Can a Heritage loans officer come to my home?
How can I deposit cash or a cheque into my Heritage account?
If you'd like to deposit money into your Heritage account, you can do so at one of our branch locations. If you're unable to find a branch close by, you might like to use Bank@Post for your deposit.
How do I apply for a credit card, personal loan or home loan with Heritage?
How do I contact Heritage if I have a query or complaint?
You can contact us by calling 13 14 22, send an email to info@heritage.com.au or visit your local Heritage branch.
Learn more about our feedback resolution process.
Where is my local Heritage Bank branch?
To locate your closest Heritage branch and to find the services on offer, visit heritage.com.au/locations.
Alternatively, call our Contact Centre on 13 14 22 24 hours a day 7 days a week.
What are the operating hours for the Contact Centre?
Our Contact Centre is available to answer your call 24 hours a day, 7 days a week on 13 14 22.
You can also find the opening hours for our branch locations using our branch locator tool.
What products does Heritage offer?
How can I check my account balance?
To check your account balance with Heritage Bank you can:
If you'd like to register for internet or phone banking, contact us on 13 14 22 or visit your local branch.
Where is the closest ATM?
As a Heritage customer, you can get money out fee free at Heritage ATM's and big 4 Bank ATMs in Australia.
The Big 4 Banks are ANZ, Westpac, NAB and Commonwealth Bank. Remember, some ATMs may still charge fees so it's important to check the prompts on the ATM screen that will indicate if a fee is going to be charged.
To find the nearest Heritage Bank ATM to you, see our locations page.
Who owns Heritage Bank Australia?
Heritage Bank Limited is an Australian mutual financial institution. This means we're owned by our customers, not shareholders. Instead of pursuing massive profits, our customer-owned status means we can focus on putting People first through award-winning service, great products, low fees and competitive interest rates. Learn more.
How do I add a new payee (a new transfer destination)?
To perform a transfer to a new destination, simply enter the details of the new destination into the fields provided.
The system will automatically detect that it's a new payee and ask for the appropriate authentication. This will be either a Pay Anyone Password or a One Time Password depending on your settings.
Once the payee is added you can complete the transfer as normal. To learn more about transferring money in Heritage Online you can also watch this helpful how-to video or visit the Heritage Online Help Centre.
Adding a new Heritage or inter-bank payee in our Mobile Banking App is easy. Make sure your device is authenticated before getting started.
How do I view my Visa Authorisations or Payments in Advance?
You can view more information on your accounts through the “I Need To…” and “I’d Like To…” panels in Heritage Online. These panels are located on the right hand of the screen and the options available change depending on your membership characteristics, and the page that you are viewing.
View Visa Authorisations (pledges)
Can be found in the “I’d Like To...” panel and will only appear if you are viewing transactions for an account for which this option is relevant. For example, if you view transactions for an account with a credit or debit card attached, the option to “View Visa Authorisations” will be visible.
View Loan Details
Can be found in the “I’d Like To...” panel and will only appear if you are viewing transactions for an account for which this option is relevant. If you view transactions for any loan account, the option to “View loan/Line of Credit Details” will appear. In this menu you'll be able to see your loan information including payments in advance as at last repayment due date.
What are the fees for using my Visa debit or credit card overseas?
Does Heritage offer cardless cash?
We do not offer cardless cash withdrawals at our ATM's. If your card has been lost, stolen or misplaced, it's important to cancel it as soon as possible. You can do this in our Mobile Banking App or by calling 13 14 22.
If you require emergency access to cash, you can withdraw money from your local branch provided we can identify you sufficiently.
Alternatively, give us a call on 13 14 22 and ask us to order a new card for you. Card delivery usually takes 7-10 working days, however you can request an express post card delivery within 5 working days for a fee of $25.
While your card is on it's way, use our Mobile Banking App to transfer money to other financial institutions in near real-time, using NPP Faster Payments.
How do I activate or check the balance of a Heritage gift card?
For information about activating a gift card that was gained through the Heritage Credits rewards program, click here. These are gift cards issued by other companies, like Myers or Bunnings, that you have chosen to use your reward points on.
To activate your Heritage Gift Card, please visit heritagebankgiftcard.com.au. Enter the 17 digit card number, along with the 4 digit code that is detailed in the attached letter.
Heritage issues a wide range of VISA Prepaid cards on behalf of Prepaid Partners. These cards are generally branded with the prepaid partners artwork and say "Issued by Heritage Bank" on the back of the card. For all enquiries on these cards, first contact the card's branding company. Otherwise, contact Heritage on 13 14 22 or email Heritage's prepaid team.
Does Heritage offer insurance?
Yes. Information about the insurance products available can be found in the Insurance section.
If you'd like a quote you can get a quick quote online, call 13 14 22 or visit your local branch.
Does Heritage offer special clearance for cheques?
Unfortunately, due to the COVID-19 pandemic, Heritage is not offering a service for special clearance of cheques.
What is my account number?
At Heritage, your account number is your Member Number which is provided to you when you join Heritage.
Your member (account) number is the same for all accounts you hold with Heritage, under one membership.
You can view your account information when logged into the Heritage Mobile Banking App or Heritage Online.
If you're unable to login contact us for help 24/7 on 13 14 22.
What is my BSB?
Your BSB is different for each account type you hold with Heritage.
We assign a different six-digit BSB to each account type you can hold with us.
For example, our Simply Access Transaction Account has the BSB 638-010 and our Online Saver Savings Account has the BSB 638-260.
When we process payments into or from your Heritage account, we use the BSB you nominated to debit or credit the correct account type under your membership.
You can look up your BSB online or contact us 24/7 on 13 14 22 for assistance.
What is my daily card spend limit?
As a general guide, the default limit for cash withdrawals at ATMs within Australia and outside of Australia, and transactions using eftpos (cheque or savings) is $1,000.
The default daily limit for purchases made online, by telephone or when using Visa (Credit) in stores is $10,000.
Further information about the daily spend limits on your card is set out in our Fees and Limits Guide.
How long will my bank to bank transfer take?
Bank to bank transfer times can vary across financial institutions depending on the type of transfer you make.
If you’re making a traditional inter-bank transfer it will take 1-3 business days. If you use NPP Faster Payments or a PayID it can be near real-time.
The fastest way to receive money into a Heritage Bank account from another financial institution is via NPP Faster Payments to a PayID or BSB and Account Number.
The New Payments Platform allows you to receive a faster payment from anyone whose financial institution is a participant and who has an eligible account. If you’re unsure if your sender can use this service, check for participating financial institutions on the NPP Website.
Alternatively, your sender could use a traditional inter-bank transfer which will take 1-3 business days from any financial institution.
The fastest way to transfer money from Heritage Bank to another financial institution is using NPP Faster Payments on our Mobile Banking App.
If the account you’re sending money to is eligible to receive NPP Faster payments, then you will receive an option to make the payment ‘Within 2 hours’. If you can't see this option, then the account you are sending to is not eligible to receive an NPP transfer. The transfer must go as a traditional inter-bank transfer and it could take 1-3 business days.
If you transfer money from Heritage Online on a desktop or mobile browser to another financial institution, it will take 1-3 business days to arrive.
I’ve made a mistake with my money transfer. How do I reverse it?
What is the SWIFT code for Heritage Bank?
If you require the Heritage Bank SWIFT code please contact us on 13 14 22.
We're available 24/7 and will make sure that you receive the correct international transfer details and currency instructions.
Alternatively, you might like to use our Inward Telegraphic Transfer service powered by Western Union Business Solutions.
Get started with internet banking, manage your details, view statements, transfer money and manage your passwords.