How To Easily Transfer Money From Heritage Bank

When it comes to banking, transferring money has become a common and frequent activity for individuals and businesses alike. Heritage Bank offers a convenient and secure platform for transferring funds. Whether you need to send money to a family member, pay bills, or make business transactions, Heritage Bank provides you with various options to ensure seamless money transfers.

Introduction to Heritage Bank

Heritage Bank is a reputable financial institution known for its reliable and efficient banking services. With a strong emphasis on customer satisfaction, the bank offers various ways to transfer money, catering to different preferences and needs.

Features of Heritage Bank Transfer

Transferring money with Heritage Bank comes with a range of convenient features that cater to your needs and ensure a seamless experience. Whether you’re making domestic transfers or sending money internationally, Heritage Bank offers a variety of tools and options to make your transactions efficient and secure.

1. Online and Mobile App Convenience

Heritage Bank provides both online banking and a user-friendly mobile app, allowing you to transfer money from the comfort of your home or on the go. The online platform and app offer easy navigation, ensuring you can initiate transfers quickly and effortlessly.

2. Diverse Transfer Options

Whether you’re transferring funds within Heritage Bank or to accounts in other banks, you have multiple options. Internal transfers, external transfers, and over-the-counter services offer flexibility to suit your preferences and requirements.

3. International Money Transfers

Heritage Bank enables hassle-free international transfers. With access to SWIFT codes and IBAN numbers, you can send money across borders securely. The bank’s competitive fees and favorable conversion rates make international transactions cost-effective.

4. Real-Time Transaction Tracking

Once you initiate a transfer, Heritage Bank ensures that you’re updated on its progress. Through your online account or the mobile app, you can monitor the status of your transfer in real time.

5. Two-Factor Authentication

Security is a priority at Heritage Bank. The bank employs two-factor authentication, adding an extra layer of protection to your online and mobile app transactions. This verification process enhances the security of your account and transactions.

6. Over-the-Counter Services

For those who prefer face-to-face interactions, Heritage Bank branches offer over-the-counter services. You can visit a branch, complete a transfer form, and receive assistance from the bank’s staff to ensure a secure transaction.

7. Customer Support

Heritage Bank’s commitment to customer satisfaction extends to its dedicated customer support. If you encounter any issues during the transfer process, you can rely on their assistance to resolve problems promptly.

8. Secure Encryption and Data Protection

Your financial information is kept safe during every transfer. Heritage Bank utilizes robust encryption methods to protect your data from potential threats, ensuring your personal and financial details remain confidential.

9. Flexibility in Payment Methods

Heritage Bank allows you to choose from various payment methods, including bank transfers, wire transfers, and electronic funds transfers (EFT). This flexibility ensures that you can select the method that suits your needs best.

10. Competitive Transfer Fees

When transferring funds, cost-effectiveness matters. Heritage Bank offers competitive transfer fees, minimizing the costs associated with your transactions, both domestically and internationally.

11. Efficient Processing Times

Transfers with Heritage Bank are known for their efficiency. Whether you’re transferring money within the bank or to another financial institution, you can expect prompt processing times.

12. User-Friendly Interface

The online banking platform and mobile app boast an intuitive interface. Even if you’re not tech-savvy, you can easily navigate through the steps to initiate a transfer without any confusion.

13. Variety of Currencies Supported

For international transfers, Heritage Bank supports a wide range of currencies. This allows you to send money to various countries without worrying about currency conversion issues.

14. Transparency in Fees and Rates

Heritage Bank is committed to transparency. Before confirming your transfer, you’ll receive a clear breakdown of the fees and exchange rates associated with the transaction.

15. Convenient Recurring Transfers

If you need to make regular payments or transfers, Heritage Bank’s recurring transfer feature makes it easy to set up automated transfers on specific dates.

How To Easily Transfer Money from Heritage Bank

Heritage Bank has different channels that their customers can use to easily transfer money. These channels are easy to access and can be used anywhere you are. Below are ways to transfer money from Heritage bank:

Online Banking Services

Creating an Online Account

To begin transferring money with Heritage Bank, you need to create an online account. Visit the official website and navigate to the registration page. Provide your personal information, account details, and set up a secure password.

Logging In to Your Account

Once your online account is set up, you can log in using your credentials. This gives you access to your account dashboard, where you can manage your funds and initiate transfers.

