Heartland MySavings Account
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MySavings Account is a savings account from Heartland. At $50,000 it pays 4.55% p.a. with no bonus conditions.
Rate tiers
Every balance band in the bank's feed: base is the rate the bank pays.
| Balance | Base |
|---|---|
| $0 – $2,000,000 | 4.55% |
| $2,000,000.01+ | 1.50% |
Each rate is paid on the whole balance: the balance falls into one band and earns that band's rate.
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
- for individuals only; companies, trusts and SMSFs cannot open it
- you must be 14 or older
Features
- app
- yes
- BPAY
- yes
- transactions
- unlimited
Fees, limits and who can open it
- monthly fee
- no monthly fee stated
- other fees named
- Voucher retrieval (no amount in the feed)
- interest paid
- monthly
- interest calculated
- daily
- age
- ages 14 and over
- open to
- personal customers
Who can open it, in the bank's own words:
- residency: To open an account, you must be solely a tax resident of Australia.
- To open an account, you must be an existing customer with a valid email address and an Australian mobile number.
About this account
Our MySavings account offers you the freedom of no minimum balance, no account keeping or transaction fees and no minimum monthly deposit requirements.
Data
- Heartland's own page for this account.
- The bank's documents its product record links to: terms and conditions, fees.
- Our verbatim snapshot of the bank's product record (source), as fetched on 22 October 2026.
- We read the bank's own page and terms against this page on 1 November 2026: savings-account, interest-rates, generalterms, feescharges-schedule; conditions they state and its feed does not are listed above.
/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
- Access Accountstale transaction account, 0.00% 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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