Savings account

Savvy Saver Account

Current savings rate from P&N Bank. Compare the ongoing rate, bonus conditions, introductory offers, and eligibility in one place.

Savvy Saver Account

View on bank website ↗ 18+
5.10% p.a.
ongoing rate
Rate breakdown
Base rate: 0.20%
Bonus rate: + 4.90%
How to earn it

Deposit $500 or more into your linked P&N transaction account from an external source and make 5 or more Visa Debit card purchases each month. Bonus applies on balances up to $100,000.

Bonus rate applies on balances up to $100,000

Rate current since 23 Apr 2026.

What to know

This page focuses on the ongoing rate: 5.10% p.a. That is the rate after any honeymoon period ends.

To earn the full rate, you need to meet these conditions: Deposit $500 or more into your linked P&N transaction account from an external source and make 5 or more Visa Debit card purchases each month. Bonus applies on balances up to $100,000.

The bonus component is capped at $100,000.

Eligibility: minimum age 18 .