P&N Bank




P&N Bank, the largest mutual bank in Western Australia, offers its members fees and rates specially designed for them. P&N Bank customer service is considered impeccable, just like their products like credit cards, bank and savings accounts, term deposits, home and personal loans, etc. The competitive P&N Bank interest rates attract customers, and the fact that it is a customer-owned bank, the profits are reinvested in the bank.

  • Bank Type

    Mutual Bank

  • Founded


  • Headquarters


  • Industry


  • Formerly/Predecessor

    Police & Nurses Credit Society (F)

  • Subsidiaries


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Pros & Cons-P&N Bank


  • Strict lending policies.
  • High Property Value for First Home Buyers.
  • Home Loan for Self-Employed.
  • Strict Age Restrictions.
  • Customer Support.


  • Signup Fees.

About P&N Bank

P&N Bank, formerly known as Police & Nurses Credit Society, has been providing banking services for 30 years. This is the largest mutual bank in Western Australia, with more than 14 branches and over 330 employees. Given it is a customer-owned bank, the bank is owned by the customers and the shareholders of Police & Nurses Limited. P&N Bank's customer service helps its customers resolve their queries very quickly, and the products offered by the bank help an individual to achieve their financial goals efficiently and effectively.

This guide explores various aspects of P&B Bank Australia and educates the readers on P&N Bank loan rates, customer service contact details, types of accounts and banking hours.

Features and Benefits of P&N Bank

There are a number of banks in Australia that claim to provide the best banking services and other perks to their customers. A person must investigate the features and benefits of a bank before opting to carry out banking-related activities. The following are the features and benefits of P&N Bank.

  • It is a customer-owned bank
  • There are 14 easy-to-access branches spread over Western Australia. A few branches are functional on Saturday as well.
  • A customer’s journey with the bank is supported by P&B Bank customer service. 
  • P&N Bank interest rates on home loans are quite competitive, and the bank provides virtual home loan lending specialists to assist a customer.
  • The bank’s mobile application allows customers to access their virtual Visa Debit card anytime, anywhere. The action of pausing the card in case of theft or loss can also be carried out through the app, thus, eliminating the need to visit a bank branch.
  • The term deposit is available to customers for balances of $5,000 - $1 million.
  • Through the Helping &nds program, the bank provides financial support to the local communities, individuals and charities.
  • The bank is the sponsor of Perth Wildcats, thus allowing its customers discounted tickets to the team’s basketball matches.
  • Services like internet banking and mobile app simplify the banking process.
  • The feature of Pay&Save rounds up the transaction amounts to the nearest denomination of $1, $5 or $10. This helps a customer to save money.
  • The official portal of the P&B Bank is easy to navigate.

Services Offered by P&N Bank

P&N Bank aims to provide its customers with the best services. The services are designed to satisfy the banking needs of a customer. The following services are offered by P&B Bank.

Home Loans

P&N Bank offers home loans that aid a customer in fulfilling their dream of owning a house. The minimum P&N Bank loan rate is 4.49% p.a. The home loan services offered by the bank are as follows:

  • Buying a house for the first time
  • Buying another house or refinancing
  • Investing in a property
  • Accessing equity
  • Reverse mortgage

Personal Banking

Personal banking consists of products that are required by a customer on an all-day basis. The various personal banking products offered by the bank are as follows:

  • Everyday Account
  • Savings Account
  • Term Deposits
  • Personal and car loans
  • Credit Card


Insurance protects a person against any negative incident. P&N Bank provides the following insurance.

  • Car Insurance
  • Home Insurance
  • Landlord Insurance
  • Travel Insurance
  • Motorcycle Insurance
  • Caravan Insurance
  • Boat Insurance

Other Services

  • Internet Banking 
  • Mobile App
  • Mymoby P&N Bank
  • PayTo
  • eStatements
  • Instant Digital Cards
  • Faster Payments and PayID
  • Digital Banking
  • Digital Wallets

Types of Accounts in P&N Bank

P&N Bank bestows its customers with different types of accounts to help them achieve their financial goals by carrying out banking-related activities smoothly. The following type of accounts is offered by the bank.

