You can minimise banking fees by making smart banking choices and by learning about the fees that may apply to your products and services.
Our bank accounts have no monthly fees. Occasionally, some non-standard transaction or service fees apply. Some examples include if you:
What are the fees?
There are lots of different scenarios for when fees could apply, it’s important that you read and understand our Fees and Limits Guide when you open an account with Heritage.
You can set up email alerts to notify you when your account drops below a certain balance. This may help you avoid dishonour or overdraft reference fees.
When you take out a home loan, personal loan or business loan, there are standard fees that apply such as application, monthly and loan finalisation fees. There are some non-standard fees that may apply if you:
What are the fees?
It’s important that you read and understand your credit contract when you take out a loan, which will outline all applicable fees that apply. You can also refer to our Break Fee flyer for a quick reference on what fees may apply on your Home Loan.
You can ensure you make your repayments on time by setting up a scheduled transfer in Heritage Online.
Frequently asked questions and answers to explain home loan and personal loan redraw.
When you take out a credit card, there will be standard fees that apply, such as an annual fee. Occasionally, some non-standard transaction or service fees may apply.
Some examples include if you:
There are lots of different scenarios for when fees could apply, it’s important that you read and understand our Fees and Limits Guide and your individual credit contract when you take out a credit card with Heritage.
Setting up an automated payment can help you avoid late payment fees. You can set this up online or by calling our contact centre on 13 14 22.
This will determine how best we can help.