Initiating a Fund Transfer

Internal Transfers

If you’re transferring money within Heritage Bank, the process is simple. Log in to your account, select the “Transfers” option, and choose “Internal Transfer.” Enter the recipient’s account details and the amount you wish to transfer. Review the information and confirm the transaction.

External Transfers

For transfers to accounts in other banks, select the “External Transfer” option. Enter the recipient’s bank details, including the bank’s name, account number, and routing number. Heritage Bank ensures a secure and swift transfer process.

Mobile App Convenience

Downloading the App

Heritage Bank offers a mobile app, providing you with the flexibility to transfer money on the go. Download the app from your device’s app store and log in using your online banking credentials.

Transferring Money via the App

Using the app, you can transfer money using the same steps outlined for online transfers. The app’s user-friendly interface makes it easy to send funds within minutes.

How to Transfer Money From Heritage Bank Using USSD Code

In addition to its online banking services and mobile app, Heritage Bank offers a quick and convenient way to transfer money using USSD codes. This method is especially useful when you don’t have access to the internet or a smartphone. With just a few simple steps, you can transfer funds from your Heritage Bank account to another account using the Heritage Bank USSD code:

  1. Dial the USSD Code: To initiate a transfer, pick up your mobile phone and dial the USSD code provided by Heritage Bank. Typically, the code is *745#.
  2. Select Transfer Option: After dialing the code, you will see a list of options on your screen. Choose the option that corresponds to funds transfer or interbank transfer.
  3. Enter Recipient’s Account Number: You will be prompted to enter the recipient’s account number. Carefully input the correct account number to ensure the funds are transferred to the right recipient.
  4. Confirm Recipient’s Bank: Following the account number, you’ll be asked to confirm the recipient’s bank. This is important for interbank transfers to ensure the money goes to the correct financial institution.
  5. Enter Transfer Amount: Input the amount you wish to transfer. Double-check the amount to avoid errors. USSD transfers typically have limits, so ensure your transaction is within the allowed range.
  6. Enter Your PIN: For security purposes, you’ll need to enter your USSD banking PIN. This PIN is different from your ATM PIN and is designed specifically for mobile banking transactions.
  7. Confirm Transaction: Review all the details of the transaction displayed on your screen. If everything is accurate, confirm the transaction.
  8. Transaction Successful: After confirming the transaction, you’ll receive a notification that the transfer was successful. You will also receive a text message with the transaction details.
How to Transfer Money From Heritage Bank Using an ATM

Transferring money from your Heritage Bank account to another account using an ATM is a straightforward process that offers convenience and flexibility. Whether you need to send funds to a family member, a friend, or a business associate, Heritage Bank’s ATM services make it easy to complete the transaction. Here’s a step-by-step guide on how to transfer money using an ATM:

  1. Visit a Heritage Bank ATM: Locate a Heritage Bank ATM nearest to you and insert your ATM card into the card slot.
  2. Enter Your PIN: When prompted, enter your Personal Identification Number (PIN) using the ATM keypad. Make sure to enter the correct PIN to proceed.
  3. Select “Transfer” Option: After entering your PIN, you will be presented with a menu of transaction options on the ATM screen. Select the “Transfer” option to begin the transfer process.
  4. Choose Account Type: If you have multiple accounts linked to your ATM card, you will be asked to choose the account from which you want to transfer funds. Select the appropriate account.
  5. Enter Recipient’s Account Number: You will then be prompted to enter the account number of the recipient to whom you want to transfer money. Carefully input the correct account number to ensure the funds are directed to the intended recipient.
  6. Confirm Recipient’s Bank: Following the account number, you may be asked to confirm the recipient’s bank. This is important for interbank transfers to ensure the money is routed correctly.
  7. Enter Transfer Amount: Input the amount you wish to transfer. Double-check the amount to avoid errors. Ensure that the amount you’re transferring is within your account balance.
  8. Review Transaction Details: The ATM will display a summary of the transaction details, including the recipient’s account number, transfer amount, and any associated fees. Review the information to ensure its accuracy.
  9. Confirm Transaction: If all the details are correct, confirm the transaction. Some ATMs may require you to press “OK” or “Yes” to proceed.
  10. Collect Receipt: After confirming the transaction, the ATM will process the transfer and provide you with a printed receipt. The receipt will include the transaction reference number and other relevant information.
  11. Transaction Completed: You will receive a message on the ATM screen indicating that the transfer has been successfully completed. You can choose to perform additional transactions or end the session.
Over-the-Counter Transactions

For those who prefer in-person transactions, Heritage Bank branches offer over-the-counter services. Visit your nearest branch, fill out a transfer form, and present valid identification. The bank’s staff will assist you in completing the transaction securely.

