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Heartland Bank · Savings account
LiveMySavings account
Pays 4.55% p.a. total (1.50% base plus 3.05% bonus) as of 18 September 2026. Ranks 71st of 93 savings accounts tracked by BankMate, 0.31 points below the average of 4.86%. The rate last rose on 14 March 2026, 38 days after the RBA raised the cash rate to 3.85%.
4.55%p.a.
1.50% base + 3.05% bonus · bonus up to $300,000 · unlimited withdrawals · variable
Rate over time
Total rate, conditions met- MySavings account
- RBA cash rate
- Market average
Position among 93 accounts
By month, end of month- Feb 2026: ranked 35 of 46
- Mar 2026: ranked 47 of 74
- Apr 2026: ranked 57 of 88
- May 2026: ranked 64 of 91
- June 2026: ranked 69 of 91
- July 2026: ranked 71 of 92
- Aug 2026: ranked 71 of 92
- Sept 2026: ranked 71 of 93
Feb 2026
- Top 5%
- Top 10%
- Top 25%
- Lower
Mostly outside the top half of accounts over the last 8 months: from #47 of 74 in Mar 2026 to #71 of 92 in July 2026.
Changes
1 on record since 1 Mar 2026- 4.25 → 4.55Bonus rate · 38 days after the RBA rise to 3.85%+0.30
Conditions for the bonus rate
Checked each month- Balance range
- $0 - $300,000
- Age
- 14+ years
On your balance
Saved with your preferences- Interest this year
- —
- Each month
- —
- Against the average account (4.86%)
- —
Rate by balance
Up to $2M
4.55%$2M+
1.50%Notes from savers
to leave a note.