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How to open an account?


Click on ‘Open an account’ and complete our online application.


Verify your identity through biometrics.


Your account will be opened and ready for you to start saving.

20 May 2024 20 May 2024
Take control of your banking online
Open accounts, view transactions, generate statements and more.

Canstar's Savings Bank of the Year 2018 - 2023

We are very proud to be awarded Canstar's Bank of the Year – Savings for the sixth consecutive year! This achievement is awarded to the institution that provides the strongest combination of products, accounting for the price positioning, features, savings tools and flexibility of the products assessed within Canstar’s Savings Account Star Ratings profiles, as well as supporting savers through a competitive Term Deposit offering.

Looking for something else?

Heartland Bank savings accounts are a great way to put aside your money and save for your goals. Here are a few options:


Competitive rates and flexible investment terms to suit your needs.
5 month term




Minimum investment $1,000.

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A ‘no strings attached’ savings account with a competitive interest rate.




No minimum investment, fees or costs.

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Great interest rate with the flexibility to access your funds with 32 days’ notice.




32 day withdrawal period. Variable rate.

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Great interest rate with the flexibility to access your funds with 90 days’ notice.




90 day withdrawal period. Variable rate.

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Got questions?

The Heartland Digital Saver has been designed for customers who are after a competitive interest rate that is accessible via self-service digital tools. Fees are charged on all staff-assisted withdrawals, and therefore the account is better suited to customers who are able to self-service through the Heartland Mobile App and Heartland Digital.
Account holders can perform one digital self-service withdrawal a month with no fee. Each additional self-service withdrawal made beyond that will incur a $4 fee. All staff-assisted withdrawals will incur a $10 fee. The interest rate on the account is not reduced, no matter how many withdrawals you make. Refer to our Account and Service Fee Guide for more information about the fees.
A staff-assisted withdrawal is when a Heartland staff member is asked to assist with a transfer or withdrawal that is able to be performed via a self-service digital platform (including the Heartland Mobile App and Heartland Digital). Please note that a staff member will inform you before you are charged this fee.
You can manage your Digital Saver Account via our self-service platforms (including the Heartland Mobile App and Heartland Digital) including:
  • View your balance
  • Generate and download statements
  • Make payments to a nominated account
  • Set up automatic payments and transfers
For more useful tips check out our mobile app how-to-guides here.
There is no minimum requirement to open a Digital Saver Account.
Yes, you can open a Digital Saver Account without any other Heartland account.
A nominated account is one dedicated account of your choice that provides safety when making withdrawals. Once it is set up, any withdrawals from your Digital Saver account will go into this chosen account.
Yes, a nominated account can be an account with Heartland or another bank.
Yes, but you can only open one individual Digital Saver Account and one joint Digital Saver Account per customer. Additional Digital Saver Accounts may also be opened under entities such as companies or trusts.
Yes, you can open a Digital Saver account as a trust or a business by following the steps below.

If your trust or business is already a Heartland customer, you can open your new Digital Saver account in seconds through the Heartland Mobile App.

If your trust or business is new to Heartland, submit your application under the name of your trust or business by clicking ‘here’. Our team will contact you to collect documents related to your trust or business to finalise your account.
There are no minimum contribution requirements.
Heartland Bank’s current Disclosure Statement, Product Fact Sheets, Account and Service General Terms and Conditions and Account and Service Fee Guide are available here.

Can't find what you're looking for?

We have a great team standing by to answer any of your investment questions.

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