Summary

The Simply Access account allows you access to your money through over 2,900 ATMs around Australia.

With Heritage Bank’s Simply Access transaction account, you have the purchase power of Visa to make cash withdrawals using one of Australia’s largest ATM networks. You can also make purchases as if you have cash in hand, using the debit card to make payments straight from your account. With this type of flexibility in banking, it is simple to keep on top of your spending needs.

Pros

$$0 account keeping fee per month
Access account via internet, phone and mobile banking

Cons

Withdrawal fees on network ATMs
Overseas transaction fees apply
$5 Overseas ATM Withdrawal Fee

Details

Key details

Product Name	Heritage Bank Simply Access
Monthly account fee	$0
Card access	Visa
Own network ATM fee	$0
International ATM Fee	International ATM fee $5
International transaction fee	3%
Monthly deposit required to waive account fee	N/A
Contactless Payments	Apple Pay, Google Pay, Samsung Pay, Garmin Pay

Eligibility

Minimum Age	18
Joint account availability	Yes
Minimum opening deposit	$1

Key features

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Credit union membership

Before being able to apply for the Simply Access transaction account, you will need to become a member. This will involve a separate application along with a $1 to pay for your share.

Monthly account keeping fee

You are not required to make a monthly payment for the maintenance of this everyday account.

Online banking

With the Simply Access you are permitted unlimited free access to your account online, including with a mobile phone or other device.

Mobile app

The Heritage Bank app is available for iPhone, iPad, and android ios mobile devices. With this free download you can get instant updates on your balance, recent transactions and even pay your bill.

Visa debit card

You can opt to have a Visa debit card linked to your transaction account and make purchases wherever Visa is normally accepted. This includes shopping online and over the phone.

ATM access

The Westpac group is included with Heritage Bank's ATM network, allowing you to use ATMs in the Westpac, St. George Bank, Bank of Melbourne and BankSA network.

ATM fee allowance

While using a Heritage Bank ATM is always free, you are only allowed up to ten transactions per month using Westpac group ATMs before being charged $1.75 per transaction. This limit is a combined total of ATM transactions and EFTPOS purchases which are $0 per transaction once the threshold has been reached.

Overseas cash withdrawals

You can use your Visa debit card overseas, but this will incur a $5 charge plus additional charges posted by the provider.

Interest rates

This account does provide a modest interest rate which increases on balances over $50,000. That interest is calculated on the daily balance and paid into the account quarterly.

Minimum balance

A minimum of $1 should be in your account at all times.

How to apply

Eligibility

If the Heritage Bank Simply Access Account has all you need to stay on top of your spending, you can begin filling out your application online. Remember that you do have to become a member first, which requires a $1 payment for your share. Other eligibility requirements for opening the Simply Access Account include:

Minimum age. Heritage Bank does not set forth a minimum age requirement for this account.
Residency requirements. Permanent residents and citizens are eligible to apply for this account.

Depository requirements. There is a minimum of $1 needed as an opening deposit before your account can be activated.

Documentation needed

As you make your way through the application for the Simply Access account, you are also going to need to have the following documentation in order to fill in all of the sections accurately:

Tax file number. With accounts that earn interest, Australian financial institutions are required by law to withhold taxes on what you earn. If you do not provide your tax file number (TFN) or exemption code this will done at the highest marginal rate.
Identification. Photo identification documents such as your Australian driver's licence or passport will be required in order for Heritage Bank to verify your identity.

What happens after I submit my application?

As soon as your application is submitted online, Heritage Bank will verify the details and open an account for you. Your Visa debit card will also be prepared and mailed to the residential address that you provided.

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Ransford

February 20, 2023

As a Ghanaian citizen, I would like to open a bank account in Australia, but I don’t intend to migrate there soon.

I would just love to bank with you people.

Is that possible?

Alison Banney Finder

February 21, 2023

Hi Ransford,

Unfortunately that is not possible – you need to be an Australian citizen with an Australian residential address to open an account with Heritage Bank.

Heritage Bank Simply Access

Pros

Cons

Key features

Credit union membership

Monthly account keeping fee

Online banking

Mobile app

Visa debit card

ATM access

ATM fee allowance

Overseas cash withdrawals

Interest rates

Minimum balance

How to apply

Eligibility

Documentation needed

What happens after I submit my application?

Compare other transaction accounts

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