Savings account rates › People First and Heritage Bank
Target Bonus Account
People First and Heritage Bank
CDR officialNot ranked in rate tables
Earn bonus interest when you make regular desposits and no withdrawals with a Heritage Target Bonus Account
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Applies to | Conditions | Source | Since |
|---|---|---|---|---|
| 4.49% | Bonus · $1 or more | Bonus rate, paid in months you meet the lender's conditions; the lender doesn't say whether it is added to the base rate Not compared in rate tables | CDR | 1 Nov 2026 |
| 0.01% | Variable · $1 or more | Bonus conditions are described in the lender's own words; see the lender's page | CDR | 1 Nov 2026 |
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Anyone can report a value that looks wrong. The row is marked as disputed and keeps its value; when the lender's Consumer Data Right data next changes we check it and remove the mark.
Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/683e6ac4-7cb6-4d1f-a5ae-bddf379a39a5- Content hash
sha256 7ef08408ec2b2715e914d02f0c2c91a3c10d5e935109176e0c5099c0e7b10dc6- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_7ef08408ec2b2715_7f84005bShow details
- Checked
- 1 Nov 2026
- URL
https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/683e6ac4-7cb6-4d1f-a5ae-bddf379a39a5- Content hash
sha256 7ef08408ec2b2715e914d02f0c2c91a3c10d5e935109176e0c5099c0e7b10dc6- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Business internet banking security token | Event | $50.00 |
| Direct Debit Dishonour | Event | $10.00 |
| Document/Record search fee | Event | $12.00 |
| Heritage Bank Cheque | Transaction | $10.00 |
| Heritage Online Business internet Banking - Account Reconciliation | Event | $0.05 |
| Heritage Online Business internet Banking - Payroll and creditor batch payments - for each payment in a batch | Event | $0.05 |
| Inactive Account Administration Fee | Event | $20.00 |
| Overdraft Reference Fee | Event | $10.00 |
| Payroll Processing | Transaction | $0.50 |
| SMS Services | Event | $0.25 |
| Statements | Event | $1.00 |
| Transaction listing | Event | $5.00 |
| Manual transfer to another Heritage Account | Transaction | $2.50 |
| Manual transfer to another financial institution | Transaction | $4.00 |
| Telegraphic transfer within Australia | Transaction | $30.00 |
| Telegraphic transfer | Transaction | $50.00 |
| Telegraphic transfer | Transaction | $30.00 |
| Telegraphic Transfer | Transaction | $15.00 |
| RTGS payment/transfer to your account | Transaction | $10.00 |
| Paper Based Statement Fee | Other | $3.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Other | Electronic or Physical statements available | |
| Digital banking | Internet, Mobile or Phone banking available | |
| Other | SMS Services | |
| Other | Earn a bonus interest rate above our normal rate for every month you make at least one deposit, and no withdrawals | |
| Other | $0 account keeping and transaction fees | |
| Other | Backed by the Government Deposit Guarantee for deposits up to $250,000 | |
| Limit: opening balance | 1.00 | |
| Limit: min balance | 1.00 |
Rate history
| Rate | From | To | Rate p.a. |
|---|---|---|---|
| Bonus · $1 or more | 1 Nov 2026 | Current | 4.49% |
| Variable · $1 or more | 1 Nov 2026 | Current | 0.01% |
Tags
| Tag | Meaning | Effect |
|---|---|---|
pricing:bonus-unstated | Bonus conditions in the lender's own words | A total rate can't be worked out, so the product is display only |
bonus-conditions-free-text | Reason this product is not ranked | |
bonus-base-relationship-unstated | Reason this product is not ranked | |
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