Wearable payment band
Apply for your free HOVA

What is HOVA? 

HOVA is a wrist band made from a durable silicone, with a card chip securely inserted inside of it. Think of it like a Visa Debit card - but conveniently strapped to your wrist, allowing you to make payments at any contactless reader from your usual account. Just wave HOVA in front of a contactless reader when prompted for payment, then go!

What's different about HOVA is that it links directly to your Visa debit account, it's free, doesn't need batteries, and is exclusive to Heritage Bank.


How does HOVA work? 

HOVA works the same way as a Visa payWave, which you've already been using for years on your other Visa debit or credit cards. Same rules apply, for transactions under $100, just wave your HOVA in front of a contactless reader, wait for approval and go. For transactions over $100 you'll need to enter a PIN.

HOVA is accepted anywhere that accepts Visa payWave worldwide and is backed by Visa's Zero Liability Policy# making your HOVA as secure as any other Visa chip card.


HOVA is the practical device that gives you the freedom to be spontaneous and un-connected. As it doesn't rely on your phone or pre-loaded funds, any adventure is possible. You can quickly and easily disconnect from digital distractions, but with the security of a payment device for whatever you might need along the way. 

  • Lifestyle - water proof, sweat proof and light weight makes HOVA the best companion for your everyday lifestyle.
  • Freedom - buy a coffee after your morning walk, a refreshing drink at the beach or pool, or sustenance at a music festival without the need for your phone or wallet.
  • Pay quickly - When you're trying to rush through the checkouts and don't have a spare hand to dig your wallet out, HOVA is by your side (on your wrist).
  • Stylish design - HOVA's minimalist design will complement your own style.
  • Practical & sleek - there is no compromise between style or convenience.
  • Your money - HOVA is linked to your Heritage everyday transaction account, giving you direct access to your own funds.



How do I get a HOVA?

HOVA is exclusive to Heritage Bank. In order to receive a HOVA, you will need to open an eligible Heritage transaction account at your local branch or call our Contact Centre on 13 14 22. This is a limited promotional campaign so there is limited stock available.

How does HOVA work?

HOVA uses the same contactless payment technology as Visa debit cards, with a chip securely inserted inside. Simply hold your HOVA within four centimetres of the contactless terminal for more than half a second to trigger payment. HOVA can be used wherever Visa payWave is accepted, in Australia or overseas, and is backed by Visa’s Zero Liability Policy#. Transactions over $100 require a PIN.

Do I need to pre-load HOVA with funds?

No. HOVA is linked to your Heritage everyday transaction account and operates as a Visa Debit Card. Provided you have money in your everyday transaction account, your HOVA will be able to access this balance. At account opening, you will also receive a Visa Debit card, in addition to your HOVA so you have the flexibility of a card device too.

What if my HOVA is lost or stolen?

If your HOVA is lost or stolen, you can immediately lock it through the Heritage Bank mobile banking app. You can also cancel it through the App, however please be aware that due to the limited number of devices a replacement HOVA is not available. That means if you break, damage or lose your HOVA, we are unable to issue a replacement.

Will HOVA fit my wrist?

Really want a HOVA but not sure it will fit your wrist? Don't fret! The image below shows the adjustable sizing of the band when secured at its largest and smallest wrist circumferences.