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Notice the savings

32 Day Notice Saver
90 Day Notice Saver

How to open an account


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


Verify your identity through biometrics.


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

22 Jun 2024 22 Jun 2024
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Canstar's Savings Bank of the Year 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.

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:


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




No minimum investment or monthly fees.

Find out more


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




Minimum investment $1,000.

Find out more


A ‘no strings attached’ savings account with a competitive interest rate.




No minimum investment, fees or costs.

Find out more

Got questions?

You can deposit funds directly into your account from any New Zealand bank account by entering your Notice Saver account number, or you can transfer funds from another Heartland Bank account.
When you’re ready to access the funds in your Notice Saver account, simply open the ‘Make a payment’ screen in the Heartland Mobile App (or Heartland Digital) and complete the details required. It will automatically select a date 32 or 90 days in the future, depending on which rate you’ve chosen. If this falls on a weekend or a public holiday, the payment will be made on the following business day.
Yes, you can choose to withdraw any amount to your nominated account, as long as you give us your chosen 32 or 90 days’ notice. There’s no limit to the amount of withdrawals you can make from your Notice Saver account, provided the notice period is met each time.
There are no set-up, transaction or maintenance fees.

If Heartland agrees to a request for early withdrawal from a Notice Saver account, an Early Withdrawal Fee will be payable on the total funds withdrawn, subject to a minimum fee of $12.00.
Depending on the account type, customers are required to provide either 32 or 90-days’ notice for every withdrawal. Heartland may agree to a withdrawal request without the required notice in certain circumstances, such as the death of the customer or unforeseen financial hardship, but is not required to do so.

If Heartland agrees to such a request, an Early Withdrawal Fee is payable on the total funds withdrawn, subject to a minimum fee of $12.00.
The Early Withdrawal Fee is calculated by multiplying the ‘early withdrawal adjustment rate’ by the amount to be withdrawn and the number of days remaining on the notice period, subject to a minimum charge of $12.00.

The ‘early withdrawal adjustment rate’ is the difference between your Notice Saver account’s interest rate and the Direct Call interest rate, as at the date of the early withdrawal request, plus an additional 1%.

For example:

Early withdrawal adjustment rate = (Notice Saver rate - Direct Call rate) + 1%

Early withdrawal fee = Amount to be withdrawn x (‘early withdrawal adjustment rate’ ÷ 365) x Days remaining on notice period

Subject to a minimum fee of $12.00
There is no limit on the number of Notice Saver accounts you can have, but there is a limit of $5 million per customer that can be held across all Notice Saver accounts.
No, interest can only be credited to the Notice Saver account. Payments out of the account require 32 or 90 days’ notice and can only be made to your nominated account. If you’d like to change your nominated account, please contact our team on 0800 85 20 20.
Yes, you can.
No, it is not.
Interest is calculated daily and paid monthly. You are able to provide notice for any available funds, including interest that has been paid, but you can’t give notice for accrued interest that hasn’t yet been paid (monthly) to your account.
No, get in touch with our team and we will be happy to help you move your funds into a Term Deposit immediately.

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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