Payment Service Availability Reporting

Latest quarter update
Our payment services are critical to ensure our members have access to their money when they need it. The Reserve Bank has introduced required payment system reliability reporting. As part of this, Heritage Bank will update our members on our payment system reliability every quarter.

Availability of Payment Services to Individuals and Businesses Provided by Heritage Bank

Selected services: Quarter 2 2026

Payment Service

Service Availability %

Significant outages due to problems at Heritage Bank (in hours:minutes)

Significant outages due to problems at system-wide infrastructure or natural disasters (in hours:minutes)

Withdraw/deposit cash at an ATM

100.00

 0:00

0:00

Transact over-the-counter in a branch 

100.00

0:00

0:00

Make card payments (cardholders)

100.00

0:00

0:00

Accept card payments (businesses) 

 N/A

N/A

 N/A

Access accounts using online banking (web browser or mobile device app)

99.97

0:37

0:00

Make/receive account transfers – fast payments

100.00

 0.00 0:00

Make/receive account transfers – next business day

 100.00 0.00

0:00
Description of services and metrics

Service availability %

The actual amount of time that the service is not experiencing a significant outage, as a proportion of the amount of time during which the service was planned to be available in the quarter. Planned available time excludes planned outages (e.g. for system maintenance).

Significant outage

Unplanned unavailability of a service that meets minimum thresholds for duration and the proportion of customers affected.

System-wide infrastructures

Includes payment systems provided by the RBA, card schemes and other central payment system infrastructure; electricity network; and provider of telecommunications network links to Heritage Bank operating or data centres.

Withdraw/deposit cash at ATM

Ability to withdraw or deposit cash, and check account balance, at a Heritage Bank ATM. Excludes issues relating to the cardholder’s card.

Transact over-the-counter at a branch

Ability to withdraw or deposit cash, or initiate account transfers or make bill payments over-the-counter in a branch. Excludes the ability to draw and deposit cheques. Excludes Bank@Post outlets.

Make card payments (cardholders)

Ability to use a Heritage Bank branded debit, prepaid or credit card to make a payment either in-store, on a mobile device (e.g. through an app) or online. Outages exclude problems with the business’ payments acceptance device or payments provider, or a customer’s mobile device.

Accept card payments (businesses)

NOT APPLICABLE

Access accounts using online banking (web browser or mobile device app)

Ability to log in, transfer between own accounts at Heritage Bank, initiate payments and/or view accurate and up to date account information. Excludes the ability to process payments, which is covered in ‘make/receive account transfers - fast payments’ and ‘make/receive account transfers - next business day’.

Make/receive account transfers – fast payments

Ability of Heritage Bank to process fast bank account transfers. This includes account-to-account transfers (Pay Anyone) to a PayID, and other one-off or scheduled payments (for example, direct debits and payroll payments by businesses) made through NPP/Osko. Outages exclude the inability for customers to initiate transfers due to unavailability of web or app banking channels, or a branch.

Make/receive account transfers – next business day

Ability of Heritage Bank to process bank account transfers, with funds becoming available to the recipient on the next business day or later. Includes account-to-account transfers (Pay Anyone) and scheduled payments (for example, direct debits, and payroll payments by businesses) not made as fast payments through NPP/Osko, and BPAY payments. Outages exclude the inability to initiate payments due to unavailability of web or app banking channels, or a branch.
* For detailed information on the compilation of the disclosure data, see the RBA Payments and Infrastructure Disclosures Document.