Why choose Notice Saver?

Earn more with great interest rates which only require a 32 or 90 day withdrawal notice period. So your money works harder while giving you the flexibility to access funds in the short term.

Interest earned on every dollar, add funds anytime
Choose between two different notice periods
No set-up costs or monthly fees
Manage your account through the Heartland Mobile App

Canstar's Savings Account Awards

Our Notice Saver accounts have received Canstar’s Outstanding Value – Savings Account, 2023–2025, recognising three consecutive years of exceptional value.

We’re also proud to be awarded Canstar's Bank of the Year Savings for eight consecutive years, recognising the bank with the strongest combination of savings products across price, features, tools, and flexibility.

How to open a Notice Saver account

Follow the instructions below to get started. Alternatively, if you already have other savings accounts with Heartland and are managing these in the Heartland Mobile App, log in to open your new Notice Saver.

1
Choose your term. Click on ‘Open a Notice Saver’ and complete our online application.
2
Verify your identity through biometrics.
3
Your account will be opened and ready for you to start saving.

Looking for something else?

Heartland Bank Savings and Deposits accounts are a great way to put aside money and save for your goals.
Here are a few options:

Digital Saver
2.05 % p.a.
  • Our highest on-call rate
  • Add and withdraw funds anytime
  • Unlimited withdrawals to one nominated account
Find out more
Term Deposit (12 months)
3.90 % p.a.
  • Competitive fixed term rates
  • Interest paid out or compounded quarterly
  • No set-up costs or monthly fees
Find out more
Direct Call
1.65 % p.a.
  • No set-up costs or monthly fees
  • Our most flexible call account
  • Make payments to any NZ bank account
Find out more
Interest rates are subject to change without notice.

05 Jun 2026 05 Jun 2026

Take control of your banking online

Open accounts, view transactions, generate statements and more.

Our Notice Saver accounts are DCS-protected.

The Depositor Compensation Scheme (DCS) covers eligible depositors up to $100,000 held in DCS-protected accounts. Find out more.

Ready to get started?

Click open an account and answer some simple questions to get your new account set-up underway.

View common questions