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P&N Bank

Like all Australian banks, P&N Bank is licensed by APRA and is an approved deposit taking institution. P&N Bank was established in 1990 and has extended its membership to all residents of Western Australia. As a member owned bank their sole purpose is to reinvest all profits back into the Bank which will reflect in lower fees, competitive rates and improved products, technology and resources. P&N Bank provides an extensive range of financial products to their members. These include credit cards, savings accounts, home loans, personal loans, special lending products and term deposits.

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P&N Bank home loans

Advertised Rate

2.49%

Variable

Comparison Rate*

2.49%

Interest rates ranked in the best 20%
No upfront or ongoing fees
Parents can sign as guarantor
Extra repayments and redraw facility

Real Time Rating™

Advertised Rate

2.64%

Variable

Comparison Rate*

2.64%

Lower than average interest rate
No upfront or ongoing fees
Parents can sign as guarantor
Extra repayments and redraw facility

Real Time Rating™

Advertised Rate

2.82%

Variable

Comparison Rate*

2.82%

Lower than average interest rate
No upfront or ongoing fees
100% full offset account
Suitable for low deposits

Real Time Rating™

Advertised Rate

3.12%

Variable

Comparison Rate*

3.12%

No upfront or ongoing fees
100% full offset account
Suitable for low deposits
Parents can sign as guarantor

Real Time Rating™

P&N Bank personal loans

Advertised Rate

6.81%

Variable

Comparison Rate*

7.80%

Interest rates ranked in the best 20%
Lower than average rate
No early exit penalty
Unlimited extra repayments

Real Time Rating™

P&N Bank car loans

Advertised Rate

6.81%

Variable

Comparison Rate*

7.80%

No early exit penalty
Unlimited extra repayments
Flexible repayment options
Can apply online

Real Time Rating™

P&N Bank credit cards

Purchase Rate

11.31%

Annual Fee

$49

Apple Pay, Google Pay and Samsung Pay available
Free supplementary cards

Purchase Rate

11.31%

Annual Fee

$99

Apple Pay, Google Pay and Samsung Pay available
Free domestic travel insurance
Free international travel insurance
Free supplementary cards

P&N Bank savings accounts

0.05%

0.05%

Branch access
No ongoing fees
No minimum balance

Real Time Rating™

0.45%

0.45%

Branch access
No ongoing fees
No minimum balance

Real Time Rating™

-

-

Branch access
ATM access
EFTPOS facility
No ongoing fees

Real Time Rating™

0.70%

Intro 4 months then 0.05%

0.05%

Special intro rate
Branch access
No ongoing fees
No minimum balance

Real Time Rating™

P&N Bank bank accounts

Account Keeping Fees

$0

Monthly

$0

Visa

Maximum Interest rate

0.05%

$0 account keeping fee
Linked Visa debit card
App banking available
Apple Pay, Google Pay, Samsung Pay available

Real Time Rating™

Account Keeping Fees

$0

Monthly

$0

Visa

Maximum Interest rate

0.05%

$0 account keeping fee
Linked Visa debit card
App banking available
Apple Pay, Google Pay, Samsung Pay available

Real Time Rating™

Account Keeping Fees

$0

Monthly

$2

Maximum Interest rate

0.05%

$0 account keeping fee
App banking available
Apple Pay, Google Pay, Samsung Pay available
0.01% - 0.05% interest available

Real Time Rating™

Account Keeping Fees

$0

Monthly

$0

Visa

Maximum Interest rate

$0 account keeping fee
Linked Visa debit card
App banking available
Apple Pay, Google Pay, Samsung Pay available

Real Time Rating™

P&N Bank term deposits

0.55%

p.a for 6 months

$25,000

Next rate increased

0.55%

p.a for 6 months

Interest rate variations available based on payment options
Automatice maturity rollover
Covered by government guarantee

Real Time Rating™

P&N Bank reverse mortgages

Easy Living Home Loan

Reverse Mortgage

A reverse mortgage option for over 65's in the Perth area with a competitive variable interest rate

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