P&N Bank Budgeting Account
transaction account
Budgeting Account is a transaction account from P&N Bank. It pays 0.00% p.a. with no bonus conditions.
Not ranked: a transaction (everyday) account, not a savings account.
Rate tiers
Every balance band in the bank's feed: base is the rate the bank pays.
| Balance | Base |
|---|---|
| $0+ | 0.00% |
One rate on every balance.
The feed states a maximum balance of $5,000,000.
Features
- card
- Visa Debit card available
- app
- yes
- Osko
- yes
- PayID
- yes
- transactions
- unlimited
Other features, in the bank's words:
- 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 or visit your nearest branch for more information.
Fees, limits and who can open it
- monthly fee
- no monthly fee stated
- other fees named
- Cash Handling Fee (no amount in the feed)
- maximum balance
- $5,000,000
- interest paid
- monthly
- interest calculated
- daily
- age
- ages 12 and over
- open to
- personal customers
Who can open it, in the bank's own words:
- You must be or become a P&N Bank member
- 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.
About this account
An account designed for you to put aside money for your bills and expenses so you can stay on top of your finances.
Data
- P&N Bank's own page for this account.
- The bank's documents its product record links to: terms and conditions, fees.
- Our verbatim snapshot of the bank's product record (source), as fetched on 13 November 2026.
/au/finance/savings-accounts/v1/brands/p-n-bank.json: this bank's accounts and every balance band as JSON; P&N Bank's page lists them.- The bank last updated this record on 13 November 2026. Rates are per annum as the bank states them; "stale" means the bank has not updated the record for over 60 days or since the latest cash rate change.
Other accounts at P&N Bank
- Business Saver savings account, 1.85% base at $50,000
- Hi Saver Account savings account, 0.05% base at $50,000
- Momentum Account savings account, 1.54% base at $50,000
- Savvy Saver Account savings account, 5.50% conditional at $50,000
- Smart Saver Account savings account, 5.35% conditional at $50,000
- Way Cool Saver savings account, 0.38% base at $50,000
- & Access Account transaction account, 0.00% base at $50,000
- & Transaction Account transaction account, 0.00% base at $50,000
- Business Account transaction account, 0.00% base at $50,000
- Community Account transaction account, 0.00% base at $50,000
- Concession Account transaction account, 0.00% base at $50,000
- Easypay Access Account transaction account, 0.00% base at $50,000
All of P&N Bank's accounts on its page, with its best rates per segment and rate kind, and every account at every bank.
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