BSB 806 015

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BSB 806 015


Automatically build your savings.

& Transaction Account

with Debit card

Round up purchases

to the nearest $1, $5, or $10

Save automatically

to nominated savings account

How do you pay and save at the same time?

It's simple - use your & Transaction Account to pay in store or online, and round up your everyday purchases to the nearest one, five, or ten dollars. The difference will be automatically saved into your P&N Bank savings account.

Sound easy?

Pay&Save is the digital equivalent of tossing your loose coins (or small notes!) in a jar. It soon adds up because every time you pay, you save!

You'll be on your way to buying that pair of shoes, a weekend away, a new pair of sunglasses, or sporting equipment in no time at all. 

Let’s look at one typical day’s spending and round it up to the nearest dollar:

You buy It costs Round up You save
Coffee $4.50 $5.00 $0.50
Lunch $12.10 $13.00 $0.90
Fuel $45.60 $46.00 $0.40
Movie tickets $23.30 $24.00 $0.70
Total transferred to a P&N savings account   $2.50

And you'd save even more if you rounded everything up to the nearest $5 too. Just think about how much you might save in a week, a month, or a year!

Is Pay&Save for me?

Pay&Save is for you if you're someone who struggles to get into the habit of saving money - it's automatic, convenient, and you'll likely even forget about it until you see the difference it has made to your P&N savings account.

It's also great if you are already good at budgeting and saving, as it gives you another opportunity to save even more money - creating a bonus that you can spend on something to reward yourself.

How does it work?

Once you've set up Pay&Save, simply use your & Transaction Visa Debit card for your everyday purchases to start saving.

A few things to note:

  • Eligible savings accounts include SwiftSaver, Hi Saver, Cash Saver and Way Cool Saver account.
  • You can direct your savings into another P&N member's account – for example, a parent can have the rounded amount transferred to a son or daughter’s savings account.
  • The round up will only occur if there is an available balance at the end of the day.
  • Pay&Save is not available on two-to-sign accounts.

It's easy to apply for Pay&Save with P&N Bank.

What you need:

Existing P&N member?

If you're an existing member, please call us on 13 25 77, send us a message by selecting the Messaging icon along the bottom of any page, or visit a branch during business hours.

Once you've turned on Pay&Save, either in branch or via our Contact Centre, use your & Transaction Account with your Visa Debit card and start saving.

Not a member?

If you'd like to become a member so you can pay and save, simply open an & Transaction Account online today.

To apply for a membership and open your 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.
  • Select Yes to Pay and Save
  • Select Yes to a Debit card on your account

Police & Nurses Limited (P&N Bank) ABN 69 087 651 876 AFSL/Australian Credit Licence 240701. Any advice given does not take into account your personal, financial situation or needs. Please consider whether it is appropriate for you. Please read and consider the T&Cs available at Pay&Save is a feature that rounds up to the nearest dollar the value of each purchase debited to the & Transaction Account using the account holder’s Visa Debit Card or the information printed on it. Pay&Save will only operate where sufficient funds are held in the & Transaction Account to make the Pay&Save Transaction.

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