1 live product
BankSA
Best available rate
4.65%p.a.
Incentive Saver
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.10%
Bonus
4.55%
Conditions
Bonus rules apply
Finding the best rates…
Savings Accounts Comparison
Bank One
BankSA
Best available
Up to 4.65% p.a.
Line-up
1 live product
VS
BankSA vs P&N Bank
Compare BankSA and P&N Bank savings accounts side by side. In March 2026, BankSA offers 1 account with rates up to 4.65% p.a., while P&N Bank has 1 account reaching 4.75% p.a. P&N Bank currently leads by 0.10%.
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 0.10% p.a. right now. Use the feature table below to see whether that edge comes with extra conditions.
0.10% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | BankSA | P&N Bank |
|---|---|---|
| Max rate | 4.65% | 4.75% |
| Base rate | 0.10% | 0.20% |
| Bonus rate | 4.55% | 4.55% |
| Has conditions | Yes | Yes |
All BankSA Products
Every tracked savings accounts option from BankSA.
All P&N Bank Products
Every tracked savings accounts option from P&N Bank.
In March 2026, BankSA's Incentive Saver offers up to 4.65% p.a. (0.10% base + 4.55% 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 0.10% p.a.
P&N Bank's rate applies on balances up to $100,000.
BankSA has 1 savings product and P&N Bank has 1, giving you a range of options to compare.
Quick Comparison
| Feature | BankSA | P&N Bank |
|---|---|---|
| Max Rate | 4.65% | 4.75% |
| Base Rate | 0.10% | 0.20% |
| Bonus Rate | 4.55% | 4.55% |
| Conditions Required | Yes |
Common Questions
BankSA vs P&N Bank FAQs
Which bank has the better savings rate, BankSA or P&N Bank?
P&N Bank currently offers the higher rate at 4.75% p.a., compared to 4.65% p.a. Rates are sourced from live data and change frequently.
What is BankSA's best savings account rate in 2026?
BankSA's best savings rate is 4.65% p.a. on the Incentive Saver, consisting of a 0.10% base rate and 4.55% 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 BankSA and P&N Bank savings accounts have conditions?
Both BankSA and P&N Bank require meeting monthly conditions to earn their full bonus rates.