The money-savvy tech from Heritage Bank you need to get your hands on today

It’s 7:56pm. You’ve raced down to the corner store to grab some milk before it closes, but a sudden shiver runs down your spine as you grope at your empty pockets for the keys and wallet you know you left back home on the kitchen bench. Uh oh.
While your chances of getting back inside may be slim, the recent emergence of wearable payment devices available to Aussie banking customers means that at least you won’t be left without milk anytime soon.
A number of wearables, such as Heritage Bank’s HOVA wristband that works just like a debit card on your wrist and Westpac’s similar PayWear offering, have emerged on the market in recent months to give Australian’s another payment choice to add to their existing arsenal of card, phone and even good old cash.
RELATED: Pay with your watch: Westpac pioneer PayWear
Unlike some of the existing wearable financial devices, both HOVA and PayWear are linked to customers’ bank accounts, which means users can tap using their own spending money (up to $100 without having to enter a pin), not just the funds they’ve pre-loaded onto the device.
“What’s different about HOVA is that it links directly to your Visa debit account, unlike other wearables that require users to load money onto a prepaid card,” said Heritage Bank CEO Peter Lock.
“The beauty of HOVA is that it works just like a Visa Debit card, but it’s conveniently strapped to your wrist like a watch. Because it contains a Visa payWave chip, it’s a great option for people who don't have the right kind of watch or who don't want to carry their phone with them.”
A May report from the Australian Payments Network indicated that wearable technology was fast becoming a popular form of payment option, especially given the decline of physical payment methods such as cash and cheque.
The report noted that nearly 15% of Australians now own a smart wearable device, with that figure predicted more than double to 37% by 2020.
Heritage Bank customers who want to snag a HOVA payment band of their own will need to be fast though, as the initial release is only available until the end of November.
In the meantime, head on over to the Mozo bank account hub to compare a range of convenient online banking options, or check out some of the great offers below:
Bank Accounts
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Mozo experts choice awards won:
- Exceptional Everyday Account - 2025
- Travel Debit Card - 2025
Everyday Edge Account
$0.00
Apple Pay, Google Pay, PayID, Samsung Pay
0% p.a.
This bank account has no account keeping fees to pay. There are unlimited fee-free domestic transactions. Safe and secure digital banking. Fee-free card purchases and cash-out transactions in-store. Free access to thousands of ATMs nationwide. For customers 18 or over.
CompareCompareEveryday Edge Account
This bank account has no account keeping fees to pay. There are unlimited fee-free domestic transactions. Safe and secure digital banking. Fee-free card purchases and cash-out transactions in-store. Free access to thousands of ATMs nationwide. For customers 18 or over.
- account fee
- $0.00
- Payment Options
- Apple Pay, Google Pay, PayID, Samsung Pay
- interest rate
- 0% p.a.
- ATM networks
- -
- What kind of card?
- Visa Debit or
EFTPOS
- Interest rate
- Balances from $0: 0.00% p.a.
- Fee free transactions
- Unlimited free transactions from counter deposit, phone, internet and EFTPOS. Free counter withdrawals.
Read reviews and learn more about Great Southern Bank bank accounts
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Everyday Account
$0.00
Apple Pay, Google wallet
0% p.a.
In addition to $0 monthly account-keeping fees and 24/7 real human support, you can turn your everyday banking into Qantas Points. Link your Qantas Frequent Flyer account to your AMP Bank Everyday Account, in the new AMP Bank app and earn 1 point for every $10 on your average monthly balance. T&Cs apply.
CompareCompareEveryday Account
In addition to $0 monthly account-keeping fees and 24/7 real human support, you can turn your everyday banking into Qantas Points. Link your Qantas Frequent Flyer account to your AMP Bank Everyday Account, in the new AMP Bank app and earn 1 point for every $10 on your average monthly balance. T&Cs apply.
- account fee
- $0.00
- Payment Options
- Apple Pay, Google wallet
- interest rate
- 0% p.a.
- ATM networks
- ANZ, CBA, Westpac and atmx branded ATMs in Australia
- What kind of card?