Everyday Account

The Everyday Account has low fees that allow a customer to keep more money. Customer can access their account through a debit card and payWave. The various types of Everyday Accounts are:

  • & Transaction Account
  • Easypay Access Accounts
  • Budgeting Account
  • Student Account
  • Concession Account

Savings Account

A savings account safely holds the money of the people and provides them with interest. The P&N Bank interest rate savings are competitive and differ from one account type to another. The various types of savings accounts offered by the bank are:

  • & Retirement Account
  • Hi Saver Account
  • SwiftSaver Account
  • Wayy Cool Saver Account

The P&N Bank interest rates begin from 1.70% p.a. And may go up to 3.50% p.a.

Term Deposit Account

The term deposit account of the P&N Bank provides a high level of security and a guaranteed return rate. Investors can enjoy their savings growing substantially by investing in this term deposit account. Deposits up to $250,000 are protected under the Financial Claims Scheme. A customer can apply online, through a mobile application or walk into the branch. There are two types of term deposits offered by the P&N Bank. They are:

  • Money Maker Term Deposit - The tenure ranges from 2 to 11 months. The P&N Bank interest rates range from 1.25% - 2.90% and are paid at maturity.  
  • Regular Income Term Deposit - The tenure ranges from 12 to 60 months. The P&N Bank interest rates range from 4.10% - 4.00% and are paid monthly, quarterly and annually.

P&N Bank Opening Hours

P&N Bank opening hours are 9:00 am to 5:00 pm. The bank allows customers to visit the bank branch during these hours. The P&N Bank’s bank hours may vary from one branch to another, and a few of the branches might be operational on a Saturday.

P&N Bank Contact Details / Customer Service

The P&N Bank customers can avail of the customer service provided by the bank in case they find themselves stuck in a rut. P&N Bank customer service will assist the clients in resolving their queries. A client can use the following details to reach out to P&N Bank customer service.

Contact Numbers

Customer service is available at the following contact numbers from 8.00 am. - 6.00 pm from Monday to Friday and from 9.00 am - 5.00 pm (AWST) on a Saturday

General Enquiry: 13 25 77 and +61 8 9219 7609 (overseas) Lost or Stolen Cards: 
  • Business Hours: 13 25 77 and +61 8 9219 7609 (overseas)
  • Outside of Business Hours: 1800 648 027 and +61 2 8299 9101 (overseas)
Card Fraud:
  • Business Hours: 13 25 77 and +61 2 8299 9534 (overseas)
  • Outside of Business Hours: 1300 705 750 and +61 2 8299 9534 (overseas)
National Relay Service:

The National Relay Service assists clients experiencing speech or hearing impairment. Call 13 25 77 and ask for P&N Bank.

Email ID: [email protected]

Frequently Asked Questions

How good is PN Bank?

P&N Bank is a good bank. It is a customer-owned bank that reinvests its profit.

Who owns PN Bank?

The owners of P&N Bank are its members and those who own a share of the Police and Nurse limited.

How do I contact PN Bank?

P&N Bank can be contacted at 13 25 77 and +61 8 9219 7609 (overseas) for general enquiry. For more information, please read our guide above.

How much cash can I withdraw from PN Bank?

A customer can withdraw cash up to $1,000 from the ATM of the P&N Bank.

Is PN Bank a good bank?

Yes, P&N Bank is a good bank. However, you must go through our guide on the P&N Bank and decide for yourself.

What is the minimum balance for PN Bank?

A minimum balance of $5,000 must be maintained in P&N Bank.

Why use us?

The customised financial services from UrbanMoney Oceania caters to the varying requirements of the applicant on their fund procurement journey.

Low interest rates

The intricate online model ensures the best interest rates are offered to the customers. The services aim to diminish the overhead costs.

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Australian based support team

Our support team offers tailor-made services to customers intending to conclude loan transactions without any hassle. Available to customers at their convenience.


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