Help & support for mobile app

To use our mobile app, you'll need to first be registered for internet banking.

You can register for internet banking by calling us during business hours on 13 25 77 or visiting your nearest branch. 

Once registered, download the app from Google Play or the Apple App Store, then follow these steps to register the app:

• Tap the Login button.
• Enter your P&N Bank member number.
• Enter your internet banking password.
• Choose a name for your device.
• Choose an app PIN and confirm it.

If your device supports biometrics, you can choose to enable fingerprint or face recognition instead of using your app PIN.

You’ll receive an SMS code to verify your registration and be prompted to accept the terms and conditions. Once set up, the app will remember your details — you’ll just need to enter your PIN or use biometrics (like Face ID or Touch ID) each time you log in.

If your device has biometric authentication (allowing you to use your fingerprint or face to unlock your phone and log in to apps) set up when you first register the mobile app, you’ll be automatically asked if you'd like to use it to log in.

If your app is already registered, you can enable biometrics anytime by going to:

• Android: Settings > Biometric login
• iOS: Settings > Touch ID or Face ID

To turn biometrics off, simply go back to the same setting and toggle it off.

If you're having trouble registering the mobile app, try these troubleshooting tips:

• If you see an 'Access is denied' message, check that your member number and password are entered correctly.
• If you see an 'Invalid PIN' message, make sure you’re not using common or sequential number patterns like 1111 or 1234.
• If you see a 'The request has specified invalid data' message, ensure that the device name you entered doesn’t include special characters (including auto-corrected text), and that your phone language is set to English. You can change the language again after registration if needed.

If you're still having trouble or need further information, call us on 13 25 77 – we're happy to help!

To add our mobile app to your Apple Watch, follow these steps:

• Go to the App Store on your Apple Watch and download the mobile app.
• Once the app is installed, open the mobile app on your phone and go to Settings > Apple Watch to register and connect your account(s).

If you forget your mobile app PIN, you’ll need to reregister the app using your internet banking password to reset it.

• If you’re on the app login screen and not using biometrics, tap the 'Forgot your app PIN' link.
• If you’re already logged in, go to Settings > Forgot app PIN and follow the steps to reregister your app.

You can use the P&N Bank mobile app on a range of devices, including smartwatches. 

For the latest information on the minimum operating system requirements needed to install the app, please check the app stores:

You can easily set up alerts in the mobile app to keep track of payments to and from your accounts.

To get started:

1. Go to Settings > Alerts.
2. Tap the cog icon (top right) to open alert settings.
3. Choose how you’d like to receive alerts – by SMS, email, or push notifications.

If you’d prefer not to get alerts at certain times, use the Schedule alerts toggle to set when you want to receive them.

Once your alert settings are saved, you can create a variety of alerts:

• General alerts: For direct credits and debits.
• Account alerts: For balance thresholds and scheduled balance updates.
• Card alerts: For card transactions.
• Push notifications: For due or overdue payments, or when an account is overdrawn.

You can set up a one-off or regular future-dated payment between your own accounts, or to a BSB and account number using the mobile app. Please note, future-dated payments cannot be made to a PayID.

Go to Pay > Pay someone. Choose an existing payee (with BSB and account number) or add a new one. Select 'Schedule this payment' and then choose 'Once' or 'Recurring' to set the frequency and the number of payments.

If you have any questions or would like help scheduling a payment or transfer, call us on 13 25 77 or visit your nearest branch.

You can easily update your scheduled payments in the mobile app.

Go to Pay > Scheduled, select the payment, and slide from left to right to view the payment details.

You’ll see a list of options where you can update the debit account, amount, date, and frequency of the payment. Any changes you make will automatically replace the existing scheduled payment.

If you have redraw enabled, you can easily redraw from your loan in the mobile app by transferring funds between your accounts.

1. From the Transfer or Pay someone screen, select your home loan as the 'From' account. 
2. You can transfer up to the amount shown as 'available' in your loan balance. This amount takes your upcoming minimum monthly payment into account, ensuring that redrawing won't cause you to fall behind on repayments.

For example, if you’ve paid an additional $9,000 into your loan and your next repayment is $1,500, your 'available' balance will be $7,500. Your 'in advance' amount will show the total amount you've paid in addition to your required repayments.

