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Pan Oceanic Bank review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Pan Oceanic Bank is a Solomon Islands bank serving employed adults in the government or private sector who contribute to the National Provident Fund. Its easy-access savings account pays 0.75%, and the same institution also writes personal loans for borrowers inside that employee base.

Key facts

Best for
An easy-access savings account and a personal loan from one Solomon Islands bank, aimed at salaried adults.
Headline rate
0.75%↗
Term
1 to 120 months↗
Minimum deposit
SBD 100↗
Access terms
Access your funds whenever you need them; manage savings through branch, internet and mobile banking channels↗
Account kind
Easy access↗
Legal entity
Pan Oceanic Bank Limited↗
Headquarters
Solomon Islands↗
Founded
2014↗
Support channels
Email, Phone, Help-centre, Community↗
Official website
pob.com.sb

Loans

APR
13%↗
Loan amount
SBD 200 to SBD 100,000↗
Credit check
Hard↗
Funding time
Fast Loan Disbursement↗
Lender type
Direct lender↗
Eligibility
All employed persons in the government sector (SIG) and in the private sector who contributes for the National Provident Fund; minimum fortnight net salary SBD 1,200 or more; not more than 50 years of age; must maintain an account with POB↗
Loan types
Personal, Secured, Business↗
Use cases
Home-improvement↗

Facts checked September 26, 2026, 8 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInXfacebook.com

Pros and cons

Pros

  • The easy access savings account pays 0.75% and takes a minimum deposit of SBD 100.
  • Personal loans of SBD 200 to SBD 100,000 run over terms of 1 to 120, with Fast Loan Disbursement once an application lands.
  • Support runs on email, phone and help centre, so a question can go to phone, email, a help centre or the community.
  • The bank is licensed by the Central Bank of Solomon Islands.

Cons

  • The savings rate of 0.75% sits well below the 3% median for savings accounts here.
  • Borrowing costs 13% and runs a hard credit check, so thinner credit files face a harder route.
  • Loans centre on home improvement and run across personal, secured and business products, so other goals sit outside what the bank offers.
Pan Oceanic Bank

Ready to try Pan Oceanic Bank?

Scored 8.6 / 10 by SumCue.

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Who it suits

  • Employed adults in the government or private sector who contribute to the National Provident Fund and keep an account with the bank.
  • People who want savings and a personal loan from one institution, on direct lender terms rather than through a broker.
  • Adults in the Solomon Islands who prefer branch, internet and mobile banking for the same account.

Who should look elsewhere

  • Savers chasing yield: Wise pays 3.29% and bunq pays 3.01%, both well above 0.75%.
  • Savers who want a term product, since Finteres runs 0% to 36% against the 0.75% easy-access account here.

How Pan Oceanic Bank compares

Where Pan Oceanic Bank is available

Available
Solomon Islands
Licence in Solomon Islands
Central Bank of Solomon Islands, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does the savings account pay?+

The easy-access account pays 0.75% on a minimum deposit of SBD 100. It is an easy access account, so there is no fixed term to sit through and funds can be reached whenever they are needed.

How do I deposit and withdraw?+

Savings are managed through branch, internet and mobile banking, so money can be deposited, checked and taken out without a branch visit. Access terms are open, and the easy access account is built for reaching funds whenever they are needed, from a minimum deposit of SBD 100.

What does a personal loan cost and cover?+

The annual percentage rate is 13%, and the bank lends SBD 200 to SBD 100,000 over terms of 1 to 120. Lending runs on direct lender terms, and Fast Loan Disbursement applies once an application is approved.

Who can apply for a loan?+

Loans go to employed adults in the government sector and in private sector work that contributes to the National Provident Fund. A minimum fortnight net salary is required, applicants must keep an account with the bank, and a hard credit check sits behind every application.

What purposes do the loans serve?+

The bank names home improvement as its use case, and personal, secured and business borrowing is listed, so personal, secured and business needs are covered. Because lending is direct, the decision stays with the bank rather than a broker.

Is the bank regulated?+

Pan Oceanic Bank is licensed by the Central Bank of Solomon Islands, the country's banking regulator. The bank was founded in 2014 and trades as Pan Oceanic Bank Limited, with its home market in Solomon Islands.

How do I reach support?+

Support runs on email, phone and help centre, so help goes to phone, email, a help centre or the community rather than in person only. The same channels handle savings and personal loan questions, and a single market provider means there is no second bank to contact.

How does the rate compare with the market?+

The 0.75% headline rate sits well below the 3% median for savings accounts here, and the bank ranks 406 of 488 brands on that measure. Savers after yield should weigh Wise at 3.29% and bunq at 3.01%.

Sources

  • pob.com.sb/company-profile checked September 26, 2026

    Backs: Founded

    “Founded in 2014, POB Solomon Islands has quickly become one of the country's best-performing banks”

  • pob.com.sb/compliance-status checked September 26, 2026

    Backs: Headquarters, Legal entity, Licences

    “Suite 220 Level 1, Hyundai Mall, Mendana Avenue, Honiara, Solomon Islands”

  • pob.com.sb/frequently-asked-questions checked September 26, 2026

    Backs: Eligibility, Support channels

    “(a) Their minimum fortnight net salary should be SBD 1,200 or more, (b) They should be not more than 50 years of age, (c) They should be maintaining an account with POB”

  • pob.com.sb/interest-rates checked September 26, 2026

    Backs: APR

    “PERSONAL LOANS AGAINST NPF - PERSONAL(NPF) 13%”

  • pob.com.sb/loan-calculator checked September 26, 2026

    Backs: Loan amount, Credit check, Term

    “$200 $82,000 $100,000”

  • pob.com.sb/service-types/loan checked September 26, 2026

    Backs: Loan types

    “Home Loan; Personal Loan (NPF); Trade Loan; Commercial Loan”

  • pob.com.sb/service/oceanic-general-savings-account checked September 26, 2026

    Backs: Access terms, Account kind, Headline rate, Minimum deposit

    “Flexibility: Access your funds whenever you need them.”

  • pob.com.sb/service/personal-loan checked September 26, 2026

    Backs: Funding time, Lender type, Use cases

    “Fast Loan Disbursement”

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Rate type, Deposit protection.

Related by the facts

Pan Oceanic Bank

Pan Oceanic Bank

An easy-access savings account and a personal loan from one Solomon Islands bank, aimed at salaried adults.

8.6/10See alternatives