Which savings rate would you choose?

Heartland Bank’s Direct Call Account offers you a market leading rate and the flexibility to withdraw funds when it suits you.

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Information sourced from interest.co.nz on 14/02/18. Comparisons shown are products with features closest to Heartland's Direct Call Account i.e. on call (no notice period), no minimum deposit, no bonus criteria, no fees and unlimited withdrawals.

Savings and Deposits


Our award winning savings accounts and other deposit options give you a whole range of ways to make your money grow, with some interest rates among the market leaders.

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Reverse Mortgages

Seniors Finance

No need to look any further than your own home for a more comfortable retirement. With a reverse mortgage from Heartland you could borrow against the value in your home to provide you with fixed monthly payments to boost your income without having to sell up and move. See if it’s right for you.

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Business Loans

Open for Business

Whether you’re looking to start up a business, borrow working capital, finance a franchise, or buy plant and equipment, a small business loan could help your company grow. Short on time? You’ll love our quick and easy application process.

Grow your business

Personal Loans

Open for You

With our rates starting from just 9.75% p.a. there's no need to wait. Either roll all your debts into one easy to manage loan, or dream big about that new kitchen or trip of a lifetime. Why wait... apply in minutes and get a decision in seconds.

Make it happen

Livestock Loans

Open for Livestock

Want to make the most of seasonal opportunities? Our livestock finance loans, are perfect for busy NZ farmers who want a quick and easy application process. Spend less time on paperwork and more time doing what you do best – running your farm.

Finance your livestock

Why choose Heartland?


customers we have helped on their journey


for New Zealand


years' experience managing Kiwi's money

From our customers

“The whole process was pleasant and convenient. A key point of difference was that it didn’t need to be secured against a property. In my experience, versatility, simplicity and customer experience are of utmost importance – it’s great to work with a bank that seems to hold those same values.” - Amber Fowler Owner,
Just the Ticket Limited
“We would recommend both the product and the process. It was quick and simple. With the Heartland Open for Livestock loan, we could buy stock from whoever we wanted and that’s what secured us such a good deal.” - Leen Dekker Ashburton Farmer
“Family businesses are complicated in general and ours was no different. Heartland Bank put together such a good package – specifically customised to suit our situation – that it was a ‘no brainer’ to switch to them.” - Anthony Rooney Owner,
Abbotts Drainage Limited

Like to get in touch?

Find out how Heartland Bank can make it happen for you.

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*Savings and Deposits rates are subject to change. Terms and conditions are available here.