Simply Access

A Heritage Simply Access personal account is already loaded with all the features you want in a daily transactional account.

Plus have your regular salary deposited into your new or existing eligible Heritage account before 30 September 2017, and go into the draw to win a month's salary up to $5,000!*


  • No monthly account keeping fees
  • Free internet and phone banking transactions
  • Free mobile banking transactions
  • Free Heritage ATM transactions
  • Free SMS Account Enquiries
  • Access to over 3,000 Network ATMs nationwide
  • Visa Debit card or chequebook available
  • eStatements available
  • Transact through Bank@Post 


Interest Rates

$1 - $24,9990.01%
$25,000 - $49,9990.01%
$50,000 +0.02%
Rates effective from 01/08/2017


With most transactions available for free, the Simply Access account is a smart choice.
Account keeping fee $0
Transaction Type Monthly fee free zone Fee per excess transaction
Heritage on-line banking Unlimited Free
Heritage Access Line phone banking
SMS Account Enquiries
Direct credits
Direct debits
Cheque deposits
Counter cash deposits
Counter cash withdrawals, transfers and BPAY
Heritage ATM withdrawals, transfers and balance enquiries
Presented Cheque 10 $1.00 
EFTPOS $0.50
Network ATM withdrawals and balance enquiries $1.75
SMS Alerts 0 $0.25
Bank@Post balance enquiries 0 $3.00
Bank@Post cash withdrawals 0 $3.00
Bank@Post cheque deposits# 0 $3.00
Bank@Post cash deposits# 0 $3.00
Non-Heritage counter withdrawals (Visa) 0 $2.50
Overseas ATM or counter withdrawals (Visa) 0 $5.00 plus 3% overseas currency conversion fee
# Special zoned members (those 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.

Visa Debit subject to application and approval. Please read the Guide to Heritage Deposit Products (available in branch, by phoning 13 14 22 or here) and consider whether this product is right for you.

Please read the Guide to Heritage Deposit Products (available in branch, by phoning 13 14 22 or here) and consider whether this product is right for you.

* 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.

Conditions, criteria and fees apply. Please consider the Guide to Heritage Deposit Products (available in-branch, by phoning 13 14 22 or at before you decide whether this product is right for you. To be eligible, a customer & regular pay must be deposited into an eligible Heritage account. Full Terms and conditions for this competition can be found by clicking here .