Savings account rates › People First and Heritage Bank
Mortgage crusher
People First and Heritage Bank
CDR officialNot listed in rate tables
Our Mortgage Crusher transaction account offers a 100% offset against your eligible variable home loan, reducing the amount of interest you pay.
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 |
|---|
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/4bf53174-dd79-4241-9ca5-84808771e18e- Content hash
sha256 890896ed244d355ffbc857789a012068b901fa95da8c2244c3af6a60e75320d2- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_890896ed244d355f_39959326Show details
- Checked
- 1 Nov 2026
- URL
https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/4bf53174-dd79-4241-9ca5-84808771e18e- Content hash
sha256 890896ed244d355ffbc857789a012068b901fa95da8c2244c3af6a60e75320d2- 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 | |
| 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, Fitbit 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 | Loan offset account offering 100% interest offset when linked to our Home Advantage Variable or Standard Variable home loan | |
| Other | Receive offset when balance is over $500 | |
| Other | $0 account keeping fees | |
| Free txns | 0 | No Fees~ on a network of over 10,000 ATM's 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. |
| Loyalty program | Heritage Credits | Terms and conditions apply |
| Eligibility: other | You can open a Mortgage Crusher (S10) account, if you: have a current eligible Heritage variable rate mortgage loan under the same member number; and give us recognised instructions to link the mortgage loan to your Mortgage Crusher (S10) account. | |
| Limit: opening balance | 1.00 | |
| Limit: min balance | 1.00 |
Rate history
No earlier values recorded yet.
Tags
| Tag | Meaning | Effect |
|---|---|---|
quality:no-interest | quality:no-interest | |
out-of-scope | Reason this product is not ranked | |
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