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Snap up a market leading 5.00% p.a. on call savings rate in minutes*

  • No minimum monthly deposit or monthly fees
  • 5.00% p.a. interest earned on every dollar
  • No fees for digital self-service withdrawals until 2024
  • Open an account in minutes

* Market leading interest rate offered by a bank for an on call account with a single applicable interest rate (i.e. no bonus or premium rate).
Ready to get started?
Open an account in minutes and earn
interest on your savings.

Savings Bank Award 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.

Get your savings on track and be in the draw to win 1 of 5 prizes of $5000 when you open a Heartland Digital Saver.

Terms and conditions apply. See here for more details.
Take control of your banking online
Open accounts, view transactions, generate statements and more.

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.
12 month term




Minimum investment $1,000.

Find out more


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




No minimum investment, fees or costs.

Find out more


Get great interest and access your funds with just 32 days’ notice.




32 day withdrawal period. Variable rate.

Find out more

Got questions?

The Heartland Digital Saver has been designed for personal banking 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.
In 2023 there will be no fees applied to digital self-service withdrawals made from your Digital Saver Account. From 2024 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.
Yes, a nominated account can be an account with Heartland or another bank.
No, you can only open one Digital Saver Account per customer.
No, you can only open a Digital Saver Account as an individual.
There are no minimum contribution requirements.

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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