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P&N Bank

Every product P&N Bank publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 5 Nov 2026.

  • Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder, one cap shared with BCU Bank under the same banking licence. Who shares a cap
  • Australian credit licence and AFS licence 240701, held by Police & Nurses Limited; credit licence since 5 October 2010. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
No change yetP&N Bank hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

68 products in 6 categories

  1. Home loans32
  2. Term deposits18
  3. Savings & transaction accounts13
  4. Credit cards2
  5. Personal loans2
  6. Overdrafts1

P&N Bank's rates today

P&N Bank's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.

Where P&N Bank sits among every institution's best

P&N Bank 6.44%Everyone else, 104 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest variable home loan rate anyone can apply for; hover or tap a dot for its name.

RateP&N BankBest anywhereTypical institution
Variable home loanOwner occupier, principal & interest, 80% LVR6.44%Basic Variable HL LVR >70-805.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions
3-year fixed home loanOwner occupier, principal & interest, 80% LVR6.94%Fixed Home Loan (P&I) LVR <806.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package6.69%of 80 institutions
Savings accountBase plus any bonus, when its conditions are met5.35%Smart Saver Account5.75%Defence Bank Limited's iSaver4.85%of 73 institutions
12-month term depositBest rate for a 12-month term5.30%12 Month Term Deposit5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
Personal loanLowest advertised rate, fixed or variable, leaving out car loans7.99%Fixed Secured Personal Loan5.80%Plenti Personal Loan7.96%of 68 institutions
Credit card purchase rateOngoing purchase rate, not introductory offers11.99%P&N Bank Visa Classic7.49%Unity Bank's Low Rate Visa Credit Card12.49%of 51 institutions
Business savings accountEach institution's best interest-paying business account, base plus any bonus1.60%Business Saver5.40%Great Southern Bank Business+'s Business+ Saver0.55%of 34 institutions

P&N Bank home loan repayments

Repayments at P&N Bank's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.

Loan amount
$600,000
Loan term
30 yrs
The $600,000 you borrowInterest over 30 years
  1. VariableBasic Variable HL LVR >70-80
    6.44%6.47% comparison
    $3,769a month

    $756,755 in interest, $1,356,755 repaid in all

  2. 1-year fixedFixed Home Loan (P&I) LVR <80
    6.79%6.59% comparison
    $3,908a month

    $806,720 in interest, $1,406,720 repaid in all

  3. 2-year fixedFixed Home Loan (P&I) LVR >80
    6.89%6.64% comparison
    $3,948a month

    $821,132 in interest, $1,421,132 repaid in all

  4. 3-year fixedFixed Home Loan (P&I) LVR <80
    6.94%6.68% comparison
    $3,968a month

    $828,360 in interest, $1,428,360 repaid in all

  5. 5-year fixedFixed Home Loan (P&I) LVR <80
    7.04%6.79% comparison
    $4,008a month

    $842,861 in interest, $1,442,861 repaid in all

  6. Investor variableInvestor Basic P&I LVR>70-80
    6.59%6.62% comparison
    $3,828a month

    $778,077 in interest, $1,378,077 repaid in all

Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not P&N Bank's own calculator: confirm the rate with P&N Bank before you apply.

P&N Bank home loan rates

Compare across banks

32 products

Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.44%, with a comparison rate of 6.47%, on its Basic Variable HL LVR >70-80: 60th lowest of 104 lenders, level with 5 others.

P&N Bank savings and transaction account rates

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13 products

Its highest savings rate is up to 5.35% (0.50% base plus a 4.85% bonus when its conditions are met), on its Smart Saver Account: 13th highest of 84 institutions, level with 7 others.

P&N Bank term deposit rates

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18 products

Its highest 12-month term deposit rate is 5.30%, on its 12 Month Term Deposit: 28th highest of 65 institutions, level with 14 others.

RateP&N BankBest anywhereTypical institution
3-month term depositBest rate for 3 months3.75%3 Month Term Deposit5.30%Heartland Bank's Broker Term Deposit4.60%of 55 institutions
6-month term depositBest rate for 6 months5.20%6 Month Term Deposit5.47%Heartland Bank's Broker Term Deposit5.10%of 63 institutions
12-month term depositBest rate for 12 months5.30%12 Month Term Deposit5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
5-year term depositBest rate for 5 years3.35%TD 36-60 Mth (Mth Int)5.65%Judo Bank's Personal Term Deposits4.00%of 27 institutions

P&N Bank credit card rates

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2 products

Its lowest credit card purchase rate is 11.99%, on its P&N Bank Visa Classic: 17th lowest of 51 card issuers, level with 5 others.

P&N Bank personal loan rates

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2 products

Its lowest advertised personal loan rate is 7.99% fixed, with a comparison rate of 8.65%, on its Fixed Secured Personal Loan: 52nd lowest of 69 lenders, level with 2 others.

P&N Bank overdraft rates

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1 product

Rate changes since 18 Sept 2026How every lender responded

Has P&N Bank passed on the RBA's November 2026 rate rise?

P&N Bank hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

Its published savings rates haven't moved since the RBA's 4 Nov 2026 rise.

  1. Thu 5 Nov

  2. Mon 2 Nov

  3. Wed 21 Oct

  4. Wed 14 Oct

  5. Wed 7 Oct

  6. Thu 1 Oct

Published by P&N Bank under the Consumer Data Right, last changed by them on 5 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.