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.

Compare our rates

1.60

Heartland

0.90

TSB

0.75

Co-operative

0.75

Rabobank

0.25

SBS

0.05

ANZ

0.10

ASB

0.10

BNZ

0.05

Westpac

Information sourced from interest.co.nz on 23/01/2020. 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 - 2019

We are proud to have won Canstar's Bank of the Year - Savings Award for two years in a row. 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 set up or on-going fees

Interest earned on every dollar

Get started

3 ways to invest

Online

Complete the easy online application anytime, anywhere.

Send

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

Phone

Call us today on
0800 85 20 20

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?

BBB

(Outlook Stable) Credit Rating from Fitch Ratings

100%

for New Zealand

years' experience managing Kiwis' money

Questions? We have answers

Can I open an account online?

You can apply or enquire for a YouChoose, Direct Call, Business Call and Term Deposit online. Once you’ve submitted your request online, a consultant from our Retail Investments team will contact you to finalise the details for your new account.

Is my deposit Government guaranteed?

No, the New Zealand Government does not guarantee deposits made by customers with any of the banks in New Zealand.

What is Heartland Bank’s credit rating?

Heartland’s most recent credit rating (November 2018) is BBB (Outlook Stable) from Fitch Ratings. A rating of BBB from Fitch Ratings is ‘investment grade’. You can read more about our rating here.

For a Heartland Saver account is interest paid even if you withdraw before the end of the month?

Yes, Interest is calculated daily and paid out at the end of each month. This means you get interest for everyday the funds are in the account during that month.

Is Heartland a finance company?

No, Heartland Bank became a registered bank in December 2012. We were the first New Zealand registered bank to be listed on the NZX Main Board.

Do I have to come into a retail office to open an account or deposit funds?

No, you don’t need to visit a retail office. All banking activities can be done online and over the phone.

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.

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.