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DIRECT CALL ACCOUNT

We’ve got your best interests at heart

2.55
%
p.a.

Why choose a Direct Call Account?

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

  • Accessible through our mobile app

  • Interest earned on every dollar

  • Fee-free payments to any NZ bank account

  • No minimum monthly deposit or account fees

How to open an account?

1

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

2

Verify your identity through biometrics.

3

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

18 Jul 2025 18 Jul 2025
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Canstar's Savings Bank of the Year 2018 - 2024

Heartland Bank 2018 - 2022 Canstar Savings Bank Award Heartland Bank 2018 - 2022 Canstar Savings Account Outstanding Value award

We are very proud to be awarded Canstar's Bank of the Year – Savings for the seventh 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:

DIGITAL SAVER

A call account that allows easy access to manage funds while boosting your savings.

3.00

%

p.a.

No minimum investment or monthly fees.

Find out more

90 DAY NOTICE SAVER

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

3.50

%

p.a.

90 day withdrawal period. Variable rate.

Find out more

TERM DEPOSITS

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

3.90

%

p.a.

Minimum investment $1,000.

Find out more

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 day to clear.
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.
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 Direct Call Account will go into this chosen account.
Yes, a nominated account can be an account with Heartland or another bank.
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.

Our Direct Call account is DCS-protected.

The Depositor Compensation Scheme (DCS) covers eligible depositors up to $100,000 held in DCS-protected accounts. Find out more.

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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