International Money Transfers

SWIFT Codes and IBAN Numbers

When transferring money internationally, you’ll need the recipient’s bank’s SWIFT code and IBAN number. These codes ensure the funds reach the correct account.

Transfer Fees and Conversion Rates

Heritage Bank offers competitive transfer fees and favorable conversion rates for international transfers. This ensures that your recipient receives the intended amount without excessive deductions.

Safety Measures for Secure Transactions

When it comes to modern banking, ensuring the security of your financial transactions is paramount. Heritage Bank places a strong emphasis on safeguarding your personal and financial information during every transaction. By following these safety measures, you can enjoy peace of mind while conducting secure transactions:

1. Keep Your Credentials Confidential:

Your login credentials, such as usernames, passwords, and PINs, should be kept strictly confidential. Avoid sharing this information with anyone, including friends and family. Heritage Bank will never ask you to share your sensitive information via email, phone calls, or messages.

2. Regularly Update Passwords:

Change your online banking passwords and PINs regularly. Use strong and unique combinations that include a mix of letters, numbers, and symbols. Avoid using easily guessable information such as birthdates or names.

3. Enable Two-Factor Authentication (2FA):

Heritage Bank offers the option of enabling two-factor authentication for an additional layer of security. This usually involves receiving a verification code on your mobile device when logging in or performing transactions. It prevents unauthorized access even if someone has your password.

4. Secure Devices and Networks:

Ensure that the devices you use for banking transactions, such as computers, smartphones, and tablets, are protected with up-to-date security software. Avoid conducting transactions on public Wi-Fi networks, as they may not be secure.

5. Verify Website URLs:

When accessing Heritage Bank’s online banking platform, make sure the URL begins with “https://” instead of “http://”. The “s” indicates a secure connection, and you’ll often see a padlock icon in the address bar.

6. Be Cautious of Emails and Links:

Beware of phishing emails that try to deceive you into revealing personal information or clicking on malicious links. Always verify the sender’s email address and avoid clicking on links from unsolicited emails.

7. Use Official Apps:

When using the Heritage Bank mobile app, make sure you’re downloading it from the official app store. Avoid third-party app sources, as they might offer fraudulent versions that compromise your security.

8. Review Account Activity:

Regularly review your account statements and transaction history. If you notice any unfamiliar or suspicious transactions, contact Heritage Bank’s customer support immediately.

9. Sign Out After Transactions:

Always log out of your online banking session or app after completing your transactions. This prevents unauthorized access if someone gains physical access to your device.

10. Avoid Public Computers:

Refrain from conducting sensitive banking transactions on public computers, as they may have malware or other security vulnerabilities that could compromise your information.

11. Monitor Communication Channels:

Heritage Bank primarily communicates through secure channels. If you receive unsolicited communication asking for personal information, contact the bank through official channels to verify its authenticity.

12. Educate Yourself:

Stay informed about common scams, fraud tactics, and cybersecurity best practices. The more you know, the better you can protect yourself from potential threats.

By implementing these safety measures, you can significantly reduce the risk of unauthorized access, fraud, and other security breaches while conducting transactions with Heritage Bank. Remember that your financial security is a priority, and Heritage Bank is committed to providing a secure and reliable banking experience.


1. Is online banking registration free?

Yes, creating an online account with Heritage Bank is free of charge.

2. Can I cancel a transfer after it’s initiated? In some cases, you may be able to cancel a transfer if the processing hasn’t begun. Contact customer support for assistance.

3. Are there limits on international transfers? Yes, Heritage Bank has set limits on the amount you can transfer internationally. Check the bank’s website for detailed information.

4. How long do internal transfers usually take to reflect? Internal transfers within Heritage Bank typically reflect within a few hours to one business day.

5. What should I do if I encounter an issue with the mobile app? If you face any issues with the mobile app, you can reach out to Heritage Bank’s technical support for guidance.


Transferring money from Heritage Bank is a straightforward and secure process, offering various options to suit your needs. Whether you prefer online transactions, mobile app convenience, or over-the-counter services, Heritage Bank ensures a seamless experience with its focus on customer satisfaction and security.

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