Skip to main content

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

Open an account online or

Compare our rates

Information sourced from on 15/06/2021. 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?

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!
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 - 2020

Heartland Bank 2018 - 2020 Canstar Savings Bank Award Heartland Bank 2018 - 2020 Canstar Savings Account Outstanding value Award

We are proud to have won Canstar's Bank of the Year - Savings Award for three 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