Fee-free bank accounts
Visa Debit card
Free cash withdrawals
Bank online, 24/7
Everyday accounts for everybody
& Transaction Account
A simple to use everyday bank account with unlimited free standard transactions for your everyday spending.
- No monthly fees
- Visa Debit Card available
- Instant digital card when you open an account online
- Interest paid on your balance
- Pay&Save to round up purchases and grow your savings
Momentum Account
An interest-earning everyday account for your daily spending, available exclusively to those over 55.
- No monthly fees
- Visa Debit card available
- Instant digital card when you open an account online
- Interest paid on your balance
- Pay&Save to round up purchases and grow your savings
Concession Account
A low-cost transaction account designed specifically for eligible Commonwealth Government concession card holders.
- No monthly fees
- Visa Debit card available
- Instant digital card when you open an account online
- Interest paid on your balance
- Pay&Save to round up purchases and grow your savings
Level up your everyday banking with us
Digital wallets
Sick of bulky wallets? Pay with your phone using your digital card.
Mobile app
Check your balance, transfer money and pay your bills (or your mates). Our mobile app has loads of features to make banking on the go easy as.
Financial blog articles
No matter where you are on your financial journey – even if you're only just starting it – our blog can help.
Open a bank account online in minutes
To open an account online, you'll need to be:
New customer
Existing customer
Already bank with us?
You can open a new account through the mobile app or internet banking – no additional ID required.
Open an account online
To open an account online, you’ll need to:
- Be at least 18 years old
- Be an Australian resident – you must live in Australia with an Australian residential address
- Be applying as an individual (not a business or association)
- Have two forms of ID from the following:
- Western Australian driver’s licence
- Australian passport
- Green Medicare card
We also recommend having your tax file number (TFN) ready. If you earn more interest than the limit set by the ATO and you haven’t provided us with your TFN, withholding tax may be deducted from the interest you earn.
If you don’t meet the eligibility requirements to open an account online, you can still open an account at one of our branches.
Open an account in a branch
If you’d rather see a friendly face in person, or don’t meet the eligibility requirements to open an account online, drop into one of our branches. Make sure you bring the required documents with you so we can set up your account.
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Important information
Banking and Credit products issued by Police & Nurses Limited (P&N Bank).
Any information on this website is general in nature and does not consider your personal needs, objectives or financial situation. Our rates are current as of today and can change at any time. Eligibility criteria, terms & conditions, fees & charges apply.
Read the relevant product terms and conditions before deciding if a product is right for you.
Deposits may be guaranteed by the Australian Government’s Financial Claims Scheme, which is a government-backed safety net for deposits of up to $250,000 (per account holder per Authorised Deposit-taking Institution).
1. Savvy Saver Account
Bonus interest payable on balances up to $100,000 when during the calendar month:
- at least $500 from an external account is deposited (excluding ATM withdrawals, balance enquiries and transfers, direct debits, Bank@Post™ transactions, BPAY payments and uncleared transactions) into your P&N & Transaction Account(s); and
- you make at least 5 eligible Visa card transactions (excluding ATM withdrawals, balance enquiries and transfers, direct debits, Bank@Post™ transactions, BPAY payments and uncleared transactions) from a linked P&N & Transaction Account.
Standard rate applies if conditions not met. Interest applies to Savvy Saver Account balance only, & Transaction Account balance not included.
You may hold a maximum of one Savvy Saver Account only, either as a single account holder or joint account holder.
BPAY® is registered to BPAY Pty Ltd ABN 69 079 137 518.
Bank@Post is an agency service provided by Australia Post on behalf of over 80 financial institutions.
Bank@Post™ deposits and withdrawals are available only with a P&N VISA Card. Cheques must be made out in the name of the cardholder to be accepted at Bank@Post™ and require a minimum of 7 business days for clearance.
2. Hi Saver Account
An introductory bonus rate will apply on balances up to $5m per account for the first 4 months, in addition to the standard rate from the account opening date.
At the end of the introductory period the standard interest rate at that time will apply.
A customer may hold a maximum of one Hi Saver Account as a single account holder and one Hi Saver Account as a joint account holder. You may apply to open a Hi Saver Account 12 months from the date of closing any previously owned Hi Saver Account as a single or joint account holder.