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Heritage Bank Simply Access

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.

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Account keeping fee


ATM withdrawal fee


Overseas ATM withdrawal fee


Overseas transaction fee

of transaction value

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Product NameHeritage Bank Simply Access
Monthly account fee$0
Card accessVisa
ATM Withdrawal Fee$0
International ATM Fee$5 + 3%
International transaction fee3%
Monthly deposit required to waive account feeN/A
Contactless PaymentsGoogle Pay, Apple Pay, Samsung Pay, Fitbit Pay, Garmin Pay

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.

How to apply


If the Heritage Bank Simply Access Account has all you need to stay on top of your spending, you can begin filling out your application online. Remember that you do have to become a member first, which requires a $1 payment for your share. Other eligibility requirements for opening the Simply Access Account include:

  • Minimum age. Heritage Bank does not set forth a minimum age requirement for this account.
  • Residency requirements. Permanent residents and citizens are eligible to apply for this account.

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