Your personal information
For security reasons, we’ll need to speak with you to verify your identity if you need to update the mobile phone number recorded on your account.
You can contact us on 13 25 77 during business hours or visit your nearest branch to do this.
You can change a home or work phone number using digital banking at any time. In the mobile app go to My details > Update contact details and in internet banking go to Settings > Contact details.
You can easily update your address in internet banking or the mobile app.
In internet banking go to Settings > Address details and in the mobile app go to My details > Update address details.
You will be shown the current residential and mailing address that we have recorded for you. If these details are no longer correct, you can simply update with your new address and save.
We are required by AML/CTF legislation to maintain an up-to-date residential address for you.
If you wish to add a mailing address, please contact us on 13 25 77 or via Secure Mail.
It's important we can contact you if we need to, so please remember to keep your contact details up to date.
You can update your email address, residential address, mailing address, home or work phone number in internet banking or the mobile app at any time.
- In the mobile app go to My details > Update contact details or Update address details.
- In internet banking go to Settings > Contact details or Address details
If you want to change your mobile phone number, and it is linked to your Secure SMS codes, you'll need to contact us on 13 25 77 during business hours or visit your nearest branch.
If you officially change your name, you’ll need to take your proof of change documents into your nearest branch to get your account details updated.
You'll need to provide:
- Completed Change Account Name / Title of Account Authority Form
- Your official name change documentation
If you’re unable to attend a branch during business hours, you can complete the Certification Form and have it certified by an acceptable referee on our behalf and return these to us.
If you need more information, please message us, call 13 25 77 or visit your nearest branch and one of our friendly team will be happy to assist.
You can request access to the information we hold about you at any time by contacting the Member Advocate on 13 25 77 or at info@pnbank.com.au.
There is no fee for making a request but we may charge you the reasonable costs of providing our response to a request for access to personal information.
If we refuse to give you access to any of your personal information, we'll provide you with reasons for the refusal and the relevant provisions of the Privacy Act on which we rely to refuse access.
You can read more in our Privacy Policy.
Banking with us
As a customer-owned bank P&N Bank is owned by its members.
Our members and our owners are one and the same, so there’s no natural conflict with shareholders like the listed banks. We reinvest our profits back into the bank - for the benefit of everyone who chooses to bank with us.
The P&N Bank BSB number is 806-015
Top tip! You can easily find the BSB number whenever you need it as it's listed with each of your account numbers displayed in internet banking and the mobile app.
Your P&N Bank member number can be found on your Visa debit or credit card, rediATM card and on your statements.
Digital letters are a way you can receive your communications from P&N Bank. Instead of receiving your letters by post, we can send you communications to your nominated email address.
To keep your information safe and secure, the PDF will be password protected. Instructions for your password will be provided on the email that is sent to you with your digital letter.
Most service letters can be sent as a digital letter. This includes missed payment or overdrawn account advice, changes to your credit card or home loan accounts and service letters. Occasionally, there may be exceptions where we are required to send your letter via post.
How to set up for digital letters?
If you don’t have access to eStatements already, you’ll need to set this up via Internet Banking, the P&N Bank mobile app, by calling us on 13 25 77 or visiting one of our local branches.
Internet banking:
- Go to ‘Services’, then ‘Manage eStatements’
- Select the option ‘Register for eStatements’
- Review and accept the terms and conditions
Mobile app:
- Go to the menu and select ‘Accounts’, then ‘Manage eStatements’
- Select the option ‘Register for eStatements’
- Review and accept the terms and conditions
You will start to receive eStatements and digital letters via your nominated email address.
If you have a joint account only the primary account holder will receive digital letters. And you can switch back to receiving paper-based letters at any time. However, by opting out of receiving paper-based letters you will also be opting out of receiving eStatements.
If you would like to learn more about the benefits of receiving digital letters, or would like help in setting them up, call our friendly team on 13 25 77 or visit your nearest branch.
