With a P&N Visa Debit card you can enjoy convenient access to your money anywhere in the world. With your card linked to your everyday transaction account, you can bank on the go with access though EFTPOS, payWave and ATMs wherever Visa is accepted. You can also make purchases online or pay with your smart phone or device using Apple Pay, Google Pay and Android Pay.
Save time when shopping in store with Visa payWave. Simply tap your phone at any contactless terminal for purchases under $200, or enter your PIN for purchases over $200.
Temporary increase to tap to pay limits
To help reduce the spread of COVID-19, P&N Bank is fully supporting the banking and retailer industry to temporarily increase tap to pay limits from $100 to $200. The increased limits will apply to tap to pay purchases for Visa Debit and Visa Credit cards (including digital wallets).
This means you won’t be asked for a PIN when making purchases up to $200.
This change is a temporary measure to limit the risk of transmission of COVID-19, by reducing the need to touch payment terminals.
The change will progressively roll out through April 2020. Until the service is available on your card and at your retailer, you may continue to be prompted for your PIN on purchases over $100. Once the new limit applies and where the service is available, no PIN will be required for purchases up to $200.
For the security of your funds, the $1,000 daily card purchase/withdrawal limit will still be in place, as will the limit of 10 tap to pay transactions per day. Our fraud monitoring service will continue to closely monitor your account and alert you if any unusual activity is detected; however as always, we stress that you protect your card at all times and check your account regularly. Any fraudulent transactions on your card will continue to be covered by Visa’s Zero Liability Policy.
Protection for your money
You can shop online with peace of mind thanks to Verified by Visa, which is an online service designed to make internet transactions safer at participating merchants through the authentication of the cardholder's identity. In addition to this, P&N Bank Visa cards are also covered by Visa's Zero Liability Policy, which means that you won't be held responsible if a fraudulent purchase is made using your account or card details*.
Whether you want a 'no frills' option or platinum benefits, you can choose the credit card that's right for you. Access your funds wherever Visa is accepted and have peace of mind that your card is protected against fraudulent transactions by Visa Zero Liability and Verified by Visa.
Open an account today, use your card straight away
Open up a new transaction account online, make a deposit, and you can shop as soon as your funds have cleared. Access your Visa debit card details securely for online purchases, or add your new instant digital card to Apple Pay, Google PayTM or Samsung Pay to use it at the checkout.
Start making secure contactless payments on the go with your mobile phone today using Apple Pay, Google Pay and Samsung Pay. Paying with your phone is safe, easy to set up and works with the devices you use every day.
Find out more about digital wallets.
Lost or stolen card
If your card is lost or stolen, you can continue to use it almost seamlessly. Report it through the Mobile App or Internet banking, reorder a new instant digital card and add it to your digital wallet to keep shopping while you wait for your physical card to arrive.
Your card, your way
With new card controls, you can manage how you can use your card. Easily turn on or off things like online transactions, overseas purchases and even Visa payWave. You can change these at any time.
Misplaced your wallet?
Not sure if you've left your wallet in the car? Temporarily lock your card while you look for it, and unlock it again when you find it. Manage card controls.
Our Mobile App is easy to use and gives you access to your banking at the touch of a button. Download the P&N Mobile Banking App to manage your money and daily expenses on the go, including balance without PIN, transfers, paying bills, paying a Pay ID or another account. We're always looking for feedback on how we can improve our Mobile App too. To use the Mobile App you must first be registered for Internet Banking.
You can use your P&N Bank Visa Debit Card or Credit Card fee free at all major Bank ATMs across Australia.
As a P&N member you can send and receive faster, simpler and smarter OSKO payments through Internet Banking or the Mobile App. As long as you're sending funds to a participating bank, OSKO will ensure your money has reached its destination in under a minute, 24 hours a day, 7 days a week.
You can even send descriptions of up to 280 characters with your payments - including emojis! For more information visit faster payments through Osko.
You can transfer to an overseas bank account using an international telegraphic transfer, via our partner Western Union Business Solutions – the foreign exchange specialists. An outward transfer (or ‘wire’) is an electronic transfer of funds directly credited to the recipient's overseas bank account. It's a fast and safe way to send money overseas. You can arrange to make an overseas electronic transfer at any one of our branches or through Internet Banking.
At P&N Bank we understand not everyone always has access to the latest Digital Banking options. That's why we do offer more traditional options like Phone Banking, [email protected] and cheque books on selected accounts.
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