Following the Reserve Bank’s recent decision, we're increasing our existing home, investment and business variable rate loans by 0.25% p.a. from 17 February 2026. Learn more here.
For savings big and small.
Let us help you reach your savings goals with our higher interest savings accounts.
About this Rate
*Bonus Intro Rate is available for the first 4 months to new Heritage Bank members who:
- open an Online Saver account within 60 days of becoming a member; and
- hold an eligible transaction account (Simply Access, Pension Plus or Business Access) which is linked to their Online Saver.
Bonus Intro Rate is available once only per member. Balances over $100,000 will receive the flat rate only.
Heritage Bank can help you with
Our personal loans are packed with features like low interest rates, unlimited extra repayments and free online redraw.
Let us help you find the loan that's right for you. Whether you're a first home buyer, upgrading, refinancing or purchasing an investment property, we're here to help.
Research tools
These articles may help you
In the current financial climate, we’re all looking for ways to save some money and at home is a great place to start.
Heritage and People's Choice have officially merged to create a new national mutual that offers a compelling alternative to the big banks, and we'd like to share our new brand with you.
Contact us 24/7
Our local Australian contact centre is waiting for you. Call us 24/7 on 13 14 22. If overseas, call +617 4690 9000.
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Our locations
Visit us in branch today. Our branch locator can help you find the closest Heritage Bank branch or ATM near you.
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Scam help
Fight scammers with the help of Heritage. Report scams to us 24/7 on 13 14 22 and keep up to date with our latest scam alerts.
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Sustainability
We understand that the longevity of our society depends on the sustainability of our environment, communities and business practices.
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