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Ways to pay

Whether you’re shopping online or in store, making transfers within Australia or overseas, or paying your latest bill – we’ve got you covered.

Card payments

Make contactless payments your way, online or in store.

Online payments

Pay your bills or transfer money within Australia and internationally.

And more...

Find a way to pay that works for you with our range of options.

Make payments with your card

Visa Debit card

Our P&N Bank Visa Debit card is designed to be used for your everyday banking and gives you easy and secure access to your money – wherever Visa is accepted in the world. With your card linked to your everyday transaction account, you can withdraw money from an ATM, make payments in store or online, or tap and go with Visa payWave. You can also pay with your smartphone or device using Apple Pay, Google Pay™ and Samsung Pay.

Visa Credit card

Whether you want a simple option or platinum benefits, you can choose the credit card that suits you. Access your funds wherever Visa is accepted in the world – in store, online, using Visa payWave, or with Apple Pay, Google Pay or Samsung Pay. You’ll also have extra peace of mind knowing that your card is protected against fraudulent transactions by Visa’s Zero Liability Policy and Verified by Visa.

Digital wallets

Start making secure contactless payments on the go with your mobile phone today using Apple Pay, Google Pay or Samsung Pay. Add your P&N Bank Visa Debit or Credit card to your digital wallet on your smartphone or wearable device and you’ll be able to make payments quickly, easily, and securely from the devices you use every day.

Find out more about digital wallets.

Instant digital cards

Open a new transaction account online, deposit some money, and you’ll be able to make purchases using your digital card before you know it. Access your Visa Debit card details securely for online purchases or add your card to your digital wallet to make in store purchases using Apple Pay, Google Pay or Samsung Pay.

If your card is lost or stolen, you can continue to use it almost seamlessly with an instant digital card. Report it as lost or stolen through the Mobile App or Internet Banking, order a new card and add it to your digital wallet, and you’ll be able to transact as usual while you wait for your physical card to arrive.

Visa payWave

Save time when shopping in store with Visa payWave. Simply tap your card at any contactless terminal for purchases under $200, or tap your card and enter your PIN for purchases over $200.

Temporary increase to tap and go limits

To help reduce the need to make physical contact with terminals when shopping, the limit for contactless tap and go™ payments across Australia has temporarily increased from $100 to $200. The increased limits apply for Visa payWave payments made using your Visa Debit or Credit card, smartphone, or wearable device.

The new $200 limit has been progressively introduced at certain retailers since April 2020.

Your P&N Bank cards automatically have the higher limit applied, however if the increased limit is not available at the retailer, you may continue to be prompted to enter your PIN for purchases over $100. Please always follow the PIN pad prompts to allow your transaction to go through smoothly.

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 and go transactions per day.


Make payments online

Online transfers

Online transfers allow you to transfer money from your account to another person’s account, using either their BSB, account number, and account name, or their PayID (which is normally their mobile number or email address). Transfers made to a BSB and account number can take up to three business days to process. However, if a payment is processed via Osko between participating financial institutions, the funds will be received in under a minute!

Online transfers can be done via Internet Banking or the Mobile App, anywhere that you have secure internet access.

Osko and PayID

As a P&N member you can securely send and receive money in near real time between participating banks using the Mobile App or Internet Banking. Osko by BPAY lets you send and receive payments in under a minute, 24 hours a day, 7 days a week. It also allows you to send a 280-character message with your payment, making it easier for everyone to see what the money is for.

If you're sending funds to a participating bank, Osko will ensure your money reaches the destination in near real time. If you're sending funds to a bank not using the New Payments Platform (NPP), your payment will be processed as normal, which may take up to three working days.

You can also set up a PayID to make receiving payments even easier. Gone are the days of having to remember your BSB and account number – just use your phone number or email address instead! Setting up your PayID with P&N Bank is easy, and once you’ve done it, your friends and family can use it to send you funds almost instantly.

Find out more about Osko and PayID.

BPAY payments

BPAY® is an easy and secure way to manage and pay your bills through Internet Banking or our Mobile App. BPAY is offered by over 60,000 businesses, which means you can pay bills such as your internet, phone, electricity, gas, or even your rent!

You can choose which account to pay bills from and make the payment on the spot, schedule it for a date that works for you, or set up scheduled recurring payments. So long as you have funds available in your nominated account on the scheduled date, the BPAY payment will process.

International payments

You can transfer money to an overseas bank account using an international telegraphic transfer. A telegraphic transfer is an electronic transfer of funds for credit to the recipient's overseas bank account. It's a fast and safe way to send money overseas and you can choose from a wide range of currencies. You can make an overseas transfer at any of our branches, or by logging into Internet Banking or our Mobile App.


Other ways to pay

Direct debits

A direct debit is an automatic payment that’s set up using your BSB and account number for your transaction or savings account. Direct debits allow for a merchant or service provider to debit an agreed amount from your account into a merchant or service provider’s account at set times, as per the terms and conditions of the direct debit service agreement. They’re commonly used to pay for recurring bills and services, such as your monthly phone bill or your gym membership.

To cancel a direct debit with P&N Bank, you will need to contact us on 13 25 77 and advise us of the direct debit that you wish to cancel, visit one of our branches, or you can complete and sign the Direct Debit Cancellation Form and return it to us via Secure Mail once you’re logged in to Internet Banking, or post it back to us..

Recurring payments

A regular payment set up from your debit or credit card to a merchant or service provider is called a recurring payment. To set up a recurring payment, you will need to supply the merchant or service provider with your card details and arrange a direct debit authority. This will allow for your debit or credit card to be charged as agreed.

To cancel a recurring payment on your debit or credit card, you will need to contact the merchant or service provider directly.

PayTo

PayTo is a new way to manage your payments – think direct debits but better. Make one-off or recurring payments for things like subscriptions or memberships using only your PayID or account details. You can even manage them yourself through Internet Banking.


At P&N Bank we understand not everyone always has access to the latest digital banking options. That's why we also offer more traditional options like Phone Banking and Bank@Post on selected accounts.

Frequently asked questions

  • How do I dispute a card transaction?

    Please read our information on how to dispute a transaction and contact us with any queries about the transaction first.

    If your card has been compromised or you suspect fraudulent activity, you can temporarily lock or list your card as stolen via Internet Banking or our Mobile App. Alternatively, you can contact our fraud department on 1800 648 027.

    If you want to proceed with a card transaction dispute, please contact us on 13 25 77, via Secure Mail, or visit our branches and provide the details of the transaction. We will complete a card transaction dispute form on your behalf to lodge your dispute.

  • How do I cancel a direct debit on my account?

    To cancel a direct debit with P&N Bank, you will need to contact us on 13 25 77 and advise us of the direct debit that you wish to cancel, visit one of our branches, or you can complete and sign the Direct Debit Cancellation Form and return it to us via Secure Mail once you’re logged in to Internet Banking, or post it back to us.

    We will take action to cancel a direct debit linked to your account within one business day if you ask us to do so and there is no fee to assist you with the cancellation.

    We won’t ask you to cancel the direct debit directly with the merchant or service provider, however we may suggest that you also contact them to let them know that the direct debit has been cancelled.

    If you wish to cancel a single direct debit agreement from a merchant where multiple arrangements exist, we recommend you also contact the merchant directly to discuss this. A request to cancel an agreement will block all future direct debit agreements from this merchant.

  • How do I cancel a recurring payment on my account?

    To cancel a recurring payment on your debit or credit card, you will need to contact the merchant or service provider directly.

    If you have a recurring payment set up and your debit or credit card is due to expire, it's your responsibility to tell the merchant or service provider.

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