People First Bank / Heritage Bank Business Access Account
transaction accountstale
Business Access Account is a transaction account from People First Bank / Heritage Bank. It pays 0.01% p.a. with no bonus conditions.
Not ranked: a transaction (everyday) account, not a savings account.
Rate tiers
Every balance band in the bank's feed: base is the rate the bank pays.
| Balance | Base |
|---|---|
| $0+ | 0.01% |
One rate on every balance, with no upper limit.
The feed states a minimum balance of $100.
Conditions
- not updated by the bank since 2026-09-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed
Features
- card
- Visa Business debit card
- app
- yes
- Osko
- yes
- PayID
- yes
- wallets
- Google Pay, Samsung Pay, Garmin Pay, Apple Pay
- transactions
- 0 free a month
Other features, in the bank's words:
- Bank@Post facility available
- Electronic or physical statements available after 100 transactions, six months or on request
- Scheduled, periodic payments available
- Direct debit facility available
- Support for BPAY available
- Sweep facility available
Fees, limits and who can open it
- monthly fee
- no monthly fee stated
- other fees named
- Overseas Currency Conversion Fee (no amount in the feed)
- minimum balance
- $100
- interest paid
- quarterly
- interest calculated
- daily
- open to
- business customers
Who can open it, in the bank's own words:
- business: You must operate a business
About this account
Low cost account is designed with small to medium businesses' needs in mind and handles your day-to-day transactions efficiently.
Data
- People First Bank / Heritage Bank's own page for this account.
- The bank's documents its product record links to: terms and conditions, fees, eligibility.
- Our verbatim snapshot of the bank's product record (source), as fetched on 27 October 2026.
/au/finance/savings-accounts/v1/brands/people-first-and-heritage-bank.json: this bank's accounts and every balance band as JSON; People First Bank / Heritage Bank's page lists them.- The bank last updated this record on 15 September 2026. Rates are per annum as the bank states them; "stale" means the bank has not updated the record for over 60 days or since the latest cash rate change.
Other accounts at People First Bank / Heritage Bank
- Community and Business Saverstale savings account, 1.60% base at $50,000
- Dream Fundstale savings account, 5.55% conditional at $50,000
- Online Saver Accountstale savings account, 3.45% base at $50,000
- Target Bonus Accountstale savings account, 4.50% conditional at $50,000
- Youth Target Bonus Accountstale savings account, 4.50% conditional at $50,000
- Community and Business Accessstale transaction account
- Everyday Accountstale transaction account
- Simply Access Transaction Accountstale transaction account, 0.01% base at $50,000
- Youth Simply Access Transaction Accountstale transaction account, 0.01% base at $50,000
All of People First Bank / Heritage Bank's accounts on its page, with its best rates per segment and rate kind, and every account at every bank.
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