Our MySavings account offers you the freedom of no minimum balance, no account keeping or transaction fees and no minimum monthly deposit requirements.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Applies to | Conditions | Source | Since |
|---|---|---|---|---|
| 4.55% | Variable · $0–$300,000 | CDR | 1 Nov 2026 | |
| 4.55% | Variable · $300,000–$2,000,000 | CDR | 1 Nov 2026 | |
| 1.50% | Variable · $2,000,000 or more | CDR | 1 Nov 2026 |
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Anyone can report a value that looks wrong. The row is marked as disputed and keeps its value; when the lender's Consumer Data Right data next changes we check it and remove the mark.
Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/S02.1- Content hash
sha256 ab887b7122f577ac456633dacfd84825982c6bd4f4fb645a240282acad9439c2- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_ab887b7122f577ac_a416383cShow details
- Checked
- 1 Nov 2026
- URL
https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/S02.1- Content hash
sha256 ab887b7122f577ac456633dacfd84825982c6bd4f4fb645a240282acad9439c2- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Audit certificate | Event | $35.00 |
| Electronic transfer - Branch assisted | Transaction | $10.00 |
| Periodical payment - Branch assisted | Payment | $5.00 |
| Overdrawn account | Event | $10.00 |
| Voucher retrieval | Event | Set in your letter of offer |
| Dishonour fee | Event | $10.00 |
| Statement reissue | Event | $5.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Bill payment | BPAY | Make fee-free bill payments using BPAY via Internet Banking or from our app. |
| Unlimited txns | Make unlimited fee-free transactions via Internet Banking or Mobile Banking. | |
| Digital banking | Make fee-free Pay anyone or BPAY transactions via Internet Banking or from our app. | |
| Eligibility: residency status | To open an account, you must be solely a tax resident of Australia. | |
| Eligibility: min age | 14 | To open an account, you must be 14 years or older. |
| Eligibility: other | To open an account, you must be an existing customer with a valid email address and an Australian mobile number. |
Rate history
| Rate | From | To | Rate p.a. |
|---|---|---|---|
| Variable · $2,000,000 or more | 1 Nov 2026 | Current | 1.50% |
| Variable · $300,000–$2,000,000 | 1 Nov 2026 | Current | 4.55% |
| Variable · $0–$300,000 | 1 Nov 2026 | Current | 4.55% |
Registered channels
Lender staff and brokers registered with Homepedia, and the prices available through them. Separate from the product data above: it never changes the lender's rates or the order of any rate table.People registered for this product
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