Banking Branchless

No branches nearby? It's no problem! When you bank with Heritage there are so many ways to do your banking.

Getting started

At Heritage we believe that no matter where you are located, you should have access to your banking at a time and place that suits you.

Whether you’re on the go, at the office or at home, you can access your banking conveniently and securely with Heritage Online, Phone Banking or our Mobile Banking App.

For those not-so-everyday transactions when you're banking branchless, we've put together some tips below. We're also here to help you 24/7. Contact us via live web chat, call 13 14 22 or enquire online. 

Banking Branchless

  • Join Heritage and you'll be one of many customers from all over Australia who are already banking branchless with us.
  • Open an individual or joint transaction or savings account online now in less than 5 minutes.
  • Take control of how you spend with a Heritage Visa Debit or Credit card, protected by Visa’s Zero Liability# against fraudulent transactions.
  • Get money out fee free at Heritage ATMs and big 4 Bank ATMs in Australia~
  • Experience the flexibility of using your mobile phone or wearable device to make secure payments on the go.
  • Set up SMS& Email Alerts to keep real-time track of certain transactions on your account.
Loans & Credit Cards

Apply for a loan 

Enquire for a credit card, home loan, personal loan or business loan online now. We’ll get back in touch with you as soon as possible to chat about your application and products that may suit you. You can also start an application by calling 13 14 22.

If you choose to go ahead, we can complete your entire application via the phone or video conference and email. You might need to fill out and sign some forms during the process, so let us know if you don't have printer access. We can post application documents to you free of charge.

Loan reviews and maintenance 

If you'd like to review your existing loan or credit card, or switch to a new product, we can help you with this over the phone. Contact us on 13 14 22 or complete our online contact form and we'll give you a call back. 

Making loan repayments 

Because we have customers all over Australia, it’s important we can offer you a range of easy, convenient ways to make loan repayments. You can use:
  • Direct salary crediting
  • Automatic payment from your Heritage account
  • Direct debit from another bank or financial institution
  • BPAY®
  • Internet, mobile or telephone banking via a transfer
  • Bank@Post
  • Home Loan Deposit Card
Other services

Update your details

Need to update your contact details? If you're registered for internet banking you can update your details once logged in to Heritage Online.

If you need to update other details, such as changing your name, contact us on 13 14 22. We’ll make sure you get the correct forms and help you through the process.

Bank@Post - Cash & Cheque Deposits

Bank@Post is Australia Post’s agency banking service and is a convenient option if you don’t have access to a Heritage branch.
With facilities at around 3,500 Australia Post outlets around the country displaying the Bank@Post sign, you can:
  • Withdraw money
  • Deposit cheques and/or cash
  • Check your account balance
All you need is your Heritage Visa debit, credit or loan deposit card. 

Deposit cheques by mail

Although we don’t offer an online cheque deposit service, you can use Bank@Post or post your cheque to Heritage and we will deposit it into your account.

Simply print and complete our Signed Written Request form. Then post the form, with the cheque included, to us at: Heritage Bank, PO Box 190, Toowoomba QLD 4350.

If you don’t have access to a printer, you can write a letter detailing your request instead. The letter must include: 

  • Your account name and number
  • Details of the request. For example: Please deposit the enclosed cheque into my account number 123456789 and account type S1.
  • Your contact phone number
  • Your signature (digital signature not accepted)
Please note that depositing a cheque by mail can take a little longer than a usual cheque deposit due to postage and processing delays. 

International money transfers

You don’t need to make it into a branch to transfer money internationally or receive money from overseas. Check out our International Hub for more information.

Money transfer above internet banking limit

If you need to make a transfer above your daily internet banking limits, call us on 13 14 22. We can help you increase your internet banking transfer limits up to the maximum available limits. If this is not enough, you can also complete a Transfer to Another Financial Institution form and return it to us by email, fax or mail. A manual transfer fee applies. 

Same day transfer to another financial institution

When you need to move money fast, you can use your Mobile Banking App to transfer to participating financial institutions in under two hours using NPP Faster Payments

Helping you

If you need help with a product or service not mentioned above, start a live web chat or contact us on 13 14 22. We’re here to help you 24 hours a day, 7 days a week.
Other ways to bank
Other ways to bank

Our Contact Centre is here to help you with internet banking, account troubleshooting, card management and lots more.

Call our internet banking support line on 1300 722 767 or tap here for live assistance.