Want a savings account to deposit and hold or withdraw money for personal use without being penalised? A savings account that earns you additional bonus interest when the monthly bonus interest criteria is met each month.
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 |
|---|---|---|---|---|
| 5.30% | Bundle bonus | Bonus conditions are described in the lender's own words; see the lender's page Not compared in rate tables | CDR | 1 Nov 2026 |
| 0.20% | Variable · $0–$100,000 | Bonus conditions are described in the lender's own words; see the lender's page | CDR | 1 Nov 2026 |
| 0.20% | Variable · $100,000 or more | Bonus conditions are described in the lender's own words; see the lender's page | CDR | 1 Nov 2026 |
Report an error
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/280- Content hash
sha256 1f3796fd2920860e6b90059ea55840b3772502d90c4a36653399299085664571- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_1f3796fd2920860e_1cbcf547Show details
- Checked
- 1 Nov 2026
- URL
https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/280- Content hash
sha256 1f3796fd2920860e6b90059ea55840b3772502d90c4a36653399299085664571- 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 Acct Management Fee | Event | $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. | |
| Other | Eligible members can deposit foreign cheques in branch. $10 fee for foreign cheque deposits up to $25,000 AUD and $60 fee for foreign cheque deposits over $25,000 AUD. Please contact us or visit your nearest branch for more information. | |
| Other | Earn bonus interest, when you deposit at least $500 into your eligible transaction account from an external source and make 5 eligible Visa Debit card transactions from your linked transaction account each month. For details refer to the website. | |
| Unlimited txns | Save money with no monthly, minimum balance or transaction fees. Other fees and charges may apply. Please visit our website for full information. | |
| Eligibility: min age | 18 | |
| Eligibility: natural person | Member must be a natural person rather than another legal entity. | |
| 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. | |
| Limit: max balance | 5000000.00 |
Rate history
| Rate | From | To | Rate p.a. |
|---|---|---|---|
| Bundle bonus | 1 Nov 2026 | Current | 5.30% |
| Variable · $100,000 or more | 1 Nov 2026 | Current | 0.20% |
| Variable · $0–$100,000 | 1 Nov 2026 | Current | 0.20% |
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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