P&N Bank Savings Account Rates & Review

P&N Bank Savings Accounts as of October 2025

Total interest earned below is based on a $20,000 deposit amount over 1 year.

Provider	Base interest rate	Max interest rate	Total interest earned	Introductory Term	Minimum Amount	Maximum Amount	Account Keeping Fees	Min. Monthly Deposit	Min. Opening Deposit	Linked account required	ATM Access	EFTPOS Facility	as ofOctober 15, 2025

	2.80^%_p.a.	2.80^%_p.a.	^$567		^$0	^$4,999	0		0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Way Cool Saver
Way Cool Saver More details
	1.05^%_p.a.	1.05^%_p.a.	^$211		^$0	^$99,999,999	0		0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	& Retirement Account
& Retirement Account More details
	0.85^%_p.a.	0.85^%_p.a.	^$171		^$5,000	^$99,999,999	0		0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Business Saver Account
Business Saver Account More details
	0.60^%_p.a.	0.60^%_p.a.	^$120		^$0	^$4,999	0		0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Business Saver Account
Business Saver Account More details
	Bonus rate of 3.80%Rate varies on savings amount. 0.50^%_p.a.	4.30^%_p.a.	^$877		^$0	^$249,999	0	0	100	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Smart Saver Account
Smart Saver Account More details
	Bonus rate of 3.80%Rate varies on savings amount. 0.50^%_p.a.	4.30^%_p.a.	^$877		^$0	^$249,999	0	0	100	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Smart Saver Account
Smart Saver Account More details
	Bonus rate of 4.30%Rate varies on savings amount. 0.20^%_p.a.	4.50^%_p.a.	^$919		^$0	^$249,999	0	0	500	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Savvy Saver Account (bonus interest paid on balances up to $100k)
Savvy Saver Account (bonus interest paid on balances up to $100k) More details
	0.05^%_p.a.	Intro rate for 4 monthsthen 0.05% p.a. 4.25^%_p.a.	^$292	4	^$0	^$99,999,999	0	0	0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Hi Saver
Hi Saver More details

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P&N Bank Savings Accounts

P&N Bank Savings Accounts as of October 2025

Way Cool Saver

Way Cool Saver

& Retirement Account

& Retirement Account

Business Saver Account

Business Saver Account

Business Saver Account

Business Saver Account

Smart Saver Account

Smart Saver Account

Smart Saver Account

Smart Saver Account

Savvy Saver Account (bonus interest paid on balances up to $100k)

Savvy Saver Account (bonus interest paid on balances up to $100k)

Hi Saver

Hi Saver

Latest Deposit News

What's happening to my savings account after the August RBA cash rate cut?

What's happening to my savings account after the RBA cash rate cut?

What's happening to my savings account after the RBA cash rate cut?

Medium-length term deposits get the juice this week

Compare More P&N Bank Products

Savings Accounts Comparison & Tools

Banks' Savings Account Interest Rates

Important Information

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Comparison Rate Warning and Base Criteria

Monthly Repayment Figures

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