Money / Banks
P&N Bank
What P&N Bank publishes about its products under the Consumer Data Right, as at 16 October 2026. For current details, check P&N Bank's own website.
Savings and transaction accounts
Rates for a $10,000 balance. Compare with other banks.
| Account | If you miss the conditions | Bonus | With the bonus | What you have to do |
|---|---|---|---|---|
| Business Saver | 1.60% | – | 1.60% | No bonus |
| Hi Saver Account | 0.05% | – | 0.05% | No bonus New accounts: an extra 5.30% for 4 months |
| Momentum Account | 0.30% | – | 0.30% | No bonus |
| Savvy Saver Account | 0.20% | – | 0.20% | No bonus |
| Smart Saver Account | 0.50% | 4.60% | 5.10% |
Bonus only on balances up to $250,000 In the bank's wordsBonus interest is paid on balances up to $250,000 with balances in excess of $250,000 receiving the standard rate. |
| Way Cool Saver | 0.00% | – | 0.00% | No bonus. Up to age 15 |
Term deposits
The rate for $10,000 (or the smallest deposit it takes). Compare with other banks.
| Product | 3 months | 6 months | 12 months | 24 months | Smallest deposit |
|---|---|---|---|---|---|
| & Retirement Term Deposit | 3.85% | – | – | – | $5,000 |
| 10 Month Term Deposit | – | – | – | – | $5,000 |
| 11 Month Term Deposit | – | – | – | – | $5,000 |
| 12 Month Term Deposit | – | – | 5.30% | – | $5,000 |
| 2 Month Term Deposit | – | – | – | – | $5,000 |
| 3 Month Term Deposit | 3.75% | – | – | – | $5,000 |
| 4 Month Term Deposit | – | – | – | – | $5,000 |
| 5 Month Term Deposit | – | – | – | – | $5,000 |
| 6 Month Term Deposit | – | 5.20% | – | – | $5,000 |
| 7 Month Term Deposit | – | – | – | – | $5,000 |
| 8 Month Term Deposit | – | – | – | – | $5,000 |
| 9 Month Term Deposit | – | – | – | – | $5,000 |
| TD 12-35 Mth (Mth Int) | – | – | – | – | $5,000 |
| TD 12-35 Mth (Qrt Int) | – | – | – | – | $5,000 |
| TD 12-35 Mth (Yr Int) | – | – | – | – | $5,000 |
| TD 36-60 Mth (Mth Int) | – | – | – | – | $5,000 |
| TD 36-60 Mth (Qrt Int) | – | – | – | – | $5,000 |
| TD 36-60 Mth (Yr Int) | – | – | – | – | $5,000 |
Home loans
Owner-occupier, principal and interest, borrowing 80% of the home's value. Compare with other banks.
| Loan | Variable | Comparison |
|---|---|---|
| Basic Variable HL LVR <60 new customers changed 13 Oct | 6.38% | 6.41% |
| Basic Variable HL LVR >60-70 new customers changed 13 Oct | 6.42% | 6.45% |
| Basic Variable HL LVR >70-80 new customers changed 13 Oct | 6.44% | 6.47% |
| Basic Variable HL LVR >80-90 new customers changed 13 Oct | 6.74% | 6.77% |
| Basic Variable HL LVR >90-95 new customers changed 13 Oct | 7.04% | 7.07% |
| Fixed Home Loan (P&I) LVR <80 changed 13 Oct | – | – |
| Fixed Home Loan (P&I) LVR >80 changed 13 Oct | – | – |
| Offset Variable HL LVR<60 new customers changed 13 Oct | 6.42% | 6.45% |
| Offset Variable HL LVR>60-70 new customers changed 13 Oct | 6.44% | 6.47% |
| Offset Variable HL LVR>80-90 new customers changed 13 Oct | 6.92% | 6.95% |
| Offset Variable HL LVR>90-95 new customers changed 13 Oct | 7.45% | 7.48% |
| Offset Variable HL>70-80 new customers changed 13 Oct | 6.60% | 6.63% |
Credit cards
| Card | Purchases | Annual fee | Owing $2,000 |
|---|---|---|---|
| P&N Bank Visa Classic | 11.99% | $49 | $289 |
| P&N Bank Visa Platinum | 11.99% | $99 | $339 |
Other products in these groups
These don't list rates we can show in a table (for example, accounts that pay no interest).
- & Access Account Savings and transaction accounts
- & Transaction Account Savings and transaction accounts
- Bridging Loan L61 Home loans
- Budgeting Account Savings and transaction accounts
- Business Account Savings and transaction accounts
- Community Account Savings and transaction accounts
- Concession Account Savings and transaction accounts
- Easypay Access Account Savings and transaction accounts
- Fixed Home Loan (IO) LVR <80 Home loans
- Fixed Home Loan (IO) LVR >80 Home loans
- Fixed Home Loan Inv IO LVR<80 Home loans
- Fixed Home Loan Inv IO LVR>80 Home loans
- Fixed Home Loan Inv P&I LVR<80 Home loans
- Fixed Home Loan Inv P&I LVR>80 Home loans
- Investor Basic (IO) LVR <70 Home loans
- Investor Basic (P&I) LVR <70 Home loans
- Investor Basic IO LVR>70-80 Home loans
- Investor Basic IO LVR>80-90 Home loans
- Investor Basic P&I LVR>70-80 Home loans
- Investor Basic P&I LVR>80-90 Home loans
- Investor Offset IO LVR<70 Home loans
- Investor Offset IO LVR>70-80 Home loans
- Investor Offset IO LVR>80-90 Home loans
- Investor Offset P&I LVR >70-80 Home loans
- Investor Offset P&I LVR<70 Home loans
- Investor Offset P&I LVR>80-90 Home loans
- Reverse Mortgage Home Loan Home loans
Rates changed on 838 products since 12 October 2026. Each one is marked "changed" below.
General information, not advice. This shows what banks publish. It doesn't recommend any product, and the order of a table is not a ranking. Rates change, so check the bank's own page for current details before you decide anything.
Source: P&N Bank product data, published under the Consumer Data Right, as at 16 October 2026. Every product name links to its page at P&N Bank, which has the current details.