P&N Bank home loans

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Offset Home Loan

Real Time Rating™
Owner Occupied
40% min deposit
P&I
Offset Account
Interest Rate

6.19%

p.a

Variable

Comparison Rate*

6.20%

p.a

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Easypay Home Loan

Real Time Rating™
Owner Occupied
5.01% min deposit
Interest Only
Offset Account
Interest Rate

8.37%

p.a

Variable

Comparison Rate*

8.38%

p.a

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Smooth Home Loan

Real Time Rating™
Owner Occupied
10.01% min deposit
Interest Only
Extra repayments
Interest Rate

8.22%

p.a

Variable

Comparison Rate*

8.23%

p.a

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& Basic Home Loan

Real Time Rating™
Owner Occupied
40% min deposit
P&I
Extra repayments
Interest Rate

6.09%

p.a

Variable

Comparison Rate*

6.10%

p.a

P&N Bank personal loans

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Fixed Secured Personal Loan

Real Time Rating™
1 to 7 years
Secured
Fixed Rate
Interest Rate

8.24%

p.a

Fixed

Comparison Rate*

From

8.90%

p.a

Fixed up to 8.9%

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Fixed Unsecured Personal Loan

Real Time Rating™
1 to 7 years
Unsecured
Variable Rate
Interest Rate

9.99%

p.a

Variable

Comparison Rate*

10.65%

p.a

Variable

P&N Bank credit cards

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Classic Visa

Apple, Google & Samsung Pay
Balance transfer
Low annual fee
Purchase Rate

11.99%

p.a

Annual Fee

$49

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& Visa Platinum

Apple, Google & Samsung Pay
Balance transfer
Low annual fee
Purchase Rate

7.02%

p.a

Annual Fee

$99

P&N Bank savings accounts

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& Retirement Account

Real Time Rating™
App banking
Online banking
Maximum rate

2.00%

p.a

Base rate

2.00%

p.a

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Hi Saver

Real Time Rating™
Intro offer rate
App banking
Online banking
Maximum rate

5.15%

p.a

intro 4 months then 1.00%

Base rate

1.00%

p.a

Promoted

SwiftSaver Account

Real Time Rating™
Bonus interest with conditions
App banking
Online banking

*Deposit at least $10 a month and make no withdrawals

Maximum rate

4.55%*

p.a

Base rate

0.20%

p.a

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Way Cool Saver

Real Time Rating™
App banking
Online banking
Maximum rate

Not Applicable

Base rate

Not Applicable

P&N Bank bank accounts

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Student Account

Real Time Rating™
App banking
Online banking
Overseas ATM facilities
Visa debit card
Account Keeping Fees
ATM Fee

$0

Debit Card Type

Visa

Maximum Interest rate

0.05%

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Easypay Access Account

Real Time Rating™
App banking
Online banking
Overseas ATM facilities
Visa debit card
Account Keeping Fees
ATM Fee

$0

Debit Card Type

Visa

Maximum Interest rate

0.05%

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Budgeting Account S2

Real Time Rating™
App banking
Online banking
Account Keeping Fees
ATM Fee

$0

Debit Card Type

Maximum Interest rate

0.05%

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& Transaction Account

Real Time Rating™
App banking
Online banking
Overseas ATM facilities
Visa debit card
Account Keeping Fees
ATM Fee

$0

Debit Card Type

Visa

Maximum Interest rate

P&N Bank term deposits

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Regular Income

Real Time Rating™
12 months
Automatic maturity rollover
Joint application available
Interest payment to other institution
Interest rate

4.55%

p.a

for 12 months

Min. deposit

$5,000

Next rate increased
Max rate

4.55%

p.a

for 12 months

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Money Maker

Real Time Rating™
2 months
Automatic maturity rollover
Joint application available
Interest payment to other institution
Interest rate

1.75%

p.a

for 2 months

Min. deposit

$5,000

Next rate increased

4.35%

p.a

for 3 months

Max rate

4.55%

p.a

for 7 months

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& Retirement Term Deposit

Real Time Rating™
3 months
Automatic maturity rollover
Joint application available
Interest payment to other institution
Interest rate

4.40%

p.a

for 3 months

Min. deposit

$5,000

Next rate increased
Max rate

4.40%

p.a

for 3 months

P&N Bank reverse mortgages

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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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