---
title: "Equity Access Account — P&N Bank"
description: "Overdrafts from P&N Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/p-and-n-bank/products/158
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-28T12:00:23.1012305Z
---

# Equity Access Account — P&N Bank

> Overdrafts from P&N Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Overdrafts**

Looking to finance a new car, a wedding, home renovations? Expand your options with an Equity Access - a flexible line of credit borrowed against the equity in your home.

## At a glance

- **From:** 9.12% (Variable)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Owner occupied · Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers. ) | 9.12% | — | — |

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable (Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers.) | 0.01% | Floating Balance Tier 1 | monthly |
| Variable (Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers. ) | 0.05% | Floating Balance Tier 2 | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Bank@Post Withdrawal Fee — Fee for Bank@Post cash withdrawal at participating Australia Post offices. | Withdrawal | $3.00 |
| Bank Cheque Fee — Per bank cheque requested by you. | Event | $10.00 |
| Statement Retrieval Fee — Fee applies for statements over 12 months old. Payable on request to issue a copy of a previously issued statement. | Replacement | $2.50 |
| Declined Emergency Visa Card Fee — Payable if your emergency card request is declined. | Replacement | $70.00 |
| Valuation Fee — First valuation is free. Additional valuations are charged to you at the cost we have incurred. | Upfront | $0.00 |
| Legal Fee — Payable at cost when legal advice or services are required over the life of the loan. | Other | Variable |
| Third Party Document Production Fee — Payable at cost if the Bank incurs costs or had to pay a third party in connection with something that needs to be done under the Loan or Security. | Other | Variable |
| Title Consent Fee — Payable when we are requested to consent to a change relating to your title. | Event | $150.00 |
| Loan Contract Variation Fee — Charged when we process a variation of your contract or any security such as; substitution, partial release, additional or transfer of security, amendment to the term of a loan or a loan account. | Variation | $250.00 |
| Discharge of Mortgage Non-Settlement Fee — Charged for the preparation of documents for the discharge of mortgage where no settlement is required. | Exit | $350.00 |
| Discharge of Mortgage Settlement Fee — Charged for the preparation of documents for the discharge of mortgage in relation to a settlement. | Exit | $395.00 |
| Withdrawal of Caveat Non-Settlement Fee — Without settlement per document. When we are requested to remove a caveat lodged on a title. | Event | $55.00 |
| Withdrawal of Caveat Settlement Fee — With settlement per document. When we are requested to remove a caveat lodged on a title. | Event | $160.00 |
| Referral Fee — Where a line of credit has insufficient available funds to cover an auto transfer or direct debit transaction, and the transaction is honoured by P&N. | Event | $3.50 |
| Dishonour Fee — Payable when a direct debit set up on your line of credit, is dishonoured due to insufficient funds. | Dishonour | $6.00 |
| Auto Transfer Dishonour Fee — Where a line of credit has insufficient available funds to cover an external auto transfer, or BPAY transaction, and the transaction is dishonoured by P&N. | Dishonour | $6.00 |
| Visa Foreign Currency Conversion Fee — 3% of the transaction value in AUD. When you use your Visa Credit or Debit card in a foreign currency either online or at a merchant point of sale outside or in Australia. Please refer to our website for more information. | Transaction | $0.00 |
| Card Replacement - Standard Fee — For the replacement of a lost or damaged Visa Debit card. | Replacement | $10.00 |
| Card Replacement - Urgent Fee — For the urgent replacement of a lost or damaged Visa Debit card. | Replacement | $50.00 |
| Emergency Card Replacement - Approved Fee — For the issue of a temporary emergency Visa Debit card, to temporarily replace a lost, stolen or damaged Visa Debit card. | Replacement | $320.00 |
| Foreign Cheque Deposit <$25,000 Fee — $10 fee for foreign cheque deposits up to $25,000 AUD. Eligible members can deposit foreign cheques in branch. | Deposit | $10.00 |
| Foreign Cheque Deposit $25,000+ Fee — $60 fee for foreign cheque deposits of $25,000 AUD or more. Eligible members can deposit foreign cheques in branch. | Deposit | $60.00 |
| Default Notification Fee — 46 · Payable at cost when we issue a default notice because you are in default under the contract. | Late payment | Variable |
| Late Payment Notification Fee — 11 · Charged when a payment to a home loan becomes overdue by 11 days and 30 days. | Late payment | $5.00 |
| Management Administration Fee — 90 · Charged monthly when a payment to a home loan becomes overdue by more than 90 days. | Late payment | $50.00 |
| Collection Agent Administration Fee — 90 · Payable when a payment to a home loan becomes overdue for more than 90 days and we choose to engage an external collection agent. | Late payment | $100.00 |
| GOVT Registration of Mortgage — This fee is payable to the bank in reimbursement of Government charges relating to registration of mortgage on the security property. Amounts are set by the land titles office by each state or territory. | Other | Variable |
| GOVT Discharge of Mortgage — This fee is payable to the bank in reimbursement of Government charges relating to discharge of mortgage on the security property. Amounts are set by the land titles office by each state or territory. | Other | Variable |
| GOVT Title Search Fee — This fee is payable to the bank in reimbursement of Government charges relating to obtaining title searches on the security property. Amounts are set by the land titles office by each state or territory. | Other | Variable |
| Property Exchange Australia (PEXA) Charges — Payable when we have to register or release of any documents relating to a security electronically, request information or we process a financial settlement using PEXA. Fees are applied as charged by PEXA. | Other | Variable |
| Loan Establishment Fee — No fee for establishment or top-up of the home loan. | Upfront | $0.00 |
| Lenders Mortgage Insurance — LMI is insurance that protects the bank if the borrower/s are unable to make home loan repayments. LMI is required when a borrowers deposit is generally less than 20% of the property value plus other government fees. Please see our fact sheet for details. | Other | Variable |
| Search Admin Fee — Administration fee charged per loan for obtaining title searches | Upfront | $25.00 |
| Over Limit Management Fee — Charged when an overdraft or line of credit account exceeds the approved limit by more than $50 during the month. | Event | $10.00 |
| Document Preparation Fee — Fee for preparation of loan contracts charged at the time of funding or settlement of the loan. | Upfront | $300.00 |
| Default Interest Rate — A default rate may be charged on any overdue amount if you fail to pay the amount due under the loan contract by its due date. The default rate is 2% per annum above the Annual Percentage Rate applying to the loan account and accrues daily from the due date until payment is made. | Other | Variable |

