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?
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?
Who owns Heritage Bank?
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.
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?
What is my account number?
At Heritage, your Account Number is your Member Number.
Your account number is the same for all accounts you hold with Heritage, under one membership.
Your BSB is different for each account type you hold with Heritage. BSB stands for Bank State Branch and is a six-digit number that is commonly used to identify a bank and its associated branch in Australia.
At Heritage we use BSB codes a little differently. Rather than assigning a BSB code to each of our Branches, we assigned a 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.
If you're unsure what your BSB or account number is, you can find it in your Mobile Banking App or Heritage Online by viewing your account information. You can also look up your BSB online or contact us 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 'cheque' or 'savings' is $1'000.
The default daily limit for purchases made online, by telephone or when selecting 'Credit' or 'CR" in stores is $10,000.
Further information about the daily spend limits on your card is set out in our Fees and Limits Guide.
Information on internet banking services, regular transfers, password maintenance and managing your details.