Watch your money do more than sit there.
Those who save get a 1.70% 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 10.00% p.a. overdraft rate for when you want it now or a 1.70% p.a. interest rate for savings. Unlimited transactions. No setup or monthly fees.

Treat yourself with YouChoose.
Benefit from a 1.70% p.a. interest when you’ve got money in the bank and a 10.00% p.a. overdraft rate to help you out when you’re in a jam. Unlimited transactions. No setup or monthly fees.

Apply now

Show me my overdraft limit

$
Calculate

Please complete both frequency and income

You can apply for an
overdraft limit up to:
 
$

The minimum amount you can apply for is $500 and the maximum is $10,000.

Apply Now

Subject to credit check, lending criteria, rates, fees & terms.

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Earn interest

Earn 1.70% p.a.
interest


Earn interest

Low 10.00% p.a.
overdraft rate

View our YouChoose Rates, Fees and Terms here.

Show me my overdraft limit

$
Calculate

Please complete both frequency and income

You can apply for an
overdraft limit up to:
 
$

The minimum amount you can apply for is $500 and the maximum is $10,000.

Apply Now

Subject to credit check, lending criteria, rates, fees & terms.

Secured with 256-bit SSL

Information station

Applying is easy as.

We know you’re not a fan of queues, and neither are we! We’ve made the online application process quick and painless. No queues here - online or otherwise.

No set up fees, yes please!

With YouChoose there’s no set up or annual fees so you’re free to spend or save on what you want.

Those are some fine interest rates.

YouChoose offers some of the best interest rates in town, if we do say so ourselves. A high 1.70% p.a. savings interest rate and a low 10.00% p.a. overdraft rate when you need it.

Show me the money.

YouChoose offers free and unlimited withdrawals and transactions for in-store purchases with your EFTPOS card, while our Heartland Mobile App offers unlimited transactions to any New Zealand account. With Online EFTPOS in the mix you can buy things online from selected retailers.

Work work work work.

Whether you’re a 9-5 trooper or a part time ranger, to qualify you must have a regular income. This could be a wage or a salary - we just need to know your earnings are consistent.

YoYo.

If your YouChoose account is in overdraft, we expect that the amount you’ll owe us will fluctuate and reduce to zero from time to time. On the other hand if you are a saver, you can’t have more than $100,000 sitting in your savings at any given time. Also, because life happens, we will regularly review your YouChoose account to ensure this is occurring.


Has our interest sparked yours?

Apply now

Gimme, gimme, gimme!

Apply online.

Finding out if you’re eligible is easy peasy. The online application only takes minutes.

Upload your
documents.

We’ll need your bank statements from the last three months to confirm your income and expenses. Don’t worry - we won’t judge how much you use Uber Eats.

Verify your
identity.

We need to double check your identity hasn’t been stolen by a random stranger. Facial recognition software will set you two apart.

We’ll give you
the nod.

Once we’ve done all our checks, including your credit history and finances, if approved, we’ll send you docs to sign online and details on what to do next.

Gimme, gimme, gimme!

Apply online.

Finding out if you’re eligible is easy peasy. The online application only takes minutes.


Upload your documents.

We’ll need your bank statements from the last three months to confirm your income and expenses. Don’t worry - we won’t judge how much you use Uber Eats.


Verify your identity.

We need to double check your identity hasn’t been stolen by a random stranger. Facial recognition software will set you two apart.


We’ll give you the nod.

Once we’ve done all our checks, including your credit history and finances, if approved, we’ll send you docs to sign online and details on what to do next.


How do you get to the good stuff?

Download the Heartland Mobile App to check your balance and transaction history, watch your savings grow and manage your repayments.

Let us know what you think of the app and watch The List to keep up with what we are working on next.


How do you get to the good stuff?

Download the Heartland Mobile App to check your balance and transaction history, watch your savings grow and manage your repayments.

Let us know what you think of the app and watch The List to keep up with what we are working on next.

Has our interest sparked yours?

Apply now
Check out our full fee schedule, rates and terms.
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 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.
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.
Our transaction cut off time is 7pm. This means that payments after that will process over the next business night. Lights out at 7pm!
Yes, YouChoose is a savings account with a tailored, arranged overdraft limit, based on 2 months of your average income. However, you can select a lower amount to a minimum of $500 - the maximum is $10,000. If you'd prefer to focus on your savings check out our Direct Call Account for another great interest rate!
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.
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.
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.

Keen to get in touch?

We’re here to chat Monday to Friday, 8am to 5.30pm.

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