P&N Bank
& Access Account
A simple to use transaction account with unlimited free standard transactions that can be linked to an eligible home loan for the purpose of 100% offset, in order to reduce interest on the loan.
Savings & transaction accountsBank updated 23 Sept 2026
At a glance
- Base rate
- 0.00%
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | — | — | — | 0.00% | — | paid every 1 mo; Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. |
§ 02 — Fees · 25
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Foreign Cheque Deposit <$25,000 Fee | Deposit | $10 | — | $10 fee for foreign cheque deposits up to $25,000 AUD. Eligible members can deposit foreign cheques in branch. |
| Foreign Cheque Deposit $25,000+ Fee | Deposit | $60 | — | $60 fee for foreign cheque deposits of $25,000 AUD or more. Eligible members can deposit foreign cheques in branch. |
| Auto Transfer Dishonor Fee | Dishonour | $6 | — | Charged where there are insufficient funds in your account when an external auto transfer or BPAY payment is due to be made. |
| Dishonour Fee | Dishonour | $6 | — | Where a direct debit is dishonoured due to insufficient funds. |
| Audit Certificate Fee | Event | $30 | — | Charged per audit certificate request. |
| Bank Cheque Fee | Event | $10 | — | Per bank cheque requested by you. |
| Cash Passport Fee | Event | $10 | — | For the initial activation and each currency top-up requested in branch. |
| Overdrawn Account Management Fee | Event | $10 | — | Applied in relation to any month where we allow the approved credit limit on your account to be exceeded by more than $50 or, if your account does not have an approved credit limit, if we allow you t… |
| Referral Fee | Event | $3.50 | — | Where an account has insufficient available funds to cover a direct debit transaction, and the transaction is honoured by P&N. |
| Visa Chargeback Request Fee | Event | $25 | — | When a cardholder raises a dispute relating to a card transaction. |
| Card Replacement - Standard Fee | Replacement | $10 | — | For the replacement of a lost or damaged Visa Debit card. |
| Card Replacement - Urgent Fee | Replacement | $50 | — | For the urgent replacement of a lost or damaged Visa Debit card. |
| Declined Emergency Visa Card Fee | Replacement | $70 | — | If your request for a temporary emergency Visa Debit card to temporarily replace a lost or stolen Visa debit card is declined. |
| Emergency Card Replacement - Approved Fee | Replacement | $320 | — | For the issue of a temporary emergency Visa Debit card, to temporarily replace a lost, stolen or damaged Visa Debit card. |
| Statement Retrieval Fee | Replacement | $2.50 | — | Fee applies for statements over 12 months old. Payable on request to issue a copy of a previously issued statement. |
| Cash Handling Fee | Transaction | Varies | — | 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… |
| External Auto Transfer Fee | Transaction | $3 | — | Staff assisted creation of a recurring auto transfer payment to another organisation. Charged per payment. |
| International Transfer Fee | Transaction | $15 | — | Per online banking transfer sent in a foreign currency. |
| Manual External Transfer Fee | Transaction | $2.50 | — | Staff assisted manual transfer to another organisation. Charged per payment. |
| Manual Trace Fee | Transaction | $40 | — | Charged for your request to manually trace a payment to confirm receipt of payment. |
| Overseas Telegraphic Transfer Fee | Transaction | $45 | — | $45 per staff assisted telegraphic transfer sent in AUD currency. $30 per staff assisted telegraphic transfer sent in a foreign currency. |
| RTGS From Another Bank | Transaction | $8 | — | Per payment received into your account. To cover the cost of of processing 'SWIFT' payments from overseas and same day local payments through 'RTGS' (Real Time Gross Settlement) systems. |
| RTGS To Another Bank | Transaction | $25 | — | 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. |
| Visa Foreign Currency Conversion Fee | Transaction | No fee | — | 3% of the transaction value in AUD. When you use your Visa Credit or Debit card in a foreign currency either online or at a merchant point of sale outside or in Australia. Please refer to our website… |
| Bank@Post Withdrawal Fee | Withdrawal | $3 | — | Fee for Bank@Post cash withdrawal at participating Australia Post offices. |
§ 03 — Features
Instant paymentsPayIDDigital bankingFraud protectionUnlimited transactionsApple Pay, Google Pay & Samsung Pay
- · 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…
§ 04 — Eligibility & limits
- · Minimum age 18
- · 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
- · This account is a 100% offset that can be linked to an eligible home loan. Offset account must be held in the name of one or more (or all) of the home loan borrowers. Up to 3 offset accounts may be l…
- · To be eligible for the & Access offset account, you'll need to have a P&N Bank home loan with an offset facility available. If you would like to set up an & Access account, please call us on 13 25 77…
- · You must be or become a P&N Bank member
§ 05 — Compare
§ 06 — Run the numbers
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Published by P&N Bank under the Consumer Data Right, last changed by them on 23 Sept 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.