& Access Account
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.
- Base rate
- 0%
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% | — | monthly |
Fees
| Fee | Type | Amount |
|---|---|---|
| International Transfer Fee Per online banking transfer sent in a foreign currency. | Transaction | $15.00 |
| 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 |
| 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 |
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.
- Digital wallet — Apple Pay, Google Pay & Samsung Pay
- Make payments by adding your card to your digital wallet.
- Fraud protection
- Shop safely with participating online merchants with Visa Secure and EFTPOS Secure. Please see the terms and conditions for more information.
Eligibility
- Minimum age — 18 years
- Individuals onlyMember must be a natural person rather than another legal entity.
- 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 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 — $5,000,000.00Maximum balance is $5,000,000
More Information
Published by P&N Bank under the Consumer Data Right · Last updated 16 July 2026 · Product ID 45 · View on CDR.gov.au