Heritage Bank Simply Access
- Account keeping fee
- $0
- ATM withdrawal fee
- $0
- Overseas ATM withdrawal fee
- $5
- Overseas transaction fee of transaction value
- 3%
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 | $5 + 3% |
| International transaction fee | 3% |
| Monthly deposit required to waive account fee | N/A |
| Contactless Payments | Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay |
Eligibility
| Minimum Age | 18 |
| Joint account availability | Yes |
| Minimum opening deposit | $1 |
Key features
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.
Compare other transaction accounts

Your reviews
Alison Finder
Editor
Hi there, looking for more information? Ask us a question.
You are about to post a question on finder.com.au:
- Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
- finder.com.au is a financial comparison and information service, not a bank or product provider
- We cannot provide you with personal advice or recommendations
- Your answer might already be waiting – check previous questions below to see if yours has already been asked
Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.
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.
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?