Pension Plus

Keep your retirement savings or pension income secure while earning a competitive interest rate.


  • No account keeping fees
  • Pays high interest
  • Free internet and phone banking
  • Free mobile banking
  • Free SMS Account Enquiries
  • Free Heritage ATM transactions
  • Visa Debit card or chequebook available
  • eStatements available
  • Transact through Bank@Post 
  • Reflects current Department of Social Services policy on assessment of pension benefits and saving accounts 
Interest Rate
$1 to $1,999
$2,000 to $50,199
$50,200 to $299,999
$300,000 or more
Stepup interest calculated on daily balances and paid monthly
Interest Rate
Interest Rate
Interest Rate
Interest Rate
Rates Effective From 01/07/2018

Account keeping fee  $0 
 Transaction type Monthly fee free zone   Fee per excess transaction
 Heritage on-line banking   Unlimited   Free
 Heritage Access Line phone banking
 SMS Account Enquiries
 Direct credits
 Direct debits
 Cheque deposits
 Counter cash deposits
 Presented cheques
 Counter cash withdrawals, transfers and BPAY
 Heritage ATM withdrawals, transfers and balance enquiries
 Bank@Post balance enquiries
 Bank@Post cash withdrawals
 Bank@Post cheque deposits
 Bank@Post cash deposits
 EFTPOS  15  $0.50
 SMS Alerts  0  $0.25
 Non-Heritage counter withdrawals (Visa)  0  $2.50
 Overseas ATM or counter withdrawals (Visa)  0  $5.00 plus 3% overseas currency conversion fee
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