Access Account
Our Access account is your complete everyday transaction account.
- Base rate
- 0%
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable All the balances are eligible for advertised interest rate and is calculated as per the general terms. | 0% | — | monthly |
Fees
| Fee | Type | Amount |
|---|---|---|
| Visa Debit card - replacement (express post) Visa Debit card replacement (express post). Replacement by regular post is fee-free. | Event | $22.50 |
| Audit certificate Fee charged for Audit Certificates. | Event | $35.00 |
| Special answer (cheque deposits) Special answer fee for cheque deposits. | Event | $15.00 |
| Voucher retrieval Fee charged for voucher/information retrieval by us. | Event | Variable |
| Overdrawn account Fee charged on overdrawn accounts (per occurrence). | Event | $10.00 |
| Dishonour fee Dishonour fee charged on Pay anyone, BPAY, cheque and Direct Debit dishonours. | Event | $10.00 |
| Stop cheque fee Stop cheque requests - lost or stolen. Fee is per cheque. | Event |
Features
- Bill payment (BPAY) — BPAY
- Make unlimited fee-free bill payments using BPAY via Internet Banking or from our app.
- Digital banking
- Make fee-free Pay anyone or BPAY transactions via Internet Banking or from our app.
- Additional cards — Unlimited
- Receive additional fee-free Visa Debit cards to make purchases or cash-out transactions within Australia.
- Digital wallet — The Visa Debit card can be added to Apple Pay.
- Card access — Visa Debit card
- Receive a fee-free Visa Debit card to make purchases or cash-out transactions within Australia and worldwide.
- Unlimited transactions
- Make unlimited fee-free transactions using the Visa Debit card, or via Internet Banking or Mobile Banking.
Eligibility
- To open an account, you must be an existing customer with a valid email address and an Australian mobile number.
- Residency status — To open an account, you must be solely a tax resident of Australia.
- Minimum age — 14 yearsTo open an account, you must be 14 years or older.
More Information
Published by Heartland under the Consumer Data Right · Last updated 13 March 2026 · Product ID S01.1 · View on CDR.gov.au