When you open a Hi Saver account and maintain a balance of $5,000 or more, you can earn bonus interest at the variable Bonus Interest Rate for the first 4 months on top of the variable standard rate.

• Bonus interest rate - Open an account and maintain a minimum account balance of $5,000 and earn a variable Bonus Interest Rate for the first 4 months.
• Automatically save - with P&N's Pay&Save. Link to an & Transaction Account with Pay&Save and you can round up Visa Debit purchases to the nearest dollar – and save the difference into your Hi Saver account.
• No account fees - and no minimum opening balance.
• No strings attached - No regular deposits required and you're not locked into a fixed term.
• Fee free transactions - Keep more of your money in your pocket. A range of fee free transactions are included in your Hi Saver Account.
• Easy Access -  Access your funds 24/7 via Internet banking, Mobile App, Phone banking, SMS banking and more.

Hi Saver Account fees & charges

It’s easy to apply for a Hi Saver Account with P&N Bank.

For existing members:

Apply online

If you're 18 years of age with Internet banking access you can Log in and go to Apply. You can open a Hi Saver 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.

For new members:

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:

• be 18 years of age
• be an individual
• be an Australian resident with a current Australian residential address, and
• have two forms of identification, either an Australian Drivers Licence, Australian Passport or Medicare card.

To open a new account you must become a P&N Bank member by buying a $10 share. You don't have to pay anything straight away, we'll deduct this from your account after you're set up.

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.