{ "brand": "Heartland", "brand_label": "Heartland", "brand_slug": "heartland", "legal_entity_abn": "54087651750", "public_base_uri": "https://api.cdr.heartlandbank.com.au", "logo_uri": "https://www.heartlandbank.com.au/images/heartland-bank-logo-white-on-midnight-blue.jpg", "status": "ok", "stale": false, "bank_last_updated": "2026-03-13T03:53:48Z", "at_a_glance": { "note": "This bank's best savings rate per customer segment (personal, smsf, business) and rate kind (ongoing: the conditional rate, bonus conditions met; intro: in the introductory period; base: the base rate, no conditions met), one line each: the highest of the bank's own entries in the best/{segment}/{kind}/{balance}.json slices (age-limited, pensioner, occupation-limited, organisation-only and adviser-platform accounts left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. reference_balances are the slice balances where it is the bank's entry; the rate is at the first of them. conditions is a key into condition_sets. unranked counts the products no slice ranks, by reason. Every product and rate row follows in products and rows.", "rates": [ {"segment":"personal","kind":"ongoing","rate_pct":4.55,"base_rate_pct":4.55,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"MySavings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":true}, {"segment":"personal","kind":"intro","rate_pct":4.55,"base_rate_pct":4.55,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"MySavings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":true}, {"segment":"personal","kind":"base","rate_pct":4.55,"base_rate_pct":4.55,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"MySavings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":true} ], "condition_sets": { "k1": [ "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", "To open an account, you must be an existing customer with a valid email address and an Australian mobile number.", "for individuals only; companies, trusts and SMSFs cannot open it", "you must be 14 or older" ] }, "unranked": { "products": 1, "transaction_account": 1 } }, "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), transaction and savings accounts category", "licence_note": "Rates are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice; bonus interest is paid only in the months the account's conditions are met; check the bank's page before acting. This is not financial advice.", "products": [ { "product_id": "S02.1", "product_name": "MySavings account", "product_label": "MySavings Account", "product_slug": "mysavings-account", "page": "/au/finance/savings-accounts/accounts/heartland/mysavings-account/", "product_url": "https://www.heartlandbank.com.au/generalterms", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.heartlandbank.com.au/generalterms", "fees_url": "https://www.heartlandbank.com.au/feescharges-schedule", "eligibility_url": null, "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Our MySavings account offers you the freedom of no minimum balance, no account keeping or transaction fees and no minimum monthly deposit requirements.", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 4.55, "intro_pct": null, "base_pct": 4.55 }, "50000": { "ongoing_pct": 4.55, "intro_pct": null, "base_pct": 4.55 }, "250000": { "ongoing_pct": 4.55, "intro_pct": null, "base_pct": 4.55 } }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 10000, "rank": 50, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 50000, "rank": 51, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 250000, "rank": 51, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 10000, "rank": 54, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 55, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 250000, "rank": 54, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 10000, "rank": 15, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 50000, "rank": 15, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 250000, "rank": 16, "of": 79 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": false, "payid": false, "payto": false, "bpay": true, "app": true, "notifications": false, "unlimited_transactions": true, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [ "app", "BPAY", "unlimited transactions" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "Voucher retrieval" ], "age_min": 14, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "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", "To open an account, you must be an existing customer with a valid email address and an Australian mobile number.", "for individuals only; companies, trusts and SMSFs cannot open it", "you must be 14 or older" ], "eligibility": [ "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." ], "record_stale": true, "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/S02.1", "source_snapshot": "/au/finance/savings-accounts/v1/source/heartland/S02.1.json", "snapshot_at": "2026-10-22T13:25:08Z", "bank_last_updated": "2026-03-13T03:52:24Z", "ranked": true, "unranked_reason": null, "row_count": 2, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.heartlandbank.com.au/savings-account", "https://www.heartlandbank.com.au/interest-rates", "https://www.heartlandbank.com.au/generalterms", "https://www.heartlandbank.com.au/feescharges-schedule" ] } }, { "product_id": "S01.1", "product_name": "Access Account", "product_label": "Access