Pay&Save
Automatically round up your in store or online purchases to the nearest dollar with an & Transaction Account, and save the difference with P&N Bank.
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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.
No monthly fee
$0
Visa Debit card
Includes payWave
Faster payments
Send and receive money in near real time
An everyday transaction account where you can enjoy fee-free transactions and a range of convenient payment options to suit the way you spend.
An early morning coffee. Filling up on fuel. A quick lunch with friends. We all swipe our debit cards to make everyday purchases like these. Now, with Pay&Save, when you use your & Transaction Account, you can round up these purchases to the nearest dollar – and save the difference into a P&N savings account. Find out about Pay&Save.
mymo is P&N Bank's budgeting app, and your personal financial assistant.
Link all your accounts from all financial institutions, and 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. Learn more about mymo.
Product Name | Tier | Rate | Interest Calculated | Interest Credited |
---|---|---|---|---|
& Transaction Account | > $0 | n/a | Daily balance | N/A |
Account fees & charges | |
Monthly Base Balance Fee | Nil |
Base Balance | None |
Unlimited Free Transactions |
|
Transaction fees & charges | |
Bank@Post™ withdrawal1 | $3.00 per transaction |
Cheque withdrawal | Not available |
The table above covers fees and charges related to this product.
Other fees & charges that apply to all of our accounts can be found on our fees and charges page.
¹ Bank@Post™ deposits and withdrawals are available only with a P&N ATM Card or VISA Card. Cheques must be made out in the name of the cardholder to be accepted at Bank@Post™ and are subject to 4 working days clearance.
® Registered to BPAY Pty Ltd ABN 69 079 137 518
It’s easy to apply for an & Transaction Account with P&N Bank.
Apply online
If you're 18 years of age with Internet banking access you can Log In and go to Apply. You can open an &Transaction account and a range of other savings and term deposit accounts in minutes.
Over the phone
Call us on 13 25 77 and one of our friendly consultants can assist you.
In person
Apply for a bank account at your nearest branch.
Apply online
If you are not an existing P&N Bank member you can open your account online.
To apply for an account online you must:
To open a new account you must become a P&N Bank member.
You don’t have to quote your Tax File Number or claim an exemption, however, if you don’t, you could have withholding tax deducted from any interest credited. You can supply your Tax File Number at any time by visiting a branch or contacting us.
In person
Apply for a bank account at your nearest branch. You must be 12 years of age or older.
If you’re joining as a brand new member, you need your Australian driver's licence or a valid passport. You can also use one form of primary ID without your photo (eg. your birth certificate or citizenship papers) with one form of secondary ID (eg. your most recent power bill). Original and certified copies of documents are accepted.
View the Terms and Conditions
View the Interest Rate Schedule
Target Market Determinations (TMDs) are available for products.
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