Heartland Access Account
transaction accountlinked accountstale
Access Account is a transaction account from Heartland. It pays 0.00% p.a. with no bonus conditions.
Not ranked: a transaction (everyday) account, not a savings account.
Rate tiers
Every balance band in the bank's feed: base is the rate the bank pays.
| Balance | Base |
|---|---|
| $0+ | 0.00% |
One rate on every balance, with no upper limit.
Conditions
- not updated by the bank since 2026-03-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed
- also open to self-managed super funds (SMSFs): its General Terms, which govern this account, say "You can also apply for an account with us if you’re a nonindividual entity, such as an Australian business, trust or superannuation fund, provided you’re registered in Australia and are solely a tax resident of Australia."
Features
- card
- Visa Debit card
- app
- yes
- BPAY
- yes
- transactions
- unlimited
- wallets
- The Visa Debit card can be added to Apple Pay.
Fees, limits and who can open it
- monthly fee
- no monthly fee stated
- other fees named
- Voucher retrieval, Emergency card replacement, International transaction fees (no amount in the feed)
- interest paid
- monthly
- interest calculated
- daily
- age
- ages 14 and over
- open to
- personal and SMSF customers
- linked account
- a linked or nominated transaction account is required
Who can open it, in the bank's own words:
- To open an account, you must be an existing customer with a valid email address and an Australian mobile number.
- residency: To open an account, you must be solely a tax resident of Australia.
About this account
Our Access account is your complete everyday transaction account.
Data
- Heartland's own page for this account.
- The bank's documents its product record links to: terms and conditions, fees, eligibility.
- Our verbatim snapshot of the bank's product record (source), as fetched on 22 October 2026.
/au/finance/savings-accounts/v1/brands/heartland.json: this bank's accounts and every balance band as JSON; Heartland's page lists them.- The bank last updated this record on 13 March 2026. Rates are per annum as the bank states them; "stale" means the bank has not updated the record for over 60 days or since the latest cash rate change.
Other accounts at Heartland
- MySavings Accountstale savings account, 4.55% base at $50,000
All of Heartland's accounts on its page, with its best rates per segment and rate kind, and every account at every bank.
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