You can find information about the fees and charges applicable to your P&N Bank account on our fees and charges pages:
These should be read in conjunction with the fees and charges specified for the product outlined on the product page in the relevant Terms and Conditions document.
We understand that sometimes seeing a friendly face and doing your banking in person can be nice. And we welcome you at our branches located throughout the Perth metropolitan area from Joondalup to Mandurah, and down south in Bunbury.
Use our Branch Locator to find your nearest P&N Bank branch.
Remember, there are a wide range of actions you can undertake in the mobile app or internet banking for your convenience.
Please contact us on 13 25 77 if you'd like to speak to a team member.
Completed forms can be returned to us in the following ways:
- By Secure Mail. If you're an existing customer you can use Secure Mail, accessed via internet banking, Services > Secure Mail.
- By post: Send them to PO Box 8609, Perth BC WA 6849.
- In person at one of our branches.
You can use Bank@Post at participating Australia Post offices Australia-wide to deposit cash or cheques, or make a withdrawal from your account.
You will need to have a P&N Bank Visa Debit card in order to perform these transactions.
Fees and charges apply to some Bank@post transactions.
P&N Bank Txtlink SMS banking is a convenient way to keep track of your money while you’re on the move.
Using SMS on your mobile phone you can send requests to receive balances and other updates, or schedule alerts for Debit and Credits to your account, including when your pay comes in.
- Txtlink alerts will be available between the hours of 8am and 9pm (Western Standard Time) 7 days a week.
- Txtlink requests will be available 24 hours a day, 7 days a week. P&N cannot guarantee the timely delivery of messages.
- Txtlink will only be available to the mobile phone number nominated by you.
- Txtlink messages will notify you as to the status of your account at a given point in time.
- A Txtlink message may not take account as to amounts deposited (or withdrawn) but not credited (or debited) to your accounts
P&N Bank is a 'customer owned' bank which means our customers and our owners are one and the same.
So there’s no natural conflict with shareholders like at the listed banks.
Our customers own our bank, and that’s a good thing. It means any profits we make are used to improve our services, and provide benefits to our customers and the broader WA community.
Joining P&N Bank
You can easily open an account online in a matter of minutes, even if you’re not already a P&N customer.
If you’re new to P&N, you’ll need to be at least 18 years old and have two forms of ID to open your account online. You can open most everyday or savings accounts online, and from there you'll also be able to open a term deposit from internet banking or the mobile app.
If you already bank with us – great choice! You can open most deposit accounts online by going to ‘Apply’ in internet banking or ‘Open account’ in the mobile app.
If you already have a transaction or savings account with us you can log in to internet banking or the mobile app and open up a Money Maker Term Deposit account online in a matter of minutes.
To open a Regular Income Term Deposit, you can contact us via secure mail, call 13 25 77 or visit your nearest branch.
New customer?
If you’re new to P&N, you can easily open a transaction or savings account online to receive your funds, which is quick and easy. Once your funds have landed in your account, you can open a term deposit using internet banking or the mobile app.
New customers
If you're both new customers and looking for an account where either person can authorise transactions, the easiest and quickest way to apply for a joint account is to open an account online.
You'll both need to confirm your identity using two of the following identity documents:
- Australian driver's licence
- Australian passport
- green Medicare card
Remember to have your Tax File Numbers handy if you want to avoid being charged general withholding tax on any interest you earn over a certain threshold.
You can also open your new joint account at your nearest P&N branch. You’ll need to bring your Australian driver's licence or a valid passport.
Find out what other identification documents you can use to open an account.
Existing customers
If you both already bank with us then you can open your joint account by calling 13 25 77, or by visiting your nearest branch.
And if you'd like to set up your account so that both account holders need to jointly approve transactions, we'll need to see you in branch to sign an Authority to Operate Form.
If you're new to P&N Bank you'll need to have at least one photo identity document to open your account with us.
