Savings account rates › People First and Heritage Bank
Youth Simply Access Transaction Account
People First and Heritage Bank
CDR official
Establish good sending and saving habits plays an important role in creating a great foundation for your child's lifelong relationship with money and banking.
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/202f348a-4888-43c9-a944-c4f3c653c717- Content hash
sha256 491c681c2c33ebd0ad53015e334a6e4892e9f256956c015301ce9db2265bae95- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_491c681c2c33ebd0_479de2b7Show details
- Checked
- 1 Nov 2026
- URL
https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/202f348a-4888-43c9-a944-c4f3c653c717- Content hash
sha256 491c681c2c33ebd0ad53015e334a6e4892e9f256956c015301ce9db2265bae95- 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 |
| 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 |
| Inactive Account Administration Fee | Event | $20.00 |
| Overdraft Reference Fee | Event | $10.00 |
| Overseas Currency Conversion Fee | Transaction | 3.00% |
| 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 | Transaction | $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, Apple Pay, Fitbit Pay, Garmin 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 | ||
| 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. |
| Other | SMS Services | |
| Other | $0 monthly account keeping fee | |
| Loyalty program | Heritage Credits | Terms and conditions apply |
| 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. |
|---|---|---|---|
| Variable · $1 or more | 1 Nov 2026 | Current | 0.01% |
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