Small business pricing strategy: getting the most from what you do
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|business visa secured - purchases, and cash advances|
|business visa unsecured - purchases, and cash advances|
|Annual fee||$45 per card|
|Direct debits and credits||Free|
|One replacement card per account, per year
|Additional replacement cards||$10 per card|
|Manual Transfer Fee to a Heritage account (in branch upon request)||
|Manual Transfer Fee to an external payee (in branch upon request)||$4.00|
Overseas ATM or counter withdrawals (Visa)
$5.00 plus overseas currency conversion fee
|Cash Advance Fee||2% of the withdrawal amount (minimum fee of $2.50)# ~|
|^Bank@Post transactions are free for members for which a residential postcode recorded by Heritage is within the range 0000 to 3999 or 4311, 4312, 4313, 4360, 4361 and 4385 to 9999.
#Cash Advance Fee applies whenever one of the following transactions are performed; Cash withdrawal, cheque withdrawal, periodic payment, direct debit, manual transfer or debit transfer counter transactions at a Heritage Branch; ATM/EFTPOS cash withdrawal or transfer within Australia or overseas*; Cash withdrawal over the counter at another financial institution (domestically or overseas*); Heritage Access Line Transfer; Heritage Online transfer (including payments made by Mobile Banking and New Payments Platform transfers) and withdrawals through Bank@Post (including purchase withdrawals with a cash out component). Other fees may also be applicable for certain cash advance transactions.
~Transactions performed in a currency other than Australian Dollar (AUD) also have Overseas Currency Conversion Fee charged