SMS Services enhance the security of internet banking and allow you to stay on top of your finances at any time using your mobile phone. You can register for SMS Services through Heritage online internet banking.

SMS Services enhance the security of internet banking and allow you to stay on top of your finances at any time using your mobile phone. You can register for SMS Services through Heritage online internet banking.

Heritage SMS Services provides you with the following options:

  • SMS Security: a convenient, free service that provides a second level of authentication for certain internet banking transactions. When you register for SMS Services, SMS Security will automatically apply to your membership
  • SMS Account Enquiries: an optional fee free* service, available to all customers who have registered for SMS Services, that allows you to access simple account information at any time
  • SMS Alerts: an option available to all customers who have registered for SMS Services. SMS Alerts allow you to keep up to date by receiving alerts or emails based on certain actions that take place on your account

How to register for SMS Services

You can register for SMS Services through Heritage online internet banking. After you are logged into internet banking, choose the Security menu.

SMS Security

SMS Security provides a second level of authentication for certain internet banking actions.

It works on the premise that two components are needed: something that only you know (your login password), and something that only you have (your mobile phone). This concept is commonly referred to as "Two Factor Authentication".

If you are registered for SMS Security and perform an action on Heritage online that requires the second level of authentication, a One Time Password (OTP) code will be sent to your mobile phone via SMS. You will be required to enter this "code" on the relevant internet banking page, before the action is able to be processed. Current actions requiring the use of an OTP include:

  • Transferring money to a new Heritage payee
  • Transferring money to a new inter-bank payee
  • Paying a bill to a "Special-Limit Biller" for the first time. A "Special-Limit Biller" is a BPAY  Biller where money transferred to that Biller may be accessible as cash. e.g credits cards, sports betting accounts
  • Updating your contact details
  • Updating your SMS preferences

For customers who register for SMS services, SMS Security will replace your Pay Anyone password. For customers who do not wish to register for SMS services, there will be no changes to existing authentication, except that it will no longer be possible to update Contact Details online without SMS Security.

SMS Account Enquiries

SMS Account Enquiries is a convenient, fee free* way to access simple account information, wherever you are, whatever you are doing.

To keep things simple and secure, you only need to enter your account type. For example, to see the balance of your Simply Access account, SMS "bal S1" to 0428 427 427 (0428 HBS HBS).

Alternatively, if you're out and about, simply SMS "?" or the word "HELP" to 0428 427 427 to receive a list of valid enquiry codes.

If you need a refresher for the account codes that correspond to your accounts, simply login to Heritage internet banking and look at your Balances page (Accounts -> View All Accounts).

When you request account information from your mobile, Heritage determines the member number that the account belongs to by the mobile number from which the enquiry was received. Due to this, if you have multiple member numbers, each of your mobile phone numbers can only be registered once for SMS Account Enquiries.

SMS and email alerts

We want to make it easier for you to keep up to date with your finances. SMS and Email Alerts makes it even easier to keep track of significant actions on your accounts. When you register for SMS Services, you'll be able to choose from a set of defined alerts.

Then, when one of these alerts is triggered, you'll receive real-time notification, to your mobile phone or inbox. Alternatively, you can specify a time range during which you're happy to receive alerts. For example, you can set up an alert to let you know whenever a Visa Authorisation for more than $500 is processed, or when the balance of your transaction account falls below $10.

*Your phone provider may charge you for sending an SMS.

* 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.