Heritage Online business internet banking is the quick and convenient way to manage your business finances at a time that suits you.

With Heritage Business Netbanking, you can:

  • Process payroll and creditor batches created by standard accounting packages. Payments can be made to accounts at Heritage as well as other financial institutions
  • Use a security token to authorise batch transactions
  • Pay bills with BPAY ® 
  • View bills with BPAY View ®
  • Check account balances
  • Perform inter-bank transfers
  • View transaction history
  • View pending credit card transactions
  • View account details
  • Filter transactions
  • Download transactions
  • Maintain periodic payments
  • Display year-to-date interest
  • Order a statement
  • Activate or cancel your cards
  • Login to linked accounts
  • Receive SMS alerts
  • Perform SMS account enquiries
Need help setting up your Business Netbanking for the first time? View and print the Business Netbanking help guide

Security Tokens

To perform certain transactions through Heritage Online business internet banking, a special device called a security token is required. A security token is an electronic device which can be used to generate codes (called token codes) which can then be used to initiate or authorise transactions.

Each security token issued to a token holder will have permissions assigned according to your recognised instructions. The permissions define the functions that the token holder can and cannot perform through Heritage Online business internet banking by using their security token.

Heritage can configure the number of token holders required to authorise an action before that action is approved to occur.

® Registered to BPAY Pty Ltd ABN 69 079 137 518

Please read the Guide to Heritage Deposit Products (available in branch, by phoning 13 14 22 or here) and consider whether this product is right for you.


* Home loan comparison rate based on a $150,000 loan over 25 years.  Fixed loan comparison rate applies only for loans with an LVR of 80% or less and a loan amount of $150,000 to $249,999.  WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Interest rates are on a per annum basis. Rates are correct as stated and subject to change without notice. Rates shown are for new loans and do not apply to switches or internal refinances.

Home Advantage Variable rates include discounts shown from the Standard Variable rate. Home Advantage Living Equity rates include discounts from the Living Equity rate. Discounts are based on total lending in the package. Discount Variable LVR rates are for new lending and include discounts from the Discount Variable Loan Rate.  Discounts are not available in conjunction with any other interest rate discount or special offer. All fixed rates are fixed for the period stated and revert to the variable rate applying at expiration of the fixed term. To approved applicants only. Conditions, criteria and fees apply.

Loan to Value Ratio (LVR) is the loan amount divided by the value of your security property (determined by Heritage Bank at assessment), multiplied by 100. Owner Occupied loans have a maximum LVR of 95%, Investment loans have a maximum LVR of 80% and Living Equity has a maximum LVR of 80%. Heritage is not accepting any new investment applications until further notice.

This advice has been prepared without taking into account your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness having regard to your objectives, financial situation or needs.

Generate a personalised Key Fact Sheet based on your loan amount, term and repayments. This tool is provided to help you compare home loans from Heritage with other financial institutions.