ForexQ.com
FINANCIAL INSTITUTION INFORMATION PLATFORM

Review verifiable information about forex brokers, banks, fintechs, crypto exchanges and payment providers in one place.

Verify with the source.Wherever possible, information is matched against official registers and primary sources.
When was it checked?We clearly show when each critical piece of data was last checked.
Know the type of information.We classify user complaints, company statements and official records separately.
RECENTLY ADDED

Recently Added Institutions

The latest institution profiles added to ForexQ.com.

BANKE.SUN Bank Sydney Branch

The Sydney branch, opened in 2016, of Taiwan's E.SUN Bank, founded in 1992 and owned by E.SUN Financial Holding; the bank has also run a Brisbane branch since 2018 and holds an ASIC AFS licence.

Open profile →
BANKLand Bank of Taiwan Brisbane Branch

The Brisbane branch of Land Bank of Taiwan, a Taiwanese bank founded in 1946 that specialises in real estate finance; its ASIC AFS licence covers wholesale clients only.

Open profile →
BANKTaishin Bank Brisbane Branch

The Brisbane branch, opened on 31 July 2017, of Taiwan's Taishin International Bank, which began operating in 1992; it offers deposits, corporate lending, trade finance and foreign exchange, and holds an ASIC AFS licence.

Open profile →
BANKTaiwan Business Bank Sydney Branch

The Sydney branch of Taiwan Business Bank (TBB), a Taiwanese bank focused on SME finance that also has a Brisbane branch in Australia; it offers deposits, loans, trade finance and remittances, and holds an ASIC AFS licence.

Open profile →
BANKTaiwan Cooperative Bank Sydney Branch

The Sydney branch, opened on 20 September 2011, of Taiwan Cooperative Bank, founded in 1946 and owned by Taiwan Cooperative Financial Holding; it offers deposits, loans, trade and remittance services and acts as the bank's AUD clearing bank.

Open profile →
PAYMENT INSTITUTIONTravelex

The Australian arm of the global foreign exchange brand Travelex, whose roots go back to a first store opened in London in 1976; it sells foreign cash and the multi-currency Travelex Money Card through airport and store networks and holds an ASIC AFS licence.

Open profile →
HOW IT WORKS

See the level of evidence
on every institution profile.

Instead of ratings, we show the data, its source and its verification status.

  1. 01Data
  2. 02Source
  3. 03Verification
A

Sample Financial Institution

Broker · United Kingdom

Last checked: 23.09.2026
REGULATIONOfficial record verified

The licence number and scope are matched directly against the regulator’s source.

● Official source
USER FEEDBACKRecurring topics

Topics such as withdrawals, support and trading conditions are grouped by period.

● Verified platform record
COMPANY STATEMENTData disclosed by the company

The company’s own statements are shown separately from independent verification.

● Statement
← Home

People First Bank

Bank · Australia

About the company

Legal company nameHeritage and People's Choice Ltd (People First Bank, Heritage Bank, People's Choice Credit Union)
Year founded—
Headquarters / registered countryToowoomba, Australia
Websitewww.peoplefirstbank.com.au
Last checked09.10.2026

According to its official website, People First Bank is a trading name of Heritage and People's Choice Ltd; Heritage Bank and People's Choice Credit Union are also trading names of the same company. Heritage Bank and People's Choice merged in March 2023 to create one of Australia's largest customer-owned banks, and the People First Bank brand officially launched on 5 May 2026. During the transition the Heritage Bank brand and the heritage.com.au website continue to serve customers through branches in Queensland and New South Wales; the site says the People's Choice branches and the Toowoomba head office moved to the new brand in 2025. Heritage's origins go back to the Toowoomba Permanent Building Society, established in 1875. The bank stresses that it is 100% customer-owned; its products include home and personal loans, savings accounts including Dream Fund, term deposits from 1,000 AUD and transaction accounts. This information is the company's own statement.

Account Details

ACCOUNT TYPESTransaction account · Savings accounts (including Dream Fund) · Term deposit
MIN. DEPOSIT1,000 AUD (Heritage Bank term deposit)
PLATFORMSPeople First Bank and Heritage apps · Internet banking · Branches · 24/7 contact centre
PRODUCTSAccounts and term deposits · Home loans · Personal loans · Insurance arranging

Licences and regulation

ASIC (Australia)

Licence no.AFSL 244310
Licence holderHERITAGE AND PEOPLE'S CHOICE LIMITED
ScopeAFS licence held since 10 Mar 2004. According to ASIC's record, authorised for deposit products, non-cash payment products, insurance, managed investment schemes, standard margin lending and superannuation for retail and wholesale clients; derivatives and securities are wholesale only.
StatusVerified

User complaints

User reports found online are classified by topic. The charts show how reports are distributed; the reports are compiled from records on platforms that verify users and screen out fake reviews.

Period reviewed: December 2024 – October 2026

  • Customer support: 4
  • Account / trading conditions: 1
  • Withdrawal / payment: 1
  • Identity verification: 1

LOW — COMPLAINT LEVEL

74% of institutions with complaint records received more complaints than this one.

BY TOPIC — Customer support: Medium · Account / trading conditions: Low · Withdrawal / payment: Low · Identity verification: Medium

SOURCES REVIEWED

The complaint distribution is based on the 1-star reviews on the Heritage Bank (heritage.com.au) Trustpilot page (7) as of 9 October 2026; one person's reviews count once, and records about fake sites and third parties using the People First Bank and Heritage names are left out. Across the complaints, long waits to reach the call centre, an account closed without explanation and an account locked over identity verification stand out.

Sources and verification history

Official company sourcespeoplefirstbank.com.au — homepage, footer; heritage.com.au — homepage, About, Merger, Term deposits pages
Regulator recordsASIC — HERITAGE AND PEOPLE'S CHOICE LIMITED, AFSL 244310 (AFS licensee dataset, data.gov.au, 7 Oct 2026)
Company registerABN 11 087 651 125 (ABN Lookup)
User feedback sourcesTrustpilot · Şikayetvar · WikiFX
Last verified09.10.2026

File a Complaint