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P&N Bank · Overdrafts
Equity Access Account
P&N Bank's Equity Access Account is a overdraft. The figures are the ones P&N Bank publishes under the Consumer Data Right today. The advertised rate last moved on 13 October 2026, up from 9.12% to 9.37%.
Advertised rate
9.37%
headline tier
Tiers
3
current rate rows
Last moved
+0.25pp
13 October 2026
Advertised rate, last 30 days. Between 9.12% and 9.37% over the last 30 days.
Every current rate (3)
| Tier | Rate |
|---|---|
| Variable, up to $100,000Floating Balance Tier 1 | 0.01% |
| Variable, $100,000 and overFloating Balance Tier 2 | 0.05% |
| Variable | 9.37% |
Rate moves, last 30 days
- 13 October 2026: Variable lifted 0.25pp, from 9.12% to 9.37%.
Published fees
| Fee | Amount |
|---|---|
| Bank@Post Withdrawal Feeper withdrawal: Fee for Bank@Post cash withdrawal at participating Australia Post offices. | $3 |
| Bank Cheque Feewhen it happens: Per bank cheque requested by you. | $10 |
| Statement Retrieval Feereplacement: Fee applies for statements over 12 months old. | $2.50 |
| Declined Emergency Visa Card Feereplacement: Payable if your emergency card request is declined. | $70 |
| Valuation Feeupfront: First valuation is free. | $0 |
| Legal Fee: Payable at cost when legal advice or services are required over the life of the loan. | see lender |
| Third Party Document Production Fee: Payable at cost if the Bank incurs costs or had to pay a third party in connection with something that needs to be done under the Loan or Security. | see lender |
| Title Consent Feewhen it happens: Payable when we are requested to consent to a change relating to your title. | $150 |
| Loan Contract Variation Feeon variation: Charged when we process a variation of your contract or any security such as; substitution, partial release, additional or transfer of security, amendment to th | $250 |
| Discharge of Mortgage Non-Settlement Feeon exit: Charged for the preparation of documents for the discharge of mortgage where no settlement is required. | $350 |
| Discharge of Mortgage Settlement Feeon exit: Charged for the preparation of documents for the discharge of mortgage in relation to a settlement. | $395 |
| Withdrawal of Caveat Non-Settlement Feewhen it happens: Without settlement per document. | $55 |
Get an email the morning P&N Bank moves this rate.
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