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Watch your money do more than sit there.
Those who save get a 0.50% p.a. interest rate those who ...err overspend get a 10% p.a. overdraft rate. Unlimited transactions. No setup or monthly fees.

Your world, your oyster. You Choose.
Get a 10% p.a. overdraft rate for when you want it now or a 0.50% p.a. interest rate for savings. Unlimited transactions. No setup or monthly fees.

Everyday spending combined with everyday savings

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

Man celebrating at a festival. With a YouChoose account you can afford to celebrate with interest earned and an overdraft facility.

Start your savings journey here

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

Subject to credit check, Heartland's responsible lending criteria, terms, conditions and fees.

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.

Start your savings journey here

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

Subject to credit check, Heartland's responsible lending criteria, terms, conditions and fees.

0.50% p.a.
interest

No setup
or monthly fees

$0 to
start

Talk me through the process

Apply online

Applying online is easy, you can start with $0, and it only takes minutes.

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Verify your
identity

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

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Start earning
interest

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

Talk me through the process

Apply online

Applying online is easy, you can start with $0, and it only takes minutes.

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.

Got questions?

Check out our full fee schedule, rates and terms.
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.
Great question! Interest is calculated daily and either charged or paid to your account monthly. Our overdraft interest rate is floating, meaning it is subject to change from time to time. Our savings interest rate is subject to change from time to time, without notice. Our current interest rates will always be available on our website.

Check out our full fee schedule, rates and terms.
We process external transactions twice daily, at 11am and 7pm. This means that payments after 7pm will process the next morning around 11am.
To make it even easier for you, your card comes preloaded with a PIN. Although if you’d like to make this something a bit more personalised, just pop into any Heartland or Westpac branch with your ID.
Bad or good we want to hear it. At Heartland, we are proud to offer our customers a high level of customer service, and your satisfaction is very important to us. If you would like to make a complaint or offer a compliment, please contact us here.
Yes, we sure do. Find out more about making a compliment or complaint.

Has our interest sparked yours?

Has our interest sparked yours?

Get in touch

Drop us an email

[email protected]

Heartland's responsible lending criteria, fees, T&Cs apply.

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