Smart way to save for your goals. A simple, goal based savings account that rewards regular saving.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Applies to | Conditions | Source | Since |
|---|---|---|---|---|
| 4.85% | Bonus · $0–$250,000 | Bonus rate, paid in months you meet the lender's conditions; the lender doesn't say whether it is added to the base rate Not compared in rate tables | CDR | 1 Nov 2026 |
| 0.50% | Variable · $0–$5,000,000 | Bonus conditions are described in the lender's own words; see the lender's page | CDR | 1 Nov 2026 |
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Anyone can report a value that looks wrong. The row is marked as disputed and keeps its value; when the lender's Consumer Data Right data next changes we check it and remove the mark.
Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/293- Content hash
sha256 2ba9357189a5af53c64807251ba74114fb81596896b14379f94be3fbe29bb08b- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_2ba9357189a5af53_5b449ce2Show details
- Checked
- 1 Nov 2026
- URL
https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/293- Content hash
sha256 2ba9357189a5af53c64807251ba74114fb81596896b14379f94be3fbe29bb08b- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Overseas Telegraphic Transfer Fee | Transaction | $45.00 |
| International Transfer Fee | Transaction | $15.00 |
| Bank Cheque Fee | Event | $10.00 |
| Cash Handling Fee | Transaction | Set in your letter of offer |
| Cash Passport Fee | Event | $10.00 |
| Statement Retrieval Fee | Replacement | $2.50 |
| Manual Trace Fee | Transaction | $40.00 |
| Audit Certificate Fee | Event | $30.00 |
| RTGS From Another Bank | Transaction | $8.00 |
| External Auto Transfer Fee | Transaction | $3.00 |
| Manual External Transfer Fee | Transaction | $2.50 |
| RTGS To Another Bank | Transaction | $25.00 |
| Referral Fee | Event | $3.50 |
| Dishonour Fee | Dishonour | $6.00 |
| Auto Transfer Dishonour Fee | Dishonour | $6.00 |
| Overdrawn Account Management Fee | Event | $10.00 |
| Foreign Cheque Deposit <$25,000 Fee | Deposit | $10.00 |
| Foreign Cheque Deposit $25,000+ Fee | Deposit | $10.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Digital banking | Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time. | |
| Npp enabled | Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time. | |
| Npp payid | Use your phone or email address as your PayID to securely send payments to and from banks almost instantly. | |
| Eligibility: min age | 18 | Minimum of 18 years of age or older. |
| Eligibility: natural person | Member must be a natural person rather than another legal entity. | |
| Eligibility: other | Customers may hold up to a total of 3 Smart Saver Account accounts under single or joint names. | |
| Eligibility: other | Earn bonus interest when you make a minimum deposit of $100 and no withdrawals to the account in the calendar month. | |
| Eligibility: other | You must be or become a P&N Bank member | |
| Eligibility: residency status | You must be an Australian citizen and/or resident or a non-resident with a qualifying visa evidencing 12 months or longer residency. A valid Australian address is required to open an account. Membership eligibility applies. | You must be an Australian citizen and/or resident or a non-resident with a qualifying visa evidencing 12 months or longer residency. A valid Australian address is required to open an account. Membership eligibility applies. |
| Limit: max balance | 250000.00 |
Rate history
| Rate | From | To | Rate p.a. |
|---|---|---|---|
| Variable · $0–$5,000,000 | 1 Nov 2026 | Current | 0.50% |
| Bonus · $0–$250,000 | 1 Nov 2026 | Current | 4.85% |
Tags
| Tag | Meaning | Effect |
|---|---|---|
pricing:bonus-unstated | Bonus conditions in the lender's own words | A total rate can't be worked out, so the product is display only |
bonus-conditions-free-text | Reason this product is not ranked | |
bonus-base-relationship-unstated | Reason this product is not ranked | |
Registered channels
Lender staff and brokers registered with Homepedia, and the prices available through them. Separate from the product data above: it never changes the lender's rates or the order of any rate table.People registered for this product
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