Savings account rates › People First and Heritage Bank
Youth Target Bonus Account
People First and Heritage Bank
CDR officialNot ranked in rate tables
Help your child establish good saving habits with a Heritage Kids Bank 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 |
Report an error
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/1e57e54b-8df8-4f03-9f61-20ce1ad5b471- Content hash
sha256 cebcf46c34e175a0cfa233bf4103f9c955d871062d7ed29b22f0eedd45d23710- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_cebcf46c34e175a0_62642548Show details
- Checked
- 1 Nov 2026
- URL
https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/1e57e54b-8df8-4f03-9f61-20ce1ad5b471- Content hash
sha256 cebcf46c34e175a0cfa233bf4103f9c955d871062d7ed29b22f0eedd45d23710- 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 |
|---|---|---|
| Document/Record search fee | Event | $12.00 |
| Heritage Bank Cheque | Event | $10.00 |
| Inactive Account Administration Fee | Event | $20.00 |
| Overdraft Reference Fee | Event | $10.00 |
| 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 provided | |
| Digital banking | Internet, Mobile and Phone banking available | |
| Unlimited txns | ||
| Other | $0 account keeping fees | |
| Other | Backed by the Government Deposit Guarantee for deposits up to $250,000 | |
| Other | SMS Services | |
| Loyalty program | Heritage Credits | Heritage Credits is Heritage's loyalty program |
| 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% |
| Bonus · $1 or more | 1 Nov 2026 | Current | 4.49% |
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 | |
Registered channels
Lender staff and brokers registered with Homepedia, and the prices available through them. Separate from the product data above: it never changes the lender's rates or the order of any rate table.People registered for this product
No one is registered for this product yet. Lender staff and brokers can join through verification.