---
title: "& Access 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/45
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-29T02:00:22.6524126Z
---

# & Access 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**

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.

## At a glance

- **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 |
| 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 card to temporarily replace a lost or stolen Visa debit 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 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 payment. | 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 a direct debit transaction, and the transaction is honoured by P&N. | Event | $3.50 |
| Dishonour Fee — Where a direct debit is dishonoured due to insufficient funds. | Dishonour | $6.00 |
| Auto Transfer Dishonor 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 — 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 |
| 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 |

## 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.)
- **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** — 18 years
- **Individuals only** (Member 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** — $5,000,000.00 (Maximum balance is $5,000,000)

## More information from P&N Bank

- [Overview](https://www.pnbank.com.au/bank-and-save/specialty-accounts/and-access-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: `45`
- Last updated by the provider: 29 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/p-and-n-bank/45
- 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/45) — 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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