P&N savings accounts
All 4 accounts· ranked among 151
- A deposit of at least $500
- 5 card purchases
A month without them pays the 0.20% base. The bonus applies to balances up to $100,000.
- A deposit of at least $100
- No withdrawals
A month without them pays the 0.50% base. The bonus applies to balances up to $250,000.
Nothing. The rate is paid whatever the month.
The top rate applies to balances up to $5,000.
Nothing. The rate is paid whatever the month.
Savvy Saver Account pays its bonus only with one.
Overseas ATM: this is the bank’s own fee. The ATM’s owner may charge its own fee on top, which banks don’t publish, so it isn’t counted.
Compare everyday accounts beyond P&NNovember 20261 change
- 1Sun
- 3 accounts up 0.2532 days after the RBA rise to 4.60%+0.25
Way Cool Saver 3.55 3.80 +0.25 Smart Saver Account 5.10 5.35 +0.25 Savvy Saver Account 5.25 5.50 +0.25
June 20261 change
- 2Tue
- 2 accounts up 0.15 to 0.2527 days after the RBA rise to 4.35%+0.15 to +0.25
Savvy Saver Account 5.10 5.25 +0.15 Smart Saver Account 4.85 5.10 +0.25
April 20261 change
- 2Thu
- 2 accounts up 0.25 to 0.3515 days after the RBA rise to 4.10%+0.25 to +0.35
Savvy Saver Account 4.75 5.10 +0.35 Smart Saver Account 4.60 4.85 +0.25
Notes from savers
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As of 1 November 2026, P&N has four savings accounts tracked by BankMate. Its Savvy Saver Account pays 5.50% p.a. total, which ranks 19th of 151 accounts and sits 1.13 points above the market average of 4.37%. Its rates last changed on 1 November 2026. From P&N's Consumer Data Right feed, refreshed nightly. Total rate is base plus bonus, with every monthly condition met. Compare savings accounts ·