Call 13 14 22 (24 hrs, 7 days)
Contact
Find a branch

I want to...
I want to...

Buy a car

Travel more

Plan for my wedding

Buy a home

Start a business

Invest in property

Plan for retirement
Tips & Tools

Switch to Heritage

Money Tips

Home Loan Calculators

Personal Loan Calculators

Credit Card Calculators

Saving & Planning Calculators

Home Loan calculator

Fit My Loan tool

Borrowing power calculator

Extra repayment calculator

Loan comparison calculator

Lump-sum calculator

Principal & interest calculator

Refinance calculator

Split loan calculator

Stamp duty calculator

Personal Loan calculator

Car Loan calculator

Credit Card Repayment Calculator

Balance Transfer Calculator

Budget Planner

Savings Calculator

Income tax calculator

Term deposit calculator
Banking
Accounts

All Accounts

Simply Access Account

Kids Banking

Interest rates

More Accounts

Calculators

Business Accounts

Cash Management

Christmas Club

Community Saver

Money Manager

Online Saver

Pension Plus

Target Bonus

Budget Planner

Savings Calculator

Body Corporate

Business Cheque Account

Club Cheque

Farm Management Deposit

Business Support Services
Credit Cards

All Credit Cards

Find the card that fits you

Platinum

Gold Low Rate

Compare all cards

More Cards

Visa Features

Classic

Business Visa

Verified By Visa

Visa Checkout

Visa Debit

Visa Entertainment

Visa Paywave
International

All International products

Send money overseas

Receive money from overseas

Money in Minutes

Cash Passport

Foreign Currencies
Investment

All Investment products

Term Deposits

Financial planning

Superannuation

Share trading

Term deposit calculator

Superannuation - Home

Secure Super Account

Self Managed Super Fund
Loans
Home Loans

All Home Loans

Find the loan that fits you

Home Advantage Package

Interest Rates

Calculators

Home Loan types

Features and Add-ons

Home Loan calculator

Borrowing power calculator

Extra repayment calculator

Loan comparison calculator

Lump-sum calculator

Principal & interest calculator

Split loan calculator

Stamp duty calculator

Variable Rate

Fixed Rate

Line of credit

Reverse Mortgage

Bridging Loan

Compare all Home Loans

Compare all Home Loans

Offset Account

Family Guarantee

Key fact sheets
Personal Loans

All Personal Loans

Standard Personal Loan

Car Loan

Low Rate Secured Loan

Compare all Personal Loans

Personal Loan calculator

Car Loan calculator
Business Loans

All Business Loans

Business Car Loan

Fully Drawn Loan

Line of credit

Organic Growth Fund

Overdraft facilities

Interest rates
Insurance
For me

All Insurance

Travel Insurance

Life Insurance

Loan & Mortgage Repayment Cover

Platinum Insurance
For my property

Home Building & Contents

Motor Vehicle

Caravan & Trailer

Landlord
More

Business Insurance

Discounts
Help & Guidance
Articles

All Help & Guidance

Saving & Budgeting

Buying a Home

Buying a Car

Travelling

Retirement

More Help and Guidance

Home Renovation

Investing

Kids and Teens

Business
Ways to Bank

All Ways to Bank

Payments

Mobile Banking App

Internet Banking

SMS & Email Alerts

Phone Banking

NPP faster payments

Fitbit Pay

Garmin Pay

Google Pay™

Samsung Pay
Supporting You

Activate a Card

Forms

Brochures

BSB's

FAQs

Internet Banking Help

Accessing your account

Activate a Credit or Debit Card

Activate a Gift Card

How to access your account

Change my PIN

Online security

Deceased estates

eStatements
Tips & Tools

All Calculators

Money Tips

Home Loan Calculators

Personal Loan Calculators

Credit Card Calculators

Saving & Planning Calculators

Home Loan calculator

Fit My Loan tool

Borrowing power calculator

Extra repayment calculator

Loan comparison calculator

Lump-sum calculator

Principal & interest calculator

Refinance calculator

Split loan calculator

Stamp duty calculator

Personal Loan calculator

Car Loan calculator

Credit Card Repayment Calculator

Budget Planner

Savings Calculator

Income tax calculator

Term deposit calculator
Heritage & Community
About Heritage

About us

Customer-owned banking

Contact us

News

Careers

Our locations

Financial Information

Financial Reports

Prudential Information

ASX Announcements
Community

Sponsorship

Photographic Awards

Community Banking

Community Support

Our commitment to you

Refer a friend

Internet Banking
Download the app
Online Share Trading
Business Netbanking

Back

Home

Show Alerts
I want to...
Banking
Loans
Insurance
Help & Guidance
Heritage & Community

I want to...
I want to...
Tips & Tools

Banking
Accounts
Credit Cards
International
Investment

Loans
Home Loans
Personal Loans
Business Loans

Insurance
For me
For my property
More

Help & Guidance
Articles
Ways to Bank
Supporting You
Tips & Tools

Heritage & Community
About Heritage
Community

I want to...
Buy a car
Travel more
Plan for my wedding
Buy a home
Start a business
Invest in property
Plan for retirement

Tips & Tools
Switch to Heritage
Money Tips
Home Loan Calculators
Personal Loan Calculators
Credit Card Calculators
Saving & Planning Calculators

Accounts
All Accounts
Simply Access Account
Kids Banking
Interest rates
More Accounts
Calculators
Business Accounts

Credit Cards
All Credit Cards
Find the card that fits you
Platinum
Gold Low Rate
Compare all cards
More Cards
Visa Features

International
All International products
Send money overseas
Receive money from overseas
Money in Minutes
Cash Passport
Foreign Currencies

Investment
All Investment products
Term Deposits
Financial planning
Superannuation
Share trading
Term deposit calculator

