Direct Call Account

Flexibility and a great rate

Want a great rate plus instant access to your money? Our Canstar 5 Star award winning Direct Call Account gives you the best of both worlds.

Compare our rates

Direct Call Account

% p.a.
Unlimited withdrawals. No fees. No minimum investment.
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Start your application

Rates are subject to change without notice.

Compare our rates


Information sourced from on 15/02/2019. 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.

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Savings Bank Award 2018

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

Heartland's Direct Call Account offers:

Unlimited withdrawals to one nominated account
No fees
Interest earned on every dollar
Get Started

3 ways to invest


Complete the easy online application anytime, anywhere.


Fill out an application form and email to [email protected] or post to: Retail Investments Team, PO Box 9919, Newmarket, Auckland 1149


Call us today on
0800 85 20 20

Start your application

Rates are subject to change without notice.

Our other savings accounts

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:

Heartland Saver
  • Withdraw money from your Heartland Saver account at any time
  • Interest calculated daily and paid monthly
  • Call us today on 0800 85 20 20
Heartland Savings Optimiser
  • Interest calculated daily and paid monthly
  • No penalties when you give 30 days' notice of withdrawals
  • Call us today on 0800 85 20 20
View all rates

Why choose Heartland?


(Outlook Stable) Credit Rating from Fitch Ratings


for New Zealand


years' experience managing Kiwis' money

Questions? We have answers

Yes, you read it right. There are no fees or penalties, with unlimited withdrawals on transactions but limited to one nominated account.
A nominated account is the one account you nominate for withdrawals out of the Direct Call Account. This can be any New Zealand Bank account inside or outside of Heartland Bank.
There are no penalties for withdrawing funds to your nominated account, and no fees.
When setting up your Direct Call Account you’ll choose a nominated account. This will be the one account you can withdraw funds to. It can be another Heartland account, or an account with another bank. Transfers from your Direct Call Account to your nominated account take one business day (Monday to Friday, not including public holidays) 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.
Yes, a nominated account can be an account with Heartland or another bank.

View our Heartland Account & Service fee guide

View Service Fee Guide

Read our Credit Rating and find out how it relates to you

View Credit Rating

Go to our Documents and Forms page to view and download

View Documents & Forms

Summary of Terms & Conditions for our investment accounts

View Terms & Conditions

Can't find what you're looking for?

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

Contact us

Talk to our friendly staff about the right option for you, or click here for a copy of our latest Disclosure Statement, brochures, product fact sheets and application forms.
Rates are subject to change. Terms and conditions are available here.