Heritage
Online Saver Account
Manage your savings online with our high interest savings account.
Savings & transaction accountsBank updated 13 Aug 2026
At a glance
- Base rate
- 3.20%
- Bonus rate
- 1.40%
- Up to
- 4.60%
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Bonus | — | — | $1–$100,000 | 1.40% | — | paid every 1 mo; Bonus Promotional 4 month rate on new accounts up to $100,000 |
| Variable | — | — | $1+ | 3.20% | — | paid every 1 mo |
§ 02 — Fees · 13
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Business internet banking security token | Event | $50 | — | Including replacement security tokens |
| Direct Debit Dishonour Fee | Event | $10 | — | — |
| Document/Record search fee | Event | $12 | — | For record searches, traces, supplying copy of details of transactions (including Visa card transaction slips) at your request on your account |
| 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 | — | — |
| Overdraft Reference Fee | Event | $10 | — | — |
| SMS Services | Event | $0.25 | — | — |
| Statements | Event | $1 | — | For the second and subsequent statement issued during a month, or when a statement is issued on your account at your request at any time before the next statement issuing due date |
| Transaction listing | Event | $5 | — | When a transaction listing between two given dates is issued on your account |
| Paper Based Statement Fee | Other | $3 | — | Fee is charged for each paper statement issued as per your account statement cycle. Excludes eStatements which are free of charge. |
| Payroll Processing | Transaction | $0.50 | — | — |
| RTGS payment/transfer to your account | Transaction | $10 | — | — |
§ 03 — Features
Digital bankingUnlimited transactionsHeritage Credits is Heritage's loyalty program
- · Electronic or Physical statements provided
- · Scheduled, periodic payments available
- · Direct debit facility available
- · Bonus interest introductory offer
- · SMS services available
§ 04 — Eligibility & limits
- · Minimum balance $1
- · Opening balance $1
- · You need to be a registered user of Heritage Online.
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by People First and Heritage Bank under the Consumer Data Right, last changed by them on 13 Aug 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.