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.
Can a Heritage loans officer come to my home?
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?
Special cheque clearance service is no longer available.
Standard cheque clearance is 3 days (AUD Cheque) as noted in the Guide to Heritage Deposit Products. If you'd like to check the estimated clearance time for your cheque deposit, you can call us 24/7 on 13 14 22.
Does Heritage have direct bank feeds with QuickBooks?
We do not currently have the ability to provide direct bank feeds with QuickBooks.
We've reached out to QuickBooks and they've advised they are not currently working on, or building, any new direct bank feeds with any financial institutions as they are focusing on Open Banking.
QuickBooks may consider Heritage for direct bank feeds in May/June 2022.
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.
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 apply for a Heritage loan or credit card?
Apply for a Heritage loan or credit card in a way that suits you.
Face-to-face
Contact your local branch to make an appointment to talk to a Lending Specialist.
Virtual Appointment
Available for Home Loans. If you would like to conduct your appointment over a video conference let us know when you call your local branch. Our lenders have access to video conferencing technology so you can have the same experience of a face-to-face appointment, virtually!
Online
Enquire for a credit card, home loan, personal loan or business loan online now. We’ll get back in touch with you as soon as possible to chat about your application and answer any questions you have.
Over the phone
You can start an application by calling us today on 13 14 22. We're available 24/7.
How do I contact Heritage if I have a query, feedback or complaint?
At Heritage we are always pleased to hear from our customers . People first means putting the needs of our customers first, and hearing what they have to say helps us to achieve this promise. You can make an enquiry or provide us with feedback such as compliments, observations or suggestions by calling 13 14 22, sending an email to info@heritage.com.au or visiting your local Heritage branch.
If you are unhappy with your Heritage experience, learn more about our Complaint Management Promise.
You can also call Heritage from overseas on +61 7 4694 9000.
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.
How can I change how Heritage communicates with me?
It’s easy to change your preferences for communication from Heritage. We communicate with you in a number of different ways.
From time to time, Heritage will send you emails, SMS or letters to keep you updated on your account, our products and any special offers. You can opt out of this communication at any time. Use the unsubscribe function, call us 24/7 on 13 14 22, speak to your local branch or write to us to update your preferences.
You can register for and manage your eStatements preferences at any time.
You can nominate specific SMS or Email Alerts for your accounts, such as when your account balance drops below a certain amount or if you've received a payment. When one of your chosen Alerts is triggered, you'll receive real-time notification, to your mobile phone or inbox.
To help keep your information and finances safe, you'll receive free security notifications from us for certain actions you perform in Heritage Online. You can request to have these turned off, but we recommend to leave these notifications on to help keep your accounts and personal details as safe as possible.
We use social media to let our customers know about our products and any special offers. You can opt out of this communication at any time within your own social media account. When viewing the advertisement, go to the post menu and update your preferences to hide the ad.
Our Privacy Policy outlines how we deal with your personal information (including credit-related information), as well as our legal obligations and rights as to that information.
How do I change my account name?
If you need to change the name on your Heritage account, please complete and return our Personal Change of Name Form. Our Personal Change of Name Form details the supporting documents that will be required to process the change.
If you require assistance with the change of name process or need to change the name on a Business or Association account, contact us 24/7 on 13 14 22.
How do I make a car insurance or home insurance claim?
If your motor insurance or home insurance policy is with Allianz through Heritage Bank and you need to make a claim, here's how.
Do what you reasonably can to prevent further loss, damage or liability.
Tell the police as soon as reasonably possible about any malicious damage, theft, attempted theft, burglary or loss of insured property.
Contact the Allianz Claims Call Centre on 1300 555 030 and advise the Claims Consultant of what has happened. The Claims Consultant will help you through the home and contents insurance claims process. You can also start your Allianz claim online.
In order to be sure that you are covered under this policy you should always contact Allianz for approval before you incur expenses you wish to claim. If you do not, Allianz will pay for expenses incurred to the amount Allianz would have authorised had you asked us first.
A convenient way to lodge a car insurance claim is via the Allianz online claim form. You can commence submitting your car insurance claim notification 24 hours a day, 7 days a week. Once it is lodged, a friendly Allianz claims consultant will contact you.
You can call the claims hotline on 1300 555 030 and an Allianz consultant will help you commence the claims process.
How often are statements issued?
For transaction, savings, home loan and personal loan accounts, statements and eStatements will be automatically issued every 100 transactions or 6 months from your account opening date, whichever happens sooner.
You can request to receive your statements or eStatements when it suits you – from daily frequency up to once every 6 months. For example, some customers choose to receive their account statements every 7 days or on the first working day of every month. Simply call us on 13 14 22 and ask us to update your statement frequency.
Statement frequency and dates cannot be changed for these accounts:
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.
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.
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.
I’ve made a mistake with my money transfer. How do I reverse it?
What are the operating hours for the Contact Centre?
Our Queensland Based Contact Centre is available to answer your call 24 hours a day, 7 days a week on 13 14 22.
You can also call Heritage from overseas on +61 7 4694 9000.
You can also get in contact with your local branch, and check their opening hours, using our branch locator tool.
What products does Heritage offer?
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 the address for Heritage Bank?
The postal address for Heritage Bank is:
Heritage Bank
PO Box 190
TOOWOOMBA QLD 4350
Depending on the type of document you are sending us, you may be instructed to address your letter to a specific team or department. If you are unsure of the team or department your mail should be addressed to, you can contact us on 13 14 22.
The registered physical address for Heritage Bank is:
Heritage Bank
400 Ruthven St
Toowoomba QLD 4350
What is the SWIFT code for Heritage Bank?
If you would like to receive money into a Heritage Bank account from overseas, please use our Inward Telegraphic Transfer service powered by Western Union Business Solutions.
This service allows the remitter (sender) to transfer money from an overseas bank account to a Heritage Bank account in over 30 currencies. The remitter should send the funds in their own currency, and Western Union Business Solutions will convert them into Australian Dollars before forwarding to Heritage for credit to your account.
Please complete the online form available here to obtain payment instructions.
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.
Learn how to get started with internet banking, manage your details, view statements, transfer money and manage your passwords.