Refer a Friend

Friendship has never been so lucrative.

How to Refer a Friend

Referring a friend, family member or colleague is easy!

  1. Open a Heritage account to get a Member Number.
  2. Provide your Member Number to the person you're referring. They'll need to quote your Member Number to Heritage when they sign up.
Remember, when a friend, family member or colleague you've referred opens an eligible Home Loan or Business Loan within three months of becoming a Heritage customer, you both receive a $250 Prepaid Visa gift card!*

Email a Friend Now

Already have a Heritage Member Number and want to email your friends, family members or colleagues about the referral rewards

Click Email a Friend below and a pre-filled email will pop up for you. Fill in the email address and your Member Number then click send!


Which products are applicable for Refer a friend?

 Enter the $1,000 draw by referring a friend, family member or colleague to one of these Heritage Accounts, Products or Loans:

  • Savings account 
  • Transaction account
  • Home loan (approved and funded)
  • Personal loan (approved and funded)
  • Term deposit
  • Credit card (approved)
  • Business account
  • Business loan (approved and funded)
  • Once referred, get a $250 Prepaid Visa gift card instantly if your friend, family member or colleague opens a:

  • Home loan (approved and funded)
  • Business loan (approved and funded) - excludes Motor Vehicle Equipment Loans
  • Loan must be open and funded within 3 months of account opening. Promotion excludes Broker introduced loans and Heritage Bank staff and their immediate families. View full terms and conditions of program.

    How many people can I refer to Heritage?

    You can refer up to 5 of your friends, family or colleagues to Heritage per month.

    How do l tell Heritage that I was referred by a friend?

    You can let us know who referred you to Heritage within 28 days of opening your account. You can either call our Contact Centre on 13 14 22 or visit your closest Heritage branch to let them know who referred you. 

    What are the Terms and Conditions for the Refer a Friend program?

    For full details of the Refer a Friend promotion, including eligibility and draw dates, refer to the promotion terms and conditions.

    When will I receive my $250 Refer a Friend Gift Card?

    In the month after the referred customers loan settles, Heritage will check that you met the promotion terms and conditions. For example, if you're loan settled in July then we'll check your eligibility for the promotion in August.

    If you're eligible for the promotion, the gift card will be sent to you via mail and should arrive within 10-15 working days.

    If you're unsure whether you qualify for the promotion, or have any other questions, talk to your local branch or call us 24/7 on 13 14 22.

    How do I activate my Heritage Prepaid Visa gift card received for referring a friend?

    If you received a gift card for referring a friend, activating your gift card is easy. Visit and use the 4-digit code included with your gift card.

    If you received a different gift card, visit our Activate a card page for more information. 

    How do I use my Heritage Prepaid Visa Gift Card?

    You can use your Heritage Prepaid Visa gift card to make purchases anywhere that accepts Visa prepaid cards and can process them electronically. There is no PIN - simply sign the back of the gift card If you are paying for an item greater than the gift card amount, advise the salesperson to split the transaction.

    Learn more.