Account", "product_slug": "access-account", "page": "/au/finance/savings-accounts/accounts/heartland/access-account/", "product_url": "https://www.heartlandbank.com.au/generalterms", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.heartlandbank.com.au/generalterms", "fees_url": "https://www.heartlandbank.com.au/feescharges-schedule", "eligibility_url": "https://www.heartlandbank.com.au/generalterms", "account_type": "transaction", "segments": [ "personal", "smsf" ], "segment": "personal", "description": "Our Access account is your complete everyday transaction account.", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 }, "50000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 }, "250000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 } }, "rankings": [], "features": { "card_access": true, "card": "Visa Debit card", "digital_wallets": [ "The Visa Debit card can be added to Apple Pay." ], "osko": false, "payid": false, "payto": false, "bpay": true, "app": true, "notifications": false, "unlimited_transactions": true, "free_transactions": null, "linked_account_required": true, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [ "card", "app", "BPAY", "unlimited transactions", "linked account required", "wallets: The Visa Debit card can be added to Apple Pay." ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "Voucher retrieval", "Emergency card replacement", "International transaction fees" ], "age_min": 14, "age_max": null, "restrictions": [ "linked_account" ], "who_can_open": { "restricted": false, "groups": [], "open_note": null, "open_to": [ { "segment": "smsf", "who": "self-managed super funds (SMSFs)", "quote": "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.", "url": "https://www.heartlandbank.com.au/generalterms", "checked": "2026-11-06", "citation": { "quote": "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.", "url": "https://www.heartlandbank.com.au/generalterms#page=2", "page": 2, "document_sha256": "fead0e04533d0f4fffe8be0b2780581572b5f494820b81ca578f7d1ec53d6dcd", "confirmed": "2026-11-13" } } ] }, "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", "To open an account, you must be an existing customer with a valid email address and an Australian mobile number.", "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.\"" ], "eligibility": [ "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." ], "record_stale": true, "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/S01.1", "source_snapshot": "/au/finance/savings-accounts/v1/source/heartland/S01.1.json", "snapshot_at": "2026-10-22T13:25:08Z", "bank_last_updated": "2026-03-13T03:53:48Z", "ranked": false, "unranked_reason": "transaction_account", "row_count": 1 } ], "rows": [ { "brand": "Heartland", "brand_label": "Heartland", "brand_slug": "heartland", "legal_entity_abn": "54087651750", "product_id": "S02.1", "product_name": "MySavings account", "product_label": "MySavings Account", "product_slug": "mysavings-account", "page": "/au/finance/savings-accounts/accounts/heartland/mysavings-account/", "product_url": "https://www.heartlandbank.com.au/generalterms", "terms_url": "https://www.heartlandbank.com.au/generalterms", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": 14, "age_max": null, "restrictions": [], "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", "To open an account, you must be an existing customer with a valid email address and an Australian mobile number.", "for individuals only; companies, trusts and SMSFs cannot open it", "you must be 14 or older" ], "record_stale": true, "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/S02.1", "source_snapshot": "/au/finance/savings-accounts/v1/source/heartland/S02.1.json", "bank_last_updated": "2026-03-13T03:52:24Z", "balance_from": 0, "balance_to": 2000000, "base_rate_pct": 4.55, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 4.55, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": true, "unranked_reason": null }, { "brand": "Heartland", "brand_label": "Heartland", "brand_slug": "heartland", "legal_entity_abn": "54087651750", "product_id": "S02.1", "product_name": "MySavings account", "product_label": "MySavings Account", "product_slug": "mysavings-account", "page": "/au/finance/savings-accounts/accounts/heartland/mysavings-account/", "product_url": "https://www.heartlandbank.com.au/generalterms", "terms_url": "https://www.heartlandbank.com.au/generalterms", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": 14, "age_max": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-03-13, before the Reserve Bank's cash rate rise of 4 November 2026; 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check its page, as the rate may have changed", "To open an account, you must be an existing customer with a valid email address and an Australian mobile number.", "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.\"" ], "record_stale": true, "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/S01.1", "source_snapshot": "/au/finance/savings-accounts/v1/source/heartland/S01.1.json", "bank_last_updated": "2026-03-13T03:53:48Z", "balance_from": 0, "balance_to": null, "base_rate_pct": 0.0, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.0, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": false, "unranked_reason": "transaction_account" } ], "licence_shared_with": [], "guarantee": { "adi": "Heartland Bank Australia Limited", "abn": null, "shares_limit_with": [], "may_share_limit_with": [], "source": "https://www.apra.gov.au/financial-claims-scheme/banks-building-societies-and-credit-unions/list-authorised-deposit-taking", "foreign_owned_incorporated_in_australia": true } }