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We’ve got your best interests at heart

No matter what you’re saving for, our Direct Call Account offers a competitive rate for a ‘no strings attached’ savings account.

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Ready to get started?

Open an account in minutes and earn 4.60% p.a. interest on your savings.

Click below to apply online


How to open an account

  1. Start the online application – you will need a few things handy.*
  2. Verify your identity through biometrics.
  3. Answer tax questions and choose a nominated account.
  4. We will either refer you to our team, or open your account!
*You’ll need your NZ passport or driver license, smartphone to verify your identity, tax details and nominated account number

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.

Got questions?

Yes, you read it right – and there are no fees or penalties either.
There are no penalties and no fees for withdrawing funds from your Direct Call Account.
When setting up your Direct Call Account you can choose to set up a nominated account – this can be another Heartland account, or an account with another bank. Your nominated account is useful when making large transfers (up to $1 million), though you can also make transfers of up to $2,000 to non-nominated accounts. Transfers take one business day to clear (Monday to Friday, not including public holidays).
There are no monthly fees or transaction fees.
There are no minimum contribution requirements.
There is no minimum deposit required to open a Direct Call Account.
Yes, you can open a Direct Call Account without any other Heartland account.
Yes, a nominated account can be an account with Heartland or another bank.

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:

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