Savings Accounts

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.

Apply online View our rates
top pick
Direct Call Account
On call
interest paid monthly
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Compare our rates

2.75% p.a.
0.10% p.a.
0.20% p.a.
0.10% p.a.
0.10% p.a.

Information sourced from on 22/01/18. 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.

Apply now

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 or post to: Investments Team, PO Box 9919, Newmarket, Auckland 1149


Call us today on
0800 85 20 20

Start your Direct Call Account application

Flexible, funds on call
2.75% p.a.

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 Savings 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 Kiwi's money

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.