Home Loans
All Home Loans
Find the loan that fits you
Home Advantage Package
Interest Rates
Calculators
Home Loan types
Features and Add-ons

Personal Loans
All Personal Loans
Standard Personal Loan
Car Loan
Low Rate Secured Loan
Compare all Personal Loans
Personal Loan calculator
Car Loan calculator

Business Loans
All Business Loans
Business Car Loan
Fully Drawn Loan
Line of credit
Organic Growth Fund
Overdraft facilities
Interest rates

For me
All Insurance
Travel Insurance
Life Insurance
Loan & Mortgage Repayment Cover
Platinum Insurance

For my property
Home Building & Contents
Motor Vehicle
Caravan & Trailer
Landlord

More
Business Insurance
Discounts

Articles
All Help & Guidance
Saving & Budgeting
Buying a Home
Buying a Car
Travelling
Retirement
More Help and Guidance

Ways to Bank
All Ways to Bank
Payments
Mobile Banking App
Internet Banking
SMS & Email Alerts
Phone Banking

Supporting You
Activate a Card
Forms
Brochures
BSB's
FAQs
Internet Banking Help
Accessing your account

Tips & Tools
All Calculators
Money Tips
Home Loan Calculators
Personal Loan Calculators
Credit Card Calculators
Saving & Planning Calculators

About Heritage
About us
Customer-owned banking
Contact us
News
Careers
Our locations
Financial Information

Community
Sponsorship
Photographic Awards
Community Banking
Community Support
Our commitment to you
Refer a friend

Home Loan Calculators
Home Loan calculator
Fit My Loan tool
Borrowing power calculator
Extra repayment calculator
Loan comparison calculator
Lump-sum calculator
Principal & interest calculator
Refinance calculator
Split loan calculator
Stamp duty calculator

Personal Loan Calculators
Personal Loan calculator
Car Loan calculator

Credit Card Calculators
Credit Card Repayment Calculator
Balance Transfer Calculator

Saving & Planning Calculators
Budget Planner
Savings Calculator
Income tax calculator
Term deposit calculator

More Accounts
Cash Management
Christmas Club
Community Saver
Money Manager
Online Saver
Pension Plus
Target Bonus

Calculators
Budget Planner
Savings Calculator

Business Accounts
Body Corporate
Business Cheque Account
Club Cheque
Farm Management Deposit
Business Support Services

More Cards
Classic
Business Visa

Visa Features
Verified By Visa
Visa Checkout
Visa Debit
Visa Entertainment
Visa Paywave

Superannuation
Superannuation - Home
Secure Super Account
Self Managed Super Fund

Calculators
Home Loan calculator
Borrowing power calculator
Extra repayment calculator
Loan comparison calculator
Lump-sum calculator
Principal & interest calculator
Split loan calculator
Stamp duty calculator

Home Loan types
Variable Rate
Fixed Rate
Line of credit
Reverse Mortgage
Bridging Loan
Compare all Home Loans

Features and Add-ons
Compare all Home Loans
Offset Account
Family Guarantee
Key fact sheets

More Help and Guidance
Home Renovation
Investing
Kids and Teens
Business

Payments
NPP faster payments
Fitbit Pay
Garmin Pay
Google Pay™
Samsung Pay

Activate a Card
Activate a Credit or Debit Card
Activate a Gift Card

Accessing your account
How to access your account
Change my PIN
Online security
Deceased estates
eStatements

Home Loan Calculators
Home Loan calculator
Fit My Loan tool
Borrowing power calculator
Extra repayment calculator
Loan comparison calculator
Lump-sum calculator
Principal & interest calculator
Refinance calculator
Split loan calculator
Stamp duty calculator

Personal Loan Calculators
Personal Loan calculator
Car Loan calculator

Credit Card Calculators
Credit Card Repayment Calculator

Saving & Planning Calculators
Budget Planner
Savings Calculator
Income tax calculator
Term deposit calculator

Financial Information
Financial Reports
Prudential Information
ASX Announcements

Talk to us

Find a branch

Frequently Asked Questions

Help & Guidance
FAQs
Google Pay^TM Security FAQ's
What information is stored about my purchases

What information is stored about my purchases?

Transaction data that is stored on your device is kept anonymously and recent purchase history remains private, and is not used for marketing purposes.

More help

General FAQs
Card Management FAQs
Samsung Pay FAQ's
Mobile Banking FAQs
Google Pay FAQ's
Fingerprint Security FAQs
NPP General FAQ's
Device Authentication FAQs
Internet Banking FAQs
Pay Anyone FAQs
Digital Wallet FAQs
Redraw FAQs
SMS Security FAQs
Online Security FAQs
Google Pay Troubleshooting
Google Pay Security FAQ's
NPP Security FAQ's
NPP Troubleshooting
Samsung Pay Troubleshooting
Samsung Pay Security FAQ's
Refer a Friend FAQs

Help & Guidance

Top

Things you should know

*Google Pay, the Google Pay Logo, Google Play and Google Play logo are trademarks of Google LLC.

#The Visa Zero Liability policy covers Australian issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions, conditions apply. Cardholders should review their transaction regularly and notify Heritage promptly of any unauthorised Visa use or contact heritage to find out more. You should be aware if you submit an unauthorised Visa transaction request, Heritage will need to review your request before provisional credit may be provided.

Outside Australian – equivalent to Australian dollar currency value.

The information provided is intended as general information only. Articles have 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. You should consider obtaining personal investment, taxation and/or legal advice before making any decision. Please consider the Guide to Heritage Deposit Products and Guide to Heritage Credit Card Products (available in-branch, or at www.heritage.com.au) before you decide whether a product is right for you. All loans and credit cards are subject to application and approval. Conditions, criteria and fees apply and are subject to change without notice.