We compare 31 rate options across 16 home loans, 2 personal loans, 4 savings accounts, 18 term deposits and 2 credit cards from P&N Bank. Its lowest variable owner-occupied principal and interest rate on home loans is 6.38% p.a. (comparison 6.41% p.a.*), on the Basic Variable HL LVR <60. P&N Bank last updated a product in its published data on 19 Oct 2026.
ABN
69 087 651 876
Checked against P&N Bank’s own published dataWe show all of the product information we are able to access. For banking products that is each provider’s public Consumer Data Right (CDR) Product Reference Data endpoints, published under the Consumer Data Standards (CDS) maintained by the Data Standards Body. Where a provider does not publish a field, or a row is an editorial selection, we say so. on 19 Oct 2026
Compare P&N Bank Products
Each link opens P&N Bank’s products in that category, shown with the same figures we use for the rest of the market.
Variable owner-occupied principal and interest rates on 10 of its 16 home loans run from 6.38% to 7.45% p.a., with comparison rates from 6.41% to 7.48% p.a. Of its 31 rate options, 19 are fixed and 12 variable. Its average variable owner-occupied principal and interest rate is 6.68% p.a. (comparison 6.71% p.a.), against a market average of 6.85% p.a. (comparison 6.97% p.a.) across 389 home loans from 101 providers.*
Lowest advertised rate7.99% p.a.8.65% p.a. comparison rate*Fixed Secured Personal Loan
Advertised rates across its 2 personal loans run from 7.99% to 9.74% p.a., with comparison rates from 8.65% to 10.37% p.a. Of those, 2 publish a fixed rate. None of these headline rates has changed in the last 30 days.*
Products Fixed Secured Personal Loan, Fixed Unsecured Personal Loan
Advertised rates across its 4 savings accounts run from 3.55% to 5.30% p.a. Of those, 2 pay a bonus rate when conditions are met and 1 offers an introductory rate. Its average advertised rate is 4.63% p.a., against a market average of 3.30% p.a. across 312 savings accounts from 85 providers.
Products Hi Saver Account, Savvy Saver Account, Smart Saver Account, Way Cool Saver
These figures leave out 1 business savings account. Show them
All 4 of its savings accounts show no rate change since the RBA’s 29 Sep 2026 decision.
Highest advertised rate5.30% p.a.12 Month Term Deposit
Advertised rates across its 18 term deposits run from 1.60% to 5.30% p.a. Terms run from 2 months to 5 years. Its average advertised rate is 3.92% p.a., against a market average of 4.13% p.a. across 647 term deposits from 85 providers. 2 headline rates have moved in the last 30 days: 1 up and 1 down.
Includes 12 Month Term Deposit, 6 Month Term Deposit, 5 Month Term Deposit, 7 Month Term Deposit, 4 Month Term Deposit, TD 12-35 Mth (Mth Int), TD 12-35 Mth (Qrt Int), TD 12-35 Mth (Yr Int)
Lowest purchase rate11.99% p.a.P&N Bank Visa Classic
Of those, 2 publish a balance transfer or introductory rate. None of these headline rates has changed in the last 30 days.
Products P&N Bank Visa Classic, P&N Bank Visa Platinum
Comparison rate warning
*Warning: the comparison rates shown for home loans are calculated by each lender on its own standard example, usually a $150,000 loan over 25 years. This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
*Warning: the comparison rates shown for personal loans are calculated by each lender on its own standard example, usually a $30,000 loan over 5 years. This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Rates, fees and charges are subject to change without notice. Before acting on any information shown here, you should confirm the rates, fees, charges and product information with the provider. For clarity, where we have used the terms “lowest” or “best”, these relate solely to the rates of interest offered by the provider and not to any other factor. The application of these terms to a particular product is subject to change without notice if the provider changes their rates.
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