Finty
P&N Bank

P&N Bank & Access Account

$0 monthly feeNo foreign transaction fee

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.

Written byDavid Boyd
Overseas spending fee
0%
Overseas ATM fee
Not published
Digital wallets
Apple, Google, Samsung

Monthly fee

Open account

Features

Debit card
Yes
Apple, Google or Samsung Pay
Apple Pay, Google Pay, Samsung Pay
PayID
Yes
Overdraft available
Not listed

Who can open it

Age to open
18 and over

Who it's for

  • 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.

Limits and 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 borrowers. Up to 3 offset accounts may be linked to a home loan account at any time.

How it compares

Against the other everyday accounts we compare. Typical means the middle half of them.

Monthly fee

None

Most accounts that say charge none.

Overseas spending fee

None

Of what you spend in another currency. Typical is 3%.

Pros and cons

Pros

  • No monthly fee. Keeping the account costs nothing, whatever you deposit.
  • No overseas spending fee. Handy for travel and for shopping online from overseas sites.
  • PayID. People can pay you with your phone number or email instead of a BSB and account number.
  • Phone payments. Works with Apple Pay, Google Pay and Samsung Pay, so you can pay with your phone or watch.

Cons

Nothing stands out.

Similar accounts

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