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- Heritage Bank
- Simply Access
Simply Access
- App banking
- Online banking
- Overseas ATM facilities
- Visa debit card
Monthly fee
$0
Maximum interest rate
0.01%
Simply Access
- App banking
- Online banking
- Overseas ATM facilities
- Visa debit card
Monthly fee
$0
Maximum interest rate
0.01%
Pros and Cons
For Simply Access
Benefits
- Parental control available: A parent/guardian can have full operating authority on the account until the account holder turns 12.
- Internet block on adult and gambling websites automatically applied to Visa Debit card if the account holder is under 16
- $0 account keeping fee
- Linked Visa debit card
- App banking available
- Google Pay, Samsung Pay, Apple Pay, Garmin Pay, Fitbit Pay available
- 0.01% interest applies
- Send money using PayID
Drawbacks
- $5 Overseas ATM Withdrawal Fee
- 3% fees apply for overseas transactions
Heritage Bank Rate Bank Account overview
For Simply Access
Account details
Minimum opening amount
$1
Min. age restrictions
N/A
Minimum balance
Max. age restrictions
N/A
Interest calculation frequency
Daily
Interest payment frequency
Quarterly
Features
Linked account
Send money using PayID
Joint application available
Free international account transfer
Foreign currency
Target Market Determination
Visit Heritage Bank, a trading name of Heritage and People’s Choice Limited to view Target Market Determination.
Methods of access
Internet banking
ATM access
Phone banking
EFTPOS facility
Branch access
Cheque services
App
App only
Fee details
Monthly fee
$0
Min. deposit for fee free
N/A
ATM & EFTPOS fees
ATM withdrawal fee
$0
Other bank ATM withdrawal fee
Daily ATM withdrawal limit
$1,000
EFTPOS fee
$0
Overseas fees
Overseas ATM withdrawal fee
$5
Overseas eftpos fee
Foreign transaction fee
3%
Other transaction fees
Phone transaction fee
$0
Internet transaction fee
$0
Counter withdrawal fee
$0
Free counter transactions
Counter deposit fee
$0
Cheque fee
$0
Cheque dishonour fee
$10
