Introducing
a new kind of Heartland account.

YouChoose allows you the choice to save when you want by earning interest on a positive balance, and spend when you can with a low overdraft rate.

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Earn 2% p.a. interest

Low 10% p.a. overdraft rate

Lending criteria, rates, fees & terms apply.

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Heartland Bank Savings and Deposits Chart

Investments

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.

Grow your money
Heartland Bank Savings and Deposits Chart

Seniors Finance

Reverse Mortgages

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.

Find out more

Open for Business

Business Loans

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

Open for Livestock

Livestock Loans

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?

25,000+

Customers we have helped on their journey

100%

for New Zealand

10

years' experience managing Kiwis' money

From our customers

Heartland Bank Just the Ticket Customer Testimonial
“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
Heartland Bank Customer Testimonial
“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
Heartland Bank Abbotts Drainage Customer Testimonial
“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.

Contact us