People First Online Saver Account (Heritage) Summary
Description
Manage your savings online with our high interest savings account.
Benefits
- Introductory rate of 4.60% p.a. for 4 months for eligible customers.
- No monthly savings-account fee.
- No monthly activity requirements for the ongoing rate.
More benefits
- No upper balance cap in the reviewed ongoing pricing.
Hoops
- The introductory offer is temporary, lasting 4 months. The ongoing rate then applies.
On this page
Details
Key details
| Product name | People First Online Saver Account (Heritage) |
|---|---|
| Maximum variable rate | 4.60% p.a. (Introductory, first 4 months) |
| Ongoing interest rate | 3.20% p.a. |
| Base interest rate | 3.20% p.a. |
| Minimum age | - |
Source: noren.com.au
All comparison details
| Base | 3.20% |
|---|---|
| Ongoing | 3.20% |
| Ongoing cap | No cap |
| Intro | 4.60% |
| Intro cap | $100K |
| Intro period | 4 mths |
| Dep/mth | 0 |
| Dep $/mth | - |
| Growth/mth | $0 |
| Buys/mth | 0 |
| Txns/mth | - |
| W/d/mth | - |
| Min age | - |
| Max age | - |
| Fee/mth | $0 |
Source: noren.com.au
Rates & features
Interest rates
Variable rates % p.a. at $699, assuming applicable bonus conditions are met.
- Base: 3.20% p.a..
- Introductory: 4.60% p.a. for 4 months for eligible customers. Up to $100k.
Full rate breakdown
| Type | Rate | Applies to | Balance |
|---|---|---|---|
| Standard variable | 3.20% | Whole balance | All balances |
| Introductory total, first 4 months | 4.60% | This band only | First $100k |
| Introductory total, first 4 months | 3.20% | This band only | Over $100k |
Source: noren.com.au
Share/Export
This band only: the rate applies to the money within the listed balance range. Other portions earn their own rates.
Requirements
- No ongoing savings qualification. Daily base interest and first-four-month bonus on the first $100,000, with base-only excess. Registered Heritage Online access and eligible linked account required.
- Provider fee review 29 October 2026: this savings account has no monthly account-keeping fee. This does not waive transaction, statement, special-service or separately linked-account charges, their published conditions still apply.
Fees
- Monthly account fee: $0
Showing reviewed fees only, other charges may apply
How to apply
Check these eligibility requirements before applying with People First.
- You need to be a registered user of Heritage Online.
- Heritage-branded product within the shared registered feed, still open to new applications under the current Heritage guide. People First former-product closures do not automatically close Heritage products. No numeric age restriction is invented for the youth-labelled source record where current evidence supplies none.
Introductory eligibility
- New Heritage member, open the Online Saver with an eligible linked account within 60 days of membership opening. One qualifying single or joint Online Saver per member, four months from account opening. Personal comparison requires a personal linked account, not Business Access.
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Sources & review
Noren aggregates information from multiple primary sources to ensure you're getting the most up-to-date, accurate information. All product information is peer reviewed.
Collected and verified on 31 Oct 2026.