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

Compare our rates


Information sourced from on 16/11/2007. 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

We are proud to have won Canstar's Bank of the Year - Saving Award. 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


Complete the easy online application anytime, anywhere.


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


Call us today on
0800 85 20 20

Start your application

Rates are subject to change without notice.

Our other savings accounts

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?


(Outlook Stable) Credit Rating from Fitch Ratings


for New Zealand


years' experience managing Kiwis' money

Questions? We have answers

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 Retail Investments team will contact you to finalise the details for your new account.
No, the New Zealand Government does not guarantee deposits made by customers with any of the banks in New Zealand.
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.
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.
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.

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.

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.