Simply Access Account

Our Simply Access everyday bank account is just that - a simple, but flexible, transaction account with no monthly fee and 24/7 access. Open your account online today and start banking with Heritage in minutes.


Account features

  • No monthly fee bank account^
  • Visa Debit Card
  • Get money out fee free at Heritage ATMs and "Big 4" Bank ATMs in Australia~
  • Set up your digital wallet to make secure payments on the go
  • 24/7 access to mobile, internet and phone banking
  • Cancel or lock your cards and block selected transaction types in our Mobile Banking App
  • eStatements
  • Transact through Bank@Post
  • Great for everyday banking
Transaction fees

Transaction type 

Fee per transaction

Direct credits and debits Free
Visa debit and Visa payWave Free
Counter cash deposits, withdrawals, transfers and BPAY® Free
Heritage ATM withdrawals, transfers and balance enquiries Free
AUD Cheque deposits Free
Presented cheques 
Overseas ATM or counter withdrawals (Visa)  $5.00 plus overseas currency conversion fee 
Bank@Post Transactions Free
Awards for Bank of the Year - Customer Service and Customer-Owned Institution of the Year
Research tools
Budget planner
Savings calculator
Term deposit calculator
How to save more money
How to choose the best savings account
Ways to bank with Heritage
Interest rates for accounts
More interest rates


Monthly account keeping fee^

Interest Rate
$1 or more
interest calculated on daily balances and paid quarterly
Interest Rate
Rates Effective From 01/07/2024

Our specialists are available to answer any of your questions, so you can choose the product that best suits your needs.

They can also help with internet banking, card management and lots more.  Tap here for live assistance.