Pension Plus

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


  • Available for retired customers aged 55 years or older, or customers in receipt of an Australian Government pension
  • Competitive Stepup interest rate 
  • Free internet, phone and mobile banking
  • Free Heritage ATM transactions
  • Visa Debit card or chequebook available
  • eStatements available
  • Transact through Bank@Post 
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 18/07/2019


Monthly account keeping fee

Transaction Type 

Fee Per Transaction

Direct credits and debits Free
Visa debit and Visa payWave  Free
Bank@Post Transactions  Free
Counter cash deposits, withdrawals, transfers and BPAY®  Free
Heritage ATM withdrawals, transfers and balance enquiries  Free
Cheque deposits  Free
Presented cheques 
Overseas ATM or counter withdrawals (Visa)  $5.00 plus overseas currency conversion fee
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