Lenders › People's Choice and Heritage › Youth Target Bonus Account
People's Choice and Heritage · Transaction accounts
Youth Target Bonus Account
People's Choice and Heritage's Youth 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 overBonus Interest applied if at least one deposit and no withdrawals are made during the month. | 4.49% |
Rate moves, last 30 days
Published fees
| Fee | Amount |
|---|---|
| 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 Chequewhen it happens | $10 |
| Inactive Account Administration Feewhen it happens | $20 |
| Overdraft Reference Feewhen it happens | $10 |
| 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 |
| Manual transfer to another Heritage Accountper transaction | $2.50 |
| Manual transfer to another financial institutionper transaction: Charged per manual transfer to another financial institution including People's Choice branded accounts. | $4 |
| Telegraphic transfer within Australiaper transaction | $30 |
| Telegraphic transferper transaction: Sent in AUD to a country with different currency | $50 |
| Telegraphic transferper transaction: transfer to a country in accepted currency (for example, USD to the United States) | $30 |
Other People's Choice and Heritage transaction accounts
Dream Fund 5.54%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.
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