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Savings · Side by side

P&N Hi Saver Account vs P&N Smart Saver Account

vs
Both are open to anyone 18 or over.
Interest a year on $50,000, with the conditions met
$25
0.05% on this balance
$2,675
5.35% on this balance

P&N Smart Saver Account pays $2,650 more a year on $50,000 than P&N Hi Saver Account.

Drag to try another balance

Where they differThe rate (0.05% against 5.35%), the conditions on the bonus, how much of a balance the top rate covers and the intro rate.

The same on bothOpen to anyone 18 or over and no minimum balance.

P&NHi Saver Account
P&NSmart Saver Account
Interest a year without meeting the conditions
on $50,000
$25
No conditions to miss
$250
at the base rate
+$225 · More without meeting the conditions
Total rate
base plus bonus
0.05%
5.35%
+5.30 · Higher total rate
Base rate
paid whatever you do
0.05%
the whole rate
0.50%
+0.45 · Higher base rate
Bonus rate
None
one rate, nothing to do
4.85%
with the conditions met
+4.85 · Higher bonus rate
Top rate paid up to
No cap
Covers all of it · Covers more of a balance
$250k
What the bonus asks each month
Nothing
  1. A deposit of at least $100
  2. No withdrawals
Intro rate
for new accounts
5.60%
for 4 months
None
Rank by total rate
113th of 117
among accounts open to adults
26th of 117
among accounts open to adults
Last rate change
No change
since 25 Sep 2026
1 Nov 2026
up 0.25

Rates over time

Each account's total rate, a cell a week. A move shows as ▲ or ▼ in the week it happened.

P&N Hi Saver Account
Go to siteMore about this account
P&N Smart Saver Account
Go to siteMore about this account

As of 2 November 2026, P&N Hi Saver Account pays 0.05% with nothing to do each month, and P&N Smart Saver Account pays 5.35% with its monthly conditions met. On $50,000, that's $25 against $2,675 a year, $2,650 more from P&N Smart Saver Account. Figures are the banks' published rates, worked out on the balance above. Each row says which figure is higher; it doesn't say which account suits you.

Compare all 151 accounts

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