8.4 / 10

based on 1604 Heritage Bank reviews as rated by Mozo community

Heritage Bank savings accounts

Heritage is Australia's largest member-owned bank. With a history going back to 1875, Heritage helps Australians realise their financial dreams. Heritage focuses on putting people first, not pursuing massive profits. They offer customers a full range of competitive personal banking products from home loans, term deposits, credit cards and Mozo Experts Choice Award winning saving accounts.

Heritage Bank offers the following savings accounts

Rates and fees verified as correct at 21 June, 2021. Other information correct at the time of writing. Advertiser disclosure.

Product Interest rate Maximum rate Govt deposit guarantee
Online Saver

0.35% p.a.(for $1 and over)

0.55% p.a. (for $1 to $100,000)

Yes up to $250,000

Target Bonus

0.01% p.a.(for $1 and over)

0.51% p.a. (for $1 and over)

Yes up to $250,000

How are Heritage Bank savings accounts rated?

Mozo users have rated Heritage Bank savings accounts on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of savings-accounts
Heritage Bank savings accounts
Overall
8.5/10
Price
Features
Customer service
Convenience
Trust

488 Reviews

Recent Heritage Bank savings account reviews

Heritage Bank Target Bonus review
Overall 10/10
Cannot fault them in any way.

Heritage Bank has the best rating overall as it is convenient with branches and ATMs with personal face to face staff when needed. Products and services are far superior to other banks.

Read full review

Heritage Bank has the best rating overall as it is convenient with branches and ATMs with personal face to face staff when needed. Products and services are far superior to other banks.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Kevin, Queensland, reviewed 2 months ago
Heritage Bank Savings Account review
Overall 9/10
No fees. Great service. Easy access.

Reliable bank that has been around for ages and not one of the big 4.

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Reliable bank that has been around for ages and not one of the big 4.

Price
7/10
Features
9/10
Customer service
10/10
Convenience
8/10
Trust
9/10
Less
Galen, Queensland, reviewed 5 months ago
Heritage Bank Target Bonus review
Overall 9/10
Highest interest rates

A good experience. They offered the highest interest rates on my two savings accounts. Opening an account was simple and did not take much time. They have a “win a gift card” incentive to invite others to the bank which was exciting to think I could’ve won, even though I didn’t in the end. The staff were friendly and answered all of my questions with ease. My savings will stay with this bank for sure!

Read full review

A good experience. They offered the highest interest rates on my two savings accounts. Opening an account was simple and did not take much time. They have a “win a gift card” incentive to invite others to the bank which was exciting to think I could’ve won, even though I didn’t in the end. The staff were friendly and answered all of my questions with ease. My savings will stay with this bank for sure!

Price
9/10
Features
6/10
Customer service
10/10
Convenience
6/10
Trust
9/10
Less
Maddison, Queensland, reviewed 6 months ago
Heritage Bank Savings Account review
Overall 9/10
Great bank.

Great bank, low if any fees.

Read full review

Great bank, low if any fees.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Michelle, Queensland, reviewed 7 months ago

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Savings account quick links