Everything on this page is taken from Heartland Bank's own published pages. Nobody there has reviewed or supplied it, and we are not them.
We hold figures for 4 of their products, each with the date it was read. If one is out of date, the page it came from is linked beside it.
Products we track
Business accounts
1 productEveryday account, business and rural customers
$6 a month base fee, business/rural · No allowance for business/rural
Monthly fee$6 a month base fee, business/ruralTransaction fees$1 ATM, $0.35 otherIncludedNo allowance for business/ruralInterestNot publishedEligibilityBusiness and rural customers
Conditions
- ATM transactions cost $1 each, including balance enquiries; other transactions are $0.35 each.
- The free ATM and transaction allowances published on the same table apply only to the personal-customer columns.
- No turnover ceiling is published.
- Heartland prices business and rural customers on its Everyday account rather than publishing a separate business transaction account, so the row is the business column of that schedule and no personal-customer allowance is carried across to it.
Checked 18 September 2026
SourceSavings accounts
3 productsDigital Saver
2.40% p.a. on every dollar · Not published
Base rate2.40% p.a. on every dollarBonus rateNone.Bonus conditionsNone.TotalNot publishedNoticeOn call; one nominated accountFeesNo set-up or monthly fees
Conditions
- Heartland's Cash PIE call account pays the same 2.40% rate under a PIE structure; this row is the non-PIE Digital Saver.
- Interest is credited monthly.
- No minimum monthly deposit and no withdrawal condition.
- Withdrawals are unlimited, to one nominated account.
Direct Call
1.90% p.a. on every dollar · Not published
Base rate1.90% p.a. on every dollarBonus rateNone.Bonus conditionsNone.TotalNot publishedNoticeOn call; payments to any NZ bankFeesNo set-up or monthly fees
Conditions
- Heartland lists Direct Call under its call accounts on the same rates page as Digital Saver.
- Interest is credited monthly.
- No minimum balance and no withdrawal condition.
Notice Saver
3.05% 32 days; 3.25% 90 days · Not published
Base rate3.05% 32 days; 3.25% 90 daysBonus rateNone.Bonus conditionsNone.TotalNot publishedNotice32 or 90 days, chosen per withdrawalFeesNo set-up or maintenance fees
Conditions
- Notice Saver is not a PIE account; Heartland states the rate is variable.
- Both rates are credited monthly.
- The rate is set by the notice period, not a deposit or withdrawal condition.
- No transaction fees; an early withdrawal fee applies without notice.
SourceEvery figure on this page was read from Heartland Bank's own published pages. We are not Heartland Bank and this page is not theirs.