Way Cool Saver

P&N Bank's Way Cool Saver 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 3.55% to 3.80%.

Advertised rate

3.80%

headline tier

Tiers

current rate rows

Last moved

+0.25pp

1 November 2026

Advertised rate, last 30 days. Between 3.55% and 3.80% over the last 30 days.

Every current rate (1)

Tier	Rate
Variable, up to $5,000Floating Balance Tier 1	3.80%

Rate moves, last 30 days

1 November 2026: Variable, up to $5,000 lifted 0.25pp, from 3.55% to 3.80%.

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
Cash Handling Feeper transaction: Coin and note deposits are available at P&N branches.	see lender
Statement Retrieval Feereplacement: Fee applies for statements over 12 months old.	$0
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.	$0
RTGS From Another Bankper transaction: Per payment received into your account.	$0
Manual External Transfer Feeper transaction: Staff assisted manual transfer to another organisation.	$0
RTGS To Another Bankper transaction: Per payment sent from your account.	$0
Foreign Cheque Deposit <$25,000 Feeper deposit: $10 fee for foreign cheque deposits up to $25,000 AUD.	$10
Foreign Cheque Deposit $25,000+ Feeper deposit: $60 fee for foreign cheque deposits of $25,000 AUD or more.	$60

Other P&N Bank savings accounts

Hi Saver Account 5.55%Savvy Saver Account 5.30%Smart Saver Account 4.85%Business Saver 1.85%

Get an email the morning P&N Bank moves this rate.

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