P&N Bank is the largest bank owned and managed in Western Australia. It has a mutual structure and concentrates on providing banking products for emergency services and public sector employees, but anyone can buy a share in order to become a member and apply for a credit card.
It is the trading name of Police and Nurses Limited, formed following the merger of around 15 emergency services and public sector credit unions in Western Australia. It is a bank with a mutual structure, operated for the benefit of its member-shareholders.
Yes. Although the bank’s branches are all located in Western Australia, and many of its members are connected with emergency services or the public sector, any Australian resident can become a member of Police and Nurses Limited by buying a single low-cost share and then opening an account, including applying for a credit card.
Accounts, including credit cards, can be managed via online banking, ATMs and a mobile app.
Both of the bank’s credit cards offer a very low (for a credit card) interest rate on purchases, applied to unpaid balances after the up to 45 interest-free days have expired. Cash advance interest rates are much higher, in line with the rates charged by most credit cards.
Yes. It has 15 branches, all located in Western Australia, and free access to RediATMs and the Big Four banks’ ATMs Australia-wide.
You can manage your accounts, including your credit card, via online banking and a mobile app.
P&N cards are compatible with all three, so you can leave your card at home and pay with your mobile device.