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.

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.

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.

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

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).

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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.

How is the interest calculated?

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.

Will my payments show up straight away?

Our transaction cut off time is 7pm. This means that payments after that will process over the next business night. Lights out at 7pm!

Is YouChoose an overdraft?

YouChoose is a savings account with an optional overdraft – so you can choose whether you’d like to add on an overdraft or keep it just for savings. The overdraft is based on two months of your average income. However, you can choose to have a lower amount to a minimum of $500. The maximum is $10,000.

What happens if I go over my overdraft limit?

We’ll be in contact to let you know. You may be subject to what is called excess interest. If applicable, you will be charged interest at an excess interest rate on what you owe, over and above your overdraft limit. For full details see our T&Cs.

What if I’m struggling to repay my overdraft?

If you are having financial difficulty get in touch – we may be able to help. If you are unable to keep up your payments because of illness, injury, loss of employment, the end of a relationship, or other reasonable cause, you may be able to ask us to vary the terms of this agreement (we call this a Hardship Variation). For more information see our unforeseen hardship procedure.

What about my card PIN?

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.

Can I send through feedback?

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.

Do you have a dispute resolution policy?

Yes, we sure do. Find out more about making a compliment or complaint.

Have more questions? Get in touch with us.