Opening your account online?
If you're opening a new bank account, or applying for a personal loan or credit card online, you'll need to confirm your identity using any two of the following documents:
- Australian driver's licence
- Australian passport
- green Medicare card
Opening your account in branch?
If you're opening your account at one of our branches you need to bring one of the following photo identity documents:
- Australian driver's licence
- Australian passport
Don't have your photo ID?
If you're under 18, not an Australian citizen or simply don't have an Australian photo identity document, you can use a combination of primary and secondary documents to open your account at one of our branches.
Switching to a customer-owned bank based right here in WA (us!) is easy.
We can guide you through the the steps to open your account, set up new payment arrangements with your new account or card and provide tips for a smooth changeover.
To have your salary credited to your P&N Bank account, you simply need to give your BSB number and account number to your employer or payroll officer.
Your account will need to be an everyday transaction account or savings account to receive your pay directly.
Whether you're a new customer or already bank with P&N, you can open a new account online in minutes.
Power of attorney
A Power of Attorney (POA) is a legal document that gives a trusted person legal authority to act on your behalf, and make financial/or legal decisions.
This can be in the form of:
- General Power of Attorney - which lets someone temporarily manage your affairs, such as if you're going away.
- Enduring Power of Attorney (EPOA) - which lets someone manage your affairs on a longer term basis.
Read more information about setting up an Enduring Power of Attorney with P&N Bank.
This information is to be used as a guide only. You should obtain independent legal advice if you are considering appointing an attorney or accepting an appointment as an attorney.
What is an Enduring Power of Attorney?
An Enduring Power of Attorney (EPOA) is a type of power of attorney which authorises a named person to make financial decisions on behalf of a donor. This continues even if the donor loses capacity. In other words, if the donor is no longer capable of making their own financial decisions, the EPOA will continue to operate to allow the attorney to make those decisions.
An EPOA is no longer valid if the donor passes away, and can only be revoked while the donor has capacity to make financial decisions. A donor can decide that the EPOA only comes into effect after they lose their capacity to make decisions and manage their own financial affairs.
What can an Enduring Power of Attorney do on a donor’s behalf?
An attorney has the ability to do anything in relation to the donor’s financial affairs that the donor could lawfully do themselves. For example, an attorney can:
- open, operate (including transferring money), or close bank accounts held in the donor’s name; and/or
- buy and sell property in the donor’s name.
It’s worth noting that there are risks and limitations to consider with powers of attorney.
Lodging an Enduring Power of Attorney document with P&N Bank
If you need to lodge an enduring power of attorney with us, use this checklist to make the process as easy as possible.
- Original document - we’re required to sight the original enduring power of attorney document. We are unable to accept photocopies. If you have an original certified copy, this may be acceptable, provided it has been certified by an authorised person and contains the certifier’s original signature.
- Fully completed and executed EPOA - ensure that the enduring power of attorney document has been completed in full. Check that all parties (donor and attorney) have signed, and that the document has been dated and witnessed as required.
- Photo identification - when attending a branch, the donor and attorney will each need to be identified using photo identification (a driver’s licence, passport or photo ID card). If the donor is unable to attend the branch, we can accept certified copies of their identification. Alternatively, please contact us to discuss other acceptable options.
- The attorney will need to create a profile with P&N Bank so we can provide access to the donor’s accounts and identify them when they contact us.
Reviewing and lodging an enduring power of attorney document can take some time, so we recommend allowing for this when coming to see us.
Please note that P&N Bank team members cannot provide advice on how the document should be completed, they cannot complete any part of the document on your behalf and cannot witness the document.
Where can I go for additional information?
If you require additional information or guidance on setting up a power of attorney, you should seek legal advice. The Western Australian government website contains further information on powers of attorney and enduring powers of attorney.
The government agencies listed below may also be able to assist:
- Office of the Public Advocate: 1300 858 455
- Public Trustee: 1300 746 116
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