison to ensure you're choosing the best account to suit your needs.

Studying?

Managing your money while you're studying can be hard, so that's why we offer our Student Account. With no monthly fees and a range of fee-free transactions, you'll have more money to put towards the things you need.

Open an everyday account in minutes

Interested in an everyday transaction account with P&N Bank? Open a bank account with us in no time at all.

Our everyday accounts are free of monthly account fees and feature instant card access along with fee free transactions. Our Visa Debit cards can be added to a digital wallet for contactless payments through Apple Pay, Google Pay and Samsung Pay.

  • For existing members

    If you’re an existing P&N Bank member, over 18 years, and have access to Internet Banking, simply log in, go to 'Apply' and select your ideal everyday account.

    You can also call a friendly consultant on 13 25 77 for support, or visit your nearest P&N Bank branch to open an account.

  • For new members

    If you’re new to P&N Bank, you can apply for membership and open an everyday transaction with us online in minutes. Before applying, ensure that you meet the following criteria:

    • 18 years and over
    • an individual, not a business
    • an Australian resident with a current Australian residential address
    • have valid Australian identification documents (driver's license, passport, Medicare card)

    It may also be helpful to have your Tax File Number (TFN) ready to add to your application details so that you do not have withholding tax deducted from any interest earned on your account.

Did you know we have a budgeting app?

Meet mymo by P&N Bank

mymo is P&N Bank's budgeting app, and your personal financial assistant.

Be empowered to better manage your income and expenses. With access to a complete overview of your accounts in one place, mymo will help you keep your spending (and saving!) on track.

Link all your accounts from all your financial institutions to get the full picture – that includes your income, spending, bills and savings.

Learn more about mymo

Frequently asked questions

  • What type of bank account is best for everyday banking?

    The best everyday bank account for you depends on your financial circumstances and personal objectives. Each bank offers everyday banking accounts with different features and benefits. For example, some may require you to pay a monthly account keeping fee, while others have international transaction fees.

    P&N Bank offers a selection of everyday bank accounts suitable for account holders of any age. None of our everyday bank accounts have a monthly account keeping fee, and they offer bank-on-the-go services such as an instant Visa Debit card, Mobile App access, BPAY, and instant payments with Osko.

  • What features should I look for in an everyday account?

    Many everyday accounts have a range of fee free options; however, some accounts may charge monthly fees or fees for certain types of transactions. You should look for an account that suits your access needs that also has minimal ongoing fees and charges to keep more of your money in your pocket (or in this case, in your account).

  • Why get an everyday account?

    Everyday accounts usually come with a range of low-cost access options. These can include access to a Visa Debit or ATM card for EFTPOS payments and ATM withdrawals, as well as access to services such as Osko instant payments, BPAY and Internet Banking. Access to these services makes them a convenient account to manage regular incoming payments and outgoing expenses.

  • What is the difference between an everyday account and a savings account?

    An everyday or transaction accounts is a type of bank account that you can make deposits to and withdrawals or payments from for your everyday needs, while a savings account may have certain requirements you need to meet in exchange for higher interest rates. Everyday bank accounts are more accessible and are better suited for day-to-day use.

  • Are there any fees charged on everyday accounts?

    The transaction accounts that P&N Bank offer have no monthly fees and minimal transaction fees. A full list of fees and charges that apply to our accounts can be found on our fees and charges page.

  • How can I open a new everyday bank account?

    Opening a bank account with P&N Bank is quick and easy. For both existing and new members, you can apply online or in person at a one of our branches.

  • How do I close my everyday or savings account with P&N Bank?

    You can close your P&N Bank account by:

    • calling us during business hours on 13 25 77, or +61 8 9219 7609 if you’re overseas
    • getting in touch via WebChat, and logging into your Internet Banking so that we can confirm your identity, or
    • visiting your local branch with identification.

    If the account is two-to-sign, we will need to speak with both account holders before we can close it.

    Before closing your account, you should ensure that all recurring payments and direct debits set up from the account are cancelled and any overdrawn balance is cleared in full.

Not what you're looking for?

Banking products issued by Police & Nurses Limited (P&N Bank) ABN 69 087 651 876 AFSL/Australian Credit Licence 240701. Any advice does not take into account your objectives, financial situation or needs. Read the relevant Product Terms and Conditions before acquiring this product in considering and deciding whether it is right for you. Target Market Determinations (TMDs) are available for products. Non-standard transaction fees may apply. 

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