- Debit Mastercard
- Interest rate
- Balances from $0: 0.00% p.a.
- Fee free transactions
- Unlimited free online app transactions and withdrawals from network ATMs.
Read reviews and learn more about AMP Bank bank accounts
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Choice
$5.00$0 monthly account fee for 12 months when you open an account by 30 May 2025. Account fee is also waived for customers that deposit at least $2,000 per month.
Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay, Digital Card
0% p.a.
Enjoy no monthly account-keeping fees for the first 12 months, for deposits of $2,000 a month or for eligible customers. No withdrawal fees at branded and select non-branded ATMs. No international transfer fees when sending foreign currency overseas via Online Banking or the Westpac App. Unlimited free transactions and account enquiries.
CompareCompareChoice
Enjoy no monthly account-keeping fees for the first 12 months, for deposits of $2,000 a month or for eligible customers. No withdrawal fees at branded and select non-branded ATMs. No international transfer fees when sending foreign currency overseas via Online Banking or the Westpac App. Unlimited free transactions and account enquiries.
- account fee
- $5.00$0 monthly account fee for 12 months when you open an account by 30 May 2025. Account fee is also waived for customers that deposit at least $2,000 per month.
- Payment Options
- Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay, Digital Card
- interest rate
- 0% p.a.
- ATM networks
- Westpac, St.George, BankSA, Bank of Melbourne
- What kind of card?
- Debit Mastercard
- Interest rate
- Balances from $0: 0.00% p.a.
- Fee free transactions
- Unlimited free transactions from internet, phone, network ATMs, EFTPOS, BPAY, branch deposits and withdrawals, and cheque.
Read reviews and learn more about Westpac bank accounts
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Orange Everyday
$0.00
Apple Pay, Google Pay, PayID, PayTo
0% p.a.
ING’s Orange Everyday bank account offers no monthly fees and 1% cashback on eligible utility bills up to $100 (T&Cs apply). Experts Choice Awards Highly Commended Everyday & Savings Bank 2025^
CompareCompareOrange Everyday
ING’s Orange Everyday bank account offers no monthly fees and 1% cashback on eligible utility bills up to $100 (T&Cs apply). Experts Choice Awards Highly Commended Everyday & Savings Bank 2025^
- account fee
- $0.00
- Payment Options
- Apple Pay, Google Pay, PayID, PayTo
- interest rate
- 0% p.a.
- ATM networks
- None
- What kind of card?
- Visa Debit
- Interest rate
- Balances from $0: 0.00% p.a.
- Fee free transactions
- Access 1% cashback on eligible utility bill payments (up to $100 per financial year), rebates on ATM fees for the first 5 fee incurring withdrawals (domestic). When you deposit at least $1,000 from an external bank account and make at least 5 card purchases using your ING debit card each month.
Read reviews and learn more about ING bank accounts
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Everyday Global Account
$0.00
Apple Pay, Google Pay
0% p.a.
Enjoy $0 monthly account fees and international fees, with no minimum deposit or balance requirements. Buy, hold and spend in 10 currencies (AUD included) and earn 2% cashback for purchases under $100 (T&C’s apply). Mozo's Experts Choice 2025 winner for Exceptional Everyday Account.^
CompareCompareEveryday Global Account
Enjoy $0 monthly account fees and international fees, with no minimum deposit or balance requirements. Buy, hold and spend in 10 currencies (AUD included) and earn 2% cashback for purchases under $100 (T&C’s apply). Mozo's Experts Choice 2025 winner for Exceptional Everyday Account.^
- account fee
- $0.00
- Payment Options
- Apple Pay, Google Pay
- interest rate
- 0% p.a.
- ATM networks
- HSBC
- What kind of card?
- Visa Debit
- Interest rate
- Balances from $0: 0.00% p.a.
- Fee free transactions
- Unlimited free transactions from HSBC ATMs, EFTPOS, phone, internet, BPAY and direct debits
Read reviews and learn more about HSBC bank accounts
Your selected bank accounts
Your selected bank accounts
Your selected bank accounts
Your selected bank accounts
Your selected bank accounts
^See information about the Mozo Experts Choice Bank Account Awards
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