Simply Access transaction account

A transaction account with no monthly fee designed for easy transactions and access to your money for everyday spending.


Our Simply Access transaction account is just that - a simple, but flexible, transaction account that will provide you with no-fuss, 24/7 access to your income. Plus you will get:

  • $0 monthly account keeping fee
  • VISA debit card
  • No fees~ on a network of over 10,000 ATMs across Australia
  • 24/7 award winning local customer service

View more features 

Interest Rate
$1 or more
interest calculated on daily balances and paid quarterly
Interest Rate
Rates Effective From 07/10/2020

After  successful application you will have:

  • immediate access to Internet Banking
  • your new Visa Debit card printed the following business day
  • your new Visa Debit card in your mail within 7-10 business days
Mozo People's Choice Award Outstanding Customer Service & Most Recommended


Monthly account-keeping fee

Transaction Type 

Fee Per Transaction

Direct credits and debits Free
Visa debit and Visa payWave Free
Counter cash deposits, withdrawals, transfers and BPAY® Free
Heritage ATM withdrawals, transfers and balance enquiries Free
Cheque deposits Free
Presented cheques 
 Overseas ATM or counter withdrawals (Visa)  $5.00 plus overseas currency conversion fee 
Bank@Post Transactions* $3.00
*Bank@Post transactions are free for members for which a residential postcode recorded by Heritage is within the range 0000 to 3999 or 4311, 4312, 4313, 4360, 4361 and 4385 to 9999. 
Ways to bank with us

Make payments on the go with smart payment technology including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.

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