---
title: "Hi Saver Account — P&N Bank"
description: "Transaction & Savings Accounts 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/37
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-28T14:00:23.3596895Z
---

# Hi Saver Account — P&N Bank

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

**Transaction & Savings Accounts**

Boost your savings and enjoy bonus interest for the first four months with our Hi Saver Account. It's your savings, supercharged.

## At a glance

- **Base rate:** 0.05%
- **Intro rate:** 5.3% (conditions apply)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Introductory · 4 months (The Hi Saver introductory interest rate applies for the first four months on daily closing balances from account opening date. At the end of the bonus period the standard ongoing variable interest rate at that time will apply. · Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers. · Interest rate applies for the first four months on daily closing balances from account opening date.) | 5.3% | Introductory Bonus Rate $0–$5,000,000 | monthly |
| Variable (Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers.) | 0.05% | 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 |
| --- | --- | --- |
| Overseas Telegraphic Transfer Fee — $45 per staff assisted telegraphic transfer sent in AUD currency. $30 per staff assisted telegraphic transfer sent in a foreign currency. | Transaction | $45.00 |
| International Transfer Fee — Per online banking transfer sent in a foreign currency. | Transaction | $15.00 |
| Bank Cheque Fee — Per bank cheque requested by you. | Event | $10.00 |
| Cash Handling Fee — Coin and note deposits are available at P&N branches. Coin deposits must be counted and bagged by customers or you will be charged 5% of the coin amount. Note deposits more than $10,000 per day will be charged at 0.25% of the deposit amount. | Transaction | Variable |
| Cash Passport Fee — For the initial activation and each currency top-up requested in branch. | 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 |
| Manual Trace Fee — Charged for your request to manually trace a payment to confirm receipt of payment. | Transaction | $40.00 |
| Audit Certificate Fee — Charged per audit certificate request. | Event | $30.00 |
| RTGS From Another Bank — Per payment received into your account. To cover the cost of processing 'SWIFT' payments from overseas and same day local payments through 'RTGS' (Real Time Gross Settlement) systems. | Transaction | $8.00 |
| Manual External Transfer Fee — Staff assisted manual transfer to another organisation. Charged per transfer. | Transaction | $2.50 |
| RTGS To Another Bank — Per payment sent from your account. To cover the cost of processing 'SWIFT' payments as same day local payments through 'RTGS' (Real Time Gross Settlement) systems. | Transaction | $25.00 |
| Referral Fee — Where an account has insufficient available funds to cover an auto transfer or direct debit transaction, and the transaction is honoured by P&N Bank. | Event | $3.50 |
| Dishonour Fee — Where a direct debit is dishonoured due to insufficient funds. | Dishonour | $6.00 |
| Auto Transfer Dishonour Fee — Charged where there are insufficient funds in your account when an external auto transfer or BPAY payment is due to be made. | Dishonour | $6.00 |
| Overdrawn Account Management Fee — A fee applied in relation to any month where we allow the approved credit limit on your account to be exceeded by more than $50 or, if your account does not have an approved credit limit, if we allow you to overdraw your account by more than $50. | Event | $10.00 |
| 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 |

## Features

- **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.)
- **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.)
- **PayID** (Use your phone or email address as your PayID to securely send payments to and from banks almost instantly.)
- **Eligible members can deposit foreign cheques in branch. $10 fee for foreign cheque deposits up to $25,000 AUD and $60 fee for foreign cheque deposits over $25,000 AUD. Please contact us on 13 25 77 or visit your nearest branch for more information.**
- **Unlimited transactions** (Save money with no monthly, minimum balance or transaction fees. Other fees and charges may apply. Please visit our website for full information.)

## Eligibility

- **Minimum age** — 12 years
- **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 status** — 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.

## Constraints

- **Maximum balance** — $5,000,000.00 (Maximum balance is $5,000,000)

## More information from P&N Bank

- [Overview](https://www.pnbank.com.au/bank-and-save/savings-accounts/hi-saver-account/)
- [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/everyday-and-savings-accounts/)

## Data provenance

- Published by P&N Bank under the Consumer Data Right
- Product ID: `37`
- Last updated by the provider: 28 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/p-and-n-bank/37
- 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/37) — 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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