Terms and Conditions


Notice to Heritage Bank Customers

Heritage advises that interest rates (Annual Percentage Rates) applicable to our personal Credit Card products, excluding Gold Low Rate, will change effective Friday 7 July 2017. The notice below includes the changes that may affect you.

Financial Services Guide

Fees and Limits Guide

Deposit Products

Fees, charges and conditions of use related to savings and transaction accounts, business accounts and term deposits.

Credit Products

Fees, charges and conditions of use related to all credit products, including credit cards and overdraft products.

Credit Guide

Ekka Facebook Competition 2017

Congratulation to our winners:

  1. Rosanne Bonell

  2. Nicole Vincent

  3. Connie Souter

  4. Sarah Hughes

  5. Nicky Porlier

  6. Louise Gordon

  7. Melissa Gluch

  8. Kylie Clive

  9. Nicole Greig

  10. Skye Yeomans

  • Terms and Conditions
  • Member Referral

    Find another reason to love Heritage, when you refer a family member, colleague or friend to us, you can both go into the draw to win a $1,000 gift card! And if your friend gets a Home Loan in the first three months of joining, you can both receive a $250 gift card.

    Terms of Use - Heritage Bank Social Media

    Win a Months Salary Competition

    * Based on a $150,000 loan over 25 years. 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.