Switch to Heritage

With a history going back to 1875, we've always been in the business of helping Australians realise their financial dreams. Our members are important to us and we go to great lengths to help them reach their financial goals through our award winning products and People First service. If you’d like to switch your banking to Heritage, we’re here to help you through the process and beyond.

Why Heritage?

People first. Always.

We've been committed to Australian communities since 1875. In a world where so much has changed, our mission to put people before profits, never has. Learn more

Awards for Bank of the Year - Customer Service and Customer-Owned Institution of the Year
Open your account

Open a transaction account and saving account online right now and start banking with Heritage in minutes.
Simply Access

A simple, but flexible, everyday bank account with no monthly fee. Open your account online today in minutes.

★ Popular account

No appointment, no problem.

Prefer to bank in person? Come and see us at your local branch today to open your account. No appointment, no problem.

Switch your loans

Refinance to Heritage
Personal Loans
Our personal loans are packed with features like low interest rates, unlimited extra repayments and free online redraw. Find the best rate personal loan for you.
Can you refinance a car loan?
A helpful guide on what to consider if you’re looking to refinance your car loan.
Switch your insurance

Switch your insurance to Heritage and deal with the people you know. Get started with a quick online quote.
Switch your salary

Once your account is all set up, let your employer know your new account details. Fill out our salary deposit form and email (or print and send) it to your employer to let them know where to deposit your pay.

Choose how you spend

When you open a transaction account with Heritage, we'll send you a Visa Debit Card for you to access your money. You can also choose to apply for a Credit Card and add your Visa Debit Card to your digital wallet to pay on the go.

Credit cards
Our range of credit cards offer great value and global convenience. If you're looking for banking rewards, complimentary insurance, a low interest rate or no annual fee, we have options for you.
Ways to bank with us

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

Switch your regular payments

Switching all your regular payments that you currently manage can seem like a big job, but we have some simple steps to get you started.   

Step 1: Review your transactions

Take a look over your statements on your old account and identify which payments you’d like to switch. This is a great time to note what dates your payments come in and out, to help your budget planning!

Step 2: Set up your online payments

Set up any regular BPAY®, Pay Anyone or periodical payments that you'd like to manage yourself in Heritage Online (internet banking).

If you need to register for Heritage Online, call our Queensland based Contact Centre on 14 14 22. They are available 24/7 to take your call.  

Step 3: Contact your service providers

Advise your service providers of your new bank account details or your new Visa Debit or Credit card details once you receive it in the mail. 

If you have an online account with your service provider you can usually update your payment details online. Or simply give them a call and update your details over the phone. 

Switch your direct credits & debits

We can help you switch all your direct credits & debits that you hold with other companies at once. Direct debit and credits are payments set up by companies who deduct (or pay) money directly to your account using your account number & BSB. 

Simply complete the Switch of Regular Payments form and return it to us to start the switching process. 

Things you need to know about switching payments

  • It can take up to 6 weeks for your payments to be switched.
  • Remember to leave some money in your old account until all payments have successfully switched over.
  • We can only switch payments for you that use your BSB and account number. Any payments that use your debit card or credit card details, or that you set up yourself online, can't be switched with this process.
Bank your way

Mobile Banking App
Our Mobile Banking App gives you a convenient way to bank on the go, pay bills, manage your cards and much more. Download the App today.
SMS and Email Alerts
SMS and Email Alerts makes it even easier to keep track of significant actions on your accounts. When one of your chosen Alerts is triggered, you'll receive real-time notification, to your mobile phone or inbox.
How to change my account nicknames
Have you got an account for bills, for savings, and for spending? Nickname your accounts in Heritage Online to keep your finances tidy.
Research tools
Budget planner
Savings calculator
Term deposit calculator
How to save more money
How to choose the best savings account
Ways to bank with Heritage
Interest rates for accounts
More interest rates