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P&N Bank rates
P&N Bank publishes 61 products with a current advertised rate. The rates below are the ones it publishes under the Consumer Data Right today; a rate marked restricted is open only to a stated occupation, employer or membership. Click a product for every rate, its 30-day history and its latest moves, or see every rate in the explorer.
P&N Bank's lowest home loan rate is 6.38% on Basic Variable HL LVR <60, 0.36 points below the median of 6.74%, the median of all 1,247 advertised home loan rates from 83 lenders. Its highest savings account rate is 5.55% on Hi Saver Account, 1.55 points above the median of 4.00%, the median of all 197 advertised savings account rates from 76 lenders. P&N Bank repriced 32 products in the last 30 days, most recently lifting Savvy Saver Account on 1 November 2026, from 5.05% to 5.30%.
Home loans
Savings accounts
| Product | Advertised rate |
|---|---|
| Hi Saver Account | 5.55% |
| Savvy Saver Account | 5.30% |
| Smart Saver Account | 4.85% |
| Way Cool Saver | 3.80% |
| Business Saver | 1.85% |
Term deposits
| Product | Advertised rate |
|---|---|
| 12 Month Term Deposit | 5.30% |
| 6 Month Term Deposit | 5.20% |
| 5 Month Term Deposit | 4.80% |
| 7 Month Term Deposit | 4.40% |
| 4 Month Term Deposit | 4.30% |
| TD 12-35 Mth (Mth Int) | 4.20% |
| TD 12-35 Mth (Qrt Int) | 4.20% |
| TD 12-35 Mth (Yr Int) | 4.20% |
| & Retirement Term Deposit | 3.85% |
| 9 Month Term Deposit | 3.80% |
| 3 Month Term Deposit | 3.75% |
| 11 Month Term Deposit | 3.70% |
| 8 Month Term Deposit | 3.70% |
| 10 Month Term Deposit | 3.60% |
| TD 36-60 Mth (Mth Int) | 3.35% |
| TD 36-60 Mth (Qrt Int) | 3.35% |
| TD 36-60 Mth (Yr Int) | 3.35% |
| 2 Month Term Deposit | 1.60% |
Transaction accounts
| Product | Advertised rate |
|---|---|
| Momentum Account | 2.70% |
Credit cards
| Product | Advertised rate |
|---|---|
| P&N Bank Visa Classic | 11.99% |
| P&N Bank Visa Platinum | 11.99% |
Personal loans
| Product | Advertised rate | Comparison rate |
|---|---|---|
| Fixed Secured Personal Loan | 7.99% | 8.65% |
| Fixed Unsecured Personal Loan | 9.74% | 10.37% |
Overdrafts
| Product | Advertised rate |
|---|---|
| Equity Access Account | 9.37% |
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