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Savings · Side by side

P&N Savvy 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
$2,750
5.50% on this balance
$2,675
5.35% on this balance

P&N Savvy Saver Account pays $75 more a year on $50,000 than P&N Smart Saver Account.

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Where they differThe rate (5.50% against 5.35%), the conditions on the bonus and how much of a balance the top rate covers.

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

P&NSavvy Saver Account
P&NSmart Saver Account
Interest a year without meeting the conditions
on $50,000
$100
at the base rate
$250
at the base rate
+$150 · More without meeting the conditions
Total rate
base plus bonus
5.50%
+0.15 · Higher total rate
5.35%
Base rate
paid whatever you do
0.20%
0.50%
+0.30 · Higher base rate
Bonus rate
5.30%
with the conditions met
+0.45 · Higher bonus rate
4.85%
with the conditions met
Top rate paid up to
$100k
$250k
+$150k · Covers more of a balance
What the bonus asks each month
  1. A deposit of at least $500
  2. 5 card purchases
  1. A deposit of at least $100
  2. No withdrawals
Rank by total rate
16th of 117
among accounts open to adults
26th of 117
among accounts open to adults
Last rate change
1 Nov 2026
up 0.25
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 Savvy Saver Account
Go to siteMore about this account
P&N Smart Saver Account
Go to siteMore about this account

As of 1 November 2026, P&N Savvy Saver Account pays 5.50% with its monthly conditions met, and P&N Smart Saver Account pays 5.35% with its monthly conditions met. On $50,000, that's $2,750 against $2,675 a year, $75 more from P&N Savvy 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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