{ "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "legal_entity_abn": "69087651876", "public_base_uri": "https://public.cdr-api.pnbank.com.au", "logo_uri": "https://digital.pnbank.com.au/globalassets/internet-banking/onboarding/logo-small.png", "status": "ok", "stale": false, "bank_last_updated": "2026-11-13T00:00:22Z", "at_a_glance": { "note": "This bank's best savings rate per customer segment (personal, smsf, business) and rate kind (ongoing: the conditional rate, bonus conditions met; intro: in the introductory period; base: the base rate, no conditions met), one line each: the highest of the bank's own entries in the best/{segment}/{kind}/{balance}.json slices (age-limited, pensioner, occupation-limited, organisation-only and adviser-platform accounts left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. reference_balances are the slice balances where it is the bank's entry; the rate is at the first of them. conditions is a key into condition_sets. unranked counts the products no slice ranks, by reason. Every product and rate row follows in products and rows.", "rates": [ {"segment":"personal","kind":"ongoing","rate_pct":5.5,"base_rate_pct":0.2,"bonus_rate_pct":5.3,"intro_rate_pct":null,"intro_months":null,"product_label":"Savvy Saver Account","account_type":"savings","reference_balances":[10000,50000],"max_bonus_balance":100000,"max_balance":5000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":false}, {"segment":"personal","kind":"intro","rate_pct":5.6,"base_rate_pct":0.05,"bonus_rate_pct":null,"intro_rate_pct":5.55,"intro_months":4,"product_label":"Hi Saver Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":5000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":[],"record_stale":false}, {"segment":"personal","kind":"base","rate_pct":0.5,"base_rate_pct":0.5,"bonus_rate_pct":4.85,"intro_rate_pct":null,"intro_months":null,"product_label":"Smart Saver Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":250000,"max_balance":250000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":false}, {"segment":"smsf","kind":"ongoing","rate_pct":1.85,"base_rate_pct":1.85,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":5000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k4","restrictions":[],"record_stale":false}, {"segment":"smsf","kind":"intro","rate_pct":1.85,"base_rate_pct":1.85,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":5000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k4","restrictions":[],"record_stale":false}, {"segment":"smsf","kind":"base","rate_pct":1.85,"base_rate_pct":1.85,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":5000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k4","restrictions":[],"record_stale":false}, {"segment":"business","kind":"ongoing","rate_pct":1.85,"base_rate_pct":1.85,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":5000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k4","restrictions":[],"record_stale":false}, {"segment":"business","kind":"intro","rate_pct":1.85,"base_rate_pct":1.85,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":5000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k4","restrictions":[],"record_stale":false}, {"segment":"business","kind":"base","rate_pct":1.85,"base_rate_pct":1.85,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":5000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k4","restrictions":[],"record_stale":false} ], "condition_sets": { "k1": [ "deposit $500 or more each month", "5 or more card purchases a month", "Bonus interest is paid on balances up to $100,000 with balances in excess of $100,000 receiving the standard rate.", "linked transaction account required", "You must be or become a P&N Bank member", "the $500 monthly deposit must come from an external account or a P&N account not in your name", "the linked & Transaction Account must be held in your name only, with a Visa Debit card", "you must be 18 or older" ], "k2": [ "A member may hold a maximum of one Hi Saver account as a single account owner and one Hi Saver account as a joint account owner. You may apply to open a Hi Sav…", "You must be or become a P&N Bank member", "the introductory rate is available once per customer for single and once for joint; a new Hi Saver can be opened only 12 months after closing a previous one" ], "k3": [ "no withdrawals in the month", "deposit $100 or more each month", "Bonus interest is paid on balances up to $250,000 with balances in excess of $250,000 receiving the standard rate.", "Customers may hold up to a total of 3 Smart Saver Account accounts under single or joint names.", "Earn bonus interest when you make a minimum deposit of $100 and no withdrawals to the account in the calendar month.", "You must be or become a P&N Bank member", "no bonus in a month if the balance goes above $250,000 at any time in that month" ], "k4": [ "You must be or become a P&N Bank member", "no debit card, cheque book, Bank@Post or BPAY; money moves out only through online banking or a transfer to a transaction account", "also open to self-managed super funds (SMSFs): the bank's own words are \"Eligible business types that can open a business account with P&N Bank are: Sole traders or partnerships Trading as Companies Trusts Self-managed super funds Societies or associations\"" ] }, "unranked": { "products": 7, "transaction_account": 7 } }, "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), transaction and savings accounts category", "licence_note": "Rates are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice; bonus interest is paid only in the months the account's conditions are met; check the bank's page before acting. This is not financial advice.", "products": [ { "product_id": "146", "product_name": "Business Saver", "product_label": "Business Saver", "product_slug": "business-saver", "page": "/au/finance/savings-accounts/accounts/p-n-bank/business-saver/", "product_url": "https://www.pnbank.com.au/business-banking/bank-and-save/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "fees_url": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/", "eligibility_url": null, "account_type": "savings", "segments": [ "smsf", "business" ], "segment": "business", "description": "Business Saver", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": 5000000, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 1.85, "intro_pct": null, "base_pct": 1.85 }, "50000": { "ongoing_pct": 1.85, "intro_pct": null, "base_pct": 1.85 }, "250000": { "ongoing_pct": 1.85, "intro_pct": null, "base_pct": 1.85 } }, "rankings": [ { "segment": "smsf", "kind": "ongoing", "balance": 10000, "rank": 25, "of": 35 }, { "segment": "smsf", "kind": "ongoing", "balance": 50000, "rank": 26, "of": 35 }, { "segment": "smsf", "kind": "ongoing", "balance": 250000, "rank": 27, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 10000, "rank": 25, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 50000, "rank": 26, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 250000, "rank": 27, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 10000, "rank": 19, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 50000, "rank": 20, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 250000, "rank": 21, "of": 35 }, { "segment": "business", "kind": "ongoing", "balance": 10000, "rank": 21, "of": 42 }, { "segment": "business", "kind": "ongoing", "balance": 50000, "rank": 26, "of": 42 }, { "segment": "business", "kind": "ongoing", "balance": 250000, "rank": 28, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 10000, "rank": 21, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 50000, "rank": 26, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 250000, "rank": 28, "of": 42 }, { "segment": "business", "kind": "base", "balance": 10000, "rank": 18, "of": 42 }, { "segment": "business", "kind": "base", "balance": 50000, "rank": 23, "of": 42 }, { "segment": "business", "kind": "base", "balance": 250000, "rank": 25, "of": 42 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "app": true, "notifications": false, "unlimited_transactions": true, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Eligible members can deposit foreign cheques in branch. $10 fee for foreign cheque deposi…" ] }, "feature_tags": [ "app", "Osko", "PayID", "unlimited transactions" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "Cash Handling Fee" ], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null, "open_to": [ { "segment": "smsf", "who": "self-managed super funds (SMSFs)", "quote": "Eligible business types that can open a business account with P&N Bank are: Sole traders or partnerships Trading as Companies Trusts Self-managed super funds Societies or associations", "url": "https://www.pnbank.com.au/business-banking/bank-and-save/business-saver-account/", "checked": "2026-11-06", "citation": { "quote": "Eligible business types that can open a business account with P&N Bank are: Sole traders or partnerships Trading as Companies Trusts Self-managed super funds Societies or associations", "url": "https://www.pnbank.com.au/business-banking/bank-and-save/business-saver-account/#:~:text=Eligible%20business%20types%20that%20can,super%20funds%20Societies%20or%20associations", "document_sha256": "774778ef47d9b783334b7538a4d35ef1e1c94e8564994b7f6938edd76c5ad1ed", "confirmed": "2026-11-13" } } ] }, "conditions": [ "You must be or become a P&N Bank member", "no debit card, cheque book, Bank@Post or BPAY; money moves out only through online banking or a transfer to a transaction account", "also open to self-managed super funds (SMSFs): the bank's own words are \"Eligible business types that can open a business account with P&N Bank are: Sole traders or partnerships Trading as Companies Trusts Self-managed super funds Societies or associations\"" ], "eligibility": [ "business: Only business may apply for the account.", "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." ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/146", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/146.json", "snapshot_at": "2026-11-13T01:42:17Z", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "ranked": true, "unranked_reason": null, "row_count": 2, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.pnbank.com.au/business-banking/bank-and-save/business-saver-account/", "https://www.pnbank.com.au/business-banking/bank-and-save/", "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/" ] } }, { "product_id": "37", "product_name": "Hi Saver Account", "product_label": "Hi Saver Account", "product_slug": "hi-saver-account", "page": "/au/finance/savings-accounts/accounts/p-n-bank/hi-saver-account/", "product_url": "https://www.pnbank.com.au/bank-and-save/savings-accounts/hi-saver-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "fees_url": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/", "eligibility_url": null, "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Boost your savings and enjoy bonus interest for the first four months with our Hi Saver Account. It's your savings, supercharged.", "bonus_is_total": null, "intro_is_total": false, "intro_is_bonus_rate": false, "intro_months": 4, "intro_conditions": [ "Interest rate applies for the first four months on daily closing balances from account opening date." ], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": 5000000, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 0.05, "intro_pct": 5.6, "base_pct": 0.05 }, "50000": { "ongoing_pct": 0.05, "intro_pct": 5.6, "base_pct": 0.05 }, "250000": { "ongoing_pct": 0.05, "intro_pct": 5.6, "base_pct": 0.05 } }, "rankings": [ { "segment": "personal", "kind": "intro", "balance": 10000, "rank": 25, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 24, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 250000, "rank": 21, "of": 79 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "app": true, "notifications": false, "unlimited_transactions": true, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": true, "joint_bonus": null, "joint_not_for": null, "other": [ "Eligible members can deposit foreign cheques in branch. $10 fee for foreign cheque deposi…" ] }, "feature_tags": [ "app", "Osko", "PayID", "unlimited transactions", "joint accounts" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "Cash Handling Fee" ], "age_min": 12, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "A member may hold a maximum of one Hi Saver account as a single account owner and one Hi Saver account as a joint account owner. You may apply to open a Hi Sav…", "You must be or become a P&N Bank member", "the introductory rate is available once per customer for single and once for joint; a new Hi Saver can be opened only 12 months after closing a previous one" ], "eligibility": [ "A member may hold a maximum of one Hi Saver account as a single account owner and one Hi Saver account as a joint account owner. You may apply to open a Hi Saver account 12 months from the date of closing any previously owned Hi Saver account as a single or joint account holder.", "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." ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/37", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/37.json", "snapshot_at": "2026-11-13T01:42:17Z", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "ranked": true, "unranked_reason": null, "row_count": 2, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.pnbank.com.au/bank-and-save/savings-accounts/hi-saver-account/", "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/" ] } }, { "product_id": "303", "product_name": "Momentum Account", "product_label": "Momentum Account", "product_slug": "momentum-account", "page": "/au/finance/savings-accounts/accounts/p-n-bank/momentum-account/", "product_url": "https://www.pnbank.com.au/bank-and-save/everyday-bank-accounts/momentum-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "fees_url": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/", "eligibility_url": null, "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "A transaction account for customers aged 55 and over, with easy access to funds and variable stepped interest.", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": 5000000, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 0.3, "intro_pct": null, "base_pct": 0.3 }, "50000": { "ongoing_pct": 1.54, "intro_pct": null, "base_pct": 1.54 }, "250000": { "ongoing_pct": 2.4, "intro_pct": null, "base_pct": 2.4 } }, "rankings": [ { "segment": "personal", "kind": "base", "balance": 50000, "rank": 78, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "base", "balance": 250000, "rank": 63, "of": 91, "hidden_by_default": true } ], "features": { "card_access": true, "card": "Visa Debit card available", "digital_wallets": [ "Apple Pay, Google Pay & Samsung Pay" ], "osko": true, "payid": true, "payto": false, "bpay": false, "app": true, "notifications": false, "unlimited_transactions": true, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": true, "joint_bonus": null, "joint_not_for": null, "other": [ "Eligible customers can deposit foreign cheques in branch. $10 fee for foreign cheque depo…" ] }, "feature_tags": [ "card", "app", "Osko", "PayID", "unlimited transactions", "wallets: Apple Pay, Google Pay & Samsung Pay", "joint accounts" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "Cash Handling Fee" ], "age_min": 55, "age_max": null, "restrictions": [ "age_limited" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "age", "who": "age 55 and over", "level": "product", "quote": "MIN_AGE 55", "source": "feed: eligibility MIN_AGE" } ], "open_note": null }, "conditions": [ "age 55 and over", "Customers may hold up to a total of 3 Momentum Account accounts under single or joint names.", "You must be or become a P&N Bank customer." ], "eligibility": [ "age 55 and over: Age of 55 years and over.", "Customers may hold up to a total of 3 Momentum Account accounts under single or joint names.", "You must be or become a P&N Bank customer.", "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." ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/303", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/303.json", "snapshot_at": "2026-11-13T01:42:17Z", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "ranked": true, "unranked_reason": null, "row_count": 4, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.pnbank.com.au/bank-and-save/everyday-bank-accounts/momentum-account/", "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/" ] } }, { "product_id": "280", "product_name": "Savvy Saver Account", "product_label": "Savvy Saver Account", "product_slug": "savvy-saver-account", "page": "/au/finance/savings-accounts/accounts/p-n-bank/savvy-saver-account/", "product_url": "https://www.pnbank.com.au/bank-and-save/savings-accounts/savvy-saver/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "fees_url": "https://www.pnbank.com.au/help-and-support/fees/", "eligibility_url": null, "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Want a savings account to deposit and hold or withdraw money for personal use without being penalised? A savings account that earns you additional bonus interest when the monthly bonus interest criteria is met each month.", "bonus_is_total": false, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [ { "type": "min_monthly_deposit", "value": 500, "text": "Rate is applied when you deposit at least $500 into your eligible transaction account from an external source." }, { "type": "min_card_purchases", "value": 5, "text": "Rate is applied when you make 5 eligible Visa Debit card transactions from your linked transaction account." }, { "type": "other", "value": null, "text": "Bonus interest is paid on balances up to $100,000 with balances in excess of $100,000 receiving the standard rate." }, { "type": "linked_account", "value": null, "text": "linked" } ], "extra_bonuses": [], "max_bonus_balance": 100000, "min_balance": null, "max_balance": 5000000, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 5.5, "intro_pct": null, "base_pct": 0.2 }, "50000": { "ongoing_pct": 5.5, "intro_pct": null, "base_pct": 0.2 }, "250000": { "ongoing_pct": 