Skip to main content

Our offices are closed during Alert Level 4. If you need financial support, please see our COVID-19 page.

DIRECT CALL ACCOUNT

We’ve got your best interests at heart

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

View more rates
Ready to get started?

Open an account in minutes and earn 0.50% p.a. interest on your savings.

Click below to apply online

or

download and apply in-app

Compare our rates

0.50
Heartland
0.25
TSB
0.10
Co-operative
0.35
Rabobank
0.05
SBS
0.05
ANZ
0.05
ASB
0.05
BNZ
0.05
Westpac
Information sourced from interest.co.nz on 17/09/2021. 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.

Why choose a Direct Call Account?

  • Withdrawals to any NZ bank account

    Withdrawals to any NZ bank account

  • No fees, no minimum balance required

    No fees, no minimum balance required

  • Interest earned on every dollar

    Interest earned on every dollar

  • Simple savings account with no strings attached

    Simple savings account with no strings attached

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 - 2021

Heartland Bank 2018 - 2021 Canstar Savings Bank Award Heartland Bank 2018 - 2021 Canstar Savings Account Outstanding Value award

We are proud to have won Canstar's Bank of the Year - Savings Award for four years in a row. This award recognises the institution that provides the strongest combination of products and services for savers in New Zealand.

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:

Can't find what you're looking for?

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

Contact us