Savings account · 14+ years
Heartland Bank MySavings account
4.55%p.a. total
No bonus conditions: the rate is paid every month
94th of 151 savings accounts · market average 4.37%
The RBA raised the cash rate to 4.60% on 30 September. MySavings account hasn't moved yet. After the February rise it moved 38 days later.
What it asks
Nothing each month- Each month
Nothing. The rate is paid every month.
- Who can open it
Anyone 14 or over
- Balance
The top rate is paid on balances up to $2,000,000.
Rate history
Last change 14 Mar- MySavings account
- RBA cash rate
- Market average
March 20261 change
- 14Sat
- 4.25 → 4.55Total rate 4.25% → 4.55% · 38 days after the RBA rise to 3.85%+0.30
- #32FebFeb 2026: ranked 32 of 42
- #41MarMar 2026: ranked 41 of 64
- #49AprApr 2026: ranked 49 of 76
- #57MayMay 2026: ranked 57 of 79
- #61JunJune 2026: ranked 61 of 79
- #62JulJuly 2026: ranked 62 of 80
- #62AugAug 2026: ranked 62 of 80
- #75SepSep 2026: ranked 75 of 120
- #93OctOct 2026: ranked 93 of 150
- #94NowNov 2026: ranked 94 of 151
- Top 5%
- Top 10%
- Top 25%
- Top half
- Lower half
Mostly outside the top half of accounts over the last 10 months: from #93 of 150 in Oct 2026 to #62 of 80 in July 2026.
- Interest a year
- $2,275
- Each month
- $190
- Against the average (4.37%)
- +$91
On a $50,000 balance. Type yours above; it's kept with your savings preferences.
No monthly conditions and no minimum balance. One rate applies to the whole balance, set by the band it falls in.
Notes from savers
to leave a note.
Pays 4.55% p.a. with no bonus conditions as of 1 November 2026. Ranks 94th of 151 savings accounts tracked by BankMate, 0.18 points above the average of 4.37%. The rate last rose on 14 March 2026, 38 days after the RBA raised the cash rate to 3.85%. From Heartland Bank's Consumer Data Right feed, refreshed nightly. Compare savings accounts ·