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People's Choice and Heritage · Savings accounts
Online Saver Account
People's Choice and Heritage's Online Saver Account is a savings account. The figures are the ones People's Choice and Heritage publishes under the Consumer Data Right today. The advertised rate last moved on 1 November 2026, up from 4.60% to 4.85%.
Advertised rate, last 30 days. Between 4.60% and 4.85% over the last 30 days.
4.85% is the 3.45% base plus a 1.40% welcome rate for 4 months, for new customers on balances up to $100,000; 3.45% after that.
Every current rate (2)
| Tier | Rate |
|---|---|
| Bonus, $1 to $100,000 | 1.40% |
| Variable, $1 and over$1 or more | 3.45% |
Rate moves, last 30 days
- 1 November 2026: Variable, $1 and over lifted 0.25pp, from 3.20% to 3.45%.
Published fees
| Fee | Amount |
|---|---|
| Paper Based Statement Fee: Fee is charged for each paper statement issued as per your account statement cycle. | $3 |
| Business internet banking security tokenwhen it happens: Including replacement security tokens | $50 |
| Document/Record search feewhen it happens: For record searches, traces, supplying copy of details of transactions (including Visa card transaction slips) at your request on your account | $12 |
| Heritage Online Business internet Banking - Account Reconciliationwhen it happens | $0.05 |
| Heritage Online Business internet Banking - Payroll and creditor batch payments - for each payment in a batchwhen it happens | $0.05 |
| Inactive Account Administration Feewhen it happens | $20 |
| Overdraft Reference Feewhen it happens | $10 |
| Payroll Processingper transaction | $0.50 |
| SMS Serviceswhen it happens | $0.25 |
| Statementswhen it happens: 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 stateme | $1 |
| Transaction listingwhen it happens: When a transaction listing between two given dates is issued on your account | $5 |
| Direct Debit Dishonour Feewhen it happens | $10 |
Other People's Choice and Heritage savings accounts
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