## Features

- **Card access** — Visa Debit card available (Make purchases online or in-store using your Visa Debit card, including paywave.)
- **Digital banking** (Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.)
- **Fraud protection** (Shop safely with participating online merchants with Visa Secure and EFTPOS Secure. Please see the terms and conditions for more information.)
- **Guarantor supported** (Subject to our credit policy, the customer may be able to nominate a guarantor during the origination process.)
- **Real-time payments (NPP)** (Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.)
- **Overdraft available** (Drawdown your line of credit at any time without having to reapply. No fixed repayments - make repayments only to keep your balance under the approved limit. Interest is only charged on the amount drawn. Please see our website for more information.)

## Eligibility

- **Minimum age** — 18 years
- **Individuals only** (Member must be a natural person rather than another legal entity.)
- **Credit eligibilty criteria, terms and conditions, fees and charges apply.**
- **You must be or become a P&N Bank member**
- **Residency status** — At least one applicant must be an Australian or New Zealand citizen or an Australian permanent resident. Income for non-permanent residents isn't included. Australian's living overseas are eligible only if they had prior lending with PNL.

## Constraints

- **Maximum limit** — $5,000,000.00 (Maximum loan amount is $5,000,000)
- **Maximum LVR** — 90% (The maximum Loan to Value Ratio is 90%)
- **Minimum limit** — $20,000.00 (Minimum loan amount is $20,000)

## More information from P&N Bank

- [Overview](https://www.pnbank.com.au/home-loans/specialty/equity-access/)
- [Terms & conditions](https://www.pnbank.com.au/important-information/terms-and-conditions/savings-accounts-and-access-channels/)
- [Fees & pricing](https://www.pnbank.com.au/help-and-support/fees/home-loans/)

## Data provenance

- Published by P&N Bank under the Consumer Data Right
- Product ID: `158`
- Last updated by the provider: 28 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/p-and-n-bank/158
- Provider page: https://www.cdrcompare.au/brands/p-and-n-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000128

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/p-and-n-bank/products/158) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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