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 UBank
Compare P&N Bank and UBank savings accounts side by side. In March 2026, P&N Bank offers 1 account with rates up to 4.75% p.a., while UBank has 1 account reaching 5.35% p.a. UBank currently leads by 0.60%.
VS
1 live product
UBank
Best available rate
5.35%p.a.
Save Account
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.00%
Bonus
4.60%
Conditions
Bonus rules apply
Live edge
UBank leads on headline savings rate by 0.60% p.a. right now. Use the feature table below to see whether that edge comes with extra conditions.
0.60% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | P&N Bank | UBank |
|---|---|---|
| Max rate | 4.75% | 5.35% |
| Base rate | 0.20% | 0.00% |
| Bonus rate | 4.55% | 4.60% |
| Has conditions | Yes | Yes |
All P&N Bank Products
Every tracked savings accounts option from P&N Bank.
All UBank Products
Every tracked savings accounts option from UBank.
In March 2026, P&N Bank's Savvy Saver offers up to 4.75% p.a. (0.20% base + 4.55% bonus), while UBank's Save Account reaches 5.35% p.a.. UBank currently leads by 0.60% p.a.
UBank's rate includes an introductory component for 4 months. UBank's rate applies on balances up to $1,000,000.
P&N Bank has 1 savings product and UBank has 1, giving you a range of options to compare.
Quick Comparison
| Feature | P&N Bank | UBank |
|---|---|---|
| Max Rate | 4.75% | 5.35% |
| Base Rate | 0.20% | 0.00% |
| Bonus Rate | 4.55% | 4.60% |
| Conditions Required | Yes |
Common Questions
P&N Bank vs UBank FAQs
Which bank has the better savings rate, P&N Bank or UBank?
UBank currently offers the higher rate at 5.35% 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 UBank's best savings account rate in 2026?
UBank's best savings rate is 5.35% p.a. on the Save Account. This rate requires meeting monthly bonus conditions.
Do P&N Bank and UBank savings accounts have conditions?
Both P&N Bank and UBank require meeting monthly conditions to earn their full bonus rates.