Pin Change Help Guide

Getting started

The PIN change service is completed in two stages – the first stage is through internet banking and the second change is through a PIN change website.

  1. To use this service, you must have either an email address or a mobile phone registered under your contact details.
  2. Have your card handy, plus pen and paper.

You will have one hour to complete the PIN change process. After this time, you will need to start the process again. You have three attempts to complete your PIN change.

To learn more about how to change your PIN, please select from the 2 sections below.

Individual account holder

Joint account or Business/non-personal account

Individual PIN Change

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  1. Login to Heritage internet banking. Ensure you login using the account for the card you want to change the PIN on.

  2. Under services select, 'Change PIN on Card'

  3. Select the card that needs the PIN changed:
    1. Select card number
    2. How you wish to receive the One Time Password
    3. If One Time Password is by mobile, select mobile number
    4. Click on Submit
  4. Note: You must have an email address or mobile phone number listed on your account to use the PIN Change service.

  5. This completes the first half of you PIN Change request. Continue to follow the instructions on screen.

  6. Visit www.changemypin.com.au and enter the following details:
    1. PIN Change number (that was displayed on screen, and you wrote down)
    2. One Time Password that was sent to your email or mobile (whichever you chose)
    3. Enter the new PIN you want for the card, and re-enter it to confirm
    4. Review and accept the terms and conditions

  7. Process complete 

Joint account or Business/non-personal account

Back to top of page
  1. Login to Heritage internet banking. Ensure you login using the account for the card you want to change the PIN on.

  2. Under services select, 'Change PIN on Card'

  3. Select the card that needs the PIN changed:
    1. Select card number
    2. How the One Time Password should be delivered (email or mobile)
    3. If One Time Password is by mobile, select mobile number
    4. Click on Submit
  4. Note: You must have an email address or mobile phone number listed on your account to use the PIN Change service.

  5. This completes the first half of the cardholders PIN Change request.
    1. Now, the cardholder needs to call the Heritage Contact Centre to be identified (this is to ensure the PIN isn't changed on a card for another person who operates the account)
    2. The One Time Password will then be released and sent. The OTP needs to be supplied to the cardholder, and the cardholder can then complete the second part of the PIN Change process.

  6. Visit www.changemypin.com.au and enter the following details:
    1. PIN Change number
    2. One Time Password
    3. Enter the PIN you want for the card and re-enter it to confirm
    4. Review and accept the terms and conditions

  7. Process complete

System Requirements

To ensure you have a trouble-free experience, ensure your system is up to date. You can learn more about our minimum system requirements here.

PIN Change Terms and Conditions

You can select your own PIN, but for your own security please keep the following in mind:
  • Never use your date-of-birth as your PIN
  • Never use your postcode as your PIN
  • Don’t choose a trivial PIN such as ‘1234’ or similar
Your PIN is your electronic signature so please protect its confidentiality carefully. To keep it safe, it’s important that you NEVER:
  • Disclose your PIN to anyone else, including friends or family
  • Allow anyone else to see you enter your PIN
  • Keep a record of your PIN as a phone number or date where no other phone numbers or dates exist
  • Record your PIN in reverse order
  • Record your PIN in easily understood code eg A=1, B=2 etc
  • Record your PIN as a series of numbers, with some circled or highlighted
  • Write or record the PIN an any form on the card
  • Keep a record of your PIN with or near the card, unless it is disguised in a way that is meaningless to another person
  • Record your PIN on any article you carry with the card, or could lose with the card
If you don’t follow these guidelines, you could contribute to any losses that could occur from unauthorised transactions on your card. That means you may be liable for all or part of such losses. If you suspect that someone else knows your PIN, you should change it immediately.

* 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.