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
Finding the best rates…
Savings Accounts Comparison
Bank One
P&N Bank
Best available
Up to 4.75% p.a.
Line-up
1 live product
VS
P&N Bank vs RACQ Bank
Compare P&N Bank and RACQ Bank savings accounts side by side. In March 2026, P&N Bank offers 1 account with rates up to 4.75% p.a., while RACQ Bank has 1 account reaching 4.75% p.a.
VS
1 live product
RACQ Bank
Best available rate
4.75%p.a.
Bonus Saver
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.01%
Bonus
4.74%
Conditions
Bonus rules apply
Live edge
P&N Bank and RACQ Bank are level on headline savings rate. Base rate and bonus conditions will decide the better real-world option.
Rates level
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | P&N Bank | RACQ Bank |
|---|---|---|
| Max rate | 4.75% | 4.75% |
| Base rate | 0.20% | 0.01% |
| Bonus rate | 4.55% | 4.74% |
| Has conditions | Yes | Yes |
All P&N Bank Products
Every tracked savings accounts option from P&N Bank.
All RACQ Bank Products
Every tracked savings accounts option from RACQ Bank.
In March 2026, P&N Bank's Savvy Saver offers up to 4.75% p.a. (0.20% base + 4.55% bonus), while RACQ Bank's Bonus Saver reaches 4.75% p.a. (0.01% base + 4.74% bonus). Both banks are offering the same headline rate.
P&N Bank's rate applies on balances up to $100,000.
P&N Bank has 1 savings product and RACQ Bank has 1, giving you a range of options to compare.
Quick Comparison
| Feature | P&N Bank | RACQ Bank |
|---|---|---|
| Max Rate | 4.75% | 4.75% |
| Base Rate | 0.20% | 0.01% |
| Bonus Rate | 4.55% | 4.74% |
| Conditions Required | Yes |
Common Questions
P&N Bank vs RACQ Bank FAQs
Which bank has the better savings rate, P&N Bank or RACQ Bank?
P&N Bank currently offers the higher rate at 4.75% p.a., compared to 4.75% p.a. Rates are sourced from live data and change frequently.
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.
What is RACQ Bank's best savings account rate in 2026?
RACQ Bank's best savings rate is 4.75% p.a. on the Bonus Saver, consisting of a 0.01% base rate and 4.74% bonus rate. This rate requires meeting monthly bonus conditions.
Do P&N Bank and RACQ Bank savings accounts have conditions?
Both P&N Bank and RACQ Bank require meeting monthly conditions to earn their full bonus rates.