---
title: "Budgeting 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/42
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-29T00:00:23.4434422Z
---

# Budgeting 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**

An account designed for you to put aside money for your bills and expenses so you can stay on top of your finances.

## At a glance

- **Base rate:** 0%

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable (Interest calculated on the minimum monthly balance · Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers.) | 0% | Floating Balance Tier 1 | monthly |
| Variable (Interest calculated on the minimum monthly balance · Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers.) | 0% | 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@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 |
| 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 |
| Visa Chargeback Request Fee — When a cardholder raises a dispute relating to a card transaction. | Event | $25.00 |
| 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 — If your request for a temporary emergency Visa Debit or Credit card to temporarily replace a lost or stolen Visa Debit or Credit card is declined. | Replacement | $70.00 |
| 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 |
| External Auto Transfer Fee — Staff assisted creation of a recurring auto transfer payment to another organisation. Charged per payment. | Transaction | $3.00 |
| 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 |
| 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 |

## Features

- **Additional cards** (Replacement Card can be ordered for a lost, or damaged Visa Debit or Credit card. $50 for an urgent card replacement. $10 for a standard card replacement. An emergency issue of a temporary Visa card can be requested by you to temporarily replace a lost, stolen or damaged Visa Debit or Credit Card. If approved $320)
- **Card access** — Visa Debit card available (A Visa Debit Card is available for this account. Make purchases online or in-store using your Visa Debit card, including paywave. Please visit our website for more information.)
- **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.)
- **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
- **Individuals only** (Member must be a natural person rather than another legal entity.)
- **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/everyday-bank-accounts/budgeting-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: `42`
- Last updated by the provider: 29 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/p-and-n-bank/42
- 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/42) — 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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