If you don't already have redraw set up, you'll need an eligible loan and to return a completed Redraw Authority Nomination Form - PDF (40kB) to us via secure mail or in a P&N Bank branch.

You can personalise the name that appears for each of your accounts, which can be helpful when saving for different goals or managing accounts for specific purposes (e.g. house deposit, new car, takeaway fund).

To personalise an account name in the mobile app:

1. Select the account you want to personalise.
2. Tap the three dots in the top-right corner.
3. Choose Rename account > Personalised account name > Update.

You can change or remove your personalised account name any time. To revert to the original name, just delete the custom name and save your changes.

You can easily register a PayID in the mobile app. 

A PayID is a unique identifier – either a mobile phone number or email address – linked to your account. It allows you to receive instant and secure payments directly to your account, without needing a BSB and account number.

To register a PayID: Go to Pay > Manage PayID and follow the prompts

To link an available PayID to your account:

1. Select the account you'd like to connect to the PayID.
2. Choose the account name from the options provided.
3. Review and accept the terms and conditions.
4. Enter the secure code sent to your PayID to validate ownership.

Note: If you’re setting up a PayID using an email address, the code will be sent to that email, not via SMS.

If the PayID you entered is unavailable or already in use, you’ll be notified. You can dispute ownership by clicking Dispute.

You can send money to a PayID using the mobile app app. Just go to Transfer/Pay > Pay someone, and choose 'New payee' and then 'PayID'. Then enter the PayID – this could be a mobile number, email address, or an ABN. You can even select a phone number or email address directly from your contacts!

If the PayID is valid, the recipient’s name will appear on the next screen. Confirm the name matches the person you’re sending money to, then enter:

• Amount to transfer
• Description (optional, up to 180 characters)
• Email address to notify the recipient (optional)
• Payee nickname (optional)

Your PayID payment will be sent via Osko and should arrive in the recipient’s account within minutes.

If you forget your mobile app PIN, you’ll need to reregister the app using your internet banking password to reset it.

• If you’re on the app login screen and not using biometrics, tap the 'Forgot your app PIN' link.
• If you’re already logged in, go to Settings > Forgot app PIN and follow the steps to reregister your app.

You can set up different alerts to help you manage your accounts and budget more effectively. You can choose to receive these alerts via email or SMS.

Account alerts (can be applied to a selected account):

• Threshold alert: Get notified when your balance goes above or below a specified amount.
• Scheduled balance alert: Receive updates on your account balance at a time and frequency you choose.

Card alerts (can be applied to a selected debit or credit card):

• Transaction alert: Be notified of all transactions, or specific ones like tap & go, ATM withdrawals, or in-store purchases.
• Threshold alert: Get notified when a card transaction exceeds a certain amount.

Push notifications (available on mobile app only, applies to all accounts):

• Payment due: Get notified when a repayment is due for your home loan, personal loan, or credit card.
• Payment overdue: Receive a notification if a payment is overdue on your home loan, personal loan or credit card.
• Overdrawn account: Get alerted when your account is overdrawn.
• Successful Osko payment: Receive a notification when an Osko payment is successfully sent.
• Osko payment returned: Be notified when an Osko payment was unsuccessful and has been returned to you.

Checking how much interest you’ve earned (or paid) in our mobile app is easy. You’ll see interest amounts for the current and previous financial years, plus any tax that’s been withheld.

To view your interest:

1. Go to Menu > Accounts > Interest.

You can also check interest for individual accounts by selecting the account on the Accounts screen and tapping the ‘i’ info icon.

With your Apple Watch, you can make payments using Apple Pay. Plus, you can download and connect the P&N Bank mobile app to view your balances on the go.

When you put your Apple Watch on, you’ll be prompted to enter your device passcode – this enables Apple Pay. If the watch is removed from your wrist and skin contact is lost, Apple Pay and the NFC feature are automatically deactivated.

To make a payment with your default card, just double-click the side button and hold the display of your watch near the contactless reader until you feel a gentle tap. That’s it – quick and easy!

If you lose your Apple Watch and it’s connected to your mobile banking app, here’s what to do:

• Call us on 13 25 77 to disable your card for Apple Pay – or log in to the mobile app and block your card using Card controls.
• Go to iCloud.com and remove your card from your Apple Watch.

If you find your watch later, you can re-add your card by following the same steps you used when first setting it up with Apple Pay.