Everyday spending combined with everyday savings

YouChoose is the everyday account that rewards you with 0.50% interest p.a. on every dollar in the bank. No minimum deposit, no setup or monthly fees, and no limit on transactions. Apply online or in the Heartland Mobile App.

Start your savings journey here

Applying online is easy as – and you don’t need
any money to start.

Interested in an overdraft? Learn more.

Rates, fees and T&Cs apply.

Treat yourself with YouChoose

Save a little easier with YouChoose – the account that lets you earn interest, no matter your savings balance. Plus, you won’t get pinged with any setup or monthly fees.

Need to spend a little more? You can add on an overdraft to help you manage unexpected costs, like when the car breaks down or your favourite band goes on tour. Did we mention applying online is easy as?

Start your savings journey here

Applying online is easy as – and you don’t need
any money to start.

Interested in an overdraft? Learn more.

Rates, fees and T&Cs apply.

0.50% p.a.
interest

No setup
or monthly fees

Optional
overdraft

$0 to
start

Talk me through the process

Apply online

Applying online is easy, you can start with $0, and it only takes minutes – even if you want to add on an overdraft.

Verify your
identity

Confirm you are who you say you are with our clever facial recognition technology.

Start earning
interest

Once that’s done, your account will be opened and ready for you to start saving (or spending).

Apply online

Applying online is easy, you can start with $0, and it only takes minutes – even if you want to add on an overdraft.

Verify your identity

Confirm you are who you say you are with our clever facial recognition technology.

Start earning interest

Once that’s done, your account will be opened and ready for you to start saving (or spending).

As featured in:

Take charge of your cash

Manage your money the way you choose with your YouChoose EFTPOS card and the Heartland Mobile App. With the Heartland Mobile App you can check your balance and transaction history, and watch your savings grow from your fingertips. You can also use the app to pay for your Online EFTPOS purchases or set up automatic payments to manage pesky bills (or make payments to other accounts).

We’re always improving the app, so let us know what you think and check out The List to keep up with what we’re working on next.

Get it on Google Play

Requires Android 5.1 or later.

Available on the App Store

Requires iOS 11 or later.

App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Google Play and the Google Play logo are trademarks of Google LLC.

Welcome to banking differently

We aim to make managing your money faster and simpler, so you can get on with life.

YouChoose is provided by Heartland Bank, which is 100% Kiwi operated and managed. We’re a small, agile team who aren’t afraid to be ambitious, and we’re continually improving our digital platforms to give you a better banking experience.

Welcome to doing things differently. Get to know us a little better.

Got questions?

What are the rates, fees and terms?

Check out our full fee schedule, rates and terms.

How do I get a card?

We will order you a card, it will take one to two weeks to arrive, but don’t fear we’ll deliver your card straight to your door. You won’t even need to change out of your PJs.

Can I shop online?

With Online EFTPOS you can purchase some of the things you desire online without the plastic. There are 100s of clever retailers who already have Online EFTPOS, with more joining the revolution all the time. Just look out for Online EFTPOS when you’re at the checkout.

Have more questions? Check out our FAQs page.