Banking with purpose.

We're not like the major banks, we are 100% member-owned, 100% purpose-driven.

Every Hiver contributes so much to society and they deserve a bank that makes a positive social impact.

Social responsibility drives everything we do; our business practices, our people and our products. It's built in, not bolted on.

We are a globally recognised ethical company. We are a leader in ethical investment. We always act for people, for community and for society. We don’t lend to or invest in sectors that harm our society or our world, such as fossil fuels or tobacco.

Joining Hiver means you can align your money with your values.



1 Hiver is a division of Teachers Mutual Bank Limited. You can find out more about the Finder Green Awards here: Australia’s leaders in sustainability revealed.

2 Hiver is a division of Teachers Mutual Bank Limited, a Certified B Corp. You can find more information about our B Corp Certification and Impact Assessment by viewing Teachers Mutual Bank Limited’s public profile on the B Corp website.

3 For more information visit

4 Wholesale DIP, Short Term Deposits and Retail mortgages and deposits have been certified by RIAA according to the strict operational and disclosure practices required under the Responsible Investment Certification Program. See for details. The Responsible Investment Certification Program does not constitute financial product advice. Neither the Certificate Symbol nor RIAA recommends to any person that any financial product is a suitable investment or that returns are guaranteed. Appropriate professional advice should be sought prior to making an investment decision. RIAA does not hold an Australian Financial Services Licence.

5 Hiver members will earn 5% cash back for every dollar spent (less refunds and excluding cash advances, cash withdrawals, other cash-related transactions, interest charges, fees, credit or debit adjustments) on the following categories: Grocery purchases (classified by Visa's 'Merchant Category Code' as 'grocery stores and supermarkets' MCC 5411; 'Freezer and Locker Meat Provisioners' - MCC 5422; 'Candy, Nut and Confectionery Stores' - MCC 5441; 'Dairy Products Stores' - MCC 5451; 'Bakeries' - MCC 5462; 'Miscellaneous Food Stores - Convenience Stores and Specialty Markets' - MCC 5499), Public transport (classified by Visa's 'Merchant Category Code' as 'commuter transport and ferries' - MCC 4111; 'passenger railways' - MCC 4112; 'bus lines' - MCC 4131), Bills (classified by Visa's 'Merchant Category Code' as 'Telecommunication Services' - MCC 4814; 'Utilities' - MCC 4900), Uniforms (classified by Visa's 'Merchant Category Code' as 'Uniforms, Commercial Clothing' - MCC 5137; 'Commercial Footwear' - MCC 5139) up to a maximum of $250 per calendar year. Cash back will be deposited into the member’s Everyday account in the first five business days of a new month. This offer may be withdrawn or changed without notice.

6 Other special services fees apply. See Hiver fees and charges brochure.