Refer a Friend

Friendship has never been so lucrative.

Refer a friend for your chance to

Win $1,000 each!*

Refer a friend, family member or colleague to Heritage Bank and you will both go into the draw to win a $1,000 Prepaid Visa gift card each.* You can refer up to 5 friends, family members or colleagues to Heritage per month to increase your chances to win. Check out our latest $1,000 winners below!

Refer a Home or Business Loan to

Instantly get $250 each!*

When a friend, family member or colleague you've referred opens a Home Loan or Business Loan within three months of becoming a Heritage customer, you both receive a $250 Prepaid Visa gift card!* Wouldn't that be nice to come home to?

Congratulations to our latest $1,000 Visa gift card Winners!

Congratulations to our latest $1,000 Visa gift card Winners!

 March 2021 Winners

Mrs E Monro, Reedy Creek QLD

Mr A Monro, Reedy Creek QLD

February 2021

Mrs S Johnson, Toowoomba QLD

Miss L Johnson, Wariwck QLD

January 2021

Mrs L Bond, Bracken Ridge QLD

Miss R Bond, Bracken Ridge QLD

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.