Who is People First Bank?

 

People’s Choice and Heritage Bank merged in 2023 to create one of Australia’s largest customer-owned banks – People First Bank. Now, we’re ready to take the next step.

With over 150 years in customer-owned banking, we're for supporting people and communities around Australia for better.

Let us introduce ourselves

    All kinds of good coming soon

    We’ve created a simple digital banking experience that gives you more control than ever.

     

    • Simple navigation

      Making banking easier with a simple app that simply works.

    • 24/7 support

      Chat with our friendly team our Customer Hub 24 hours a day, 7 days a week on 13 11 82.

    • Two-factor authentication

      Two-factor authentication and email notifications for higher-risk activities.

    • Safe and secure

      Strong anti-fraud measures and 24/7 payment and card monitoring.

    • Card controls

      Lock and unlock your cards instantly in the app if your card is lost or stolen.

    • Customisable

      Add your favourite accounts to your dashboard for quick access.

    • Secure messaging

      Securely message us in the app anytime for help with payment limits, travel notifications, help with your products and more.

    • Password resets

      Securely reset your log in details anytime through the app.

    • Digital wallet

      When you order a new card, start spending within 24 hours by adding to your digital wallet.

    • What's happening next?

      From 5 May 2026, People’s Choice will officially become People First Bank - and existing People’s Choice customers will automatically be People First Bank customers. 

      We’ll gradually invite People’s Choice customers to start using the People First Bank App and Online Banking. 

      When that time comes, we’ll help you through the simple and secure steps to make the switch. In the meantime, keep banking as usual and we’ll be in touch soon.

    Changes coming soon

    We’ve brought together the best of People’s Choice and Heritage Bank with some exciting new advancements to create the bank you’ve been waiting for.

    • New website

      This website will switch over to our new and improved site - peoplefirstbank.com.au.

    • App and Online Banking

      In time, People’s Choice customers will be invited to register to start using our new and improved App and Online Banking. Sit tight, you’ll hear more from us soon.

    • Branches and ATMs

      You’ll notice our new-look People First Bank branches and new Smart ATMs where People’s Choice used to be. Find your nearest branch here.

    • Your cards

      Your digital People’s Choice card will automatically update to the People First Bank brand. Keep using your physical People’s Choice branded card until it expires. When it does, we’ll issue you a new physical People First Bank card. 

    • Your details

      You’ll be a customer of People First Bank, but your member number and account numbers will stay the same. 

    • Your products

      Although your products are now with People First Bank, you can keep using them the same way as you currently do.

    Updates to our BSB

    You’ll notice our BSB has changed from 805-050 to 671-000. For now, both BSBs will work.

    For any new payments into your accounts, we recommend providing the new BSB of 671-000. 

      Changes to some of our services

      If you currently use PayTo, a multiple-to-sign account, batch payments, access tokens or international payments - there will be changes to how you access these services from 5 May 2026.

      All the changes

      • A fresh look for our friendly faces

        Next time you head into your local branch, you’ll notice our friendly team sporting a fresh People First Bank look.

        From branch rebrands to a fresh look for our team, we are one step closer to bringing our new brand to life.

      Your questions, answered.

      Changes to our services

       

      • What is changing about how I create or manage my PayTo agreements?

        When we move to the People First Bank brand on 5 May, managing PayTo agreements online will be temporarily unavailable. We’re working hard to bring this feature to the People First Bank App and Online Banking as soon as possible. Until then, our friendly team can help you manage your PayTo arrangements on your behalf. Simply visit us in branch or call us on 13 11 82, available 24/7.

      • What is changing about how I manage my multiple-to-sign account or authorise payments?

        From 5 May, customers will be able to view their multiple-to-sign accounts online - but will need to speak with our team in-branch to make changes or authorise new payments. If you have any questions about how to manage these payments, please call us on 13 11 82, available 24/7.

      • Can I still make batch payments?

        Batch payments will no longer be available from 5 May, as we found that only a very small number of customers use this service. We’re sorry if this affects you, and our team is here to help you find alternative ways to pay. Visit us in branch or call us on 13 11 82, available 24/7.

      • What’s changing about how I make international payments?

        From 5 May, making international payments online will be unavailable.  We’re still working on what this service looks like in future. In the meantime, our friendly team can help you make international payments in branch.

      • What's changing about how I use my Personal Access Token?

        From 5 May, Access Tokens will continue to work with the People's Choice App and Internet Banking. Once you have successfully registered to bank online with People First Bank, this will be replaced with secure two-factor authentication. 

      • Why are some services changing?

        As a customer-owned bank, we’re committed to investing in the services and products our customers use most. As we prepare to officially launch People First Bank, this means prioritising our focus toward the services that provide the greatest benefit to the most customers.

        While some features won’t be available immediately in the new App and Online Banking, we’re working hard to introduce them as soon as possible.

      Are your details up to date?

      We’ll be in touch soon about what this change means for you – so make sure to keep an eye on your inbox and keep your communication preferences   and contact details up to date.

      To update your details, head to: 

      Internet Banking > Settings > Member Details or give us a call on 13 11 82, available 24/7.

      Your security is our absolute priority

      • Our official websites

        As we work towards our new brand, we will slowly phase out our existing brands, including their websites. For now, these are the only three official website addresses for our bank.

        ✔ People First Bank https://www.peoplefirstbank.com.au

        ✔ People's Choice https://www.peopleschoice.com.au

        ✔ Heritage Bank https://www.heritage.com.au

        Remember to double check the web address matches one of the above if you're unsure.

      • Stay scam aware

        Scammers are constantly finding new ways to trick people into giving away their money and personal information. 

        Protecting your account is our priority. Our team of experts is dedicated to keeping your banking secure with 24/7 monitoring and security measures.

        We will never: 

        • SMS customers asking for personal information or to click on a link
        • Call customers unsolicited asking for personal information or to make a payment
        • Send emails with links that direct you to People First Bank’s Online Banking and App login pages or any site requesting banking security information or access to your device.

      • Not sure if an email is from us?

        Over the next few months, customers may receive emails from our previous People's Choice email address as well as our new People First Bank email address. That’s because it will take a little longer to bring all our services and technology together.

        If you are ever worried about the legitimacy of an email from us, please give us a call immediately on 13 11 82.

         

        Important to remember:

        We will never contact you to request your login details, security codes, card details, or one-time passwords.

        If you receive a call claiming to be from People First Bank, People’s Choice or Heritage asking for this information, hang up and call our 24/7 team on 13 11 82 so that we can verify if the caller was legitimate.

      Need some help? We've got you covered.

      Get in touch with us and we can help you get the answers you need.