2.32, "intro_pct": null, "base_pct": 0.2 } }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 10000, "rank": 20, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 50000, "rank": 19, "of": 79 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "app": true, "notifications": false, "unlimited_transactions": true, "free_transactions": null, "linked_account_required": true, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Eligible members can deposit foreign cheques in branch. $10 fee for foreign cheque deposi…", "Earn bonus interest, when you deposit at least $500 into your eligible transaction accoun…" ] }, "feature_tags": [ "app", "Osko", "PayID", "unlimited transactions", "linked account required" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "Cash Handling Fee" ], "age_min": 18, "age_max": null, "restrictions": [ "linked_account" ], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "deposit $500 or more each month", "5 or more card purchases a month", "Bonus interest is paid on balances up to $100,000 with balances in excess of $100,000 receiving the standard rate.", "linked transaction account required", "You must be or become a P&N Bank member", "the $500 monthly deposit must come from an external account or a P&N account not in your name", "the linked & Transaction Account must be held in your name only, with a Visa Debit card", "you must be 18 or older" ], "eligibility": [ "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." ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/280", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/280.json", "snapshot_at": "2026-11-13T01:42:17Z", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "ranked": true, "unranked_reason": null, "row_count": 2, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.pnbank.com.au/bank-and-save/savings-accounts/savvy-saver/", "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/" ] } }, { "product_id": "293", "product_name": "Smart Saver Account", "product_label": "Smart Saver Account", "product_slug": "smart-saver-account", "page": "/au/finance/savings-accounts/accounts/p-n-bank/smart-saver-account/", "product_url": "https://www.pnbank.com.au/bank-and-save/savings-accounts/smart-saver-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/", "fees_url": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/", "eligibility_url": null, "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Smart way to save for your goals. A simple, goal based savings account that rewards regular saving.", "bonus_is_total": false, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [ { "type": "max_withdrawals", "value": 0, "text": "Rate is applied when no withdrawals are made within the calendar month." }, { "type": "min_monthly_deposit", "value": 100, "text": "Rate is applied when a minimum of $100 is deposited within the calendar month." }, { "type": "other", "value": null, "text": "Bonus interest is paid on balances up to $250,000 with balances in excess of $250,000 receiving the standard rate." } ], "extra_bonuses": [], "max_bonus_balance": 250000, "min_balance": null, "max_balance": 250000, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 5.35, "intro_pct": null, "base_pct": 0.5 }, "50000": { "ongoing_pct": 5.35, "intro_pct": null, "base_pct": 0.5 }, "250000": { "ongoing_pct": 5.35, "intro_pct": null, "base_pct": 0.5 } }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 250000, "rank": 21, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 10000, "rank": 66, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 50000, "rank": 68, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 250000, "rank": 68, "of": 79 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "app": true, "notifications": false, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": true, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [ "app", "Osko", "PayID", "joint accounts" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "Cash Handling Fee" ], "age_min": 18, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "no withdrawals in the month", "deposit $100 or more each month", "Bonus interest is paid on balances up to $250,000 with balances in excess of $250,000 receiving the standard rate.", "Customers may hold up to a total of 3 Smart Saver Account accounts under single or joint names.", "Earn bonus interest when you make a minimum deposit of $100 and no withdrawals to the account in the calendar month.", "You must be or become a P&N Bank member", "no bonus in a month if the balance goes above $250,000 at any time in that month" ], "eligibility": [ "Customers may hold up to a total of 3 Smart Saver Account accounts under single or joint names.", "Earn bonus interest when you make a minimum deposit of $100 and no withdrawals to the account in the calendar month.", "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." ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/293", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/293.json", "snapshot_at": "2026-11-13T01:42:17Z", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "ranked": true, "unranked_reason": null, "row_count": 2, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.pnbank.com.au/bank-and-save/savings-accounts/smart-saver-account/", "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/" ] } }, { "product_id": "35", "product_name": "Way Cool Saver", "product_label": "Way Cool Saver", "product_slug": "way-cool-saver", "page": "/au/finance/savings-accounts/accounts/p-n-bank/way-cool-saver/", "product_url": "https://www.pnbank.com.au/bank-and-save/savings-accounts/way-cool-saver", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "fees_url": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/", "eligibility_url": null, "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "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.", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": 5000000, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 1.9, "intro_pct": null, "base_pct": 1.9 }, "50000": { "ongoing_pct": 0.38, "intro_pct": null, "base_pct": 0.38 }, "250000": { "ongoing_pct": 0.08, "intro_pct": null, "base_pct": 0.08 } }, "rankings": [ { "segment": "personal", "kind": "base", "balance": 10000, "rank": 70, "of": 91, "hidden_by_default": true } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": false, "payto": false, "bpay": false, "app": true, "notifications": false, "unlimited_transactions": true, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Eligible members can deposit foreign cheques in branch. $10 fee for foreign cheque deposi…" ] }, "feature_tags": [ "app", "Osko", "unlimited transactions" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "Cash Handling Fee" ], "age_min": null, "age_max": 15, "restrictions": [ "age_limited" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "age", "who": "age 15 and under", "level": "product", "quote": "MAX_AGE 15", "source": "feed: eligibility MAX_AGE" }, { "kind": "age", "who": "a parent or guardian opens the account in a branch for the child and must be a signatory", "level": "product", "quote": "A parent or guardian must open the account on the child’s behalf in the child’s name and must be a signatory on the account.", "source": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "citation": { "quote": "A parent or guardian must open the account on the child’s behalf in the child’s name and must be a signatory on the account.", "url": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/#:~:text=A%20parent%20or%20guardian%20must,a%20signatory%20on%20the%20account.", "document_sha256": "1a587088f19edc7bf4a121f2c0e92a1a37caded221a7c74d0ef30968445a51bd", "confirmed": "2026-11-13" } } ], "open_note": null }, "conditions": [ "age 15 and under", "You must be or become a P&N Bank member", "a parent or guardian opens the account in a branch for the child and must be a signatory", "at 16 the account converts to a Student Account" ], "eligibility": [ "age 15 and under: Just for kids between 0 to 15 years of age", "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." ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/35", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/35.json", "snapshot_at": "2026-11-13T01:42:17Z", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "ranked": true, "unranked_reason": null, "row_count": 2, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.pnbank.com.au/bank-and-save/savings-accounts/way-cool-saver", "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/" ] } }, { "product_id": "45", "product_name": "& Access Account", "product_label": "& Access Account", "product_slug": "access-account", "page": "/au/finance/savings-accounts/accounts/p-n-bank/access-account/", "product_url": "https://www.pnbank.com.au/bank-and-save/specialty-accounts/and-access-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "fees_url": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/", "eligibility_url": null, "account_type": "transaction", "segments": [ "personal" ], "segment": "personal", "description": "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.", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": 5000000, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 }, "50000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 }, "250000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 } }, "rankings": [], "features": { "card_access": true, "card": "Visa Debit card available", "digital_wallets": [ "Apple Pay, Google Pay & Samsung Pay" ], "osko": true, "payid": true, "payto": false, "bpay": false, "app": true, "notifications": false, "unlimited_transactions": true, "free_transactions": null, "linked_account_required": true, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Eligible members can deposit foreign cheques in branch. $10 fee for foreign cheque deposi…" ] }, "feature_tags": [ "card", "app", "Osko", "PayID", "unlimited transactions", "linked account required", "wallets: Apple Pay, Google Pay & Samsung Pay" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "Cash Handling Fee" ], "age_min": 18, "age_max": null, "restrictions": [ "linked_account" ], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "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 bor…", "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 & Ac…", "You must be or become a P&N Bank member" ], "eligibility": [ "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 linked to a home loan account at any time.", "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 or visit your nearest branch.", "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." ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/45", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/45.json", "snapshot_at": "2026-11-13T01:42:17Z", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "ranked": false, "unranked_reason": "transaction_account", "row_count": 1 }, { "product_id": "38", "product_name": "& Transaction Account", "product_label": "& Transaction Account", "product_slug": "transaction-account", "page": "/au/finance/savings-accounts/accounts/p-n-bank/transaction-account/", "product_url": "https://www.pnbank.com.au/bank-and-save/everyday-bank-accounts/and-transaction-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "fees_url": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/", "eligibility_url": null, "account_type": "transaction", "segments": [ "personal" ], "segment": "personal", "description": "A simple to use everyday bank account with unlimited free standard transactions for your everyday spending.", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": 5000000, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 }, "50000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 }, "250000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 } }, "rankings": [], "features": { "card_access": true, "card": "Visa Debit card available", "digital_wallets": [ "Apple Pay, Google Pay & Samsung Pay" ], "osko": true, "payid": true, "payto": false, "bpay": false, "app": true, "notifications": false, "unlimited_transactions": true, "free_transactions": null, "linked_account_required": false, "round_up": true, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Round up your everyday Visa Debit card purchases to the nearest $1, $5, or $10 and automa…", "Eligible members can deposit foreign cheques in branch. $10 fee for foreign cheque deposi…" ] }, "feature_tags": [ "card", "app", "Osko", "PayID", "unlimited transactions", "round-ups", "wallets: Apple Pay, Google Pay & Samsung Pay" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "Cash Handling Fee" ], "age_min": 12, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "You must be or become a P&N Bank member" ], "eligibility": [ "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." ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/38", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/38.json", "snapshot_at": "2026-11-13T01:42:17Z", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "ranked": false, "unranked_reason": "transaction_account", "row_count": 1 }, { "product_id": "42", "product_name": "Budgeting Account", "product_label": "Budgeting Account", "product_slug": "budgeting-account", "page": "/au/finance/savings-accounts/accounts/p-n-bank/budgeting-account/", "product_url": "https://www.pnbank.com.au/bank-and-save/everyday-bank-accounts/budgeting-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "fees_url": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/", "eligibility_url": null, "account_type": "transaction", "segments": [ "personal" ], "segment": "personal", "description": "An account designed for you to put aside money for your bills and expenses so you can stay on top of your finances.", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": 5000000, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 }, "50000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 }, "250000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 } }, "rankings": [], "features": { "card_access": true, "card": "Visa Debit card available", "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "app": true, "notifications": false, "unlimited_transactions": true, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Eligible members can deposit foreign cheques in branch. $10 fee for foreign cheque deposi…" ] }, "feature_tags": [ "card", "app", "Osko", "PayID", "unlimited transactions" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "Cash Handling Fee" ], "age_min": 12, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "You must be or become a P&N Bank member" ], "eligibility": [ "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." ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/42", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/42.json", "snapshot_at": "2026-11-13T01:42:17Z", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "ranked": false, "unranked_reason": "transaction_account", "row_count": 1 }, { "product_id": "139", "product_name": "Business Account", "product_label": "Business Account", "product_slug": "business-account", "page": "/au/finance/savings-accounts/accounts/p-n-bank/business-account/", "product_url": "https://www.pnbank.com.au/business-banking/bank-and-save/business-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.pnbank.com.au/legal/terms-conditions/everyday-and-savings-accounts/", "fees_url": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/", "eligibility_url": null, "account_type": "transaction", "segments": [ "smsf", "business" ], "segment": "business", "description": "A simple to use everyday bank account with unlimited free standard transactions for your business spending.", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": 5000000, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 }, "50000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 }, "250000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 } }, "rankings": [], "features": { "card_access": true, "card": "Visa Debit card available for authorised signatories", "digital_wallets": [ "Apple Pay, Google Pay & Samsung Pay" ], "osko": true, "payid": true, "payto": false, "bpay": false, "app": true, "notifications": false, "unlimited_transactions": true, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Eligible members can deposit foreign cheques in branch. $10 fee for foreign cheque deposi…" ] }, "feature_tags": [ "card", "app", "Osko", "PayID", "unlimited transactions", "wallets: Apple Pay, Google Pay & Samsung Pay" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "Cash Handling Fee" ], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null, "open_to": [ { "segment": "smsf", "who": "self-managed super funds (SMSFs)", "quote": "You will need to: have a valid ABN, be a sole trader, partnership, company, association, SMSF, trust, or not-for-profit,", "url": "https://www.pnbank.com.au/business-banking/bank-and-save/business-account/", "checked": "2026-11-06", "citation": { "quote": "You will need to: have a valid ABN, be a sole trader, partnership, company, association, SMSF, trust, or not-for-profit,", "url": "https://www.pnbank.com.au/business-banking/bank-and-save/business-account/#:~:text=You%20will%20need%20to%3A%20have,association%2C%20SMSF%2C%20trust%2C%20or%20not%2Dfor%2Dprofit%2C", "document_sha256": "9f9d98422a7a2e87db05be67b4e50c5b5eb716461102d7d7a88373aff1f045b6", "confirmed": "2026-11-13" } } ] }, "conditions": [ "You must be or become a P&N Bank member", "also open to self-managed super funds (SMSFs): the bank's own words are \"You will need to: have a valid ABN, be a sole trader, partnership, company, association, SMSF, trust, or not-for-profit\"" ], "eligibility": [ "business: Only business may apply for the account.", "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." ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/139", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/139.json", "snapshot_at": "2026-11-13T01:42:17Z", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "ranked": false, "unranked_reason": "transaction_account", "row_count": 1 }, { "product_id": "145", "product_name": "Community Account", "product_label": "Community Account", "product_slug": "community-account", "page": "/au/finance/savings-accounts/accounts/p-n-bank/community-account/", "product_url": "https://www.pnbank.com.au/bank-and-save/specialty-accounts/community-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "fees_url": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/", "eligibility_url": null, "account_type": "transaction", "segments": [ "business" ], "segment": "business", "description": "If you're running a sports or social club, charity or business association, we can help streamline the way your not-for-profit organisation handles its finances.", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": 5000000, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 }, "50000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 }, "250000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 } }, "rankings": [], "features": { "card_access": true, "card": "Visa Debit card available to authorised signatories", "digital_wallets": [], "osko": true, "payid": false, "payto": false, "bpay": false, "app": true, "notifications": false, "unlimited_transactions": true, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Eligible members can deposit foreign cheques in branch. $10 fee for foreign cheque deposi…" ] }, "feature_tags": [ "card", "app", "Osko", "unlimited transactions" ], "interest_paid": "quarterly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "Cash Handling Fee" ], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "You must be or become a P&N Bank member" ], "eligibility": [ "business: Available to not-for-profit organisations such as sport, social clubs, charity or business associations", "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." ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/145", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/145.json", "snapshot_at": "2026-11-13T01:42:17Z", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "ranked": false, "unranked_reason": "transaction_account", "row_count": 1 }, { "product_id": "140", "product_name": "Concession Account", "product_label": "Concession Account", "product_slug": "concession-account", "page": "/au/finance/savings-accounts/accounts/p-n-bank/concession-account/", "product_url": "https://www.pnbank.com.au/bank-and-save/everyday-bank-accounts/concession-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "fees_url": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/", "eligibility_url": null, "account_type": "transaction", "segments": [ "personal" ], "segment": "personal", "description": "A P&N Bank Concession Account is a low-cost everyday bank account specifically designed for eligible concession card holders.", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": 5000000, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 }, "50000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 }, "250000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 } }, "rankings": [], "features": { "card_access": true, "card": "Visa Debit card available", "digital_wallets": [ "Apple Pay, Google Pay & Samsung Pay" ], "osko": true, "payid": true, "payto": false, "bpay": false, "app": true, "notifications": false, "unlimited_transactions": true, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Eligible members can deposit foreign cheques in branch. $10 fee for foreign cheque deposi…" ] }, "feature_tags": [ "card", "app", "Osko", "PayID", "unlimited transactions", "wallets: Apple Pay, Google Pay & Samsung Pay" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "Cash Handling Fee" ], "age_min": 18, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "Available to eligible Commonwealth Government concession card holders. Commonwealth Seniors Health Card, Pensioner Concession Card, Health Care Card or Departm…", "You must be or become a P&N Bank member" ], "eligibility": [ "Available to eligible Commonwealth Government concession card holders. Commonwealth Seniors Health Card, Pensioner Concession Card, Health Care Card or Department of Veterans Affairs (DVA) .", "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." ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/140", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/140.json", "snapshot_at": "2026-11-13T01:42:17Z", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "ranked": false, "unranked_reason": "transaction_account", "row_count": 1 }, { "product_id": "36", "product_name": "Easypay Access Account", "product_label": "Easypay Access Account", "product_slug": "easypay-access-account", "page": "/au/finance/savings-accounts/accounts/p-n-bank/easypay-access-account/", "product_url": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "fees_url": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/", "eligibility_url": null, "account_type": "transaction", "segments": [ "personal" ], "segment": "personal", "description": "Easypay Access Account", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": 5000000, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 }, "50000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 }, "250000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 } }, "rankings": [], "features": { "card_access": true, "card": "Visa Debit card available", "digital_wallets": [ "Apple Pay, Google Pay & Samsung Pay" ], "osko": true, "payid": true, "payto": false, "bpay": false, "app": true, "notifications": false, "unlimited_transactions": true, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Eligible members can deposit foreign cheques in branch. $10 fee for foreign cheque deposi…" ] }, "feature_tags": [ "card", "app", "Osko", "PayID", "unlimited transactions", "wallets: Apple Pay, Google Pay & Samsung Pay" ], "interest_paid": "quarterly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "Cash Handling Fee" ], "age_min": 12, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "You must be or become a P&N Bank member" ], "eligibility": [ "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." ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/36", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/36.json", "snapshot_at": "2026-11-13T01:42:17Z", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "ranked": false, "unranked_reason": "transaction_account", "row_count": 1 } ], "rows": [ { "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "legal_entity_abn": "69087651876", "product_id": "146", "product_name": "Business Saver", "product_label": "Business Saver", "product_slug": "business-saver", "page": "/au/finance/savings-accounts/accounts/p-n-bank/business-saver/", "product_url": "https://www.pnbank.com.au/business-banking/bank-and-save/", "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "account_type": "savings", "segments": [ "smsf", "business" ], "segment": "business", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": 5000000, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "You must be or become a P&N Bank member", "no debit card, cheque book, Bank@Post or BPAY; money moves out only through online banking or a transfer to a transaction account", "also open to self-managed super funds (SMSFs): the bank's own words are \"Eligible business types that can open a business account with P&N Bank are: Sole traders or partnerships Trading as Companies Trusts Self-managed super funds Societies or associations\"" ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/146", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/146.json", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "balance_from": 0, "balance_to": 4999.99, "base_rate_pct": 1.6, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 1.6, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": true, "unranked_reason": null }, { "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "legal_entity_abn": "69087651876", "product_id": "146", "product_name": "Business Saver", "product_label": "Business Saver", "product_slug": "business-saver", "page": "/au/finance/savings-accounts/accounts/p-n-bank/business-saver/", "product_url": "https://www.pnbank.com.au/business-banking/bank-and-save/", "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "account_type": "savings", "segments": [ "smsf", "business" ], "segment": "business", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": 5000000, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "You must be or become a P&N Bank member", "no debit card, cheque book, Bank@Post or BPAY; money moves out only through online banking or a transfer to a transaction account", "also open to self-managed super funds (SMSFs): the bank's own words are \"Eligible business types that can open a business account with P&N Bank are: Sole traders or partnerships Trading as Companies Trusts Self-managed super funds Societies or associations\"" ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/146", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/146.json", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "balance_from": 