Customer Owned Banking


A bank with award-winning customer service
Banking that puts People first.
Heritage is Australia's largest customer owned bank. With a history going back to 1875, we've always been in the business of helping Australians realise their financial dreams.

What's the difference between a bank and a customer owned bank? We're independent - owned by our customers, not shareholders. So instead of pursuing massive profits, our focus is on putting People first.

We're part of a movement that began in Australia over 150 years ago, when groups of like-minded workers and communities came together to create building societies, credit unions and mutual banks. Since then, customer owned banking has grown to serve over 4 million Australians in every state and territory. 

The challenges we face together may change over time, but our award-winning customer service, competitive products and ingenuity will always be there to support you.

Choose a customer owned bank with award-winning customer service.
Mozo People's Choice Award Outstanding Customer Service & Most Recommended

Innovating and caring for our customers.

From releasing technology like our innovative HOVA wearable payment band, to being Australia's largest issuer of prepaid cards, Heritage is at the forefront of ingenuity in the customer owned banking sector. We have a strong history of supporting our community and to date, our community branches have given back over $50 million into their local communities.

Real stories by real customers
Parental advice pays off for Mat
The Royal Commission into the banking sector has indirectly saved 32-year-old Brisbane truck driver Mat Brown around $30,000 on his home loan repayments. 
James Hecker
New pool thanks to savings
Switching has paid huge dividends for Hatton Vale couple James and Tracy Heck. Now their two kids will now spend this summer splashing around in a new pool.