P&N BankWay Cool Saver
It's never too early to learn the value of money. And a Way Cool Saver is a great way to get started. Teach your kids to save more and spend less of their pocket money - handy skills to have down the track.
At a glance
- Base rate
- 0.00%
Rates
Every rate P&N Bank publishes for this account, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | - | - | up to $5,000 | 3.80% | - | paid every 1 mo; Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. |
| Variable | - | - | $5,000+ | 0.00% | - | paid every 1 mo; Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 2 Nov 2026 | Variable, up to $5,000 | 3.55% | 3.80% | up 0.25 |
Each change is logged the night it appears in the rates P&N Bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
11 fees published, grouped by when they're charged.
When you make a transaction9
- Foreign Cheque Deposit <$25,000 Fee
$10 fee for foreign cheque deposits up to $25,000 AUD. Eligible members can deposit foreign cheques in branch.
$10 - Foreign Cheque Deposit $25,000+ Fee
$60 fee for foreign cheque deposits of $25,000 AUD or more. Eligible members can deposit foreign cheques in branch.
$60 - Cash Handling Fee
Coin and note deposits are available at P&N branches. Coin deposits must be counted and bagged by customers or you will be charged 5% of the coin amount. Note deposits more than $10,000 per day will…
Varies - International Transfer Fee
Per online banking transfer sent in a foreign currency.
$15 - Manual External Transfer Fee
Staff assisted manual transfer to another organisation. Charged per transfer.
No fee - Manual Trace Fee
Charged for your request to manually trace a payment to confirm receipt of payment.
$40 - Overseas Telegraphic Transfer Fee
$45 per staff assisted telegraphic transfer sent in AUD currency. $30 per staff assisted telegraphic transfer sent in a foreign currency.
$45 - RTGS From Another Bank
Per payment received into your account. To cover the cost of processing 'SWIFT' payments from overseas and same day local payments through 'RTGS' (Real Time Gross Settlement) systems.
No fee - RTGS To Another Bank
Per payment sent from your account. To cover the cost of processing 'SWIFT' payments as same day local payments through 'RTGS' (Real Time Gross Settlement) systems.
No fee
When particular things happen2
- Audit Certificate Fee
Charged per audit certificate request.
No fee - Statement Retrieval Fee
Fee applies for statements over 12 months old. Payable on request to issue a copy of a previously issued statement.
No fee
Features
- 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 on 13 25 77 o…
Eligibility and limits
- Maximum age 15
- Residency: 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.
- Available to individuals
- You must be or become a P&N Bank member
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Published by P&N Bank under the Consumer Data Right, last changed by them on 2 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.