5000, "balance_to": null, "base_rate_pct": 1.85, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 1.85, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": true, "unranked_reason": null }, { "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "legal_entity_abn": "69087651876", "product_id": "37", "product_name": "Hi Saver Account", "product_label": "Hi Saver Account", "product_slug": "hi-saver-account", "page": "/au/finance/savings-accounts/accounts/p-n-bank/hi-saver-account/", "product_url": "https://www.pnbank.com.au/bank-and-save/savings-accounts/hi-saver-account/", "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": false, "intro_months": 4, "max_bonus_balance": null, "min_balance": null, "max_balance": 5000000, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": 12, "age_max": null, "restrictions": [], "conditions": [ "A member may hold a maximum of one Hi Saver account as a single account owner and one Hi Saver account as a joint account owner. You may apply to open a Hi Sav…", "You must be or become a P&N Bank member", "the introductory rate is available once per customer for single and once for joint; a new Hi Saver can be opened only 12 months after closing a previous one" ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/37", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/37.json", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "balance_from": 0, "balance_to": 4999999.99, "base_rate_pct": 0.05, "bonus_rate_pct": null, "intro_rate_pct": 5.55, "ongoing_rate_pct": 0.05, "intro_total_rate_pct": 5.6, "rate_application": "whole_balance", "ranked": true, "unranked_reason": null }, { "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "legal_entity_abn": "69087651876", "product_id": "37", "product_name": "Hi Saver Account", "product_label": "Hi Saver Account", "product_slug": "hi-saver-account", "page": "/au/finance/savings-accounts/accounts/p-n-bank/hi-saver-account/", "product_url": "https://www.pnbank.com.au/bank-and-save/savings-accounts/hi-saver-account/", "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": false, "intro_months": 4, "max_bonus_balance": null, "min_balance": null, "max_balance": 5000000, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": 12, "age_max": null, "restrictions": [], "conditions": [ "A member may hold a maximum of one Hi Saver account as a single account owner and one Hi Saver account as a joint account owner. You may apply to open a Hi Sav…", "You must be or become a P&N Bank member", "the introductory rate is available once per customer for single and once for joint; a new Hi Saver can be opened only 12 months after closing a previous one" ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/37", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/37.json", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "balance_from": 5000000, "balance_to": null, "base_rate_pct": 0.05, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.05, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": true, "unranked_reason": null }, { "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "legal_entity_abn": "69087651876", "product_id": "303", "product_name": "Momentum Account", "product_label": "Momentum Account", "product_slug": "momentum-account", "page": "/au/finance/savings-accounts/accounts/p-n-bank/momentum-account/", "product_url": "https://www.pnbank.com.au/bank-and-save/everyday-bank-accounts/momentum-account/", "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": 5000000, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": 55, "age_max": null, "restrictions": [ "age_limited" ], "conditions": [ "age 55 and over", "Customers may hold up to a total of 3 Momentum Account accounts under single or joint names.", "You must be or become a P&N Bank customer." ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/303", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/303.json", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "balance_from": 0, "balance_to": 9999.99, "base_rate_pct": 0.3, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.3, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": true, "unranked_reason": null }, { "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "legal_entity_abn": "69087651876", "product_id": "303", "product_name": "Momentum Account", "product_label": "Momentum Account", "product_slug": "momentum-account", "page": "/au/finance/savings-accounts/accounts/p-n-bank/momentum-account/", "product_url": "https://www.pnbank.com.au/bank-and-save/everyday-bank-accounts/momentum-account/", "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": 5000000, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": 55, "age_max": null, "restrictions": [ "age_limited" ], "conditions": [ "age 55 and over", "Customers may hold up to a total of 3 Momentum Account accounts under single or joint names.", "You must be or become a P&N Bank customer." ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/303", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/303.json", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "balance_from": 10000, "balance_to": 49999.99, "base_rate_pct": 1.85, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 1.85, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": true, "unranked_reason": null }, { "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "legal_entity_abn": "69087651876", "product_id": "303", "product_name": "Momentum Account", "product_label": "Momentum Account", "product_slug": "momentum-account", "page": "/au/finance/savings-accounts/accounts/p-n-bank/momentum-account/", "product_url": "https://www.pnbank.com.au/bank-and-save/everyday-bank-accounts/momentum-account/", "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": 5000000, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": 55, "age_max": null, "restrictions": [ "age_limited" ], "conditions": [ "age 55 and over", "Customers may hold up to a total of 3 Momentum Account accounts under single or joint names.", "You must be or become a P&N Bank customer." ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/303", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/303.json", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "balance_from": 50000, "balance_to": 99999.99, "base_rate_pct": 2.35, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 2.35, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": true, "unranked_reason": null }, { "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "legal_entity_abn": "69087651876", "product_id": "303", "product_name": "Momentum Account", "product_label": "Momentum Account", "product_slug": "momentum-account", "page": "/au/finance/savings-accounts/accounts/p-n-bank/momentum-account/", "product_url": "https://www.pnbank.com.au/bank-and-save/everyday-bank-accounts/momentum-account/", "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": 5000000, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": 55, "age_max": null, "restrictions": [ "age_limited" ], "conditions": [ "age 55 and over", "Customers may hold up to a total of 3 Momentum Account accounts under single or joint names.", "You must be or become a P&N Bank customer." ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/303", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/303.json", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "balance_from": 100000, "balance_to": null, "base_rate_pct": 2.7, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 2.7, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": true, "unranked_reason": null }, { "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "legal_entity_abn": "69087651876", "product_id": "280", "product_name": "Savvy Saver Account", "product_label": "Savvy Saver Account", "product_slug": "savvy-saver-account", "page": "/au/finance/savings-accounts/accounts/p-n-bank/savvy-saver-account/", "product_url": "https://www.pnbank.com.au/bank-and-save/savings-accounts/savvy-saver/", "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": false, "intro_is_total": null, "intro_months": null, "max_bonus_balance": 100000, "min_balance": null, "max_balance": 5000000, "notice_days": null, "bonus_conditions": [ { "type": "min_monthly_deposit", "value": 500, "text": "Rate is applied when you deposit at least $500 into your eligible transaction account from an external source." }, { "type": "min_card_purchases", "value": 5, "text": "Rate is applied when you make 5 eligible Visa Debit card transactions from your linked transaction account." }, { "type": "other", "value": null, "text": "Bonus interest is paid on balances up to $100,000 with balances in excess of $100,000 receiving the standard rate." }, { "type": "linked_account", "value": null, "text": "linked" } ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": 18, "age_max": null, "restrictions": [ "linked_account" ], "conditions": [ "deposit $500 or more each month", "5 or more card purchases a month", "Bonus interest is paid on balances up to $100,000 with balances in excess of $100,000 