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Heartland · Savings accounts
MySavings account
Heartland's MySavings account is a savings account. The figures are the ones Heartland publishes under the Consumer Data Right today. The advertised rate last moved on 14 March 2026, up from 4.25% to 4.55%.
Advertised rate
4.55%
headline tier
Tiers
3
current rate rows
Last moved
+0.30pp
14 March 2026
Advertised rate, last 30 days. Unchanged over the last 30 days.
Every current rate (3)
| Tier | Rate |
|---|---|
| Variable, $2,000,000 and overTier 3 | 1.50% |
| Variable, $300,000 to $2,000,000Tier2 | 4.55% |
| Variable, up to $300,000Tier1 | 4.55% |
Rate moves, last 30 days
Published fees
| Fee | Amount |
|---|---|
| Audit certificatewhen it happens: Fee charged for Audit Certificates. | $35 |
| Electronic transfer - Branch assistedper transaction: Fee charged when one-off Pay anyone, BPAY, or transfers are made on behalf of customers by us. | $10 |
| Periodical payment - Branch assistedper payment: Fee charged when periodical Pay anyone or BPAY payments are made on behalf of customers by us. | $5 |
| Overdrawn accountwhen it happens: Fee charged on overdrawn accounts (per occurrence). | $10 |
| Voucher retrievalwhen it happens: Fee charged for voucher/information retrieval by us. | see lender |
| Dishonour feewhen it happens: Dishonour fee charged on Pay anyone, or BPAY dishonours. | $10 |
| Statement reissuewhen it happens: Fee charged when statement is reissued on behalf of customers by us. | $5 |
Get an email the morning Heartland moves this rate.
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