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People's Choice and Heritage · Transaction accounts
Target Bonus Account
People's Choice and Heritage's Target Bonus Account is a transaction 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 4.24% to 4.49%.
Advertised rate
4.49%
headline tier
Tiers
2
current rate rows
Last moved
+0.25pp
1 November 2026
Advertised rate, last 30 days. Between 4.24% and 4.49% over the last 30 days.
Every current rate (2)
| Tier | Rate |
|---|---|
| Variable, $1 and over$1 or more | 0.01% |
| Bonus, $1 and over | 4.49% |
Rate moves, last 30 days
Published fees
| Fee | Amount |
|---|---|
| Business internet banking security tokenwhen it happens | $50 |
| Direct Debit Dishonourwhen it happens | $10 |
| 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 Bank Chequeper transaction | $10 |
| 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 |
Other People's Choice and Heritage transaction accounts
Dream Fund 5.54%Youth Target Bonus Account 4.49%Business Access Account 0.01%Simply Access Transaction Account 0.01%Youth Simply Access Transaction Account 0.01%
Get an email the morning People's Choice and Heritage moves this rate.
Every People's Choice and Heritage rate · every transaction account rate compared · other lenders · this product in the explorer.