Loan Offset Account

Our partial offset account is great for day-to-day use and reduces the amount of interest you pay on your home or personal loan.


Available with these loans
Want a 100% Offset Account for your Home Loan?

Check out our Mortgage Crusher account.


Interest Rate
set-off is equivalent to:
$1 to $4,999
$5,000 or more
tiered interest rates calculated on daily balances and set-off applied monthly to qualifying linked heritage loan account
Rates Effective From 01/07/2018

Account Keeping Fee   $0
Transaction Type Monthly Fee Free Zone Fee Per Excess Transaction
Heritage Online Banking Unlimited Free
Heritage Access Line Phone Banking Unlimited Free
SMS Account Enquiries  Unlimited Free
Direct Credits  Unlimited Free
Direct Debits  Unlimited Free
Cheque Deposits  Unlimited Free
Counter Cash Deposits  Unlimited  Free
Heritage ATM Withdrawals, Transfers and BPAY Unlimited Free
Presented Cheques 0 $1.00
Counter Cash Withdrawals, Transfers and BPAY  Unlimited Free
EFTPOS  10  $0.50 
Bank@Post Transactions † 0 $3.00
Non-Heritage Counter Withdrawals (Visa) 0 $2.50
Overseas ATM or Counter Withdrawals (Visa) 0 $5.00 plus 3% overseas currency converter fee

† Members with a residential postcode recorded by Heritage within the range 0000 to 3999, 4385 to 9999, 4311, 4312, 4313, 4360 and 4361 may make unlimited Bank@Post transactions without attracting transaction fees for these transactions.

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