Savings and Deposits

What can we help you save for?

Rainy day or retirement? Income or growth? Whatever you’re saving for, and whatever kind of saver you are, we’re here to put your money to work.

Apply online View rates

Start your application

Flexible, funds on call
2.75% p.a.

Rates are subject to change without notice.

Start your application

Flexible, funds on call
2.75% p.a.

Rates are subject to change without notice.

3 ways to invest


Complete the easy online application anytime, anywhere.


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


Call us today on
0800 85 20 20

Why choose Heartland?


(Outlook Stable) Credit Rating from Fitch Ratings


for New Zealand


years' experience managing Kiwi's money

Questions? We have answers

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.
Heartland’s most recent credit rating (October 2017) is BBB - Good credit quality (Outlook Stable) from Fitch Ratings. A rating of BBB from Fitch Ratings is ‘investment grade’. You can read more about our rating here.
No, the New Zealand Government does not guarantee deposits made by customers with any of the banks in New Zealand.
You can apply or enquire for a Direct Call, Business Call and Term Deposit online. Once you’ve submitted your request online, a consultant from our Invest Direct team will contact you to finalise the details for your new account.

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

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.

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.