Horizon Bank · Transaction accounts

Horizon Direct

Horizon Direct is a transaction account. The figures are the ones Horizon Bank publishes under the Consumer Data Right today. The advertised rate last moved on 3 November 2026, down from 3.50% to 3.25%.

Advertised rate

3.25%

headline tier

Tiers

current rate rows

Last moved

-0.25pp

3 November 2026

Advertised rate, last 30 days. Between 3.25% and 3.50% over the last 30 days.

Every current rate (2)

Tier	Rate
Variable	3.25%
Variable	14.95%

Rate moves, last 30 days

The advertised rate moved on 3 November 2026, from 3.50% to 3.25%; no other tier moved in the last 30 days.

Published fees

Fee	Amount
Direct debit dishonourwhen it happens	$9
Foreign cheque depositper transaction	$11
Overdrawn savings accountwhen it happens: per occurence	$20
Statement copywhen it happens	$2.50

Other Horizon Bank transaction accounts

Teen Account 4.25%Cash Management 3.50%Advantage 55 2.75%Christmas Club 2.25%

Get an email the morning Horizon Bank moves this rate.

Every Horizon Bank rate · every transaction account rate compared · other lenders · this product in the explorer.