receiving the standard rate.", "linked transaction account required", "You must be or become a P&N Bank member", "the $500 monthly deposit must come from an external account or a P&N account not in your name", "the linked & Transaction Account must be held in your name only, with a Visa Debit card", "you must be 18 or older" ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/280", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/280.json", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "balance_from": 0, "balance_to": 99999.99, "base_rate_pct": 0.2, "bonus_rate_pct": 5.3, "intro_rate_pct": null, "ongoing_rate_pct": 5.5, "intro_total_rate_pct": null, "rate_application": "mixed", "ranked": true, "unranked_reason": null }, { "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "legal_entity_abn": "69087651876", "product_id": "280", "product_name": "Savvy Saver Account", "product_label": "Savvy Saver Account", "product_slug": "savvy-saver-account", "page": "/au/finance/savings-accounts/accounts/p-n-bank/savvy-saver-account/", "product_url": "https://www.pnbank.com.au/bank-and-save/savings-accounts/savvy-saver/", "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": false, "intro_is_total": null, "intro_months": null, "max_bonus_balance": 100000, "min_balance": null, "max_balance": 5000000, "notice_days": null, "bonus_conditions": [ { "type": "min_monthly_deposit", "value": 500, "text": "Rate is applied when you deposit at least $500 into your eligible transaction account from an external source." }, { "type": "min_card_purchases", "value": 5, "text": "Rate is applied when you make 5 eligible Visa Debit card transactions from your linked transaction account." }, { "type": "other", "value": null, "text": "Bonus interest is paid on balances up to $100,000 with balances in excess of $100,000 receiving the standard rate." }, { "type": "linked_account", "value": null, "text": "linked" } ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": 18, "age_max": null, "restrictions": [ "linked_account" ], "conditions": [ "deposit $500 or more each month", "5 or more card purchases a month", "Bonus interest is paid on balances up to $100,000 with balances in excess of $100,000 receiving the standard rate.", "linked transaction account required", "You must be or become a P&N Bank member", "the $500 monthly deposit must come from an external account or a P&N account not in your name", "the linked & Transaction Account must be held in your name only, with a Visa Debit card", "you must be 18 or older" ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/280", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/280.json", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "balance_from": 100000.01, "balance_to": null, "base_rate_pct": 0.2, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.2, "intro_total_rate_pct": null, "rate_application": "mixed", "ranked": true, "unranked_reason": null }, { "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "legal_entity_abn": "69087651876", "product_id": "293", "product_name": "Smart Saver Account", "product_label": "Smart Saver Account", "product_slug": "smart-saver-account", "page": "/au/finance/savings-accounts/accounts/p-n-bank/smart-saver-account/", "product_url": "https://www.pnbank.com.au/bank-and-save/savings-accounts/smart-saver-account/", "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": false, "intro_is_total": null, "intro_months": null, "max_bonus_balance": 250000, "min_balance": null, "max_balance": 250000, "notice_days": null, "bonus_conditions": [ { "type": "max_withdrawals", "value": 0, "text": "Rate is applied when no withdrawals are made within the calendar month." }, { "type": "min_monthly_deposit", "value": 100, "text": "Rate is applied when a minimum of $100 is deposited within the calendar month." }, { "type": "other", "value": null, "text": "Bonus interest is paid on balances up to $250,000 with balances in excess of $250,000 receiving the standard rate." } ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": 18, "age_max": null, "restrictions": [], "conditions": [ "no withdrawals in the month", "deposit $100 or more each month", "Bonus interest is paid on balances up to $250,000 with balances in excess of $250,000 receiving the standard rate.", "Customers may hold up to a total of 3 Smart Saver Account accounts under single or joint names.", "Earn bonus interest when you make a minimum deposit of $100 and no withdrawals to the account in the calendar month.", "You must be or become a P&N Bank member", "no bonus in a month if the balance goes above $250,000 at any time in that month" ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/293", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/293.json", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "balance_from": 0, "balance_to": 249999.99, "base_rate_pct": 0.5, "bonus_rate_pct": 4.85, "intro_rate_pct": null, "ongoing_rate_pct": 5.35, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": true, "unranked_reason": null }, { "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "legal_entity_abn": "69087651876", "product_id": "293", "product_name": "Smart Saver Account", "product_label": "Smart Saver Account", "product_slug": "smart-saver-account", "page": "/au/finance/savings-accounts/accounts/p-n-bank/smart-saver-account/", "product_url": "https://www.pnbank.com.au/bank-and-save/savings-accounts/smart-saver-account/", "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": false, "intro_is_total": null, "intro_months": null, "max_bonus_balance": 250000, "min_balance": null, "max_balance": 250000, "notice_days": null, "bonus_conditions": [ { "type": "max_withdrawals", "value": 0, "text": "Rate is applied when no withdrawals are made within the calendar month." }, { "type": "min_monthly_deposit", "value": 100, "text": "Rate is applied when a minimum of $100 is deposited within the calendar month." }, { "type": "other", "value": null, "text": "Bonus interest is paid on balances up to $250,000 with balances in excess of $250,000 receiving the standard rate." } ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": 18, "age_max": null, "restrictions": [], "conditions": [ "no withdrawals in the month", "deposit $100 or more each month", "Bonus interest is paid on balances up to $250,000 with balances in excess of $250,000 receiving the standard rate.", "Customers may hold up to a total of 3 Smart Saver Account accounts under single or joint names.", "Earn bonus interest when you make a minimum deposit of $100 and no withdrawals to the account in the calendar month.", "You must be or become a P&N Bank member", "no bonus in a month if the balance goes above $250,000 at any time in that month" ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/293", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/293.json", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "balance_from": 250000, "balance_to": null, "base_rate_pct": 0.5, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.5, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": true, "unranked_reason": null }, { "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "legal_entity_abn": "69087651876", "product_id": "35", "product_name": "Way Cool Saver", "product_label": "Way Cool Saver", "product_slug": "way-cool-saver", "page": "/au/finance/savings-accounts/accounts/p-n-bank/way-cool-saver/", "product_url": "https://www.pnbank.com.au/bank-and-save/savings-accounts/way-cool-saver", "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": 5000000, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": 15, "restrictions": [ "age_limited" ], "conditions": [ "age 15 and under", "You must be or become a P&N Bank member", "a parent or guardian opens the account in a branch for the child and must be a signatory", "at 16 the account converts to a Student Account" ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/35", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/35.json", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "balance_from": 0, "balance_to": 5000, "base_rate_pct": 3.8, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 3.8, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": true, "unranked_reason": null }, { "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "legal_entity_abn": "69087651876", "product_id": "35", "product_name": "Way Cool Saver", "product_label": "Way Cool Saver", "product_slug": "way-cool-saver", "page": "/au/finance/savings-accounts/accounts/p-n-bank/way-cool-saver/", "product_url": "https://www.pnbank.com.au/bank-and-save/savings-accounts/way-cool-saver", "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": 5000000, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": 15, "restrictions": [ "age_limited" ], "conditions": [ "age 15 and under", "You must be or become a P&N Bank member", "a parent or guardian opens the account in a branch for the child and must be a signatory", "at 16 the account converts to a Student Account" ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/35", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/35.json", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "balance_from": 5000.01, "balance_to": null, "base_rate_pct": 0.0, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.0, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": true, "unranked_reason": null }, { "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "legal_entity_abn": "69087651876", "product_id": "45", "product_name": "& Access Account", "product_label": "& Access Account", "product_slug": "access-account", "page": "/au/finance/savings-accounts/accounts/p-n-bank/access-account/", "product_url": "https://www.pnbank.com.au/bank-and-save/specialty-accounts/and-access-account/", "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "account_type": "transaction", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": 5000000, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": 18, "age_max": null, "restrictions": [ "linked_account" ], "conditions": [ "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 bor…", "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 & Ac…", "You must be or become a P&N Bank member" ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/45", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/45.json", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "balance_from": 0, "balance_to": null, "base_rate_pct": 0.0, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.0, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": false, "unranked_reason": "transaction_account" }, { "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "legal_entity_abn": "69087651876", "product_id": "38", "product_name": "& Transaction Account", "product_label": "& Transaction Account", "product_slug": "transaction-account", "page": "/au/finance/savings-accounts/accounts/p-n-bank/transaction-account/", "product_url": "https://www.pnbank.com.au/bank-and-save/everyday-bank-accounts/and-transaction-account/", "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "account_type": "transaction", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": 5000000, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": 12, "age_max": null, "restrictions": [], "conditions": [ "You must be or become a P&N Bank member" ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/38", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/38.json", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "balance_from": 0, "balance_to": null, "base_rate_pct": 0.0, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.0, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": false, "unranked_reason": "transaction_account" }, { "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "legal_entity_abn": "69087651876", "product_id": "42", "product_name": "Budgeting Account", "product_label": "Budgeting Account", "product_slug": "budgeting-account", "page": "/au/finance/savings-accounts/accounts/p-n-bank/budgeting-account/", "product_url": "https://www.pnbank.com.au/bank-and-save/everyday-bank-accounts/budgeting-account/", "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "account_type": "transaction", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": 5000000, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": 12, "age_max": null, "restrictions": [], "conditions": [ "You must be or become a P&N Bank member" ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/42", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/42.json", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "balance_from": 0, "balance_to": null, "base_rate_pct": 0.0, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.0, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": false, "unranked_reason": "transaction_account" }, { "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "legal_entity_abn": "69087651876", "product_id": "139", "product_name": "Business Account", "product_label": "Business Account", "product_slug": "business-account", "page": "/au/finance/savings-accounts/accounts/p-n-bank/business-account/", "product_url": "https://www.pnbank.com.au/business-banking/bank-and-save/business-account/", "terms_url": "https://www.pnbank.com.au/legal/terms-conditions/everyday-and-savings-accounts/", "account_type": "transaction", "segments": [ "smsf", "business" ], "segment": "business", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": 5000000, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "You must be or become a P&N Bank member", "also open to self-managed super funds (SMSFs): the bank's own words are \"You will need to: have a valid ABN, be a sole trader, partnership, company, association, SMSF, trust, or not-for-profit\"" ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/139", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/139.json", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "balance_from": 0, "balance_to": null, "base_rate_pct": 0.0, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.0, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": false, "unranked_reason": "transaction_account" }, { "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "legal_entity_abn": "69087651876", "product_id": "145", "product_name": "Community Account", "product_label": "Community Account", "product_slug": "community-account", "page": "/au/finance/savings-accounts/accounts/p-n-bank/community-account/", "product_url": "https://www.pnbank.com.au/bank-and-save/specialty-accounts/community-account/", "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "account_type": "transaction", "segments": [ "business" ], "segment": "business", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": 5000000, "notice_days": null, "bonus_conditions": [], "interest_paid": "quarterly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "You must be or become a P&N Bank member" ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/145", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/145.json", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "balance_from": 0, "balance_to": null, "base_rate_pct": 0.0, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.0, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": false, "unranked_reason": "transaction_account" }, { "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "legal_entity_abn": "69087651876", "product_id": "140", "product_name": "Concession Account", "product_label": "Concession Account", "product_slug": "concession-account", "page": "/au/finance/savings-accounts/accounts/p-n-bank/concession-account/", "product_url": "https://www.pnbank.com.au/bank-and-save/everyday-bank-accounts/concession-account/", "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "account_type": "transaction", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": 5000000, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": 18, "age_max": null, "restrictions": [], "conditions": [ "Available to eligible Commonwealth Government concession card holders. Commonwealth Seniors Health Card, Pensioner Concession Card, Health Care Card or Departm…", "You must be or become a P&N Bank member" ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/140", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/140.json", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "balance_from": 0, "balance_to": null, "base_rate_pct": 0.0, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.0, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": false, "unranked_reason": "transaction_account" }, { "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "legal_entity_abn": "69087651876", "product_id": "36", "product_name": "Easypay Access Account", "product_label": "Easypay Access Account", "product_slug": "easypay-access-account", "page": "/au/finance/savings-accounts/accounts/p-n-bank/easypay-access-account/", "product_url": "https://www.pnbank.com.au/help-and-support/fees/everyday-and-savings-accounts/", "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/", "account_type": "transaction", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": 5000000, "notice_days": null, "bonus_conditions": [], "interest_paid": "quarterly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": 12, "age_max": null, "restrictions": [], "conditions": [ "You must be or become a P&N Bank member" ], "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/36", "source_snapshot": "/au/finance/savings-accounts/v1/source/p-n-bank/36.json", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "balance_from": 0, "balance_to": null, "base_rate_pct": 0.0, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.0, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": false, "unranked_reason": "transaction_account" } ], "licence_shared_with": [ "BCU Bank" ], "guarantee": { "adi": "Police & Nurses Limited", "abn": "69087651876", "shares_limit_with": [ { "brand_slug": "bcu-bank", "brand_label": "BCU Bank" } ], "may_share_limit_with": [], "source": "https://www.apra.gov.au/financial-claims-scheme/banks-building-societies-and-credit-unions/list-authorised-deposit-taking" } }