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P&N Bank · Savings accounts
Smart Saver Account
P&N Bank's Smart Saver Account is a savings account. The figures are the ones P&N Bank publishes under the Consumer Data Right today. The advertised rate last moved on 1 November 2026, up from 4.60% to 4.85%.
Advertised rate
4.85%
headline tier
Tiers
2
current rate rows
Last moved
+0.25pp
1 November 2026
Advertised rate, last 30 days. Between 4.60% and 4.85% over the last 30 days.
Every current rate (2)
| Tier | Rate |
|---|---|
| Variable, up to $5,000,000Floating | 0.50% |
| Bonus, up to $250,000Rate available to existing customers.; Rate is applied when no withdrawals are made within the calendar month. | 4.85% |
Rate moves, last 30 days
Published fees
| Fee | Amount |
|---|---|
| Overseas Telegraphic Transfer Feeper transaction: $45 per staff assisted telegraphic transfer sent in AUD currency. | $45 |
| International Transfer Feeper transaction: Per online banking transfer sent in a foreign currency. | $15 |
| Bank Cheque Feewhen it happens: Per bank cheque requested by you. | $10 |
| Cash Handling Feeper transaction: Coin and note deposits are available at P&N branches. | see lender |
| Cash Passport Feewhen it happens: For the initial activation and each currency top-up requested in branch. | $10 |
| Statement Retrieval Feereplacement: Fee applies for statements over 12 months old. | $2.50 |
| Manual Trace Feeper transaction: Charged for your request to manually trace a payment to confirm receipt of payment. | $40 |
| Audit Certificate Feewhen it happens: Charged per audit certificate request. | $30 |
| RTGS From Another Bankper transaction: Per payment received into your account. | $8 |
| External Auto Transfer Feeper transaction: Staff assisted creation of a recurring auto transfer payment to another organisation. | $3 |
| Manual External Transfer Feeper transaction: Staff assisted manual transfer to another organisation. | $2.50 |
| RTGS To Another Bankper transaction: Per payment sent from your account. | $25 |
Other P&N Bank savings accounts
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