Savings account rates › People First and Heritage Bank
Simply Access Transaction Account
People First and Heritage Bank
CDR official
A transaction account with no monthly fee designed for easy transactions and access to your money for everyday spending.
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 |
|---|---|---|---|---|
| 0.01% | Variable · $1 or more | CDR | 1 Nov 2026 |
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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/8e460e86-2487-46fc-bc1b-2c5954fbb71b- Content hash
sha256 cb3c85ab81b7f0cad01a41111b0f4dabc7637173cf51a7f36c616b7033f5805e- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_cb3c85ab81b7f0ca_14e87ce2Show details
- Checked
- 1 Nov 2026
- URL
https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8e460e86-2487-46fc-bc1b-2c5954fbb71b- Content hash
sha256 cb3c85ab81b7f0cad01a41111b0f4dabc7637173cf51a7f36c616b7033f5805e- 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 |
|---|---|---|
| Paper Based Statement Fee | Other | $3.00 |
| Overseas ATM or counter withdrawals (Visa) | Transaction | $5.00 |
| Non-Heritage counter withdrawals | Transaction | $2.50 |
| Business internet banking security token | Event | $50.00 |
| Card replacement - Standard | Event | $10.00 |
| Card replacement - express Delivery in Australia | Event | $25.00 |
| Card replacement - Emergency replacement card overseas | Event | $200.00 |
| 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 |
| Overseas Currency Conversion Fee | Transaction | 3.00% |
| Payroll Processing | Transaction | $0.50 |
| Periodical payment | Payment | $0.00 |
| Periodical payment | Payment | $3.00 |
| SMS Services | Event | $0.25 |
| Statements | Event | $1.00 |
| Transaction listing | Event | $5.00 |
| Automatic Sweep | Transaction | $2.00 |
| 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 | Event | $50.00 |
| Telegraphic transfer | Transaction | $30.00 |
| Telegraphic transfer | Transaction | $15.00 |
| RTGS payment/transfer to your account | Transaction | $10.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Other | Bank@Post facility available. Minimum deposit of $20, maximum deposit of $8,000, minimum withdrawal of $20, maximum withdrawal of $2,000. | |
| Other | Electronic or Physical statements provided | |
| Digital banking | Internet, Mobile or Phone banking available | |
| Other | Scheduled, periodic payments available | |
| Other | Direct debit facility available | |
| Other | Support for BPAY available | |
| Other | Sweep facility available | |
| Digital wallet | Google Pay, Samsung Pay, Garmin Pay, Apple Pay | |
| Other | Visa emergency services available | |
| Card access | Visa debit card | Only available to customers 12 years and older. Chip enabled card available. Active fraud protection system available. Courtesy contact provided if a suspicious spend is observed. |
| Unlimited txns | ||
| Npp enabled | ||
| Npp payid | ||
| Other | SMS Services | |
| Loyalty program | Heritage Credits | Terms and conditions apply |
| Other | $0 monthly account keeping fee | |
| Other | Backed by the Government Deposit Guarantee for deposits up to $250,000 | |
| Free txns | 0 | No fees~ on a network of over 10,000 ATMs across Australia. ~The big 4 Banks are ANZ, Westpac, NAB and Commonwealth Bank. Some ATMs may still charge fees. You should check the prompts on the ATM screen that will indicate if a fee is going to be charged. Information correct as at 4 January 2021 and could change without notice. |
| Limit: opening balance | 1.00 | |
| Limit: min balance | 1.00 |
Rate history
| Rate | From | To | Rate p.a. |
|---|---|---|---|
| Variable · $1 or more | 1 Nov 2026 | Current | 0.01% |
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