Savings account rates › People First and Heritage Bank
Online Saver Account
People First and Heritage Bank
CDR officialNot ranked in rate tables
Manage your savings online with our high interest savings 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 |
|---|---|---|---|---|
| 1.40% | Bonus · $1–$100,000 | 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 |
| 3.45% | 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/02901be8-7e53-49c8-ae99-097c55c11074- Content hash
sha256 5847014c79ba44e9273390e218b6780b73cdcb49ca402cbac34d16bb004d22a2- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_5847014c79ba44e9_cdc3aa6cShow details
- Checked
- 1 Nov 2026
- URL
https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/02901be8-7e53-49c8-ae99-097c55c11074- Content hash
sha256 5847014c79ba44e9273390e218b6780b73cdcb49ca402cbac34d16bb004d22a2- 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 |
| Business internet banking security token | Event | $50.00 |
| Document/Record search fee | Event | $12.00 |
| 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 |
| Direct Debit Dishonour Fee | Event | $10.00 |
| RTGS payment/transfer to your account | Transaction | $10.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Other | Electronic or Physical statements provided | |
| Digital banking | Internet, Mobile and Phone banking available | |
| Other | Scheduled, periodic payments available | |
| Other | Direct debit facility available | |
| Unlimited txns | ||
| Other | Bonus interest introductory offer | |
| Other | SMS services available | |
| Loyalty program | Heritage Credits is Heritage's loyalty program | |
| Eligibility: other | You need to be a registered user of Heritage Online. | |
| 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 | 3.45% |
| Bonus · $1–$100,000 | 1 Nov 2026 | Current | 1.40% |
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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