Budget Planner Calculator
Discover our easy to use budget calculator and budget planner. Enter your annual income and expenses to assess your financial position.
Manage your money effectively by putting aside funds for regular expenses
Monthly Fee
$0
Card Access
Link to any of your P&N cards
Faster payments
Send and receive money in near real time
A P&N Bank Budgeting Account is the ideal banking solution for managing your finances. Use it to put aside money from your everyday transaction account and stay on top of your regular bill and expenses.
Product Name | Tier |
Rate
(Variable) |
Interest Calculated | Interest Credited |
---|---|---|---|---|
Budgeting Account | $0 - $99,999 | 0.01% p.a. | Minimum monthly balance | Last day of every month |
Budgeting Account | > $100,000 | 0.05% p.a. | Minimum monthly balance | Last day of every month |
Account fees & charges | |
Monthly Base Balance Fee | Nil |
Base Balance | None |
Unlimited Free Transactions |
|
Transaction fees & charges | |
EFTPOS transaction | $1.25 * |
Member cheque | $1.25 * |
Direct debit | $1.25 * |
[email protected]™ withdrawal1 | $3.00 per transaction |
* First 6 transactions (combined) per month free |
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 [email protected]™ deposits and withdrawals are available only with an P&N ATM Card or VISA Card. Cheques must be made out in the name of the cardholder to be accepted at [email protected]™ and are subject to 4 working days clearance.
® Registered to BPAY Pty Ltd ABN 69 079 137 518
It’s easy to apply for a Budgeting 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 Product Disclosure Statement
View the Interest Rate Schedule
We'd like to use your current location
For a more localised experience please enter your location below...
Set your location for a more localised experience.