4 live products
ANZ
Best available rate
4.50%p.a.
Growth Saver
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.10%
Bonus
4.40%
Conditions
Bonus rules apply
Finding the best rates…
Savings Accounts Comparison
Bank One
ANZ
Best available
Up to 4.50% p.a.
Line-up
4 live products
VS
ANZ vs P&N Bank
Compare ANZ and P&N Bank savings accounts side by side. In March 2026, ANZ offers 4 accounts with rates up to 4.50% p.a., while P&N Bank has 1 account reaching 4.75% p.a. P&N Bank currently leads by 0.25%.
VS
1 live product
P&N Bank
Best available rate
4.75%p.a.
Savvy Saver
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.20%
Bonus
4.55%
Conditions
Bonus rules apply
Live edge
P&N Bank leads on headline savings rate by 0.25% p.a. right now. Use the feature table below to see whether that edge comes with extra conditions.
0.25% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | ANZ | P&N Bank |
|---|---|---|
| Max rate | 4.50% | 4.75% |
| Base rate | 0.10% | 0.20% |
| Bonus rate | 4.40% | 4.55% |
| Has conditions | Yes | Yes |
All ANZ Products
Every tracked savings accounts option from ANZ.
All P&N Bank Products
Every tracked savings accounts option from P&N Bank.
In March 2026, ANZ's Growth Saver offers up to 4.50% p.a. (0.10% base + 4.40% bonus), while P&N Bank's Savvy Saver reaches 4.75% p.a. (0.20% base + 4.55% bonus). P&N Bank currently leads by 0.25% p.a.
P&N Bank's rate applies on balances up to $100,000.
ANZ has 4 savings products and P&N Bank has 1, giving you a range of options to compare.
Quick Comparison
| Feature | ANZ | P&N Bank |
|---|---|---|
| Max Rate | 4.50% | 4.75% |
| Base Rate | 0.10% | 0.20% |
| Bonus Rate | 4.40% | 4.55% |
| Conditions Required | Yes |
Common Questions
ANZ vs P&N Bank FAQs
Which bank has the better savings rate, ANZ or P&N Bank?
P&N Bank currently offers the higher rate at 4.75% p.a., compared to 4.50% p.a. Rates are sourced from live data and change frequently.
What is ANZ's best savings account rate in 2026?
ANZ's best savings rate is 4.50% p.a. on the Growth Saver, consisting of a 0.10% base rate and 4.40% bonus rate. This rate requires meeting monthly bonus conditions.
What is P&N Bank's best savings account rate in 2026?
P&N Bank's best savings rate is 4.75% p.a. on the Savvy Saver, consisting of a 0.20% base rate and 4.55% bonus rate. This rate requires meeting monthly bonus conditions.
Do ANZ and P&N Bank savings accounts have conditions?
Both ANZ and P&N Bank require meeting monthly conditions to earn their full bonus rates.